WO2021174968A1 - 支付方法、装置及设备 - Google Patents

支付方法、装置及设备 Download PDF

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Publication number
WO2021174968A1
WO2021174968A1 PCT/CN2020/139739 CN2020139739W WO2021174968A1 WO 2021174968 A1 WO2021174968 A1 WO 2021174968A1 CN 2020139739 W CN2020139739 W CN 2020139739W WO 2021174968 A1 WO2021174968 A1 WO 2021174968A1
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information
internet
payment
things device
user
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PCT/CN2020/139739
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English (en)
French (fr)
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蒋龙
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支付宝(杭州)信息技术有限公司
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Publication of WO2021174968A1 publication Critical patent/WO2021174968A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/123—Shopping for digital content
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • 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
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/405—Establishing or using transaction specific rules

Definitions

  • This document relates to the field of data processing technology, in particular to a cross-border payment method, device and equipment.
  • Internet of Things devices are widely used in people's lives, such as smart speakers and smart TVs with Internet of Things functions. While these IoT devices provide users with services such as video, entertainment, and convenience in life, the pen will inevitably have payment scenarios. For example, when a user wants to play a paid song through a smart speaker, the user needs to pay for the song after completing the payment. Play. However, in the payment scenario, the user is required to operate his terminal device to complete the payment; this not only increases the user's operation, but also easily interrupts the user's use of the Internet of Things device and reduces the user experience.
  • the purpose of one or more embodiments of this specification is to provide a payment method, device and device, so that when the Internet of Things device is granted payment authority, the payment can be completed independently without interrupting the user's use of the Internet of Things device
  • the process can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better meet user needs.
  • One or more embodiments of this specification provide a payment method applied to an Internet of Things device, including: in response to a purchase operation of a target product on the Internet of Things device, sending a purchase request to the background server of the target product Receiving the order information of the target product returned by the back-end server; sending the first payment request of the order to the payment server according to the information of the order, the first payment request including the Internet of Things device ⁇ identification information; so that when the payment server determines according to the identification information that the Internet of Things device has a binding relationship with the account of the first user, the payment processing is performed according to the information of the order and the account; wherein The binding relationship represents that the Internet of Things device is authorized by the first user to use the account for payment.
  • One or more embodiments of this specification provide a payment method, applied to a payment server, including: receiving a first payment request sent by an Internet of Things device; wherein, the first payment request is based on the first user's
  • the networked device sends the purchase operation of the target product, and the first payment request includes the information of the order of the target product and the identification information of the Internet of Things device; according to the identification information, it is determined whether the Internet of Things device is connected to the first payment request.
  • the account of a user has a binding relationship; if so, the payment processing is performed according to the information of the order and the account.
  • a payment device which is applied to an Internet of Things device, and includes: a sending module, which, in response to a purchase operation of a target product on the Internet of Things device, provides a back-end service to the target product Send a purchase request; a receiving module, which receives the order information of the target product returned by the back-end server; a payment module, which sends the first payment request of the order to the payment server according to the information of the order,
  • the first payment request includes identification information of the Internet of Things device; so that when the payment server determines according to the identification information that the Internet of Things device has a binding relationship with the account of the first user, according to the The order information and the account are used for payment processing; wherein, the binding relationship represents that the Internet of Things device is granted by the first user the right to use the account for payment.
  • a payment device which is applied to a payment server, and includes: a receiving module that receives a first payment request sent by an Internet of Things device; wherein, the first payment request is based on a first user
  • the first payment request includes the information of the order of the target product and the identification information of the Internet of Things device
  • the determination module determines according to the identification information Whether the Internet of Things device has a binding relationship with the account of the first user
  • the first processing module if the determination result of the determining module is yes, performs payment processing according to the information of the order and the account.
  • One or more embodiments of the present specification provide a payment device, including: a processor; and, a memory arranged to store computer-executable instructions, which when executed, cause the processor to: respond For the purchase operation of the target product on the Internet of Things device, send a purchase request to the back-end server of the target product; receive the order information of the target product returned by the back-end server; according to the information of the order Send the first payment request of the order to the payment server, where the first payment request includes the identification information of the Internet of Things device; so that the payment server can determine whether the Internet of Things device is connected to the Internet of Things device according to the identification information.
  • the account of the first user has a binding relationship
  • payment processing is performed according to the information of the order and the account; wherein the binding relationship indicates that the Internet of Things device is authorized by the first user to use the account The right to make payments.
  • One or more embodiments of this specification provide a payment device, including: a processor; and, a memory arranged to store computer-executable instructions, which when executed, cause the processor to: A first payment request sent by an Internet of Things device; wherein, the first payment request is sent based on a first user's purchase operation of a target product on the Internet of Things device, and the first payment request includes an order for the target product And the identification information of the Internet of Things device; according to the identification information, it is determined whether the Internet of Things device has a binding relationship with the account of the first user; if so, the payment is made according to the information of the order and the account deal with.
  • One or more embodiments of this specification provide a storage medium for storing computer-executable instructions that, when executed, implement the following process: in response to the purchase of a target product on the Internet of Things device Operation, send a purchase request to the back-end server of the target product; receive the information of the order of the target product returned by the back-end server; send the first payment of the order to the payment server according to the information of the order Request, the first payment request includes the identification information of the Internet of Things device; so that when the payment server determines according to the identification information that the Internet of Things device has a binding relationship with the account of the first user, according to The order information and the account are used for payment processing; wherein the binding relationship represents that the Internet of Things device is granted by the first user the right to use the account for payment.
  • One or more embodiments of this specification provide a storage medium for storing computer-executable instructions that, when executed, realize the following process: receiving a first payment request sent by an Internet of Things device; wherein, The first payment request is sent based on a first user's purchase operation of the target product on the Internet of Things device, and the first payment request includes information about the order of the target product and identification information of the Internet of Things device; Determine whether the Internet of Things device has a binding relationship with the account of the first user according to the identification information; if so, perform payment processing according to the information of the order and the account.
  • the IoT device is bound to the user's account, thereby granting the IoT device the right to use the account to make payments, so that the IoT device can independently complete the payment based on the user's purchase of the target product. It will interrupt the user's use of the Internet of Things device, not only can improve the user experience, but also enrich the application scenarios of the Internet of Things device, so that the Internet of Things device can better serve users and meet user needs.
  • FIG. 1 is a schematic diagram of a scenario of a payment method provided by one or more embodiments of this specification
  • FIG. 2 is a schematic diagram of the first flow of a payment method provided by one or more embodiments of this specification;
  • FIG. 3 is a schematic diagram of the second flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 4 is a schematic diagram of a third scenario of a payment method provided by one or more embodiments of this specification.
  • FIG. 5 is a schematic diagram of the fourth flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 6 is a schematic diagram of the fifth flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 7 is a schematic diagram of the sixth flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 8 is a schematic diagram of the seventh flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 9 is a schematic diagram of the eighth flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 10 is a schematic diagram of a ninth flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 11 is a schematic diagram of the tenth flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 12 is a schematic diagram of the eleventh flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 13 is a schematic diagram of a twelfth flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 14 is a schematic diagram of the thirteenth process of a payment method provided by one or more embodiments of this specification.
  • 15 is a schematic diagram of the fourteenth flow of a payment method provided by one or more embodiments of this specification.
  • 16 is a schematic diagram of the fifteenth flow of a payment method provided by one or more embodiments of this specification.
  • 18 is a schematic diagram of the seventeenth flow of a payment method provided by one or more embodiments of this specification.
  • 19 is a schematic diagram of the eighteenth flow of a payment method provided by one or more embodiments of this specification.
  • 20 is a schematic diagram of the nineteenth flow of a payment method provided by one or more embodiments of this specification.
  • FIG. 21 is a schematic diagram of the first module composition of a payment device provided in one or more embodiments of this specification.
  • FIG. 22 is a schematic diagram showing the composition of a second type of module of a payment device provided by one or more embodiments of this specification.
  • FIG. 23 is a schematic diagram of the composition of a payment system provided by one or more embodiments of this specification.
  • FIG. 24 is a schematic structural diagram of a payment device provided by one or more embodiments of this specification.
  • Fig. 1 is a schematic diagram of an application scenario of a payment method provided by one or more embodiments of this specification.
  • the scenario includes: an Internet of Things device, a backend server of a target product to be purchased, and a payment server;
  • the Internet of Things device is any device with Internet of Things functions, such as speakers, TVs, refrigerators, cars with Internet of Things functions (only the TV is shown in Figure 1); the back-end server and the payment server can be independent
  • the server can also be a server cluster composed of multiple servers.
  • the first user first binds the Internet of Things device with the account of the first user. After the binding is successful, the first user can operate the Internet of Things device to purchase the target product on the Internet of Things device; the Internet of Things device responds For the first user's purchase operation of the target product, the purchase request is sent to the back-end server of the target product; the back-end server receives the purchase request sent by the IoT device, and generates an order for the target product according to the information of the target product, the amount to be paid, etc.
  • the Internet of Things device receives the order information of the target product returned by the back-end server, and sends the first payment request of the order to the payment server according to the information of the order, where the first payment request Including the identification information of the Internet of Things device; so that when the payment server determines that the Internet of Things device has a binding relationship with the account of the first user based on the identification information, it performs payment processing based on the information of the order and the bound account, and sends the payment to the Internet of Things device.
  • the networked device sends payment processing result information; where the binding relationship represents that the IoT device is granted the right to use the account for payment by the first user.
  • the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment.
  • Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • Figure 2 is a schematic flow diagram of a payment method provided by one or more embodiments of this specification.
  • the method in Figure 2 can be executed by the Internet of Things device in Figure 1. As shown in Figure 2, the method includes the following steps S102 to Step S106.
  • Step S102 in response to the purchase operation of the target product on the Internet of Things device, send a purchase request to the backend server of the target product; specifically, a client related to the purchase of the target product can be installed in the Internet of Things device, when the first user needs
  • the Internet of Things device is operated to purchase the target product; the Internet of Things device responds to the first user's purchase operation of the target product, and sends a purchase request to the backend server of the target product , So that the back-end server generates an order for the target product and returns the order information.
  • the Internet of Things device is a speaker with Internet of Things function, in which a client of a certain music player can be installed, and the client contains multiple songs.
  • the speaker can be operated Purchase the right to play the paid song; the speaker responds to the purchase operation of the song by the first user and sends a purchase request to the corresponding back-end server, so that the back-end server generates an order and returns the information of the order.
  • Step S104 receiving the order information of the target product returned by the back-end server; specifically, when the back-end server receives the purchase request sent by the IoT device, it generates the order according to the product information of the target product, the amount to be paid, etc., and Return the order information to the Internet of Things device; the Internet of Things device receives the information about the order of the target product returned by the back-end server; among them, the information of the order includes but is not limited to the order identifier, the generation time of the order, the information of the target product, and the waiting information. The amount paid, etc.
  • Step S106 Send a first payment request of the order to the payment server according to the information of the order.
  • the first payment request includes the identification information of the Internet of Things device;
  • the binding relationship represents that the Internet of Things device is granted the right to use the account for payment by the first user.
  • the Internet of Things device is bound to the user’s account to grant the Internet of Things device the right to use the account to make payments, so that the Internet of Things device can be independent based on the user’s purchase of the target product. Completing the payment without interrupting the user's use of the IoT device can not only improve the user experience, but also enrich the application scenarios of the IoT device, so that the IoT device can better serve users and meet user needs.
  • the IoT device In order to enable the Internet of Things device to complete payment independently, when the first user purchases the target product through the Internet of Things device, he first needs to bind the Internet of Things device with the first user's account with a payment function. As an example, in response to the binding operation of the first user, the IoT device generates a binding code according to the identification information of the IoT device, and displays the binding page including the binding code; the terminal device of the first user is installed with a binding code to be bound.
  • the first user operates its terminal device to scan the binding code of the IoT device through the client corresponding to the account to be bound, and display the identification information of the IoT device obtained by analyzing the binding code , And when the first user's confirmation binding operation is detected, bind the account to be bound with the IoT device to grant the IoT device the right to use the account for payment; and, the account information of the account
  • the identification information of the Internet of Things device and the Internet of Things device are sent to the payment server, so that the payment server associates and saves the account information with the identification information, and determines the saved information as the binding record information of the Internet of Things device and the account.
  • the Internet of Things device can establish a Bluetooth connection with the terminal device of the first user, and the Internet of Things device sends the device information of the Internet of Things device to the terminal device of the first user through the Bluetooth connection, corresponding to the account to be bound.
  • the client obtains the device information of the IoT device, it displays the device information, and when the first user's confirmation binding operation is detected, it binds the account to be bound with the IoT device to grant the IoT device
  • the authority to use the account for payment; and, send the account information of the account and the identification information of the Internet of Things device to the payment server, so that the server associates the account information with the identification information, and determines the saved information as The binding record information of the IoT device and the account.
  • the binding process of the Internet of Things device and the account of the first user is not limited to the above examples, and it can be set by itself according to needs in actual applications. Further, when the first user binds the Internet of Things device to the account of the first user, the first user needs to verify the identity of the first user, and bind after passing the verification; and, the first user is operating his terminal device In the process of binding the Internet of Things device to the account of the first user, you can only grant the payment function of the Internet of Things device, and you can also set the payment function to require the user to log in to the account during payment to further ensure Payment is safe.
  • the user may perform a purchase operation when the IoT device is not bound to the account; in order to avoid subsequent unnecessary operations caused by this situation, in one or more embodiments of this specification,
  • the binding relationship between the Internet of Things device and the first user’s account is stored in the Internet of Things device, so that when the Internet of Things device detects the first user’s purchase of the target product, it first determines whether the Internet of Things device has a connection with the first user’s account. Binding relationship. Specifically, as shown in FIG. 3, before step S102, step S100-2 to step S100-4 are further included.
  • the Internet of Things device receives the account information of the account to be bound sent by the terminal device of the first user through the Bluetooth connection established with the terminal device of the first user, displays the received account information, and detects the user's confirmation During the binding operation, it is determined that the binding confirmation information that the Internet of Things device is bound to the account of the first user is received, and step S100-4 is executed.
  • the way in which the IoT device receives the binding confirmation information is not limited to the above methods, and can be set according to needs in actual applications; and the aforementioned first user's operation on the IoT device can be touch operation. It can also be a control operation based on voice commands.
  • the first user controls the IoT device to display the binding interface including the binding code through the voice command "Show binding code"; the IoT device is collecting the first user's voice command Analyze the voice command and display the binding interface.
  • Step S100-4 based on the binding confirmation information, save the binding relationship between the account of the first user and the Internet of Things device in the Internet of Things device.
  • the account information of the first user’s account is saved in a designated storage area, or the account information, binding time and other information of the first user’s account are associated and saved in the designated storage area to represent the object.
  • the networked device has a binding relationship with the account.
  • the user wants to cancel the payment authorization for the Internet of Things device, he can also operate his terminal device to cancel the binding relationship between the account and the Internet of Things device, and can operate the Internet of Things device to make the Internet of Things device bind the saved Define the relationship to delete.
  • step S102 may include step S102-2 to step S102-6.
  • Step S102-2 in response to the purchase operation of the target product on the Internet of Things device, it is determined whether the Internet of Things device has a binding relationship with the account of the first user; if not, step S102-4 is performed; if so, step S102 is performed -6; Specifically, in response to the purchase operation of the target product on the Internet of Things device, query whether the account information of the first user is stored in the designated storage area, and if so, it is determined that the Internet of Things device is bound to the account of the first user. If not, it is determined that the Internet of Things device does not have a binding relationship with the account of the first user.
  • a prompt message is issued so that the first user binds the Internet of Things device with the account of the first user; where the prompt message can be display prompt information or voice broadcast prompt information.
  • the IoT device When the IoT device detects the first user's purchase operation of the target product, by determining whether the IoT device has a binding relationship with the first user's account, it can effectively avoid being not bound to the first user's account , Subsequent unnecessary operations caused by.
  • Step S102-6 Send a purchase request to the back-end server of the target product.
  • the method further includes: step S105, collecting the first user's The identity verification information to be verified is sent to the payment server; correspondingly, as shown in FIG. 4, step S106 includes the following step S106-2.
  • Step S106-2 Send a first payment request of the order to the payment server according to the information of the order.
  • the first payment request includes the identification information of the Internet of Things device; so that the payment server can verify the identity verification information and determine the Internet of Things device.
  • payment processing is performed according to the information of the order and the account; wherein the binding relationship represents that the Internet of Things device is authorized by the first user to use the account for payment.
  • step S105 can be executed before sending the first payment request to the payment server, or after sending the first payment request to the payment server, which can be performed according to actual needs and different identity verification methods, etc. Set by yourself in actual application.
  • the identity verification method may be voiceprint verification. That is, the Internet of Things device has voiceprint collection and voiceprint recognition functions.
  • the first user can control the Internet of Things device to purchase the target product through the voice purchase instruction; when the Internet of Things device collects the voiceprint data corresponding to the voice purchase instruction ,
  • the voiceprint data can be directly determined as the identity verification information of the first user to be verified. Specifically, as shown in FIG.
  • step S102 may include step S102', in response to the voice purchase instruction of the target product in the Internet of Things device, sending a purchase request to the background server of the target product; wherein, the voice purchase instruction includes the first The user's selection instruction and payment instruction for the target product; for example, the first user sends a selection instruction "play X song" to a speaker with the Internet of Things function, and the Internet of Things device determines that X song is a paid song, it can prompt the first user, When receiving the prompt message, the first user sends a payment instruction to the speaker to "pay for X song.”
  • the Internet of Things device may receive the first identity verification request sent by the payment server after sending the first payment request to the payment server, and when receiving the first identity verification request, send the identity verification information Send to the payment server.
  • step S105 and step S106 may include the following steps S108-2 to S108-6.
  • Step S108-2 collect voiceprint data corresponding to the voice purchase instruction, and determine the voiceprint data as the identity verification information of the first user;
  • Step S108-4 send the first payment request of the order to the payment server according to the information of the order,
  • the first payment request includes the identification information of the Internet of Things device;
  • step S108-6 the second identity verification request sent by the payment server is received, and the collected identity verification information is sent to the payment server so that the payment server can verify the identity information
  • the verification is passed and it is determined that the Internet of Things device has a binding relationship with the account of the first user, payment processing is performed according to the information of the order and the account; wherein the binding relationship represents that the Internet of Things device is granted by the first user to use the account for payment Permissions.
  • step S108-2 and step S102' can be executed at the same time.
  • the identity verification information can be collected at the same time without separate collection, which improves the efficiency of identity verification and thus the payment efficiency.
  • the Internet of Things device may also determine the voiceprint data corresponding to the collected voice purchase instruction as the identity verification information of the first user, and add the identity verification information to the first payment request, The identity verification information is sent to the payment server through the first payment request.
  • step S105 and step S106 include the following step S108-8 and step S108-10.
  • Step S108-8 Collect voiceprint data corresponding to the voice purchase instruction, and determine the voiceprint data as the identity verification information of the first user; generate a first payment request based on the identity verification information, the order information, and the identification information of the IoT device Step S108-10, send the generated first payment request to the payment server so that the payment server can verify the identity verification information and determine that the Internet of Things device has a binding relationship with the first user’s account, according to the order Information and account are used for payment processing; among them, the binding relationship represents that the Internet of Things device is authorized by the first user to use the account for payment.
  • the first payment request is generated according to the collected identity verification information, order information, etc., and the identity verification information is sent to the payment server through the first payment request, which avoids multiple data interactions between the IoT device and the payment server, and improves Improve payment efficiency.
  • step S106 includes the following steps S106-4 and S106-6.
  • Step S106-4 Send a first payment request of the order to the payment server according to the information of the order.
  • the first payment request includes the identification information of the Internet of Things device and the verification identification of multiple identity verification methods supported by the Internet of Things device, so that The payment server selects the target identity verification method from the multiple identity verification methods; specifically, it generates the first identity verification method based on the order information, the identification information of the IoT device, the verification identification of multiple identity verification methods supported by the IoT device, etc.
  • the payment request is to send the generated first payment request to the payment server.
  • there are multiple identity verification methods supported by IoT devices such as biometric verification methods, password account verification methods, etc.; among them, biometric verification methods such as face verification, voiceprint verification, and iris verification.
  • the first payment request may also include the user identification of the first user, a preset verification identification, a preset scene identification (such as a speaker payment scene, a car payment scene), and the like.
  • Step S106-6 receiving the first identity verification request sent by the payment server; specifically, when the payment server receives the first payment request, it selects from multiple identity verification methods supported by the Internet of Things device according to a preset method
  • the target identity verification method and according to the verification identifier of the target identity verification method, sends a first identity verification request to the Internet of Things device.
  • the preset method can be set by itself in actual applications according to needs, for example, the risk assessment system is used to evaluate the risk of each identity verification method, and the identity verification method with the least risk is determined as the target identity verification method.
  • step S105 is executed after step S106, and includes the following steps S105-4: Step S105-4, according to the verification in the first identity verification request Identify the target identity verification method corresponding to the identity, collect the user’s identity verification information to be verified, and send the collected identity verification information to the payment server, so that the payment server can verify the identity verification information and determine whether the IoT device and the first When a user's account has a binding relationship, payment processing is performed according to the order information and the bound account.
  • the identity verification information of the first user is collected for identity verification, which is conducive to improving the security and effectiveness of verification.
  • the payment server can also generate a payment code and send the payment code information to the Internet of Things device so that the Internet of Things device displays the information.
  • the payment code allows the first user to pay for the order by scanning the code.
  • the method further includes: step A2, receiving payment code information sent by the payment server; optionally, after sending the second identity verification request to the Internet of Things device, the payment server sends the payment code information to the Internet of Things device; or The payment server generates a second payment request according to the payment code information and the verification identifier of the target identity verification method, and sends the second payment request to the Internet of Things device; the Internet of Things device obtains the payment code information from the second payment request.
  • Step A4 Display the payment code corresponding to the payment code information, so that the first user scans the payment code through the bound account to pay for the order.
  • the Internet of Things device sends out a scan code prompt message to prompt the first user to scan the payment code through the bound account to pay for the order; or, the first user is inconvenient to collect the identity
  • a variety of payment methods are provided for users, so that users can choose appropriate payment methods to pay according to their own circumstances, which can greatly improve user experience.
  • the identity verification information includes biometric information, such as voiceprint information, face information, iris information, etc.; in order to improve the accuracy of verification, in one or more embodiments of this specification, as shown in Figure 8 As shown, before step S102, it also includes step S100-6 to step S100-10.
  • biometric information such as voiceprint information, face information, iris information, etc.
  • Step S100-6 collect the biometric information of the first user to be registered; specifically, detect the state of the external environment where the IoT device is currently located, and adjust the collection parameters of the IoT device according to the detected state of the external environment and collect it
  • the biometric information of the first user to be registered is voiceprint, which can detect the noisy state of the external environment where the IoT device is located. When the external environment is noisy, the volume in the collected parameters can be increased to Collect the user's voiceprint more clearly.
  • the collected biometric information to be registered is a face image, which can detect the brightness of the external environment where the Internet of Things device is located.
  • the brightness parameter in the collected parameters can be adjusted higher to make it clearer Collect the user's face image. Therefore, by detecting the state of the external environment in which the IoT device is located, and thereby adjusting the collection parameters, the quality of the collected biometric information to be registered can be improved, and the accuracy of the identity verification can be improved.
  • the IoT device can prompt the voice content, and the first user makes a voice according to the voice content prompted by the IoT device; for example, the IoT device displays the voice content "I am a speaker "Or the voice "I am a speaker", the first user sends out the voice of "I am a speaker” to make the IoT device collect.
  • Step S100-8 according to the biometric information and the identification information of the Internet of Things device, send a biometric registration request to the payment server, so that the payment server determines the biometric information when it determines that the biometric information meets the preset registration conditions
  • a sample for the identity verification of the first user on the Internet of Things device may also include the user ID of the first user, the ID number of the first user, the preset registration operation ID, and the type of biometric information (such as voiceprint, human face, etc.) and so on.
  • the biometric information can be collected twice, that is, after step S100-8, it can also include: receiving the biometric information sent by the payment server Collect the request, and collect the biometric information of the first user to be registered again, and send the biometric information collected again and the identification information of the Internet of Things device to the payment server, so that the payment server can use the biometric information collected again When the information matches the biometric information in the biometric registration request successfully, the biometric registration process is performed.
  • Step S100-10 Receive the biometric registration result information sent by the payment server.
  • the biometric registration process can be directly performed after the binding is successful, so there is no need to perform the first user again Authentication.
  • the payment server can have an accurate and effective identity verification sample, thereby improving the accuracy and effectiveness of the verification when verifying the identity of the first user during the payment process .
  • the steps Before S102 it also includes: step S100-12, sending a first device registration request to the payment server, so that the payment server generates identification information of the Internet of Things device; step S100-14, receiving the identification information sent by the payment server, and identifying The information and the device information of the Internet of Things device are sent to the payment server, so that the payment server associates and saves the identification information with the device information; step S100-16, receiving the device registration success information sent by the payment server.
  • step S102 before step S102, it further includes: step S100-18, sending a second device registration request to the payment server; wherein the second device registration request includes the device information of the Internet of Things device, so that the server will The generated identification information of the IoT device is stored in association with the device information; in step S100-20, the device registration success information sent by the server is received; wherein the device registration success information includes the identification information.
  • the device information of the Internet of Things device includes the product name of the device, the operating system version, the Bluetooth MAC address, the version of the integrated program development kit, and so on.
  • the payment server when the payment server performs the device registration process, it also allocates the Internet of Things device Public-private key pair, and send registration success information to the IoT device according to the public key; when the IoT device receives the device registration success information, it obtains the public key from the device registration success information and saves the obtained public key.
  • the foregoing step S105 may include: collecting the identity verification information of the first user to be verified, encrypting the collected identity verification information with the stored public key, and obtaining the ciphertext of the identity verification information; sending the identity verification information to the payment server Information ciphertext.
  • the payment server can effectively distinguish the Internet of Things devices, thereby ensuring the effective progress of the payment process.
  • the registration of the IoT device can be performed first to obtain the identification information of the IoT device from the payment server, so as to perform the registration of the first user's biological characteristics and the object according to the identification information.
  • the Internet of Things device is bound to the user’s account to grant the Internet of Things device the right to use the account to make payments, so that the Internet of Things device can be independent based on the user’s purchase of the target product. Completing the payment without interrupting the user's use of the IoT device can not only improve the user experience, but also enrich the application scenarios of the IoT device, so that the IoT device can better serve users and meet user needs.
  • Figure 11 is another payment method provided by one or more embodiments of this specification.
  • a schematic flow diagram of a payment method. The method in Figure 11 can be executed by the payment server in Figure 1; as shown in Figure 11, the method includes the following steps: Step S202, receiving a first payment request sent by an Internet of Things device; where , The first payment request is sent based on the first user’s purchase operation of the target product on the Internet of Things device, the first payment request includes the order information of the target product and the identification information of the Internet of Things device; specifically, the Internet of Things device responds to the first A user purchases a target product on the Internet of Things device, sends a purchase request to the back-end server of the target product, and receives the information about the order of the target product returned by the back-end server; the Internet of Things device according to the received order information and the Internet of Things
  • the identification information of the device generates the first payment request, and
  • the payment server when the payment server receives the first payment request sent by the Internet of Things device, if it determines that the Internet of Things device has a binding relationship with the account of the first user, it is based on the bound account Perform payment processing. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • the IoT device is bound to the same account with the first user’s terminal device. , That is, the client corresponding to the account is installed in the terminal device of the first user.
  • step S202 When the first user operates the client in its terminal device to bind the IoT device and the account, the client also sends the successfully bound account information and the identification information of the IoT device to the payment server; correspondingly; , As shown in Figure 12, before step S202, it also includes: step S200-2, receiving the account information of the first user and the identification information of the Internet of Things device sent by the client; where the client is the account in the terminal device Corresponding client; Step S200-4, associate the account information with the identification information and save it, and determine the saved information as the binding record information of the Internet of Things device and the account.
  • step S204 includes step S204-2, determining whether the associated binding record information is queried according to the identification information; specifically, if the associated binding record information is queried, the Internet of Things is determined The device has a binding relationship with the account of the first user; if the associated binding record information is not queried, it is determined that the Internet of Things device does not have a binding relationship with the account of the first user, and the payment failure information is sent to the Internet of Things device.
  • the payment server also verifies the identity of the first user.
  • the method further includes: step S203, acquiring the first user The identity verification information to be verified is verified; correspondingly, as shown in FIG. 13, step S206 includes the following steps S206-2: Step S206-2, if the identity verification information is verified and the object is confirmed
  • the networked device has a binding relationship with the account of the first user, and the payment processing is performed according to the information of the order and the account.
  • step S203 can be executed before step S204, and can also be executed after step S204, and can be set by itself according to actual needs, that is, the method of identity verification.
  • the identity verification method may be a voiceprint verification method. That is, the Internet of Things device has voiceprint collection and voiceprint recognition functions.
  • the first user can control the Internet of Things device to purchase the target product through a voice purchase instruction; when the Internet of Things device collects the voiceprint data corresponding to the voice purchase instruction, The voiceprint data can be directly determined as the identity verification information of the first user to be verified.
  • the payment server when receiving the first payment request, sends a second identity verification request to the Internet of Things device, and the Internet of Things device sends the collected identity verification information (voiceprint data) of the first user to be verified To the payment server.
  • step S203 includes the following step S203-2; step S203-2, sending a second identity verification request to the Internet of Things device, receiving the identity verification information to be verified sent by the Internet of Things device, and checking the identity Verify the information for verification.
  • step S203-2 can also be executed after it is determined that the Internet of Things device has a binding relationship with the first user account.
  • the IoT device collects the identity verification information (voiceprint data) of the first user to be verified, it generates the first payment request based on the identity verification information, the order information, and the identification information of the IoT device, and passes the first payment request.
  • identity verification information voiceprint data
  • step S202 and step S203 may include the following steps S202-2 and S202-4: step S202-2, receiving Internet of Things The first payment request sent by the device; wherein, the first payment request is sent based on the first user's purchase operation of the target product on the Internet of Things device, and the first payment request includes the order information of the target product, the identification information of the Internet of Things device and The identity verification information of the first user to be verified; step S202-4, obtain the identity verification information from the first payment request, and verify the identity verification information.
  • the collection of identity verification information can be realized at the same time without separate collection, which can not only improve the efficiency of identity verification, and thus the payment efficiency, but also for users In terms of convenience and simplicity.
  • step S202 and step S203 may include the following steps S202-6 to S202-10.
  • Step S202-6 Receive a first payment request sent by the Internet of Things device; where the first payment request is sent based on the first user's purchase operation of the target product on the Internet of Things device, and the first payment request includes information about the order of the target product , The identification information of the Internet of Things device and the verification identification of multiple identity verification methods supported by the Internet of Things device;
  • the first payment request may also include the user identification of the first user, a preset verification identification, a preset scene identification (such as a speaker payment scene, a car payment scene), and the like.
  • Step S202-8 Determine the target identity verification method among the multiple identity verification methods, and send a first identity verification request to the Internet of Things device according to the verification mark of the target identity verification method, so that the Internet of Things device collects data according to the target identity verification method.
  • the identity verification information of the first user to be verified; among them, the determination method of the target identity verification method can be set according to the needs in actual applications, for example, the risk assessment system is used to evaluate the risk of each identity verification method, and the identity with the least risk The verification method is determined as the target identity verification method, etc.
  • Step S202-10 receiving the identity verification information sent by the Internet of Things device, and verifying the identity verification information.
  • the target identity verification method among the multiple identity verification methods, and enabling the IoT device to collect the identity verification information of the first user according to the target identity verification method, it is beneficial to improve the security and effectiveness of the verification.
  • the payment server also generates a payment code, and stores the payment code in association with the identification information of the IoT device, order information, etc.; After the networked device sends the identity verification request, it sends payment code information to the Internet of Things device, or sends an identity verification request to the Internet of Things device based on the payment code information; so that the Internet of Things device displays the payment code corresponding to the payment code information, and When it is determined that the collection of identity verification information fails, the first user is prompted to scan the payment code to pay for the order; or when it is detected that the first user selects the scan code payment method, the order is paid by the scan code payment method.
  • step S202-10 may include: if the identity verification information sent by the Internet of Things device is received, verify the identity verification information; if the second payment request sent by the client is received, the second payment request includes The QR code inquires the information of the associated order, and performs payment processing based on the information of the order, the bound account, and the payment password of the account included in the second payment request.
  • the identity verification information sent by the Internet of Things device is received, when the identity verification information is the account password, the account password is matched with the pre-saved account password of the first user, and if the matching is successful, the verification is determined to pass. If the matching fails, the payment failure message is sent to the IoT device.
  • the identity verification information is biometric information
  • the biometric information of the first user is registered in advance to identify the first user during the payment process. Verification. Specifically, as shown in FIG. 17, before step S202, step S200-6 to step S200-10 are further included.
  • Step S200-6 Receive a biometrics registration request sent by the Internet of Things device, where the biometrics registration request includes the identification information of the Internet of Things device and the biometric information of the first user to be registered; wherein, the biometrics registration request also includes the first A user's user ID, preset registration ID and other information. Biometric information to be registered, such as face, voiceprint, iris, etc.
  • Step S200-8 If it is determined that the biometric information satisfies the preset registration conditions, the biometric information is determined as the identity verification sample of the first user on the Internet of Things device; specifically, as shown in FIG. 18, step S200-8 includes Step S200-8-2 to step S200-8-10.
  • step S200-8-2 it is determined whether the number of times the IoT device sends biometric registration requests exceeds the preset number of times within a preset period of time, if yes, the biometric registration failure information is sent to the IoT device; otherwise, step S200-8-4 is executed.
  • Step S200-8-4 according to the user identification in the biometric registration request, determine whether the first user has a historical identity verification sample, if yes, go to step S200-8-6, otherwise go to step S200-8-8; specifically , The first user may have multiple IoT devices, and when the biometric registration based on other IoT devices is successful, the biometric sample is associated with the user identification of the first user, the identification information of the corresponding IoT device, and so on.
  • step S200-8-4 includes: determining whether the associated saved biometric sample is queried according to the user identification in the biometric registration request; if so, determining that there is a historical identity verification sample; if not, determining that there is no historical identity Check the sample.
  • Step S200-8-6 matching the biometric information with the historical identity verification sample, if the matching is successful, then step S200-8-8 is executed; if the matching fails, the biometric registration failure information is sent to the IoT device; step S200 -8-8, it is determined whether the biometric information meets the preset quality requirements, if yes, step S200-8-10 is executed; otherwise, the biometric registration failure information is sent to the Internet of Things device.
  • the quality requirements can be set according to actual needs; for example, the biometric information is voiceprint, the quality requirements can be that the noise value is lower than the preset value, the accuracy of semantic recognition exceeds the preset accuracy, etc.; biometrics The information is a human face, and the quality requirement may be that the sharpness of the image exceeds the preset sharpness, etc.
  • step S200-8-10 the biometric information is determined as the first user's identity verification sample on the Internet of Things device, and step S200-10 is executed; further, in order to improve the accuracy of the biometrics, one or more embodiments of this specification
  • step S200-8 it further includes: if it is determined that the biometric information in the biometric registration request meets the preset quality requirements, sending a secondary collection request to the Internet of Things device so that the Internet of Things device collects the first user’s information again.
  • step S200-8 includes: if it is determined that both the first biometric information and the second biometric information meet the preset registration conditions, determining one of the biometric information as the first user's identity verification sample on the Internet of Things device .
  • step S200-10 the identity verification sample is stored in association with the identification information, and the biometric registration result information is sent to the Internet of Things device.
  • the identity verification sample is stored in association with the user identification of the first user, the identification information of the Internet of Things device, and the like, and the biometric registration result information is sent to the Internet of Things device.
  • the identity verification information in the payment process is biometric information
  • the identity verification information to be verified can be verified based on the registered identity verification sample.
  • the verification of the identity verification information in step S202-10 includes: if it is determined that the biometric information meets the preset quality requirements, the identity information is associated with a registered identity verification sample, and the biometric information matches the identity verification sample If it succeeds, it is determined that the identity verification information has passed the verification.
  • the identity verification information to be verified when the identity verification information to be verified is verified, it further includes: deleting the currently stored identity verification sample and verifying The passed identity verification information is determined as an identity verification sample, and the identity verification sample is stored in association with the user identification of the first user and the identification information of the Internet of Things device.
  • the method further includes: step S200-18, receiving a second device registration request sent by the Internet of Things device; wherein the second device registration request includes device information of the Internet of Things device; step S200-20 If it is determined that the number of times that the IoT device sends the second device registration request within the preset period of time does not exceed the first preset number of times, then the identification information of the IoT device is generated; step S200-22, the identification information is stored in association with the device information, Send device registration success information to the Internet of Things device, where the device registration success information includes identification information.
  • the device information of the Internet of Things device includes the product name of the device, the operating system version, the Bluetooth MAC address, the version of the integrated program development kit, and so on.
  • the method further includes: determining whether the identification information of the Internet of Things device included in the first payment request has been registered, and if not, sending payment failure information to the Internet of Things device.
  • the device registration request sent by the Internet of Things device may further include: Allocate a key pair for the Internet of Things device, and store the private key in the key pair in association with the identification information of the Internet of Things device.
  • sending device registration success information to the IoT device in steps S200-16 and S200-22 includes: sending the device registration success information to the IoT device according to the public key in the key pair, so that the IoT device is When the identity verification information of the first user is collected, the public key is used to encrypt the identity verification information; correspondingly, the aforementioned step S203 includes: obtaining the ciphertext of the identity verification information to be verified of the first user, and adopting the private key in the key pair. The key decrypts the ciphertext of the identity verification information, obtains the plaintext of the identity verification information, and verifies the plaintext of the identity verification information.
  • the ciphertext of the identity verification information to be verified of the first user is obtained, and the associated and saved private key is obtained according to the identification information of the Internet of Things device; the obtained private key is used to decrypt the ciphertext of the identity verification information to obtain the plaintext of the identity verification information , To verify the plain text of the identity verification information.
  • the payment server when the payment server receives the first payment request sent by the Internet of Things device, if it is determined that the Internet of Things device has a binding relationship with the account of the first user, it will be based on the bound account. Perform payment processing. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • FIG. 21 is a schematic diagram of the module composition of a payment device provided by one or more embodiments of this specification. The device is used to execute the payment method described in FIG. 2 to FIG. 10. As shown in FIG.
  • the device includes: a sending module 301 In response to the purchase operation of the target product on the Internet of Things device, it sends a purchase request to the back-end server of the target product; a receiving module 302, which receives the order of the target product returned by the back-end server Information; payment module 303, which sends a first payment request of the order to the payment server according to the information of the order, the first payment request includes the identification information of the Internet of Things device; so that the payment server When it is determined according to the identification information that the Internet of Things device has a binding relationship with the account of the first user, payment processing is performed according to the information of the order and the account; wherein, the binding relationship represents the Internet of Things The device is authorized by the first user to use the account for payment.
  • the payment device in response to a user's purchase operation of a target product on an Internet of Things device, sends a first payment request to the payment server based on the order information of the target product, so that the payment server
  • payment processing is performed according to the information of the order and the bound account. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment.
  • Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • the apparatus further includes: a binding module; the binding module, before the sending module 301 sends a purchase request to the background server of the target product, receives the Internet of Things device and the first Binding confirmation information that the account of a user is bound; and, based on the binding confirmation information, storing the binding relationship between the account of the first user and the Internet of Things device in the Internet of Things device.
  • the sending module 301 determines whether the Internet of Things device has a binding relationship with the account of the first user; if so, sends a purchase request to the background server of the target product; if not, sends a prompt Information, so that the first user binds the Internet of Things device with the account of the first user.
  • the sending module 301 responds to a voice purchase instruction for the target product on the Internet of Things device; correspondingly, the collection module collects voiceprint data corresponding to the voice purchase instruction, and transfers the voice
  • the pattern data is determined to be the identity verification information of the first user.
  • the first payment request further includes: verification identifiers of multiple identity verification methods supported by the Internet of Things device, so that the payment server selects a target identity verification method from the multiple identity verification methods
  • the receiving module 302 after the payment module 303 sends the first payment request of the order to the payment server according to the information of the order, receives the first identity verification request sent by the payment server;
  • the collection module collects the identity verification information of the user according to the target identity verification method corresponding to the verification identifier in the first identity verification request.
  • the device further includes: a display module; the receiving module 302 receives the payment after the payment module 303 sends the first payment request of the order to the payment server according to the information of the order Payment code information sent by the server; the display module displays the payment code corresponding to the payment code information, so that the first user scans the payment code through the account to pay for the order.
  • the device further includes: a first registration module; the identity verification information includes: biometric information; the first registration module collects the identity verification information of the first user to be verified in the collection module Before, the biometric information of the first user to be registered is also collected; and, according to the biometric information and the identification information, a biometric registration request is sent to the payment server, so that the payment server When it is determined that the biometric information satisfies preset registration conditions, the biometric information is determined as the identity verification sample of the first user with respect to the Internet of Things device; and the biometric registration result sent by the payment server is received information.
  • the identity verification information includes: biometric information
  • the first registration module collects the identity verification information of the first user to be verified in the collection module Before, the biometric information of the first user to be registered is also collected; and, according to the biometric information and the identification information, a biometric registration request is sent to the payment server, so that the payment server
  • the biometric information is determined as the identity verification sample of the first user with respect to the Internet of Things
  • the first registration module detects the state of the external environment where the Internet of Things device is currently located; adjusts the collection parameters of the Internet of Things device according to the state of the external environment and collects the first user The biometric information to be registered.
  • the device further includes: a second registration module; the second registration module, before the payment module 303 sends the first payment request of the order to the payment server according to the information of the order,
  • the payment server sends a first device registration request, so that the payment server generates the identification information of the Internet of Things device; receives the identification information sent by the payment server, and combines the identification information with Sending the device information of the Internet of Things device to the payment server, so that the payment server associates and saves the identification information with the device information; receiving device registration success information sent by the payment server; or , Sending a second device registration request to the payment server; wherein the second device registration request includes the device information of the Internet of Things device, so that the server will generate the identification information of the Internet of Things device Save in association with the device information; receive the device registration success information sent by the server; wherein the device registration success information includes the identification information.
  • the registration success information includes: a public key allocated by the server to the Internet of Things device; the collection module uses the public key to encrypt the identity verification information to obtain a ciphertext of the identity verification information ; Send the ciphertext of the identity verification information to the payment server.
  • the payment device in response to a user's purchase operation of a target product on an Internet of Things device, sends a first payment request to the payment server based on the order information of the target product, so that the payment server
  • payment processing is performed according to the information of the order and the bound account. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment.
  • Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • FIG. 22 is a schematic diagram of the module composition of another payment device provided by one or more embodiments of this specification.
  • the device is used to execute the payment method described in FIG. 11 to FIG. 20.
  • the device includes: a receiving module 401.
  • the payment device upon receiving the first payment request sent by the Internet of Things device, if it is determined that the Internet of Things device has a binding relationship with the account of the first user, it is based on the bound account Perform payment processing. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • the Internet of Things device and the terminal device of the first user are bound to the same account; the device further includes: a saving module; the receiving module 401 is configured to receive the first device sent by the Internet of Things device. Before the payment request, the account information and the identification information of the account sent by the client are also received; wherein, the client is the client corresponding to the account in the terminal device; the saving module is configured to The account information is stored in association with the identification information, and the stored information is determined as the binding record information of the Internet of Things device and the account; the determining module 402 determines whether the association is queried according to the identification information If yes, determine whether the Internet of Things device has a binding relationship with the account of the first user.
  • the receiving module 401 is configured to receive the first device sent by the Internet of Things device. Before the payment request, the account information and the identification information of the account sent by the client are also received; wherein, the client is the client corresponding to the account in the terminal device; the saving module is configured to The account information is stored in association with the identification information, and
  • the device further includes: a verification module; the verification module obtains the identity verification information to be verified of the first user, and verifies the identity verification information; the first processing module 403, if If the identity verification information is verified and it is determined that the Internet of Things device has a binding relationship with the account of the first user, then payment processing is performed according to the information of the order and the account.
  • a verification module obtains the identity verification information to be verified of the first user, and verifies the identity verification information
  • the first processing module 403 if If the identity verification information is verified and it is determined that the Internet of Things device has a binding relationship with the account of the first user, then payment processing is performed according to the information of the order and the account.
  • the first payment request further includes: verification identifiers of multiple identity verification methods supported by the Internet of Things device; the verification module determines a target identity verification method among the multiple identity verification methods; Sending a first identity verification request to the Internet of Things device according to the verification identifier of the target identity verification method, so that the Internet of Things device collects the identity verification information of the first user according to the target identity verification method; Receiving the identity verification information sent by the Internet of Things device.
  • the identity verification information includes: voiceprint data corresponding to the voice purchase instruction of the first user to the target product; the verification module, a second identity verification request sent to the Internet of Things device , Receiving the identity verification information sent by the Internet of Things device.
  • the identity verification information includes: biometric information; the verification module, if it is determined that the biometric information meets preset quality requirements, the identification information has a registered identity verification sample associated with it, and the verification module If the biometric information is successfully matched with the identity verification sample, it is determined that the identity verification information has passed the verification.
  • the device further includes: a second processing module; the second processing module receives a biometrics registration request sent by the Internet of Things device, wherein the biometrics registration request includes the identification information and the pending registration The biometric information of the first user; and if it is determined that the biometric information satisfies a preset registration condition, the biometric information is determined to be the identity verification of the first user with respect to the Internet of Things device Sample; store the identity verification sample in association with the identification information; send biometric registration result information to the Internet of Things device.
  • a biometrics registration request sent by the Internet of Things device, wherein the biometrics registration request includes the identification information and the pending registration The biometric information of the first user; and if it is determined that the biometric information satisfies a preset registration condition, the biometric information is determined to be the identity verification of the first user with respect to the Internet of Things device Sample; store the identity verification sample in association with the identification information; send biometric registration result information to the Internet of Things device.
  • the biological feature information includes: voiceprint information.
  • the apparatus further includes: a third processing module; the third processing module receives the first payment request sent by the Internet of Things device before the receiving module 401 receives the first payment request sent by the Internet of Things device Device registration request; and, if it is determined that the number of times the IoT device sends the device registration request within a preset time period does not exceed the preset number of times, then generate the identification information of the IoT device and send it to the IoT device
  • the identification information receive the identification information and device information sent by the Internet of Things device, store the identification information in association with the device information; send device registration success information to the Internet of Things device; or, receive the information
  • the apparatus further includes: an allocation module; the allocation module allocates a key pair for the Internet of Things device after the second processing module receives the device registration request sent by the Internet of Things device; The second processing module sends device registration success information to the Internet of Things device according to the public key in the key pair, so that when the Internet of Things device collects the identity verification information of the first user, The public key is used to encrypt the identity verification information; the verification module obtains the cipher text of the identity verification information to be verified of the first user, and uses the private key in the key pair to verify the identity The information ciphertext is decrypted to obtain the plaintext of the identity verification information, and the plaintext of the identity verification information is verified.
  • an allocation module allocates a key pair for the Internet of Things device after the second processing module receives the device registration request sent by the Internet of Things device
  • the second processing module sends device registration success information to the Internet of Things device according to the public key in the key pair, so that when the Internet of Things device collects the identity verification information of the first user,
  • the payment device upon receiving the first payment request sent by the Internet of Things device, if it is determined that the Internet of Things device has a binding relationship with the account of the first user, it is based on the bound account Perform payment processing. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • FIG. 23 is a schematic diagram of the composition of a payment system provided by one or more embodiments of this specification.
  • the system includes: an Internet of Things device 501, a backend server 502 of the target product to be purchased, and a payment server 503; the Internet of Things device 501, in response to the first user's purchase operation of the target product on the Internet of Things device 501, sends a purchase request to the backend server 502 of the target product; receives all the information returned by the backend server 502 The information of the order of the target product; the first payment request of the order is sent to the payment server 503 according to the information of the order; the first payment request includes the identification information of the Internet of Things device; the back-end server 502, Receive a purchase request sent by the Internet of Things device 501, generate an order for the target product according to the product information of the target product and the amount to be paid,
  • the IoT device responds to the user's purchase operation of the target product on the IoT device, and based on the order information of the target product, sends the first payment request to the payment server to make
  • the payment server determines that the Internet of Things device has a binding relationship with the account of the first user according to the identification information of the Internet of Things device, it performs payment processing according to the information of the order and the bound account. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • FIG. 24 is one or more of this specification.
  • the embodiment provides a schematic structural diagram of a payment device.
  • payment devices may have relatively large differences due to different configurations or performances, and may include one or more processors 601 and a memory 602.
  • the memory 602 may store one or more storage applications or data. . Among them, the memory 602 may be short-term storage or persistent storage.
  • the application program stored in the memory 602 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in the payment device.
  • the processor 601 may be configured to communicate with the memory 602, and execute a series of computer-executable instructions in the memory 602 on the payment device.
  • the payment device may also include one or more power sources 603, one or more wired or wireless network interfaces 604, one or more input and output interfaces 605, one or more keyboards 606, and so on.
  • the payment device includes a memory and one or more programs, wherein one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each The module may include a series of computer-executable instructions for the payment device, and the one or more programs configured to be executed by one or more processors include computer-executable instructions for performing the following: When the device purchases a target product, it sends a purchase request to the back-end server of the target product; receives the information about the order of the target product returned by the back-end server; sends all information to the payment server according to the order information.
  • the first payment request of the order where the first payment request includes the identification information of the Internet of Things device; so that the payment server determines that the Internet of Things device and the first user’s account have In the binding relationship, payment processing is performed according to the information of the order and the account; wherein the binding relationship represents that the Internet of Things device is authorized by the first user to use the account for payment.
  • the payment device in response to a user's purchase operation of a target product on an Internet of Things device, sends a first payment request to the payment server based on the order information of the target product, so that the payment server
  • payment processing is performed according to the information of the order and the bound account. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment.
  • Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • the method further includes: receiving that the Internet of Things device is bound to the account of the first user Binding confirmation information; based on the binding confirmation information, the binding relationship between the account of the first user and the Internet of Things device is stored in the Internet of Things device.
  • the sending a purchase request to the back-end server of the target product includes: determining whether the Internet of Things device has a binding relationship with the account of the first user; if so, Send a purchase request to the background server of the target product; if not, send a prompt message so that the first user binds the Internet of Things device with the account of the first user.
  • the method further includes: collecting the identity verification information of the first user to be verified; and sending the identity verification information to the payment server so that the When the payment server passes the verification of the identity verification information and determines that the Internet of Things device has a binding relationship with the account of the first user, it performs payment processing according to the information of the order and the account.
  • the response to the purchase operation of the target product on the Internet of Things device includes: responding to the voice purchase instruction for the target product on the Internet of Things device;
  • Collecting the identity verification information of the first user includes: collecting voiceprint data corresponding to the voice purchase instruction, and determining the voiceprint data as the identity verification information of the first user.
  • the first payment request further includes: verification identifiers of multiple identity verification methods supported by the Internet of Things device, so that the payment server can access the multiple Select the target identity verification method among the three identity verification methods; after the sending the first payment request of the order to the payment server according to the information of the order, the method further includes: receiving the first identity verification request sent by the payment server
  • the collecting the identity verification information of the first user includes: collecting the identity verification information of the user according to the target identity verification method corresponding to the verification identifier in the first identity verification request.
  • the computer-executable instruction when executed, after sending the first payment request of the order to the payment server according to the information of the order, it further includes: receiving the payment code information sent by the payment server; displaying; The payment code corresponding to the payment code information, so that the first user scans the payment code through the account to pay for the order.
  • the identity verification information includes: biometric information; before the collecting the identity verification information of the first user to be verified, it further includes: collecting the first user’s identity verification information Biometric information to be registered; according to the biometric information and the identification information, send a biometric registration request to the payment server, so that the payment server determines that the biometric information meets preset registration conditions
  • biometric information as the identity verification sample of the first user with respect to the Internet of Things device
  • biometric registration result information sent by the payment server is determining the biometric information as the identity verification sample of the first user with respect to the Internet of Things device.
  • the collecting biometric information of the first user to be registered includes: detecting the state of the external environment where the Internet of Things device is currently located; The state of the environment adjusts the collection parameters of the Internet of Things device and collects biometric information of the first user to be registered.
  • the method further includes: sending a first device registration to the payment server Request, so that the payment server generates the identification information of the Internet of Things device; receives the identification information sent by the payment server, and sends the identification information and the device information of the Internet of Things device to The payment server, so that the payment server associates and saves the identification information with the device information; receives the device registration success information sent by the payment server; or sends a second message to the payment server Device registration request; wherein the second device registration request includes the device information of the Internet of Things device, so that the server will associate and save the generated identification information of the Internet of Things device with the device information; receive The device registration success information sent by the server; wherein the device registration success information includes the identification information.
  • the registration success information includes: the public key allocated by the server to the Internet of Things device; the sending the identity verification information to the payment server,
  • the method includes: encrypting the identity verification information by using the public key to obtain the ciphertext of the identity verification information; and sending the ciphertext of the identity verification information to the payment server.
  • the payment device in response to a user's purchase operation of a target product on an Internet of Things device, sends a first payment request to the payment server based on the order information of the target product, so that the payment server
  • payment processing is performed according to the information of the order and the bound account. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment.
  • Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • the payment device includes a memory and one or more programs, wherein one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each Each module may include a series of computer-executable instructions for the payment device, and the one or more programs configured to be executed by one or more processors include computer-executable instructions for performing the following: A first payment request; wherein, the first payment request is sent based on the purchase operation of the target product by the first user on the Internet of Things device, and the first payment request includes the order information of the target product and the The identification information of the Internet of Things device; according to the identification information, it is determined whether the Internet of Things device has a binding relationship with the account of the first user; if so, the payment processing is performed according to the information of the order and the account.
  • the payment device upon receiving the first payment request sent by the Internet of Things device, if it is determined that the Internet of Things device has a binding relationship with the account of the first user, it is based on the bound account Perform payment processing. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • the Internet of Things device and the terminal device of the first user are bound to the same account; before the first payment request sent by the Internet of Things device is received, It also includes: receiving the account information and the identification information of the account sent by the client; wherein, the client is the client corresponding to the account in the terminal device; and the account information is combined with the The identification information is associated and saved, and the saved information is determined as the binding record information of the Internet of Things device and the account; said determining whether the Internet of Things device is bound to the account of the first user according to the identification information
  • the relationship includes: determining whether the associated binding record information is queried according to the identification information; if so, determining whether the Internet of Things device has a binding relationship with the account of the first user.
  • the method further includes: acquiring the identity verification information to be verified of the first user, and verifying the identity verification information; if so, according to the The payment processing of the information of the order and the account includes: if the identity verification information is verified and it is determined that the Internet of Things device has a binding relationship with the account of the first user, then according to the information of the order and The account performs payment processing.
  • the first payment request further includes: verification identifiers of multiple identity verification methods supported by the Internet of Things device; and said acquiring the pending verification of the first user
  • the identity verification information includes: determining a target identity verification method among the multiple identity verification methods; sending a first identity verification request to the Internet of Things device according to the verification identifier of the target identity verification method, so that the The Internet of Things device collects the identity verification information of the first user according to the target identity verification method; receives the identity verification information sent by the Internet of Things device.
  • the identity verification information when executed, includes: voiceprint data corresponding to the voice purchase instruction of the target product by the first user;
  • the identity verification information to be verified includes: a second identity verification request sent to the Internet of Things device, and receiving the identity verification information sent by the Internet of Things device.
  • the identity verification information includes: biometric information; and the verification of the identity verification information includes: if it is determined that the biometric information meets a preset quality requirement , There is a registered identity verification sample associated with the identification information, and the biometric information is successfully matched with the identity verification sample, then it is determined that the identity verification information has passed the verification.
  • the method further includes: receiving a biometric registration request sent by the Internet of Things device, wherein the biometric registration request includes the identification information and all to be registered.
  • the biometric information of the first user if it is determined that the biometric information meets preset registration conditions, the biometric information is determined to be the identity verification sample of the first user with respect to the Internet of Things device; The identity verification sample is stored in association with the identification information; and the biometric registration result information is sent to the Internet of Things device.
  • the biometric information includes voiceprint information.
  • the computer-executable instructions when executed, after receiving the device registration request sent by the Internet of Things device, they further include: allocating a key pair for the Internet of Things device; and the sending the device to the Internet of Things device
  • the registration success information includes: sending device registration success information to the Internet of Things device according to the public key in the key pair, so that when the Internet of Things device collects the identity verification information of the first user, Using the public key to encrypt the identity verification information; the obtaining the identity verification information of the first user to be verified, and verifying the identity verification information includes: obtaining the identity verification information of the first user to be verified Using the private key in the key pair to decrypt the cipher text of the identity verification information to obtain the plain text of the identity verification information, and verify the plain text of the identity verification information.
  • the payment device upon receiving the first payment request sent by the Internet of Things device, if it is determined that the Internet of Things device has a binding relationship with the account of the first user, it is based on the bound account Perform payment processing. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • one or more embodiments of this specification also provide a storage medium for storing computer-executable instructions.
  • the storage medium may be a U disk, an optical disk, a hard disk, etc.
  • the following process can be realized: in response to the purchase operation of the target product on the Internet of Things device , Send a purchase request to the back-end server of the target product; receive the order information of the target product returned by the back-end server; send the first payment request of the order to the payment server according to the information of the order ,
  • the first payment request includes the identification information of the Internet of Things device; so that when the payment server determines according to the identification information that the Internet of Things device has a binding relationship with the account of the first user, The order information and the account are used for payment processing; wherein, the binding relationship represents that the Internet of Things device is authorized by the first user to use the account for payment
  • the payment service in response to the user's purchase operation of the target product on the Internet of Things device, the payment service is issued based on the information of the target product order
  • the terminal sends the first payment request, so that when the payment server determines that the IoT device has a binding relationship with the first user's account according to the identification information of the IoT device, the payment service terminal performs payment processing according to the information of the order and the bound account. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • the method further includes: receiving the Internet of Things device and the first Binding confirmation information that the user's account is bound; and based on the binding confirmation information, the binding relationship between the first user's account and the Internet of Things device is stored in the Internet of Things device.
  • the sending a purchase request to the background server of the target product includes: determining whether the Internet of Things device is related to the account of the first user Have a binding relationship; if yes, send a purchase request to the background server of the target product; if no, send a prompt message so that the first user can associate the Internet of Things device with the first user’s account Binding.
  • the method further includes: collecting the to-be-verified identity verification information of the first user; and sending the identity to the payment server Verification information, so that when the payment server passes the verification of the identity verification information and determines that the Internet of Things device has a binding relationship with the account of the first user, according to the information of the order and the account Perform payment processing.
  • the response to the purchase operation of the target product on the Internet of Things device includes: responding to the target product on the Internet of Things device The voice purchase instruction; the collecting the identity verification information of the first user includes: collecting voiceprint data corresponding to the voice purchase instruction, and determining the voiceprint data as the identity verification information of the first user.
  • the first payment request further includes: verification identifiers of multiple identity verification methods supported by the Internet of Things device, so that the The payment server selects a target identity verification method from the multiple identity verification methods; after sending the first payment request of the order to the payment server according to the information of the order, the method further includes: receiving the payment server The first identity verification request sent; the collecting the identity verification information of the first user includes: collecting the user’s identity verification method according to the target identity verification method corresponding to the verification identifier in the first identity verification request Identity verification information.
  • the method further includes: receiving the payment server The sent payment code information; displaying the payment code corresponding to the payment code information, so that the first user scans the payment code through the account to pay for the order.
  • the identity verification information includes: biometric information; before the collecting the identity verification information of the first user to be verified, it further includes: Collect biometric information of the first user to be registered; send a biometric registration request to the payment server according to the biometric information and the identification information, so that the payment server determines the biometric
  • the biometric information is determined as the identity verification sample of the first user with respect to the Internet of Things device; and the biometric registration result information sent by the payment server is received.
  • the collecting biometric information of the first user to be registered includes: detecting the external environment in which the Internet of Things device is currently located According to the state of the external environment, adjust the collection parameters of the Internet of Things device and collect the biometric information of the first user to be registered.
  • the biometric information includes voiceprint information.
  • the method further includes: The server sends a first device registration request, so that the payment server generates the identification information of the Internet of Things device; receives the identification information sent by the payment server, and combines the identification information with the thing
  • the device information of the networked device is sent to the payment server, so that the payment server associates and saves the identification information with the device information; receives the device registration success information sent by the payment server; or
  • the payment server sends a second device registration request; wherein the second device registration request includes the device information of the Internet of Things device, so that the server can compare the generated identification information of the Internet of Things device with the The device information is associated and saved; the device registration success information sent by the server is received; wherein the device registration success information includes the identification information.
  • the registration success information includes: a public key allocated by the server to the Internet of Things device;
  • Sending the identity verification information includes: encrypting the identity verification information by using the public key to obtain a ciphertext of the identity verification information; and sending the ciphertext of the identity verification information to the payment server.
  • the payment service is issued based on the information of the target product order.
  • the terminal sends the first payment request, so that when the payment server determines that the IoT device has a binding relationship with the first user's account according to the identification information of the IoT device, the payment service terminal performs payment processing according to the information of the order and the bound account.
  • the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment.
  • Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • the storage medium may be a U disk, an optical disk, a hard disk, etc.
  • the computer executable instructions stored in the storage medium can realize the following process when being executed by the processor: Payment request; wherein, the first payment request is sent based on the purchase operation of the target product by the first user on the Internet of Things device, and the first payment request includes the order information of the target product and the Internet of Things Identification information of the device; according to the identification information, it is determined whether the Internet of Things device has a binding relationship with the account of the first user; if so, the payment processing is performed according to the information of the order and the account.
  • the computer executable instructions stored in the storage medium provided by one or more embodiments of this specification are executed by the processor, when the first payment request sent by the Internet of Things device is received, if it is determined that the Internet of Things device and the first user’s If the account has a binding relationship, payment processing is performed based on the bound account. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • the method further includes: receiving account information of the account and the identification information sent by a client; wherein, the client is a client corresponding to the account in the terminal device; The account information is stored in association with the identification information, and the stored information is determined to be the binding record information of the Internet of Things device and the account; and the identification information is used to determine whether the Internet of Things device is connected to the first A user's account has a binding relationship, including: determining whether the associated binding record information is queried according to the identification information; if so, determining whether the Internet of Things device has a binding relationship with the first user's account.
  • the method further includes: acquiring the identity verification information to be verified of the first user, and verifying the identity verification information; If yes, performing payment processing according to the information of the order and the account includes: if the identity verification information is verified and it is determined that the Internet of Things device has a binding relationship with the account of the first user, then Perform payment processing according to the information of the order and the account.
  • the first payment request further includes: verification identifiers of multiple identity verification methods supported by the Internet of Things device;
  • the identity verification information of the first user to be verified includes: determining a target identity verification method among the multiple identity verification methods; sending the first identity to the Internet of Things device according to the verification identifier of the target identity verification method A verification request, so that the Internet of Things device collects the identity verification information of the first user according to the target identity verification method; and receives the identity verification information sent by the Internet of Things device.
  • the identity verification information includes: voiceprint data corresponding to the voice purchase instruction of the target product by the first user;
  • Obtaining the to-be-verified identity verification information of the first user includes: sending a second identity verification request to the Internet of Things device, and receiving the identity verification information sent by the Internet of Things device.
  • the identity verification information includes: biometric information; and the verification of the identity verification information includes: If the information meets the preset quality requirements, there is a registered identity verification sample associated with the identification information, and the biometric information is successfully matched with the identity verification sample, it is determined that the identity verification information has passed the verification.
  • the method further includes: receiving a biometric registration request sent by the Internet of Things device, wherein the biometric registration request includes the Identification information and the biometric information of the first user to be registered; if it is determined that the biometric information satisfies a preset registration condition, the biometric information is determined as the first user's information about the Internet of Things device.
  • the identity verification sample; the identity verification sample is stored in association with the identification information; and the biometric registration result information is sent to the Internet of Things device.
  • the biometric information includes voiceprint information.
  • the method further includes: receiving the first device registration request sent by the Internet of Things device If it is determined that the number of times that the IoT device sends the device registration request within the preset time does not exceed the preset number of times, then generate identification information of the IoT device, and send the identification information to the IoT device; Receive the identification information and device information sent by the Internet of Things device, store the identification information in association with the device information; send device registration success information to the Internet of Things device; or, receive information sent by the Internet of Things device The second device registration request; wherein, the second device registration request includes the device information of the Internet of Things device; if it is determined that the number of times the Internet of Things device sends the device registration request within a preset period of time does not exceed the first The identification information of the Internet of Things device is generated for a preset number of times; the identification information is stored in association with the device information, and the device
  • the method further includes: allocating a key pair for the Internet of Things device;
  • the device registration success information sent by the Internet of Things device includes: sending device registration success information to the Internet of Things device according to the public key in the key pair, so that the Internet of Things device collects the first
  • the public key is used to encrypt the identity verification information
  • the obtaining the identity verification information of the first user to be verified and verifying the identity verification information includes: obtaining The identity verification information ciphertext of the first user to be verified, the private key in the key pair is used to decrypt the identity verification information ciphertext to obtain the identity verification information plaintext, and the identity verification information plaintext is verified .
  • the computer executable instructions stored in the storage medium provided by one or more embodiments of this specification are executed by the processor, when the first payment request sent by the Internet of Things device is received, if it is determined that the Internet of Things device and the first user’s If the account has a binding relationship, payment processing is performed based on the bound account. Therefore, by binding the Internet of Things device with the user’s account, the Internet of Things device is granted the right to use the account to make payments, so that the Internet of Things device can independently complete the payment based on the user’s purchase of the target product without making a payment. Interrupting the user's use of IoT devices can not only improve user experience, but also enrich the application scenarios of IoT devices, so that IoT devices can better serve users and meet user needs.
  • a programmable logic device Programmable Logic Device, PLD
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • the controller can be implemented in any suitable manner.
  • the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the memory control logic.
  • controllers in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded logic.
  • the same function can be realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.
  • a typical implementation device is a computer.
  • the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.
  • one or more embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, one or more embodiments of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device.
  • the device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
  • These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment.
  • the instructions provide steps for implementing the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
  • the computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • processors CPUs
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-permanent memory in computer readable media, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.
  • RAM random access memory
  • ROM read-only memory
  • flash RAM flash memory
  • Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology.
  • the information can be computer-readable instructions, data structures, program modules, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.
  • One or more embodiments of this specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • One or more of the embodiments of this specification can also be practiced in distributed computing environments. In these distributed computing environments, tasks are performed by remote processing devices connected through a communication network.
  • program modules can be located in local and remote computer storage media including storage devices.

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Abstract

一种支付方法、装置及设备，其中，方法包括：响应于在物联网设备对目标产品的购买操作，向目标产品的后台服务端发送购买请求(S102)；接收后台服务端返回的目标产品的订单的信息(S104)；根据订单的信息向支付服务端发送订单的第一支付请求，第一支付请求包括物联网设备的标识信息；以使支付服务端在根据标识信息确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理；其中，绑定关系表征物联网设备被第一用户授予了使用绑定的账户进行支付的权限(S106)。

Description

支付方法、装置及设备 技术领域
本文件涉及数据处理技术领域，尤其涉及一种跨境支付方法、装置及设备。
背景技术
随着物联网技术的发展和人们对美好生活的追求，物联网设备广泛的走进人们的生活，例如具有物联网功能的智能音箱、智能电视等。这些物联网设备在为用户提供视频、娱乐、生活便利等服务的同时，笔免不了的会有支付场景，例如，当用户想要通过智能音响播放一首付费歌曲时，需要完成支付后进行歌曲的播放。然而，在支付场景中，需要用户操作其终端设备才完成费用的支付；而这不仅增加了用户的操作，而且容易打断用户对于物联网设备的使用流程，降低用户体验。
发明内容
本说明书一个或多个实施例的目的是提供一种支付方法、装置及设备，使得物联网设备在被授予支付权限时，能够独立的完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的满足用户需求。
为解决上述技术问题，本说明书一个或多个实施例是这样实现的。
本说明书一个或多个实施例提供了一种支付方法，应用于物联网设备，包括：响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；接收所述后台服务端返回的所述目标产品的订单的信息；根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
本说明书一个或多个实施例提供了一种支付方法，应用于支付服务端，包括：接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；若是，则根据所述订单的信息和所述账户进行支付处理。
本说明书一个或多个实施例提供了一种支付装置，应用于物联网设备，包括：发送模块，其响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；接收模块，其接收所述后台服务端返回的所述目标产品的订单的信息；支付模块，其根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息 确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
本说明书一个或多个实施例提供了一种支付装置，应用于支付服务端，包括：接收模块，其接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；确定模块，其根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；第一处理模块，若所述确定模块的确定结果为是，则根据所述订单的信息和所述账户进行支付处理。
本说明书一个或多个实施例提供了一种支付设备，包括：处理器；以及，被安排成存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；接收所述后台服务端返回的所述目标产品的订单的信息；根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
本说明书一个或多个实施例提供了一种支付设备，包括：处理器；以及，被安排成存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；若是，则根据所述订单的信息和所述账户进行支付处理。
本说明书一个或多个实施例提供了一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；接收所述后台服务端返回的所述目标产品的订单的信息；根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
本说明书一个或多个实施例提供了一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；若是，则根据所述订单的信息和所述账户进行支付处理。
本说明书一个实施例，将物联网设备与用户的账户进行绑定，从而授予物联网设备 使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
附图说明
为了更清楚地说明本说明书一个或多个实施例中的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本说明书中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为本说明书一个或多个实施例提供的一种支付方法的场景示意图；
图2为本说明书一个或多个实施例提供的一种支付方法的第一种流程示意图；
图3为本说明书一个或多个实施例提供的一种支付方法的第二种流程示意图；
图4为本说明书一个或多个实施例提供的一种支付方法的第三种场景示意图；
图5为本说明书一个或多个实施例提供的一种支付方法的第四种流程示意图；
图6为本说明书一个或多个实施例提供的一种支付方法的第五种流程示意图；
图7为本说明书一个或多个实施例提供的一种支付方法的第六种流程示意图；
图8为本说明书一个或多个实施例提供的一种支付方法的第七种流程示意图；
图9为本说明书一个或多个实施例提供的一种支付方法的第八种流程示意图；
图10为本说明书一个或多个实施例提供的一种支付方法的第九种流程示意图；
图11为本说明书一个或多个实施例提供的一种支付方法的第十种流程示意图；
图12为本说明书一个或多个实施例提供的一种支付方法的第十一种流程示意图；
图13为本说明书一个或多个实施例提供的一种支付方法的第十二种流程示意图；
图14为本说明书一个或多个实施例提供的一种支付方法的第十三种流程示意图；
图15为本说明书一个或多个实施例提供的一种支付方法的第十四种流程示意图；
图16为本说明书一个或多个实施例提供的一种支付方法的第十五种流程示意图；
图17为本说明书一个或多个实施例提供的一种支付方法的第十六种流程示意图；
图18为本说明书一个或多个实施例提供的一种支付方法的第十七种流程示意图；
图19为本说明书一个或多个实施例提供的一种支付方法的第十八种流程示意图；
图20为本说明书一个或多个实施例提供的一种支付方法的第十九种流程示意图；
图21为本说明书一个或多个实施例提供的一种支付装置的第一种模块组成示意图；
图22为本说明书一个或多个实施例提供的一种支付装置的第二种模块组成示意图；
图23为本说明书一个或多个实施例提供的一种支付系统的组成示意图；
图24为本说明书一个或多个实施例提供的一种支付设备的结构示意图。
具体实施方式
为了使本技术领域的人员更好地理解本说明书一个或多个实施例中的技术方案，下面将结合本说明书一个或多个实施例中的附图，对本说明书一个或多个实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本说明书的一部分实施例，而不是全部的实施例。基于本说明书一个或多个实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都应当属于本文件的保护范围。
图1为本说明书一个或多个实施例提供的一种支付方法的应用场景示意图，如图1所示，该场景包括：物联网设备、待购买的目标产品的后台服务端和支付服务端；其中，物联网设备为任意的具有物联网功能的设备，如具有物联网功能的音箱、电视、冰箱、汽车等(图1中仅示出电视)；后台服务端和支付服务端可以是独立的服务器，也可以是由多个服务器组成的服务器集群。
具体的，第一用户首先将物联网设备与第一用户的账户进行绑定，绑定成功之后，第一用户即可操作物联网设备，以在物联网设备上购买目标产品；物联网设备响应于第一用户对目标产品的购买操作，向目标产品的后台服务端发送购买请求；后台服务器接收物联网设备发送的购买请求，根据目标产品的信息、待支付的金额等，生成目标产品的订单，并将订单的信息返回给物联网设备；物联网设备接收后台服务端返回的目标产品的订单的信息，根据订单的信息向支付服务端发送订单的第一支付请求，其中，第一支付请求包括物联网设备的标识信息；以使支付服务端在根据该标识信息确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理，并向物联网设备发送支付处理结果信息；其中，绑定关系表征物联网设备被第一用户授予了使用账户进行支付的权限。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
图2为本说明书一个或多个实施例提供的一种支付方法的流程示意图，图2中的方法能够由图1中的物联网设备执行，如图2所示，该方法包括以下步骤S102至步骤S106。
步骤S102，响应于在物联网设备对目标产品的购买操作，向目标产品的后台服务端发送购买请求；具体而言，物联网设备中可以安装购买目标产品相关的客户端，当第一用户需要通过物联网设备中的该客户端购买目标产品时，操作物联网设备以进行目标产品的购买；物联网设备响应于第一用户对目标产品的购买操作，向目标产品的后台服务端发送购买请求，以使后台服务器生成目标产品的订单并返回订单的信息。例如，物联网设备为具有物联网功能的音箱，其中可以安装某音乐播放器的客户端，该客户端中收录多个歌曲，当第一用户想要播放某个付费歌曲时，可以操作该音箱购买该付费歌曲的播放权；音箱响应于第一用户对该歌曲的购买操作，向对应的后台服务端发送购买请求， 以使后台服务端生成订单并返回订单的信息。
步骤S104，接收后台服务端返回的目标产品的订单的信息；具体的，当后台服务端接收到物联网设备发送的购买请求时，根据目标产品的产品信息、待支付的金额等生成订单，并将订单的信息返回给物联网设备；物联网设备接收后台服务端返回的目标产品的订单的信息；其中，订单的信息，包括但不限于订单标识、订单的生成时间、目标产品的信息、待支付的金额等。
步骤S106，根据订单的信息向支付服务端发送订单的第一支付请求，第一支付请求包括物联网设备的标识信息；以使支付服务端在根据标识信息确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和账户进行支付处理；其中，绑定关系表征物联网设备被第一用户授予了使用账户进行支付的权限。
本说明书一个或多个实施例中，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
为了使物联网设备可独立完成支付，第一用户在通过物联网设备进行目标产品的购买时，首先需要将物联网设备与第一用户的具有支付功能的账户进行绑定。作为一个示例，物联网设备响应于第一用户的绑定操作，根据物联网设备的标识信息生成绑定码，展示包括该绑定码的绑定页面；第一用户的终端设备中安装有待绑定的账户所对应的客户端，第一用户操作其终端设备，以通过待绑定的账户所对应的客户端扫描物联网设备的绑定码，展示解析绑定码得到物联网设备的标识信息，并在检测到第一用户的确认绑定操作时，将待绑定的账户与物联网设备进行绑定，以授予物联网设备使用该账户进行支付的权限；以及，将该账户的账户信息和物联网设备的标识信息发送给支付服务端，以使支付服务端将该账户信息与标识信息关联保存，并将保存的信息确定为物联网设备与该账户的绑定记录信息。作为另一个示例，物联网设备可以与第一用户的终端设备建立蓝牙连接，物联网设备通过该蓝牙连接向第一用户的终端设备发送物联网设备的设备信息，待绑定的账户所对应的客户端获取到物联网设备的设备信息时，展示该设备信息，并在检测到第一用户的确认绑定操作时，将待绑定的账户与物联网设备进行绑定，以授予物联网设备使用该账户进行支付的权限；以及，将该账户的账户信息和物联网设备的标识信息发送给支付服务端，以使服务端将该账户信息与标识信息关联保存，并将保存的信息确定为物联网设备与该账户的绑定记录信息。需要指出的是，物联网设备与第一用户的账户的绑定过程不限为上述示例，其可在实际应用中根据需要自行设定。进一步的，第一用户在将物联网设备与第一用户的账户进行绑定时，需要对第一用户进行身份核验，并在验证通过后进行绑定；以及，第一用户在操作其终端设备将物联网设备与第一用户的账户进行绑定过程中，可以仅授予物联网设备支付功能，还可以在授予物联网设备支付功能的同时，设定在支付时需要用户登录该账户以进一步确保支付安全。
考虑到在实际应用中，用户可能在未将物联网设备与账户进行绑定时，执行购买操作；为了避免此情况引起的后续不必要的操作，本说明书一个或多个实施例中，在物联 网设备中保存物联网设备与第一用户的账户的绑定关系，以使物联网设备在检测到第一用户对目标产品的购买操作时，首先确定物联网设备是否与第一用户的账户具有绑定关系。具体的，如图3所示，步骤S102之前，还包括步骤S100-2至步骤S100-4。
步骤S100-2，接收物联网设备与第一用户的账户进行了绑定的绑定确认信息；可选地，与前述示例对应，物联网设备所展示的绑定界面中还包括：账户信息输入框以及绑定确认控件；第一用户操作其终端设备完成物联网设备与账户的绑定时，还操作该绑定界面，在账户信息输入框中输入绑定账户的账户信息，并点击绑定确认控件；当物联网设备检测到绑定确认控件的点击操作时，确认接收到物联网设备与第一用户的账户进行了绑定的绑定确认信息，执行步骤S100-4。或者，物联网设备通过与第一用户的终端设备所建立的蓝牙连接，接收第一用户的终端设备发送的待绑定账户的账户信息，展示接收到的账户信息，并在检测到用户的确认绑定操作时，确定接收到物联网设备与第一用户的账户进行了绑定的绑定确认信息，执行步骤S100-4。
需要指出的是，物联网设备接收绑定确认信息的方式不限为上述方式，可以在实际应用中根据需要自行设定；并且前述第一用户对于物联网设备的操作，可以是触控操作，还可以是基于语音指令的控制操作，例如，第一用户通过语音指令“展示绑定码”控制物联网设备展示包括绑定码的绑定界面；物联网设备在采集到第一用户的语音指令时，解析语音指令并展示绑定界面。
步骤S100-4，基于绑定确认信息，在物联网设备中保存第一用户的账户与物联网设备的绑定关系。
可选地，将第一用户的账户的账户信息保存至指定的存储区中，或者，将第一用户的账户的账户信息、绑定时间等信息关联保存至指定的存储区中，以表征物联网设备与该账户具有绑定关系。
进一步的，当用户想要取消对物联网设备的支付授权时，还可以操作其终端设备解除账户与物联网设备的绑定关系，并可操作物联网设备，以使物联网设备将保存的绑定关系删除。
更进一步的，与步骤S100-2和步骤S100-4对应的，如图3所示，步骤S102可以包括步骤S102-2至步骤S102-6。
步骤S102-2，响应于在物联网设备对目标产品的购买操作，确定物联网设备是否与第一用户的账户具有绑定关系；若否，则执行步骤S102-4；若是，则执行步骤S102-6；具体的，响应于在物联网设备对目标产品的购买操作，查询指定的存储区中是否保存有第一用户的账户信息，若是，则确定物联网设备与第一用户的账户具有绑定关系；若否，则确定物联网设备与第一用户的账户不具有绑定关系。
步骤S102-4，发出提示信息，以使第一用户将物联网设备与第一用户的账户进行绑定；其中，发出提示信息可以为展示提示信息，还可以为语音播报提示信息。
物联网设备在检测到第一用户对于目标产品的购买操作时，通过确定物联网设备是否与第一用户的账户具有绑定关系，能够有效的避免在未与第一用户的账户进行绑定时，所引起的后续不必要的操作。
步骤S102-6，向目标产品的后台服务端发送购买请求。
为了确保支付安全，本说明书一个或多个实施例中，在支付过程中还需要对第一用户进行身份核验；具体的，如图4所示，方法还包括：步骤S105，采集第一用户的待验证的身份核验信息，向支付服务端发送身份核验信息；与之对应的，如图4所示，步骤S106包括以下步骤S106-2。
步骤S106-2，根据订单的信息向支付服务端发送订单的第一支付请求，第一支付请求包括物联网设备的标识信息；以使支付服务端对身份核验信息验证通过、且确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和账户进行支付处理；其中，绑定关系表征物联网设备被第一用户授予了使用账户进行支付的权限。
需要指出的是，步骤S105可以在向支付服务端发送第一支付请求之前执行，还可以在向支付服务端发送第一支付请求之后执行，其可根据实际需要以及不同的身份核验方式等，在实际应用中自行设定。
本说明书的一个或多个实施例中，身份核验方式可以为声纹核验。即物联网设备具有声纹采集和声纹识别功能，第一用户可以通过语音购买指令控制物联网设备进行目标产品的购买；当物联网设备在采集到该语音购买指令说对应的声纹数据时，可直接将该声纹数据确定为第一用户的待验证的身份核验信息。具体的，如图5所示，步骤S102可以包括步骤S102`，响应于在物联网设备对目标产品的语音购买指令，向目标产品的后台服务端发送购买请求；其中，语音购买指令包括第一用户对目标产品的选择指令、支付指令等；例如，第一用户向具有物联网功能的音箱发出选择指令“播放X歌曲”，物联网设备确定X歌曲为付费歌曲时，可以提示第一用户，第一用户在接收到提示信息时，向音箱发出支付指令“进行X歌曲的费用支付”。
与步骤S102`对应的，物联网设备可以在向支付服务端发送第一支付请求之后，接收支付服务端发送的第一身份核验请求，并在接收到第一身份核验请求时，将身份核验信息发送给支付服务端。具体的，如图5所示，步骤S105和步骤S106可以包括以下步骤S108-2至步骤S108-6。
步骤S108-2，采集语音购买指令对应的声纹数据，将声纹数据确定为第一用户的身份核验信息；步骤S108-4，根据订单的信息向支付服务端发送订单的第一支付请求，第一支付请求包括物联网设备的标识信息；步骤S108-6，接收支付服务端发送的第二身份核验请求，将采集的身份核验信息发送给支付服务端，以使支付服务端对身份核验信息验证通过、且确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和账户进行支付处理；其中，绑定关系表征物联网设备被第一用户授予了使用账户进行支付的权限。
需要指出的是，步骤S108-2与步骤S102`可同时执行。
由此，在第一用户通过语音控制物联网设备进行目标产品的购买过程中，即可同时实现身份核验信息的采集，而无需单独采集，提升了身份核验效率，进而提升了支付效率。
或者，与上述步骤S102`对应的，物联网设备还可以将采集的语音购买指令所对应 的声纹数据确定为第一用户的身份核验信息，并将身份核验信息添加至第一支付请求中，以通过第一支付请求将身份核验信息发送给支付服务端。具体的，如图6所示，步骤S105和步骤S106包括以下步骤S108-8和步骤S108-10。
步骤S108-8，采集语音购买指令对应的声纹数据，将声纹数据确定为第一用户的身份核验信息；根据身份核验信息、订单的信息和物联网设备的标识信息，生成第一支付请求；步骤S108-10，向支付服务端发送生成的第一支付请求，以使支付服务端对身份核验信息验证通过、且确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和账户进行支付处理；其中，绑定关系表征物联网设备被第一用户授予了使用账户进行支付的权限。
由此，根据采集的身份核验信息、订单的信息等生成第一支付请求，通过第一支付请求将身份核验信息发送给支付服务器，避免了物联网设备与支付服务端进行多次数据交互，提升了支付效率。
以上为第一用户通过语音控制物联网设备进行目标商品购买时，将第一用户的语音购买指令所对应的声纹数据确定为第一用户的待验证的身份核验信息，进行身份核验的过程，不但有利于提升支付效率，而且对于用户而言方便简单。进一步的，当第一用户未通过语音控制物联网设备进行目标商品购买时，物联网设备还可以通过预设的其他身份核验方式对第一用户进行身份核验。具体的，如图7所示，步骤S106包括以下步骤S106-4和步骤S106-6。
步骤S106-4，根据订单的信息向支付服务端发送订单的第一支付请求，第一支付请求包括物联网设备的标识信息和物联网设备所支持的多个身份核验方式的核验标识，以使支付服务端从该多个身份核验方式中选择目标身份核验方式；具体的，根据订单的信息、物联网设备的标识信息、物联网设备所支持的多个身份核验方式的核验标识等生成第一支付请求，向支付服务端发送生成的第一支付请求。其中，物联网设备所支持的多个身份核验方式如生物特征核验方式、密码账户核验方式等；其中，生物特征核验方式如人脸核验、声纹核验、虹膜核验等。需要指出的是，第一支付请求还可以包括第一用户的用户标识、预设的核验标识、预设的场景标识(如音箱支付场景、汽车支付场景)等。
步骤S106-6，接收支付服务端发送的第一身份核验请求；具体的，当支付服务端接收到第一支付请求时，根据预设方式从物联网设备所支持的多个身份核验方式中选择目标身份核验方式，并根据目标身份核验方式的核验标识，向物联网设备发送第一身份核验请求。其中，预设方式可以在实际应用中根据需要自行设定，例如通过风险评估系统评估各身份核验方式的风险，并将风险最小的身份核验方式确定为目标身份核验方式等。
与步骤S106-4和步骤S106-6对应的，如图7所示，前述步骤S105在步骤S106之后执行，且包括以下步骤S105-4：步骤S105-4，根据第一身份核验请求中的核验标识所对应的目标身份核验方式，采集用户的待验证的身份核验信息，将采集的身份核验信息发送给支付服务端，以使支付服务端对身份核验信息验证通过、且确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理。
由此，基于支付服务端指定的目标身份核验方式，采集第一用户的身份核验信息进 行身份核验，有利于提升验证的安全性和有效性。
进一步的，为了避免因网络等因素造成的身份核验信息采集失败或发送失败而导致支付失败，支付服务器还可以生成支付码，并将支付码信息发送给物联网设备，以使物联网设备展示该支付码，使得第一用户可以通过扫码的方式进行订单的支付。相应的，方法还包括：步骤A2，接收支付服务端发送的支付码信息；可选的，支付服务端在向物联网设备发送第二身份核验请求之后，向物联网设备发送支付码信息；或者，支付服务端根据支付码信息及目标身份核验方式的核验标识，生成第二支付请求，向物联网设备发送第二支付请求；物联网设备从第二支付请求中获取支付码信息。步骤A4，展示支付码信息所对应的支付码，以使第一用户通过绑定的账户扫描支付码对订单进行支付。
具体而言，物联网设备在身份核验信息采集失败时，发出扫码提示信息以提示第一用户通过绑定的账户扫描支付码以对订单进行支付；或者，第一用户在不方便被采集身份核验信息时，可以主动选择扫码支付的方式对订单进行支付。由此，为用户提供多种支付方式，使得用户可根据自身情况选择合适的支付方式进行支付，能够极大的提升用户体验。
基于上述任一实施例，当身份核验信息包括生物特征信息时，如声纹信息、人脸信息、虹膜信息等；为了提升核验的准确性，本说明书一个或多个实施例中，如图8所示，步骤S102之前，还包括步骤S100-6至步骤S100-10。
步骤S100-6，采集第一用户的待注册的生物特征信息；具体的，检测物联网设备当前所处的外部环境的状态，根据检测的外部环境的状态，调节物联网设备的采集参数并采集第一用户的待注册的生物特征信息。例如，所采集的待注册的生物特征信息为声纹，可以检测物联网设备所处的外部环境的嘈杂状态，当外部环境的嘈杂声较大时，可以将采集参数中的音量调大，以更清楚的采集到用户的声纹。又如，所采集的待注册的生物特征信息为人脸图像，可以检测物联网设备所处的外部环境的亮度，当亮度较暗时，可以将采集参数中的亮度参数调高，以更清楚的采集到用户的人脸图像。由此，通过对物联网设备所处的外部环境的状态进行检测，从而调节采集参数，能够提升所采集的待注册的生物特征信息的质量，进而提升身份核验时的准确性。
进一步的，当采集的待注册的生物特征信息为声纹时，物联网设备可以提示语音内容，第一用户按照物联网设备提示的语音内容发出语音；例如物联网设备展示语音内容“我是音箱”或者语音发出“我是音箱”，第一用户发出“我是音箱”的语音，使物联网设备进行采集。
步骤S100-8，根据生物特征信息和物联网设备的标识信息，向支付服务端发送生物特征注册请求，以使支付服务端在确定生物特征信息满足预设的注册条件时，将生物特征信息确定为第一用户关于物联网设备的身份核验样本；其中，生物特征注册请求还可以包括第一用户的用户标识、第一用户的身份证件号码、预设的注册操作标识、生物特征信息的类型(如声纹、人脸等)等。
为了提升所采集的生物特征信息的准确性，本说明书一个或多个实施例中，可以进行两次生物特征信息的采集，即步骤S100-8之后还可以包括：接收支付服务端发送的生物特征采集请求，并再次采集第一用户的待注册的生物特征信息，并将再次采集的生 物特征信息和物联网设备的标识信息发送给支付服务端，以使支付服务端将该再次采集的生物特征信息与生物特征注册请求中的生物特征信息匹配成功时，进行生物特征注册处理。
步骤S100-10，接收支付服务端发送的生物特征注册结果信息。
需要指出的是，采集第一用户的待注册的生物特征之前，还包括，对第一用户的身份进行验证，并在验证通过时，进行注册处理。由于第一用户将物联网设备与第一用户的账户进行绑定时，也需要进行身份验证，因此，可在绑定成功后，直接进行生物特征的注册处理，从而无需再次对第一用户进行身份验证。
通过对第一用户的生物特征信息进行注册，使得支付服务端可以有准确的、有效的身份核验样本，从而在支付过程中对第一用户的身份进行核验时，提升核验的准确性和有效性。
进一步的，为了使物联网设备能够与支付服务端进行有效的数据通信，并使支付服务端对各物联网设备进行有效区分，本说明书一个或多个实施例中，如图9所示，步骤S102之前还包括：步骤S100-12，向支付服务端发送第一设备注册请求，以使支付服务端生成物联网设备的标识信息；步骤S100-14，接收支付服务端发送的标识信息，将标识信息和物联网设备的设备信息发送给支付服务端，以使支付服务端将标识信息与设备信息关联保存；步骤S100-16，接收支付服务端发送的设备注册成功信息。
或者，如图10所示，步骤S102之前还包括：步骤S100-18，向支付服务端发送第二设备注册请求；其中，第二设备注册请求包括物联网设备的设备信息，以使服务端将生成的物联网设备的标识信息与设备信息关联保存；步骤S100-20，接收服务端发送的设备注册成功信息；其中，设备注册成功信息包括标识信息。
其中，物联网设备的设备信息包括设备产品名、操作系统版本、蓝牙MAC地址、所集成的程序开发包的版本等。
进一步的，为了防止支付过程中所采集的第一用户的待验证的身份核验信息被篡改，本说明书一个或多个实施例中，支付服务端在进行设备注册处理时，还为物联网设备分配公私钥对，并根据其中的公钥向物联网设备发送注册成功信息；物联网设备在接收到设备注册成功信息时，从设备注册成功信息中获取公钥，并保存获取的公钥。与之对应的，前述步骤S105可以包括：采集第一用户的待验证的身份核验信息，采用保存的公钥对采集的身份核验信息加密，得到身份核验信息密文；向支付服务端发送身份核验信息密文。
由此，通过进行物联网设备的注册，使得支付服务端能够有效的对各物联网设备进行区分，从而可确保支付过程的有效进行。
需要指出的是，对于一个刚出厂的物联网设备，可以首先进行物联网设备的注册以从支付服务端获取物联网设备的标识信息，从而根据标识信息进行第一用户的生物特征的注册、物联网设备与第一用户的账户的绑定操作，以及目标产品的购买等操作。
本说明书一个或多个实施例中，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的 购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
对应上述图2至图10描述的支付方法，基于相同的技术构思，本说明书一个或多个实施例还提供了另一种支付方法，图11为本说明书一个或多个实施例提供的另一种支付方法的流程示意图，图11中的方法能够由图1中的支付服务端执行；如图11所示，该方法包括以下步骤：步骤S202，接收物联网设备发送的第一支付请求；其中，第一支付请求基于第一用户在物联网设备对目标产品的购买操作而发送，第一支付请求包括目标产品的订单的信息和物联网设备的标识信息；具体的，物联网设备响应于第一用户在物联网设备对目标产品的购买操作，向目标产品的后台服务端发送购买请求，接收后台服务端返回的目标产品的订单的信息；物联网设备根据接收到的订单的信息和物联网设备的标识信息，生成第一支付请求，向支付服务端发送订单的第一支付请求；支付服务端接收该第一支付请求。步骤S204，根据标识信息确定物联网设备是否与第一用户的账户具有绑定关系；步骤S206，若是，则根据订单的信息和物联网设备绑定的账户进行支付处理。
本说明书一个或多个实施例中，支付服务端在接收到物联网设备发送的第一支付请求时，若确定物联网设备与第一用户的账户具有绑定关系，则基于该绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
为了使支付服务端能够快捷的确定物联网设备是否与第一用户的账户具有绑定关系，本说明书一个或多个实施例中，物联网设备与第一用户的终端设备绑定了相同的账户，即第一用户的终端设备中安装有该账户所对应的客户端。当第一用户操作其终端设备中的该客户端，进行物联网设备与账户的绑定时，该客户端还将绑定成功的账户信息与物联网设备的标识信息发送给支付服务端；相应的，如图12所示，步骤S202之前还包括：步骤S200-2，接收客户端发送的第一用户的账户信息和物联网设备的标识信息；其中，客户端为终端设备中的所述账户所对应的客户端；步骤S200-4，将账户信息与标识信息关联保存，并将保存的信息确定为物联网设备与账户的绑定记录信息。
与之对应的，如图12所示，步骤S204包括步骤S204-2，确定根据标识信息是否查询到关联的绑定记录信息；具体的，若查询到关联的绑定记录信息，则确定物联网设备与第一用户的账户具有绑定关系；若未查询到关联的绑定记录信息，则确定物联网设备与第一用户的账户不具有绑定关系，向物联网设备发送支付失败信息。
为了确保支付的安全性，本说明书一个或多个实施例中，支付服务端还对第一用户的身份进行核验，具体的，如图13所示，方法还包括：步骤S203，获取第一用户的待验证的身份核验信息，对身份核验信息进行验证；与之对应的，如图13所示，步骤S206包括以下步骤S206-2：步骤S206-2，若身份核验信息验证通过、且确定物联网设备与第一用户的账户具有绑定关系，则根据订单的信息和账户进行支付处理。
需要指出的是，步骤S203可以在步骤S204之前执行，还可以在步骤S204之后执行，可根据实际需要即身份核验的方式等自行设定。
本说明书一个或多个实施例中，身份核验方式可以为声纹核验方式。即物联网设备具有声纹采集和声纹识别功能，第一用户可以通过语音购买指令控制物联网设备进行目标产品的购买；当物联网设备采集到该语音购买指令所对应的声纹数据时，可直接将该声纹数据确定为第一用户的待验证的身份核验信息。可选地，支付服务端在接收到第一支付请求时，向物联网设备发送第二身份核验请求，物联网设备将采集到的第一用户的待验证的身份核验信息(声纹数据)发送给支付服务端。具体的，如图14所示，步骤S203包括以下步骤S203-2；步骤S203-2，向物联网设备发送第二身份核验请求，接收物联网设备发送的待验证的身份核验信息，并对身份核验信息进行验证。
需要指出的是，步骤S203-2还可以在确定物联网设备与第一用户账户具有绑定关系之后执行。
或者，物联网设备在采集到第一用户的待验证的身份核验信息(声纹数据)之后，根据身份核验信息、订单的信息和物联网设备的标识信息，生成第一支付请求，并通过第一支付请求将身份核验信息发送给支付服务端；与之对应的，如图15所示，步骤S202和步骤S203可以包括以下步骤S202-2和步骤S202-4：步骤S202-2，接收物联网设备发送的第一支付请求；其中，第一支付请求基于第一用户在物联网设备对目标产品的购买操作而发送，第一支付请求包括目标产品的订单的信息、物联网设备的标识信息和第一用户的待验证的身份核验信息；步骤S202-4，从第一支付请求中获取身份核验信息，对身份核验信息进行验证。
由此，在第一用户通过语音控制物联网设备进行目标产品的购买过程中，可同时实现身份核验信息的采集，而无需单独采集，不仅能够提升身份核验效率，进而提升支付效率，而且对于用户而言方便简单。
进一步的，当第一用户未通过语音控制物联网设备进行目标产品的购买时，还可以通过预设的其他身份核验方式采集第一用户的待验证的身份核验信息。具体的，如图16所示，步骤S202和步骤S203可以包括以下步骤S202-6至步骤S202-10。
步骤S202-6，接收物联网设备发送的第一支付请求；其中，第一支付请求基于第一用户在物联网设备对目标产品的购买操作而发送，第一支付请求包括目标产品的订单的信息、物联网设备的标识信息和物联网设备所支持的多个身份核验方式的核验标识；
其中，物联网设备所支持的多个身份核验方式如生物特征核验方式、密码账户核验方式等；其中，生物特征核验方式如人脸核验、声纹核验、虹膜核验等。需要指出的是，第一支付请求还可以包括第一用户的用户标识、预设的核验标识、预设的场景标识(如音箱支付场景、汽车支付场景)等。
步骤S202-8，确定多个身份核验方式中的目标身份核验方式，根据目标身份核验方式的核验标识，向物联网设备发送第一身份核验请求，以使物联网设备根据目标身份核验方式，采集第一用户的待验证的身份核验信息；其中，目标身份核验方式的确定方式可以在实际应用中根据需要自行设定，例如通过风险评估系统评估各身份核验方式 的风险，并将风险最小的身份核验方式确定为目标身份核验方式等。
步骤S202-10，接收物联网设备发送的身份核验信息，对身份核验信息进行验证。
由此，通过确定多个身份核验方式中的目标身份核验方式，并使物联网设备根据目标身份核验方式采集第一用户的身份核验信息，有利于提升验证的安全性和有效性。
进一步的，为了避免因物联网设备采集身份核验信息失败而导致的支付失败，支付服务端还生成支付码，将支付码与物联网设备的标识信息、订单的信息等关联保存；并在向物联网设备发送身份核验请求之后，向物联网设备发送支付码信息，或者，根据支付码信息向物联网设备发送身份核验请求；以使物联网设备展示该支付码信息所对应的支付码，并在确定身份核验信息采集失败时，提示第一用户扫描支付码进行订单的支付；或者在检测到第一用户选择扫码支付方式时，通过扫码支付的方式进行订单的支付。与之对应的，步骤S202-10可以包括：若接收到物联网设备发送的身份核验信息，对身份核验信息进行验证；若接收到客户端发送的第二支付请求，则根据第二支付请求包括的二维码查询关联的订单的信息，根据订单的信息、绑定的账户、第二支付请求包括的账户的支付密码等信息进行支付处理。
进一步的，若接收到物联网设备发送的身份核验信息，则当身份核验信息为账户密码时，将账户密码与预先保存的第一用户的账户密码进行匹配，若匹配成功，则确定验证通过，若匹配失败，则发送支付失败信息给物联网设备。
当身份核验信息为生物特征信息时，为提升核验的准确性，本说明书一个或多个实施例中，预先对第一用户的生物特征信息进行注册，以在支付过程中对第一用户进行身份核验。具体的，如图17所示，步骤S202之前还包括步骤S200-6至步骤S200-10。
步骤S200-6，接收物联网设备发送的生物特征注册请求，其中，生物特征注册请求包括物联网设备的标识信息和待注册的第一用户的生物特征信息；其中，生物特征注册请求还包括第一用户的用户标识、预设的注册标识等信息。待注册的生物特征信息如人脸、声纹、虹膜等。
步骤S200-8，若确定生物特征信息满足预设的注册条件，则将生物特征信息确定为第一用户关于物联网设备的身份核验样本；具体的，如图18所示，步骤S200-8包括步骤S200-8-2至步骤S200-8-10。
步骤S200-8-2，确定预设时长内物联网设备发送生物特征注册请求的次数是否超过预设次数，是则向物联网设备发送生物特征注册失败信息；否则执行步骤S200-8-4。
步骤S200-8-4，根据生物特征注册请求中的用户标识，确定第一用户是否存在历史身份核验样本，是则执行步骤S200-8-6，否则执行步骤S200-8-8；具体而言，第一用户可能具有多个物联网设备，并在基于其他物联网设备进行生物特征注册成功时，将生物特征样本与第一用户的用户标识、相应物联网设备的标识信息等关联保存。相应的，步骤S200-8-4包括：确定根据生物特征注册请求中的用户标识是否查询到关联保存的生物特征样本，若是，则确定存在历史身份核验样本，若否，则确定不存在历史身份核验样本。
步骤S200-8-6，将生物特征信息与历史身份核验样本进行匹配，若匹配成功， 则执行步骤S200-8-8；若匹配失败，则向物联网设备发送生物特征注册失败信息；步骤S200-8-8，确定生物特征信息是否符合预设的质量要求，是则执行步骤S200-8-10；否则向物联网设备发送生物特征注册失败信息。
其中，质量要求可以在实际应用中根据需要自行设定；例如，生物特征信息为声纹，质量要求可以为噪音值低于预设值，语义识别的准确率超过预设准确率等；生物特征信息为人脸，质量要求可以为图像的清晰度超过预设清晰度等。
步骤S200-8-10，将生物特征信息确定为第一用户关于物联网设备的身份核验样本，执行步骤S200-10；进一步的，为了提升生物特征的准确性，本说明书一个或多个实施例中，步骤S200-8之前还包括：若确定生物特征注册请求中的生物特征信息符合预设的质量要求，则向物联网设备发送二次采集请求，以使物联网设备再次采集第一用户的身份特征信息；为了便于描述，将生物特征注册请求中的生物特征信息记为第一生物特征信息，将再次采集的生物特征信息记为第二生物特征信息；并在确定第二生物特征信息符合预设的质量要求、且第一生物特征信息与第二生物特征信息匹配时，执行步骤S200-8。相应的，步骤S200-8包括：若确定第一生物特征信息和第二生物特征信息均满足预设的注册条件，则将其中一个生物特征信息确定为第一用户关于物联网设备的身份核验样本。
步骤S200-10，将身份核验样本与标识信息关联保存，发送生物特征注册结果信息给物联网设备。
具体的，将身份核验样本与第一用户的用户标识、物联网设备的标识信息等关联保存，发送生物特征注册结果信息给物联网设备。
在生物特征信息注册成功之后，若支付过程中的身份核验信息为生物特征信息，则可基于注册的身份核验样本对待验证的身份核验信息进行验证。具体的，步骤S202-10中对身份核验信息进行验证，包括：若确定生物特征信息符合预设的质量要求、标识信息存在关联的已注册的身份核验样本、且生物特征信息与身份核验样本匹配成功，则确定身份核验信息验证通过。
进一步的，为了确保身份核验样本的有效性和时效性，本说明书一个或多个实施例中，当对待验证的身份核验信息验证通过时，还包括：删除当前保存的身份核验样本，并将验证通过的身份核验信息确定为身份核验样本，将身份核验样本与第一用户的用户标识、物联网设备的标识信息关联保存。
由此，通过对用户的生物特征信息进行注册，并及时更新注册的身份核验样本，有利于提升支付过程中对用户的身份核验的准确性。
为了使物联网设备能够与支付服务端进行有效的数据通信，并使支付服务端对各物联网设备进行有效区分，本说明书一个或多个实施例中，如图19所示，步骤S202之前还包括：步骤S200-12，接收物联网设备发送的第一设备注册请求；步骤S200-14，若确定物联网设备在预设时长内发送第一设备注册请求的次数未超过预设次数，则生成物联网设备的标识信息，向物联网设备发送生成的标识信息；步骤S200-16，接收物联网设备发送的标识信息和设备信息，将标识信息与所述设备信息关联保存，向物联网设 备发送设备注册成功信息。
或者，如图20所示，步骤S202之前还包括：步骤S200-18，接收物联网设备发送的第二设备注册请求；其中，第二设备注册请求包括物联网设备的设备信息；步骤S200-20，若确定物联网设备在预设时长内发送第二设备注册请求的次数未超过第一预设次数，则生成物联网设备的标识信息；步骤S200-22，将标识信息与设备信息关联保存，向物联网设备发送设备注册成功信息，其中，设备注册成功信息包括标识信息。
其中，物联网设备的设备信息包括设备产品名、操作系统版本、蓝牙MAC地址、所集成的程序开发包的版本等。
进一步的，当支付服务端接收到第一支付请求时，还包括：确定第一支付请求包括的物联网设备的标识信息是否已注册，若否，则发送支付失败信息给物联网设备。
更进一步的，为了防止支付过程中所采集的第一用户的待验证的身份核验信息被篡改，本说明书一个或多个实施例中，接收物联网设备发送的设备注册请求之后，还可以包括：为物联网设备分配密钥对，将密钥对中的私钥与物联网设备的标识信息关联保存。
相应的，步骤S200-16和步骤S200-22中向物联网设备发送设备注册成功信息，包括：根据密钥对中的公钥，向物联网设备发送设备注册成功信息，以使物联网设备在采集到第一用户的身份核验信息时，采用公钥对身份核验信息进行加密；相应的，前述步骤S203包括：获取第一用户的待验证的身份核验信息密文，采用密钥对中的私钥对身份核验信息密文进行解密，得到身份核验信息明文，对身份核验信息明文进行验证。
具体的，获取第一用户的待验证的身份核验信息密文，根据物联网设备的标识信息获取关联保存的私钥；采用获取的私钥对身份核验信息密文进行解密，得到身份核验信息明文，对身份核验信息明文进行验证。
本说明书一个或多个实施例中，支付服务端在接收到物联网设备发送的第一支付请求时，若确定物联网设备与第一用户的账户具有绑定关系，则根据该绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
对应上述图2至图10描述的支付方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种支付装置，应用于物联网设备。图21为本说明书一个或多个实施例提供的一种支付装置的模块组成示意图，该装置用于执行图2至图10描述的支付方法，如图21所示，该装置包括：发送模块301，其响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；接收模块302，其接收所述后台服务端返回的所述目标产品的订单的信息；支付模块303，其根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑 定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
本说明书一个或多个实施例提供的支付装置，响应于用户在物联网设备对目标产品的购买操作，基于目标产品的订单的信息，向支付服务端发送第一支付请求，以使支付服务端在根据物联网设备的标识信息确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
可选地，所述装置还包括：绑定模块；所述绑定模块，在所述发送模块301向所述目标产品的后台服务端发送购买请求之前，接收所述物联网设备与所述第一用户的账户进行了绑定的绑定确认信息；以及，基于所述绑定确认信息，在所述物联网设备中保存所述第一用户的账户与所述物联网设备的绑定关系。
可选地，所述发送模块301，确定所述物联网设备是否与第一用户的账户具有绑定关系；若是，则向所述目标产品的后台服务端发送购买请求；若否，则发出提示信息，以使所述第一用户将所述物联网设备与所述第一用户的账户进行绑定。
可选地，所述装置还包括：采集模块；所述采集模块，采集所述第一用户的待验证的身份核验信息；以及，向所述支付服务端发送所述身份核验信息，以使所述支付服务端对所述身份核验信息验证通过、且确定所述物联网设备与所述第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理。
可选地，所述发送模块301，响应于在所述物联网设备对目标产品的语音购买指令；对应的，所述采集模块，采集所述语音购买指令对应的声纹数据，将所述声纹数据确定为所述第一用户的身份核验信息。
可选地，所述第一支付请求还包括：所述物联网设备所支持的多个身份核验方式的核验标识，以使所述支付服务端从所述多个身份核验方式中选择目标身份核验方式；所述接收模块302，在所述支付模块303根据所述订单的信息向支付服务端发送所述订单的第一支付请求之后，接收所述支付服务端发送的第一身份核验请求；所述采集模块，根据所述第一身份核验请求中的核验标识所对应的所述目标身份核验方式，采集所述用户的身份核验信息。
可选地，所述装置还包括：展示模块；所述接收模块302，在所述支付模块303根据所述订单的信息向支付服务端发送所述订单的第一支付请求之后，接收所述支付服务端发送的支付码信息；所述展示模块，展示所述支付码信息所对应的支付码，以使所述第一用户通过所述账户扫描所述支付码对所述订单进行支付。
可选地，所述装置还包括：第一注册模块；所述身份核验信息包括：生物特征信息；所述第一注册模块，在所述采集模块采集所述第一用户的待验证身份核验信息之前，还采集所述第一用户的待注册的生物特征信息；以及，根据所述生物特征信息和所述标识信息，向所述支付服务端发送生物特征注册请求，以使所述支付服务端确定所述 生物特征信息满足预设的注册条件时，将所述生物特征信息确定为所述第一用户关于所述物联网设备的身份核验样本；接收所述支付服务端发送的生物特征注册结果信息。
可选地，所述第一注册模块，检测所述物联网设备当前所处的外部环境的状态；根据所述外部环境的状态，调节所述物联网设备的采集参数并采集所述第一用户的待注册的生物特征信息。
可选地，所述装置还包括：第二注册模块；所述第二注册模块，在所述支付模块303根据所述订单的信息向支付服务端发送所述订单的第一支付请求之前，向所述支付服务端发送第一设备注册请求，以使所述支付服务端生成所述物联网设备的所述标识信息；接收所述支付服务端发送的所述标识信息，将所述标识信息和所述物联网设备的设备信息发送给所述支付服务端，以使所述支付服务端将所述标识信息与所述设备信息关联保存；接收所述支付服务端发送的设备注册成功信息；或者，向所述支付服务端发送第二设备注册请求；其中，所述第二设备注册请求包括所述物联网设备的设备信息，以使所述服务端将生成的所述物联网设备的标识信息与所述设备信息关联保存；接收所述服务端发送的设备注册成功信息；其中，所述设备注册成功信息包括所述标识信息。
可选地，所述注册成功信息包括：所述服务端为所述物联网设备分配的公钥；所述采集模块，采用所述公钥对所述身份核验信息加密，得到身份核验信息密文；向所述支付服务端发送所述身份核验信息密文。
本说明书一个或多个实施例提供的支付装置，响应于用户在物联网设备对目标产品的购买操作，基于目标产品的订单的信息，向支付服务端发送第一支付请求，以使支付服务端在根据物联网设备的标识信息确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
需要说明的是，本说明书中关于支付装置的实施例与本说明书中关于支付方法的实施例基于同一发明构思，因此该实施例的具体实施可以参见前述对应的支付方法的实施，重复之处不再赘述。
进一步的，对应上述图11至图20描述的支付方法，基于相同的技术构思，本说明书一个或多个实施例还提供另一种支付装置，应用于支付服务端。图22为本说明书一个或多个实施例提供的另一种支付装置的模块组成示意图，该装置用于执行图11至图20描述的支付方法，如图22所示，该装置包括：接收模块401，接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；确定模块402，根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；第一处理模块403，若确定模块402的确定结果为是，则根据所述订单的信息和所述账户进行支付处理。
本说明书一个或多个实施例提供的支付装置，在接收到物联网设备发送的第一 支付请求时，若确定物联网设备与第一用户的账户具有绑定关系，则基于该绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
可选地，所述物联网设备与所述第一用户的终端设备绑定了相同的所述账户；所述装置还包括：保存模块；所述接收模块401，接收物联网设备发送的第一支付请求之前，还接收客户端发送的所述账户的账户信息和所述标识信息；其中，所述客户端为所述终端设备中的所述账户所对应的客户端；所述保存模块，将所述账户信息与所述标识信息关联保存，并将保存的信息确定为所述物联网设备与所述账户的绑定记录信息；所述确定模块402，确定根据所述标识信息是否查询到关联的所述绑定记录信息；若是，则确定所述物联网设备是否与第一用户的账户具有绑定关系。
可选地，所述装置还包括：验证模块；所述验证模块，获取所述第一用户的待验证的身份核验信息，对所述身份核验信息进行验证；所述第一处理模块403，若所述身份核验信息验证通过、且确定所述物联网设备与所述第一用户的账户具有绑定关系，则根据所述订单的信息和所述账户进行支付处理。
可选地，所述第一支付请求还包括：所述物联网设备所支持的多个身份核验方式的核验标识；所述验证模块，确定所述多个身份核验方式中的目标身份核验方式；根据所述目标身份核验方式的核验标识，向所述物联网设备发送第一身份核验请求，以使所述物联网设备根据所述目标身份核验方式，采集所述第一用户的身份核验信息；接收所述物联网设备发送的所述身份核验信息。
可选地，所述身份核验信息包括：所述第一用户对所述目标产品的语音购买指令所对应的声纹数据；所述验证模块，向所述物联网设备发送的第二身份核验请求，接收所述物联网设备发送的所述身份核验信息。
可选地，所述身份核验信息包括：生物特征信息；所述验证模块，若确定所述生物特征信息符合预设的质量要求、所述标识信息存在关联的已注册的身份核验样本、且所述生物特征信息与所述身份核验样本匹配成功，则确定所述身份核验信息验证通过。
可选地所述装置还包括：第二处理模块；所述第二处理模块，接收所述物联网设备发送的生物特征注册请求，其中，所述生物特征注册请求包括所述标识信息和待注册的所述第一用户的生物特征信息；以及，若确定所述生物特征信息满足预设的注册条件，则将所述生物特征信息确定为所述第一用户关于所述物联网设备的身份核验样本；将所述身份核验样本与所述标识信息关联保存；发送生物特征注册结果信息给所述物联网设备。
可选地，所述生物特征信息包括：声纹信息。
可选地，所述装置还包括：第三处理模块；所述第三处理模块，在所述接收模块401接收物联网设备发送的第一支付请求之前，接收所述物联网设备发送的第一设备 注册请求；以及，若确定所述物联网设备在预设时长内发送所述设备注册请求的次数未超过预设次数，则生成所述物联网设备的标识信息，向所述物联网设备发送所述标识信息；接收所述物联网设备发送的所述标识信息和设备信息，将所述标识信息与所述设备信息关联保存；向所述物联网设备发送设备注册成功信息；或者，接收所述物联网设备发送的第二设备注册请求；其中，所述第二设备注册请求包括所述物联网设备的设备信息；若确定所述物联网设备在预设时长内发送所述设备注册请求的次数未超过第一预设次数，则生成所述物联网设备的标识信息；将所述标识信息与所述设备信息关联保存，向所述物联网设备发送设备注册成功信息，其中，所述设备注册成功信息包括所述标识信息。
可选地，所述装置还包括：分配模块；所述分配模块，在所述第二处理模块接收所述物联网设备发送的设备注册请求之后，为所述物联网设备分配密钥对；所述第二处理模块，根据所述密钥对中的公钥，向所述物联网设备发送设备注册成功信息，以使所述物联网设备在采集到所述第一用户的身份核验信息时，采用所述公钥对所述身份核验信息进行加密；所述验证模块，获取所述第一用户的待验证的身份核验信息密文，采用所述密钥对中的私钥对所述身份核验信息密文进行解密，得到身份核验信息明文，对所述身份核验信息明文进行验证。
本说明书一个或多个实施例提供的支付装置，在接收到物联网设备发送的第一支付请求时，若确定物联网设备与第一用户的账户具有绑定关系，则基于该绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
需要说明的是，本说明书中关于支付装置的实施例与本说明书中关于应用于支付服务端的支付方法的实施例基于同一发明构思，因此该实施例的具体实施可以参见前述对应的应用于支付服务端的支付方法的实施，重复之处不再赘述。
进一步的，对应上述描述的支付方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种支付系统。图23为本说明书一个或多个实施例提供的一种支付系统的组成示意图，如图23所示，该系统包括：物联网设备501、待购买的目标产品的后台服务端502、支付服务端503；物联网设备501，响应于第一用户在所述物联网设备501对目标产品的购买操作，向所述目标产品的后台服务端502发送购买请求；接收所述后台服务端502返回的所述目标产品的订单的信息；根据所述订单的信息向支付服务端503发送所述订单的第一支付请求；所述第一支付请求包括所述物联网设备的标识信息；后台服务端502，接收物联网设备501发送的购买请求，根据目标产品的产品信息和待支付金额生成所述目标产品的订单，向物联网设备501发送所述订单的信息；所述支付服务端503，接收物联网设备发送的第一支付请求；根据所述第一支付请求中的标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；若是，则根据所述订单的信息和所述账户进行支付处理。
本说明书一个或多个实施例提供的支付系统，物联网设备响应于用户在物联网设备对目标产品的购买操作，基于目标产品的订单的信息，向支付服务端发送第一支付请求，以使支付服务端在根据物联网设备的标识信息确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
需要说明的是，本说明书中关于支付系统的实施例与本说明书中关于支付方法的实施例基于同一发明构思，因此该实施例的具体实施可以参见前述对应的支付方法的实施，重复之处不再赘述。
进一步地，对应上述描述的支付方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种支付设备，该设备用于执行上述的支付法，图24为本说明书一个或多个实施例提供的一种支付设备的结构示意图。
如图24所示，支付设备可因配置或性能不同而产生比较大的差异，可以包括一个或一个以上的处理器601和存储器602，存储器602中可以存储有一个或一个以上存储应用程序或数据。其中，存储器602可以是短暂存储或持久存储。存储在存储器602的应用程序可以包括一个或一个以上模块(图示未示出)，每个模块可以包括支付设备中的一系列计算机可执行指令。更进一步地，处理器601可以设置为与存储器602通信，在支付备上执行存储器602中的一系列计算机可执行指令。支付设备还可以包括一个或一个以上电源603，一个或一个以上有线或无线网络接口604，一个或一个以上输入输出接口605，一个或一个以上键盘606等。
在一个具体的实施例中，支付设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对支付设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；接收所述后台服务端返回的所述目标产品的订单的信息；根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
本说明书一个或多个实施例提供的支付设备，响应于用户在物联网设备对目标产品的购买操作，基于目标产品的订单的信息，向支付服务端发送第一支付请求，以使支付服务端在根据物联网设备的标识信息确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能 够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
可选地，计算机可执行指令在被执行时，所述向所述目标产品的后台服务端发送购买请求之前，还包括：接收所述物联网设备与所述第一用户的账户进行了绑定的绑定确认信息；基于所述绑定确认信息，在所述物联网设备中保存所述第一用户的账户与所述物联网设备的绑定关系。
可选地，计算机可执行指令在被执行时，所述向所述目标产品的后台服务端发送购买请求，包括：确定所述物联网设备是否与第一用户的账户具有绑定关系；若是，则向所述目标产品的后台服务端发送购买请求；若否，则发出提示信息，以使所述第一用户将所述物联网设备与所述第一用户的账户进行绑定。
可选地，计算机可执行指令在被执行时，所述方法还包括：采集所述第一用户的待验证的身份核验信息；向所述支付服务端发送所述身份核验信息，以使所述支付服务端对所述身份核验信息验证通过、且确定所述物联网设备与所述第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理。
可选地，计算机可执行指令在被执行时，所述响应于在所述物联网设备对目标产品的购买操作，包括：响应于在所述物联网设备对目标产品的语音购买指令；所述采集所述第一用户的身份核验信息，包括：采集所述语音购买指令对应的声纹数据，将所述声纹数据确定为所述第一用户的身份核验信息。
可选地，计算机可执行指令在被执行时，所述第一支付请求还包括：所述物联网设备所支持的多个身份核验方式的核验标识，以使所述支付服务端从所述多个身份核验方式中选择目标身份核验方式；所述根据所述订单的信息向支付服务端发送所述订单的第一支付请求之后，还包括：接收所述支付服务端发送的第一身份核验请求；所述采集所述第一用户的身份核验信息，包括：根据所述第一身份核验请求中的核验标识所对应的所述目标身份核验方式，采集所述用户的身份核验信息。
可选地，计算机可执行指令在被执行时，根据所述订单的信息向支付服务端发送所述订单的第一支付请求之后，还包括：接收所述支付服务端发送的支付码信息；展示所述支付码信息所对应的支付码，以使所述第一用户通过所述账户扫描所述支付码对所述订单进行支付。
可选地，计算机可执行指令在被执行时，所述身份核验信息包括：生物特征信息；所述采集所述第一用户的待验证身份核验信息之前，还包括：采集所述第一用户的待注册的生物特征信息；根据所述生物特征信息和所述标识信息，向所述支付服务端发送生物特征注册请求，以使所述支付服务端确定所述生物特征信息满足预设的注册条件时，将所述生物特征信息确定为所述第一用户关于所述物联网设备的身份核验样本；接收所述支付服务端发送的生物特征注册结果信息。
可选地，计算机可执行指令在被执行时，所述采集所述第一用户的待注册的生物特征信息，包括：检测所述物联网设备当前所处的外部环境的状态；根据所述外部环 境的状态，调节所述物联网设备的采集参数并采集所述第一用户的待注册的生物特征信息。
可选地，计算机可执行指令在被执行时，所述根据所述订单的信息向支付服务端发送所述订单的第一支付请求之前，还包括：向所述支付服务端发送第一设备注册请求，以使所述支付服务端生成所述物联网设备的所述标识信息；接收所述支付服务端发送的所述标识信息，将所述标识信息和所述物联网设备的设备信息发送给所述支付服务端，以使所述支付服务端将所述标识信息与所述设备信息关联保存；接收所述支付服务端发送的设备注册成功信息；或者，向所述支付服务端发送第二设备注册请求；其中，所述第二设备注册请求包括所述物联网设备的设备信息，以使所述服务端将生成的所述物联网设备的标识信息与所述设备信息关联保存；接收所述服务端发送的设备注册成功信息；其中，所述设备注册成功信息包括所述标识信息。
可选地，计算机可执行指令在被执行时，所述注册成功信息包括：所述服务端为所述物联网设备分配的公钥；所述向所述支付服务端发送所述身份核验信息，包括：采用所述公钥对所述身份核验信息加密，得到身份核验信息密文；向所述支付服务端发送所述身份核验信息密文。
本说明书一个或多个实施例提供的支付设备，响应于用户在物联网设备对目标产品的购买操作，基于目标产品的订单的信息，向支付服务端发送第一支付请求，以使支付服务端在根据物联网设备的标识信息确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
在另一个具体的实施例中，支付设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可以包括一个或一个以上模块，且每个模块可以包括对支付设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；若是，则根据所述订单的信息和所述账户进行支付处理。
本说明书一个或多个实施例提供的支付设备，在接收到物联网设备发送的第一支付请求时，若确定物联网设备与第一用户的账户具有绑定关系，则基于该绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需 求。
可选地，计算机可执行指令在被执行时，所述物联网设备与所述第一用户的终端设备绑定了相同的所述账户；所述接收物联网设备发送的第一支付请求之前，还包括：接收客户端发送的所述账户的账户信息和所述标识信息；其中，所述客户端为所述终端设备中的所述账户所对应的客户端；将所述账户信息与所述标识信息关联保存，并将保存的信息确定为所述物联网设备与所述账户的绑定记录信息；所述根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系，包括：确定根据所述标识信息是否查询到关联的所述绑定记录信息；若是，则确定所述物联网设备是否与第一用户的账户具有绑定关系。
可选地，计算机可执行指令在被执行时，所述方法还包括：获取所述第一用户的待验证的身份核验信息，对所述身份核验信息进行验证；所述若是，则根据所述订单的信息和所述账户进行支付处理，包括：若所述身份核验信息验证通过、且确定所述物联网设备与所述第一用户的账户具有绑定关系，则根据所述订单的信息和所述账户进行支付处理。
可选地，计算机可执行指令在被执行时，所述第一支付请求还包括：所述物联网设备所支持的多个身份核验方式的核验标识；所述获取所述第一用户的待验证的身份核验信息，包括：确定所述多个身份核验方式中的目标身份核验方式；根据所述目标身份核验方式的核验标识，向所述物联网设备发送第一身份核验请求，以使所述物联网设备根据所述目标身份核验方式，采集所述第一用户的身份核验信息；接收所述物联网设备发送的所述身份核验信息。
可选地，计算机可执行指令在被执行时，所述身份核验信息包括：所述第一用户对所述目标产品的语音购买指令所对应的声纹数据；所述获取所述第一用户的待验证的身份核验信息，包括：向所述物联网设备发送的第二身份核验请求，接收所述物联网设备发送的所述身份核验信息。
可选地，计算机可执行指令在被执行时，所述身份核验信息包括：生物特征信息；所述对所述身份核验信息进行验证，包括：若确定所述生物特征信息符合预设的质量要求、所述标识信息存在关联的已注册的身份核验样本、且所述生物特征信息与所述身份核验样本匹配成功，则确定所述身份核验信息验证通过。
可选地，计算机可执行指令在被执行时，所述方法还包括：接收所述物联网设备发送的生物特征注册请求，其中，所述生物特征注册请求包括所述标识信息和待注册的所述第一用户的生物特征信息；若确定所述生物特征信息满足预设的注册条件，则将所述生物特征信息确定为所述第一用户关于所述物联网设备的身份核验样本；将所述身份核验样本与所述标识信息关联保存；发送生物特征注册结果信息给所述物联网设备。
可选地，计算机可执行指令在被执行时，所述生物特征信息包括：声纹信息。
可选地，计算机可执行指令在被执行时，所述接收物联网设备发送的第一支付请求之前，还包括：接收所述物联网设备发送的第一设备注册请求；若确定所述物联网设备在预设时长内发送所述设备注册请求的次数未超过预设次数，则生成所述物联网设 备的标识信息，向所述物联网设备发送所述标识信息；接收所述物联网设备发送的所述标识信息和设备信息，将所述标识信息与所述设备信息关联保存；向所述物联网设备发送设备注册成功信息；或者，接收所述物联网设备发送的第二设备注册请求；其中，所述第二设备注册请求包括所述物联网设备的设备信息；若确定所述物联网设备在预设时长内发送所述设备注册请求的次数未超过第一预设次数，则生成所述物联网设备的标识信息；将所述标识信息与所述设备信息关联保存，向所述物联网设备发送设备注册成功信息，其中，所述设备注册成功信息包括所述标识信息。
可选地，计算机可执行指令在被执行时，接收所述物联网设备发送的设备注册请求之后，还包括：为所述物联网设备分配密钥对；所述向所述物联网设备发送设备注册成功信息，包括：根据所述密钥对中的公钥，向所述物联网设备发送设备注册成功信息，以使所述物联网设备在采集到所述第一用户的身份核验信息时，采用所述公钥对所述身份核验信息进行加密；所述获取所述第一用户的待验证的身份核验信息，对所述身份核验信息进行验证，包括：获取所述第一用户的待验证的身份核验信息密文，采用所述密钥对中的私钥对所述身份核验信息密文进行解密，得到身份核验信息明文，对所述身份核验信息明文进行验证。
本说明书一个或多个实施例提供的支付设备，在接收到物联网设备发送的第一支付请求时，若确定物联网设备与第一用户的账户具有绑定关系，则基于该绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
需要说明的是，本说明书中关于支付设备的实施例与本说明书中关于支付方法的实施例基于同一发明构思，因此该实施例的具体实施可以参见前述对应的支付方法的实施，重复之处不再赘述。
进一步地，对应上述图2至图6所示的方法，基于相同的技术构思，本说明书一个或多个实施例还提供了一种存储介质，用于存储计算机可执行指令，一个具体的实施例中，该存储介质可以为U盘、光盘、硬盘等，该存储介质存储的计算机可执行指令在被处理器执行时，能实现以下流程：响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；接收所述后台服务端返回的所述目标产品的订单的信息；根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
本说明书一个或多个实施例提供的存储介质存储的计算机可执行指令在被处理器执行时，响应于用户在物联网设备对目标产品的购买操作，基于目标产品的订单的信息，向支付服务端发送第一支付请求，以使支付服务端在根据物联网设备的标识信息确 定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述向所述目标产品的后台服务端发送购买请求之前，还包括：接收所述物联网设备与所述第一用户的账户进行了绑定的绑定确认信息；基于所述绑定确认信息，在所述物联网设备中保存所述第一用户的账户与所述物联网设备的绑定关系。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述向所述目标产品的后台服务端发送购买请求，包括：确定所述物联网设备是否与第一用户的账户具有绑定关系；若是，则向所述目标产品的后台服务端发送购买请求；若否，则发出提示信息，以使所述第一用户将所述物联网设备与所述第一用户的账户进行绑定。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述方法还包括：采集所述第一用户的待验证的身份核验信息；向所述支付服务端发送所述身份核验信息，以使所述支付服务端对所述身份核验信息验证通过、且确定所述物联网设备与所述第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述响应于在所述物联网设备对目标产品的购买操作，包括：响应于在所述物联网设备对目标产品的语音购买指令；所述采集所述第一用户的身份核验信息，包括：采集所述语音购买指令对应的声纹数据，将所述声纹数据确定为所述第一用户的身份核验信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述第一支付请求还包括：所述物联网设备所支持的多个身份核验方式的核验标识，以使所述支付服务端从所述多个身份核验方式中选择目标身份核验方式；所述根据所述订单的信息向支付服务端发送所述订单的第一支付请求之后，还包括：接收所述支付服务端发送的第一身份核验请求；所述采集所述第一用户的身份核验信息，包括：根据所述第一身份核验请求中的核验标识所对应的所述目标身份核验方式，采集所述用户的身份核验信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，根据所述订单的信息向支付服务端发送所述订单的第一支付请求之后，还包括：接收所述支付服务端发送的支付码信息；展示所述支付码信息所对应的支付码，以使所述第一用户通过所述账户扫描所述支付码对所述订单进行支付。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述身份核验信息包括：生物特征信息；所述采集所述第一用户的待验证身份核验信息之前，还包括：采集所述第一用户的待注册的生物特征信息；根据所述生物特征信息和所述标识信息，向所述支付服务端发送生物特征注册请求，以使所述支付服务端确定所述生物特征信息满足预设的注册条件时，将所述生物特征信息确定为所述第一用户关于所述物联网设备的身份核验样本；接收所述支付服务端发送的生物特征注册结果信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述采集所述第一用户的待注册的生物特征信息，包括：检测所述物联网设备当前所处的外部环境的状态；根据所述外部环境的状态，调节所述物联网设备的采集参数并采集所述第一用户的待注册的生物特征信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述生物特征信息包括：声纹信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述根据所述订单的信息向支付服务端发送所述订单的第一支付请求之前，还包括：向所述支付服务端发送第一设备注册请求，以使所述支付服务端生成所述物联网设备的所述标识信息；接收所述支付服务端发送的所述标识信息，将所述标识信息和所述物联网设备的设备信息发送给所述支付服务端，以使所述支付服务端将所述标识信息与所述设备信息关联保存；接收所述支付服务端发送的设备注册成功信息；或者，向所述支付服务端发送第二设备注册请求；其中，所述第二设备注册请求包括所述物联网设备的设备信息，以使所述服务端将生成的所述物联网设备的标识信息与所述设备信息关联保存；接收所述服务端发送的设备注册成功信息；其中，所述设备注册成功信息包括所述标识信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述注册成功信息包括：所述服务端为所述物联网设备分配的公钥；所述向所述支付服务端发送所述身份核验信息，包括：采用所述公钥对所述身份核验信息加密，得到身份核验信息密文；向所述支付服务端发送所述身份核验信息密文。
本说明书一个或多个实施例提供的存储介质存储的计算机可执行指令在被处理器执行时，响应于用户在物联网设备对目标产品的购买操作，基于目标产品的订单的信息，向支付服务端发送第一支付请求，以使支付服务端在根据物联网设备的标识信息确定物联网设备与第一用户的账户具有绑定关系时，根据订单的信息和绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
另一个具体的实施例中，该存储介质可以为U盘、光盘、硬盘等，该存储介质存储的计算机可执行指令在被处理器执行时，能实现以下流程：接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；若是，则根据所述订单的信息和所述账户进行支付处理。
本说明书一个或多个实施例提供的存储介质所存储的计算机可执行指令在被处理器执行时，在接收到物联网设备发送的第一支付请求时，若确定物联网设备与第一用户的账户具有绑定关系，则基于该绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设 备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述物联网设备与所述第一用户的终端设备绑定了相同的所述账户；所述接收物联网设备发送的第一支付请求之前，还包括：接收客户端发送的所述账户的账户信息和所述标识信息；其中，所述客户端为所述终端设备中的所述账户所对应的客户端；将所述账户信息与所述标识信息关联保存，并将保存的信息确定为所述物联网设备与所述账户的绑定记录信息；所述根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系，包括：确定根据所述标识信息是否查询到关联的所述绑定记录信息；若是，则确定所述物联网设备是否与第一用户的账户具有绑定关系。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述方法还包括：获取所述第一用户的待验证的身份核验信息，对所述身份核验信息进行验证；所述若是，则根据所述订单的信息和所述账户进行支付处理，包括：若所述身份核验信息验证通过、且确定所述物联网设备与所述第一用户的账户具有绑定关系，则根据所述订单的信息和所述账户进行支付处理。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述第一支付请求还包括：所述物联网设备所支持的多个身份核验方式的核验标识；所述获取所述第一用户的待验证的身份核验信息，包括：确定所述多个身份核验方式中的目标身份核验方式；根据所述目标身份核验方式的核验标识，向所述物联网设备发送第一身份核验请求，以使所述物联网设备根据所述目标身份核验方式，采集所述第一用户的身份核验信息；接收所述物联网设备发送的所述身份核验信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述身份核验信息包括：所述第一用户对所述目标产品的语音购买指令所对应的声纹数据；所述获取所述第一用户的待验证的身份核验信息，包括：向所述物联网设备发送的第二身份核验请求，接收所述物联网设备发送的所述身份核验信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述身份核验信息包括：生物特征信息；所述对所述身份核验信息进行验证，包括：若确定所述生物特征信息符合预设的质量要求、所述标识信息存在关联的已注册的身份核验样本、且所述生物特征信息与所述身份核验样本匹配成功，则确定所述身份核验信息验证通过。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述方法还包括：接收所述物联网设备发送的生物特征注册请求，其中，所述生物特征注册请求包括所述标识信息和待注册的所述第一用户的生物特征信息；若确定所述生物特征信息满足预设的注册条件，则将所述生物特征信息确定为所述第一用户关于所述物联网设备的身份核验样本；将所述身份核验样本与所述标识信息关联保存；发送生物特征注册结果信息给所述物联网设备。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述生物特征信息包括：声纹信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，所述接收物联网设备发送的第一支付请求之前，还包括：接收所述物联网设备发送的第一设备注册请求；若确定所述物联网设备在预设时长内发送所述设备注册请求的次数未超过预设次数，则生成所述物联网设备的标识信息，向所述物联网设备发送所述标识信息；接收所述物联网设备发送的所述标识信息和设备信息，将所述标识信息与所述设备信息关联保存；向所述物联网设备发送设备注册成功信息；或者，接收所述物联网设备发送的第二设备注册请求；其中，所述第二设备注册请求包括所述物联网设备的设备信息；若确定所述物联网设备在预设时长内发送所述设备注册请求的次数未超过第一预设次数，则生成所述物联网设备的标识信息；将所述标识信息与所述设备信息关联保存，向所述物联网设备发送设备注册成功信息，其中，所述设备注册成功信息包括所述标识信息。
可选地，该存储介质存储的计算机可执行指令在被处理器执行时，接收所述物联网设备发送的设备注册请求之后，还包括：为所述物联网设备分配密钥对；所述向所述物联网设备发送设备注册成功信息，包括：根据所述密钥对中的公钥，向所述物联网设备发送设备注册成功信息，以使所述物联网设备在采集到所述第一用户的身份核验信息时，采用所述公钥对所述身份核验信息进行加密；所述获取所述第一用户的待验证的身份核验信息，对所述身份核验信息进行验证，包括：获取所述第一用户的待验证的身份核验信息密文，采用所述密钥对中的私钥对所述身份核验信息密文进行解密，得到身份核验信息明文，对所述身份核验信息明文进行验证。
本说明书一个或多个实施例提供的存储介质所存储的计算机可执行指令在被处理器执行时，在接收到物联网设备发送的第一支付请求时，若确定物联网设备与第一用户的账户具有绑定关系，则基于该绑定的账户进行支付处理。由此，通过将物联网设备与用户的账户进行绑定，从而授予物联网设备使用该账户进行支付的权限，使得物联网设备能够基于用户对目标产品的购买操作独立完成支付，而不会打断用户对于物联网设备的使用流程，不仅能够提升用户体验，而且能够丰富物联网设备的应用场景，使得物联网设备能够更好的服务于用户、满足用户需求。
需要说明的是，本说明书中关于存储介质的实施例与本说明书中关于支付方法的实施例基于同一发明构思，因此该实施例的具体实施可以参见前述对应的支付方法的实施，重复之处不再赘述。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
在20世纪30年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如， 可编程逻辑器件(Programmable Logic Device，PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本说明书实施例时可以把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本说明书一个或多个实施例可提供为方法、系统或计算机程序产品。因此，本说明书一个或多个实施例可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本说明书可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本说明书是参照根据本说明书实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本说明书一个或多个实施例可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本说明书的一个或多个实施例，在这些分布式计算环境中，由通过通信网络而被连接的远程 处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
以上所述仅为本文件的实施例而已，并不用于限制本文件。对于本领域技术人员来说，本文件可以有各种更改和变化。凡在本文件的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本文件的权利要求范围之内。

Claims (29)

  1. 一种支付方法，应用于物联网设备，包括：
    响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；
    接收所述后台服务端返回的所述目标产品的订单的信息；
    根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
  2. 根据权利要求1所述的方法，所述向所述目标产品的后台服务端发送购买请求之前，还包括：
    接收所述物联网设备与所述第一用户的账户进行了绑定的绑定确认信息；
    基于所述绑定确认信息，在所述物联网设备中保存所述第一用户的账户与所述物联网设备的绑定关系。
  3. 根据权利要求2所述的方法，所述向所述目标产品的后台服务端发送购买请求，包括：
    确定所述物联网设备是否与第一用户的账户具有绑定关系；
    若是，则向所述目标产品的后台服务端发送购买请求；
    若否，则发出提示信息，以使所述第一用户将所述物联网设备与所述第一用户的账户进行绑定。
  4. 根据权利要求1所述的方法，所述方法还包括：
    采集所述第一用户的待验证的身份核验信息；
    向所述支付服务端发送所述身份核验信息，以使所述支付服务端对所述身份核验信息验证通过、且确定所述物联网设备与所述第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理。
  5. 根据权利要求4所述的方法，所述响应于在所述物联网设备对目标产品的购买操作，包括：
    响应于在所述物联网设备对目标产品的语音购买指令；
    所述采集所述第一用户的身份核验信息，包括：
    采集所述语音购买指令对应的声纹数据，将所述声纹数据确定为所述第一用户的身份核验信息。
  6. 根据权利要求4所述的方法，所述第一支付请求还包括：所述物联网设备所支持的多个身份核验方式的核验标识，以使所述支付服务端从所述多个身份核验方式中选择目标身份核验方式；
    所述根据所述订单的信息向支付服务端发送所述订单的第一支付请求之后，还包括：
    接收所述支付服务端发送的第一身份核验请求；
    所述采集所述第一用户的身份核验信息，包括：
    根据所述第一身份核验请求中的核验标识所对应的所述目标身份核验方式，采集所述用户的身份核验信息。
  7. 根据权利要求1所述的方法，根据所述订单的信息向支付服务端发送所述订单的第一支付请求之后，还包括：
    接收所述支付服务端发送的支付码信息；
    展示所述支付码信息所对应的支付码，以使所述第一用户通过所述账户扫描所述支付码对所述订单进行支付。
  8. 根据权利要求4所述的方法，所述身份核验信息包括：生物特征信息；
    所述采集所述第一用户的待验证身份核验信息之前，还包括：
    采集所述第一用户的待注册的生物特征信息；
    根据所述生物特征信息和所述标识信息，向所述支付服务端发送生物特征注册请求，以使所述支付服务端确定所述生物特征信息满足预设的注册条件时，将所述生物特征信息确定为所述第一用户关于所述物联网设备的身份核验样本；
    接收所述支付服务端发送的生物特征注册结果信息。
  9. 根据权利要求8所述的方法，所述采集所述第一用户的待注册的生物特征信息，包括：
    检测所述物联网设备当前所处的外部环境的状态；
    根据所述外部环境的状态，调节所述物联网设备的采集参数并采集所述第一用户的待注册的生物特征信息。
  10. 根据权利要求4所述的方法，所述根据所述订单的信息向支付服务端发送所述订单的第一支付请求之前，还包括：
    向所述支付服务端发送第一设备注册请求，以使所述支付服务端生成所述物联网设备的所述标识信息；
    接收所述支付服务端发送的所述标识信息，将所述标识信息和所述物联网设备的设备信息发送给所述支付服务端，以使所述支付服务端将所述标识信息与所述设备信息关联保存；
    接收所述支付服务端发送的设备注册成功信息；
    或者，
    向所述支付服务端发送第二设备注册请求；其中，所述第二设备注册请求包括所述物联网设备的设备信息，以使所述服务端将生成的所述物联网设备的标识信息与所述设备信息关联保存；
    接收所述服务端发送的设备注册成功信息；其中，所述设备注册成功信息包括所述标识信息。
  11. 根据权利要求10所述的方法，所述注册成功信息包括：所述服务端为所述物联网设备分配的公钥；
    所述向所述支付服务端发送所述身份核验信息，包括：
    采用所述公钥对所述身份核验信息加密，得到身份核验信息密文；
    向所述支付服务端发送所述身份核验信息密文。
  12. 一种支付方法，应用于支付服务端，包括：
    接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；
    根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；
    若是，则根据所述订单的信息和所述账户进行支付处理。
  13. 根据权利要求12所述的方法，所述物联网设备与所述第一用户的终端设备绑定了相同的所述账户；
    所述接收物联网设备发送的第一支付请求之前，还包括：
    接收客户端发送的所述账户的账户信息和所述标识信息；其中，所述客户端为所述终端设备中的所述账户所对应的客户端；
    将所述账户信息与所述标识信息关联保存，并将保存的信息确定为所述物联网设备与所述账户的绑定记录信息；
    所述根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系，包括：
    确定根据所述标识信息是否查询到关联的所述绑定记录信息；
    若是，则确定所述物联网设备是否与第一用户的账户具有绑定关系。
  14. 根据权利要求12所述的方法，所述方法还包括：
    获取所述第一用户的待验证的身份核验信息，对所述身份核验信息进行验证；
    所述若是，则根据所述订单的信息和所述账户进行支付处理，包括：
    若所述身份核验信息验证通过、且确定所述物联网设备与所述第一用户的账户具有绑定关系，则根据所述订单的信息和所述账户进行支付处理。
  15. 根据权利要求14所述的方法，所述第一支付请求还包括：所述物联网设备所支持的多个身份核验方式的核验标识；
    所述获取所述第一用户的待验证的身份核验信息，包括：
    确定所述多个身份核验方式中的目标身份核验方式；
    根据所述目标身份核验方式的核验标识，向所述物联网设备发送第一身份核验请求，以使所述物联网设备根据所述目标身份核验方式，采集所述第一用户的身份核验信息；
    接收所述物联网设备发送的所述身份核验信息。
  16. 根据权利要求14所述的方法，所述身份核验信息包括：所述第一用户对所述目标产品的语音购买指令所对应的声纹数据；
    所述获取所述第一用户的待验证的身份核验信息，包括：
    向所述物联网设备发送的第二身份核验请求，接收所述物联网设备发送的所述身份核验信息。
  17. 根据权利要求14所述的方法，所述身份核验信息包括：生物特征信息；
    所述对所述身份核验信息进行验证，包括：
    若确定所述生物特征信息符合预设的质量要求、所述标识信息存在关联的已注册的身份核验样本、且所述生物特征信息与所述身份核验样本匹配成功，则确定所述身份核验信息验证通过。
  18. 根据权利要求17所述的方法，所述方法还包括：
    接收所述物联网设备发送的生物特征注册请求，其中，所述生物特征注册请求包括所述标识信息和待注册的所述第一用户的生物特征信息；
    若确定所述生物特征信息满足预设的注册条件，则将所述生物特征信息确定为所述第一用户关于所述物联网设备的身份核验样本；
    将所述身份核验样本与所述标识信息关联保存；
    发送生物特征注册结果信息给所述物联网设备。
  19. 根据权利要求14所述的方法，所述接收物联网设备发送的第一支付请求之前，还包括：
    接收所述物联网设备发送的第一设备注册请求；
    若确定所述物联网设备在预设时长内发送所述设备注册请求的次数未超过预设次数，则生成所述物联网设备的标识信息，向所述物联网设备发送所述标识信息；
    接收所述物联网设备发送的所述标识信息和设备信息，将所述标识信息与所述设备信息关联保存；
    向所述物联网设备发送设备注册成功信息；
    或者，
    接收所述物联网设备发送的第二设备注册请求；其中，所述第二设备注册请求包括所述物联网设备的设备信息；
    若确定所述物联网设备在预设时长内发送所述设备注册请求的次数未超过第一预设次数，则生成所述物联网设备的标识信息；
    将所述标识信息与所述设备信息关联保存，向所述物联网设备发送设备注册成功信息，其中，所述设备注册成功信息包括所述标识信息。
  20. 根据权利要求19所述的方法，接收所述物联网设备发送的设备注册请求之后，还包括：
    为所述物联网设备分配密钥对；
    所述向所述物联网设备发送设备注册成功信息，包括：
    根据所述密钥对中的公钥，向所述物联网设备发送设备注册成功信息，以使所述物联网设备在采集到所述第一用户的身份核验信息时，采用所述公钥对所述身份核验信息进行加密；
    所述获取所述第一用户的待验证的身份核验信息，对所述身份核验信息进行验证，包括：
    获取所述第一用户的待验证的身份核验信息密文，采用所述密钥对中的私钥对所述身份核验信息密文进行解密，得到身份核验信息明文，对所述身份核验信息明文进行验证。
  21. 一种支付装置，应用于物联网设备，包括：
    发送模块，其响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；
    接收模块，其接收所述后台服务端返回的所述目标产品的订单的信息；
    支付模块，其根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
  22. 根据权利要求21所述的装置，所述装置还包括：绑定模块；
    所述绑定模块，在所述发送模块向所述目标产品的后台服务端发送购买请求之前， 接收所述物联网设备与所述第一用户的账户进行了绑定的绑定确认信息；以及，
    基于所述绑定确认信息，在所述物联网设备中保存所述第一用户的账户与所述物联网设备的绑定关系。
  23. 根据权利要求22所述的装置，
    所述发送模块，确定所述物联网设备是否与第一用户的账户具有绑定关系；
    若是，则向所述目标产品的后台服务端发送购买请求；
    若否，则发出提示信息，以使所述第一用户将所述物联网设备与所述第一用户的账户进行绑定。
  24. 一种支付装置，应用于支付服务端，包括：
    接收模块，其接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；
    确定模块，其根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；
    第一处理模块，若所述确定模块的确定结果为是，则根据所述订单的信息和所述账户进行支付处理。
  25. 根据权利要求24所述的装置，所述物联网设备与所述第一用户的终端设备绑定了相同的所述账户；所述装置还包括：保存模块；
    所述接收模块，接收物联网设备发送的第一支付请求之前，还接收客户端发送的所述账户的账户信息和所述标识信息；其中，所述客户端为所述终端设备中的所述账户所对应的客户端；
    所述保存模块，将所述账户信息与所述标识信息关联保存，并将保存的信息确定为所述物联网设备与所述账户的绑定记录信息；
    所述确定模块，确定根据所述标识信息是否查询到关联的所述绑定记录信息；若是，则确定所述物联网设备是否与第一用户的账户具有绑定关系。
  26. 一种支付设备，包括：
    处理器；以及，
    被安排成存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：
    响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；
    接收所述后台服务端返回的所述目标产品的订单的信息；
    根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
  27. 一种支付设备，包括：
    处理器；以及，
    被安排成存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所 述处理器：
    接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；
    根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；
    若是，则根据所述订单的信息和所述账户进行支付处理。
  28. 一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：
    响应于在所述物联网设备对目标产品的购买操作，向所述目标产品的后台服务端发送购买请求；
    接收所述后台服务端返回的所述目标产品的订单的信息；
    根据所述订单的信息向支付服务端发送所述订单的第一支付请求，所述第一支付请求包括所述物联网设备的标识信息；以使所述支付服务端在根据所述标识信息确定所述物联网设备与第一用户的账户具有绑定关系时，根据所述订单的信息和所述账户进行支付处理；其中，所述绑定关系表征所述物联网设备被所述第一用户授予了使用所述账户进行支付的权限。
  29. 一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：
    接收物联网设备发送的第一支付请求；其中，所述第一支付请求基于第一用户在所述物联网设备对目标产品的购买操作而发送，所述第一支付请求包括所述目标产品的订单的信息和所述物联网设备的标识信息；
    根据所述标识信息确定所述物联网设备是否与第一用户的账户具有绑定关系；
    若是，则根据所述订单的信息和所述账户进行支付处理。
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CN110619526A (zh) * 2019-09-19 2019-12-27 阿里巴巴集团控股有限公司 基于区块链的业务服务提供方法、装置、设备及系统
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CN113900753B (zh) * 2021-10-09 2023-09-22 国家电网有限公司客户服务中心 一种智能能源信息的管理系统和方法
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