WO2022143471A1

WO2022143471A1 - Payment method and communication apparatus

Info

Publication number: WO2022143471A1
Application number: PCT/CN2021/141288
Authority: WO
Inventors: 郭光明
Original assignee: 华为技术有限公司
Priority date: 2020-12-30
Filing date: 2021-12-24
Publication date: 2022-07-07
Also published as: CN114694327A

Abstract

A payment method and a communication apparatus. The method comprises: a terminal device of a user receives a payment character sequence from an unstructured supplementary service data (USSD) gateway; and the terminal device displays the payment character sequence for scanning by a cashier device, so as to make a payment by means of a payment account of the user. The payment character sequence comprises a first character sequence, the first character sequence comprising a plurality of visible characters for indicating the payment account. Hence, on the basis of said method, a user can carry out a mobile payment merely by presenting the payment character sequence displayed by a terminal device for a cashier device to scan, thus improving the payment convenience of terminal devices.

Description

A payment method and communication device

This application claims the priority of the Chinese patent application with the application number 202011624212.9 and the application title "a payment method and communication device" filed with the China Patent Office on December 30, 2020, the entire contents of which are incorporated into this application by reference .

technical field

The present application relates to the field of communication technologies, and in particular, to a payment method and a communication device.

Background technique

Mobile payment refers to the use of mobile phones and other terminal equipment for electronic currency payment. Mobile payment effectively combines the Internet, terminal equipment and financial institutions to form a new type of payment system, which greatly improves the convenience of user payment. FIG. 1 is a schematic flowchart of an existing mobile payment. As shown in Figure 1, where:

101. The scanning device scans the payment barcode or the payment QR code displayed by the payment application client to obtain payment code information.

The user can click the payment function button on the payment application client. After the user clicks the payment function button, the payment application client can obtain payment code information from the payment application background, and generate a payment barcode and a payment two-dimensional code based on the payment code information. After the payment application client generates the payment barcode and the payment QR code, the payment barcode and the payment QR code are displayed. The user shows the payment barcode and payment QR code displayed on the payment application client to the cashier. After the cashier enters the payment amount on the cashier platform, he can use the scanning device to scan the payment barcode and payment QR code displayed on the payment application client.

102. After the scanning device recognizes the payment code information, it sends the recognized payment code information to the cashier platform.

103. After receiving the payment code information, the cash register platform sends a payment request to the payment application background. The payment request carries the payment code information, the payment amount, and the payment party information.

104. After receiving the payment request, the payment application background performs payment transfer based on the payment code information, the payment amount, and the payment party information in the payment request.

105. After the payment application background completes the payment transfer, the payment result is notified to the cashier platform.

106. After the payment application background completes the payment transfer, the payment application client is notified of the payment result.

Currently, only smart devices (such as smart phones, smart watches, etc.) support the generation of barcodes or QR codes, and some functional devices (such as feature phones) cannot generate barcodes or QR codes. Functional equipment means that the functions and applications of the equipment have been basically determined at the factory, and are preset and installed by the equipment manufacturer, which is difficult to expand. Therefore, at present, users can only use smart devices to scan code for payment, and cannot use functional devices to scan code to pay. However, the current share of smart devices in a considerable number of developing countries is not fully dominant, and there are still a large number of users using functional devices. Therefore, how to improve the payment convenience of functional devices is an urgent problem to be solved at present.

SUMMARY OF THE INVENTION

The present application provides a payment method and a communication device, which are beneficial to improve the convenience of payment of functional equipment.

In a first aspect, the present application provides a payment method, the method comprising: a user's terminal device receiving a payment character sequence from an unstructured supplementary service data USSD gateway; The payment account is used for payment; wherein, the payment character sequence includes a first character sequence, and the first character sequence includes a plurality of visible characters used to indicate the payment account. It can be seen that, based on the method described in the first aspect, the user can perform mobile payment by displaying the payment character sequence displayed by the terminal device to the cashier device for scanning, which improves the payment convenience of the terminal device.

In a possible implementation, before the terminal device receives the payment character sequence from the USSD gateway, the terminal device may also present a USSD menu item, and in response to the selection operation of the USSD menu item, send to the USSD gateway a request for providing the payment character sequence A first request, where the first request includes the first identifier of the user. Based on this possible implementation manner, the terminal device can actively request the payment character sequence from the network side according to the user's needs, and the terminal device can acquire the payment character sequence more flexibly. And the user triggers the terminal device to request the payment character sequence from the network side by selecting the USSD menu item in the USSD menu, which can conveniently trigger the terminal device to request the payment character sequence from the network side.

In a possible implementation, the specific implementation of the terminal device presenting the USSD menu items is as follows: the terminal device receives the first USSD menu data from the USSD gateway; the terminal device displays the USSD menu based on the first USSD menu data, and the USSD menu includes the USSD menu item. In this possible implementation manner, compared with the terminal device displaying the USSD menu based on the local USSD menu data, the terminal device obtains the USSD menu data from the USSD gateway, which is beneficial for the terminal device to obtain the latest USSD menu data in time.

In a possible implementation, before receiving the USSD menu data from the USSD gateway, the terminal device may also send a third request to the USSD gateway in response to a key input operation, where the third request is used to request to provide the first USSD menu data. Based on this possible implementation manner, the terminal device can actively request the first USSD menu data from the USSD gateway according to the needs of the user, and the terminal device can acquire the first USSD menu data more flexibly.

In a possible implementation, the payment character sequence further includes a second character sequence, where the second character sequence includes at least one visible character, and the second character sequence is used to verify the first character sequence. Based on this possible implementation, it is beneficial for the cash register device to determine whether the first character sequence is accurately recognized.

In a possible implementation, before the first character sequence, the payment character sequence further includes a first delimiting character sequence, and the first delimiting character sequence includes at least one visible character. By displaying the first delimiting character sequence before the first character sequence, it is beneficial to improve the speed and accuracy of the cash register device recognizing the first character sequence.

In one possible implementation, after the first delimiting character sequence and before the first character sequence, the payment character sequence further includes a carriage return line feed character. The carriage return and line feed characters are invisible characters. That is, not all characters included in the payout character sequence are visible characters. By adding a carriage return and line feed character after the first delimiting character sequence and before the first character sequence, the first delimiting character sequence and the first character sequence can not be displayed on the same line, which is beneficial to improve the recognition of the first character sequence by the cashier device speed and accuracy.

In a possible implementation, after the first character sequence, the payout character sequence further includes a second delimiting character sequence, and the second delimiting character sequence includes at least one visible character. By displaying the second delimiting character sequence after the first character sequence, it is beneficial to improve the speed and accuracy of the cash register device recognizing the first character sequence.

In one possible implementation, before the second delimiting character sequence and after the first character sequence, the payout character sequence further includes a carriage return line feed character. By adding a carriage return and line feed character before the second delimiting character sequence and after the first character sequence, the second delimiting character sequence and the first character sequence can be displayed on different lines, which is beneficial to improve the recognition of the first character sequence by the cashier device. speed and accuracy.

In a possible implementation, before the first character sequence, the payment character sequence further includes a first delimiting character sequence, and the first delimiting character sequence includes at least one visible character; after the first character sequence, the payment character sequence further includes a first character sequence A sequence of two delimited characters, the second sequence of delimited characters including at least one visible character. By displaying the first delimiting character sequence before the first character sequence and displaying the second delimiting character sequence after the first character sequence, it is beneficial to improve the speed and accuracy of the cash register device recognizing the first character sequence.

In one possible implementation, after the first delimiting character sequence and before the first character sequence, the payment character sequence further includes a carriage return line feed character. And before the second delimiting character sequence, after the first character sequence, the payout character sequence further includes a carriage return line feed character. In this way, the first delimiting character sequence, the second delimiting character sequence and the first character sequence are not displayed on the same line, which is beneficial to improve the speed and accuracy of the cash register device recognizing the first character sequence.

In one possible implementation, the second sequence of delimiting characters is the same as the first sequence of delimiting characters. By making the second delimiting character sequence the same as the first delimiting character sequence, it is beneficial to improve the speed and accuracy of the cash register device recognizing the first character sequence.

In one possible implementation, the visible characters in the payment character sequence are visible ASCII characters. The visible ASCII characters are universal characters, and the compatibility of the scheme can be increased by making the visible characters in the payment character sequence visible ASCII characters.

In one possible implementation, the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange ASCII characters. The characters in the payment character sequence come from the candidate character set preset by the payment platform. When the candidate character set is full of visible ASCII characters, and any two characters are dissimilar, the characters selected from this candidate character set are called high-recognition ASCII characters, and this candidate character set is called a high-recognition candidate character set. This is beneficial to improve the accuracy of the cash register device in recognizing the visible characters in the payment character sequence.

In one possible implementation, the high-recognition candidate character set may also include characters that do not have similar characters selected from among the 94 visible ASCII characters. For example, a high-recognition ASCII character set includes one or more of the following characters: A, D, E, G, H, L, N, Q, R, T, 3, 4, 5, 6, or 7.

In another possible implementation, the high-recognition candidate character set includes characters with similar characters selected from 94 visible ASCII characters, but any two characters in the high-recognition candidate character set are dissimilar to each other.

If the high-recognition candidate character set includes characters with similar characters selected from a set of 94 visible characters, the cash register device can implement an error correction function. For example, it is assumed that the 16 high-recognition characters included in the high-recognition candidate character set are respectively: "0127ACFHJKLPSTUX". If the cash register device recognizes an uppercase "O" or a lowercase "o", it is considered that the recognized character is the number "0". If the cash register device recognizes an uppercase "I", a lowercase "i", a lowercase "l", a vertical line "|", an opening square bracket "[" or a closing square bracket "]", it is considered that the recognized character is Number 1". If the cash register device recognizes an uppercase "Z" or a lowercase "z", it considers the recognized character to be the number "2".

In yet another possible implementation, the high-recognition ASCII character set refers to characters whose correct recognition rate of characters is greater than or equal to a preset threshold.

In a possible implementation, after the terminal device displays the payment character sequence for the cashier device to scan, the terminal device may further perform the following steps: the terminal device receives payment confirmation information sent by the USSD gateway, where the payment confirmation information includes a message for prompting the user to input payment The prompt information of the payment password of the account; the terminal device displays the payment confirmation information; the terminal device receives the payment password of the payment account input by the user; the terminal device sends the payment password of the payment account to the USSD gateway. Based on this possible implementation, the user needs to input the payment password of the payment account on the terminal device to make payment, which is beneficial to improve the security of payment.

In a possible implementation, the payment confirmation information also includes the user's order information. By displaying the order information on the terminal device, it is convenient for the user to confirm whether the paid order is correct.

In a possible implementation, after displaying the payment character sequence for the cashier device to scan, the terminal device can also receive the user's payment result information sent by the USSD gateway, and display the payment result information. Based on this possible implementation, the user can know the payment result in time.

In a second aspect, the present application provides a payment method, which includes: an unstructured supplementary service data USSD gateway receives a payment character sequence sent by a payment platform; the USSD gateway sends the payment character sequence to a user's terminal device; wherein the The payment character sequence includes a first character sequence including a plurality of visible characters for indicating the user's payment account, and the payment character sequence is used for scanning by the cashier device after being displayed by the terminal device to make payment through the payment account .

In a possible implementation, before the USSD gateway receives the payment character sequence sent by the payment platform, the USSD gateway may also receive a first request from the terminal device, where the first request includes the first identifier of the user; the USSD gateway responds to the first request , sending a second request to the payment platform, where the second request is used to request to provide a payment character sequence, the second request carries a second identifier of the user, and the second identifier is determined based on the first identifier.

In a possible implementation, the USSD gateway can also send first USSD menu data to the terminal device; wherein, the first USSD menu data is used for the terminal device to display a USSD menu, the USSD menu includes USSD menu items, and the USSD menu items use to trigger the terminal device to send the first request to the USSD gateway.

In a possible implementation, before sending the USSD menu data to the terminal device, the USSD gateway may further receive a third request sent by the terminal device, where the third request is used to request to provide the first USSD menu data.

In a possible implementation, before sending the first USSD menu data to the terminal device, the USSD gateway may also send a fourth request to the payment platform, where the fourth request is used to request to provide the second USSD menu data; and may also receive payment The second USSD menu data sent by the platform; the specific implementation of the USSD gateway sending the first USSD menu data to the terminal device is as follows: the USSD gateway sends the first USSD menu data to the terminal device based on the second USSD menu data. In this possible implementation manner, the USSD menu data for displaying the USSD menu is generated by the payment platform, so that the payment platform can update the USSD menu data.

In a possible implementation, the payment character sequence further includes a second character sequence, where the second character sequence includes at least one visible character, and the second character sequence is used to verify the first character sequence.

In a possible implementation, before the first character sequence, the payout character sequence further includes a first delimiting character sequence, and the first delimiting character sequence includes at least one visible character.

In one possible implementation, after the first delimiting character sequence and before the first character sequence, the payment character sequence further includes a carriage return line feed character.

In a possible implementation, after the first character sequence, the payout character sequence further includes a second delimiting character sequence, the second delimiting character sequence including at least one visible character.

In one possible implementation, before the second delimiting character sequence and after the first character sequence, the payout character sequence further includes a carriage return line feed character.

In a possible implementation, before the first character sequence, the payment character sequence further includes a first delimiting character sequence, and the first delimiting character sequence includes at least one visible character; after the first character sequence, the payment character sequence further includes a first character sequence A sequence of two delimited characters, the second sequence of delimited characters including at least one visible character.

In one possible implementation, after the first delimiting character sequence and before the first character sequence, the payment character sequence further includes a carriage return line feed character. And before the second delimiting character sequence, after the first character sequence, the payout character sequence further includes a carriage return line feed character.

In one possible implementation, the second sequence of delimiting characters is the same as the first sequence of delimiting characters.

In one possible implementation, the visible characters in the payment character sequence are visible ASCII characters.

In one possible implementation, the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange ASCII characters. For the description of the high-recognition ASCII characters, reference may be made to the description in the first aspect, and details are not repeated here.

In a possible implementation, after the USSD gateway sends the payment character sequence to the user's terminal device, the following steps may also be performed: the USSD gateway receives payment confirmation information sent by the payment platform, where the payment confirmation information includes prompting the user to input a payment account The USSD gateway sends the payment confirmation information to the terminal device; the USSD gateway receives the payment password of the payment account sent by the terminal device; the USSD gateway sends the payment password of the payment account to the payment platform.

In a possible implementation, the payment confirmation information also includes the user's order information.

In a possible implementation, after the USSD gateway sends the payment character sequence to the user's terminal device, it can also receive the user's payment result information sent by the payment platform, and send the payment result information to the terminal device.

For the beneficial effects of the second aspect, reference may be made to the beneficial effects of the first aspect, which will not be repeated here.

In a third aspect, the present application provides a payment method, the method comprising: a payment platform sending a payment character sequence to an unstructured supplementary service data USSD gateway; wherein the payment character sequence includes a first character sequence, the first character sequence A plurality of visible characters are included for indicating the user's payment account, and the sequence of payment characters is used for scanning by the cashier device after being displayed on the user's terminal device to make payment through the payment account.

In a possible implementation, the payment platform may further receive a second request sent by the USSD gateway, where the second request includes the second identification of the user; the payment platform may also generate a payment character sequence for the user in response to the second request, and A corresponding relationship between the identification of the payment account and the first character sequence is established, and the identification of the payment account is obtained based on the second identification of the user.

In a possible implementation, before receiving the second request sent by the USSD gateway, the payment platform may also receive a fourth request sent by the USSD gateway, where the fourth request is used to request to provide the second USSD menu data; The gateway sends the second USSD menu data; wherein, the second USSD menu data is used for the USSD gateway to send the first USSD menu data to the terminal device, and the first USSD menu data is used for the terminal device to display the USSD menu, and the USSD menu includes the USSD menu item, the USSD menu item is used to trigger the terminal device to send a first request to the USSD gateway, where the first request is used to trigger the USSD gateway to send a second request to the payment platform.

In a possible implementation, the first character sequence includes characters determined based on the user's mobile phone number and/or the first time, where the first time is the generation time of the first character sequence. It is beneficial to avoid generating the same first character sequence for different users, thereby improving payment security.

In one possible implementation, the first sequence of characters includes random characters. It is beneficial to avoid the leakage of the first character sequence and improve the security of payment.

In a possible implementation, the binary number sequence corresponding to the second character sequence consists of any binary number corresponding to each character in the first character sequence. Based on the second character sequence generated in this manner, the first character sequence can be accurately checked.

In a possible implementation, after the payment platform sends the payment character sequence to the unstructured supplementary service data USSD gateway, the following steps may also be performed: the payment platform receives a payment request sent by the cash register device, and the payment request carries the order information and the cash register device. The third character sequence obtained by scanning the payment character sequence; the payment platform determines the identifier of the user's payment account based on the third character sequence; the payment platform performs payment based on the order information and the identifier of the user's payment account.

In a possible implementation, before the payment platform performs payment based on the order information and the identifier of the user's payment account, the following steps may be further performed: the payment platform sends payment confirmation information to the USSD gateway, where the payment confirmation information includes prompting the user to input The prompt information of the payment password of the payment account; the payment platform receives the payment password of the payment account sent by the USSD gateway; the payment platform successfully verifies the payment password of the payment account.

In a possible implementation, the payment confirmation information carries order information.

In a possible implementation, the payment platform can also send the user's payment result information to the USSD gateway and the cash register device.

In a fourth aspect, the present application provides a payment method, the method comprising: a cash register device scans a payment character sequence displayed by a user's terminal device, and identifies a first character sequence in the payment character sequence to obtain a third character sequence; The third character sequence requests the payment platform to make payment through the user's payment account; wherein, the first character sequence includes a plurality of visible characters generated by the payment platform and used to indicate the payment account.

In a possible implementation, the payment character sequence further includes a second character sequence, the second character sequence includes at least one visible character, and the second character sequence is used to verify the first character sequence; Before the three-character sequence requests the payment platform to pay through the user's payment account, the cash register device can also identify the second character sequence in the payment character sequence to obtain a fourth character sequence; and can also verify the third character sequence based on the fourth character sequence, And the verification result is passed.

In a possible implementation, in the case that the verification result is unsuccessful, the cash register device may prompt the position of the incorrectly recognized character in the third character sequence. This allows the cashier to manually make quick corrections to misrecognized characters.

In a possible implementation, the specific implementation manner of identifying the first character sequence in the payment character sequence to obtain the third character sequence is as follows: identifying the first character sequence in the payment character sequence to obtain the fifth character sequence; At least one character in is replaced with a preset similar character to obtain a third character sequence. Based on this possible implementation manner, the recognized characters can be rectified, which is beneficial to improve the accuracy of character recognition.

In a possible implementation, the cash register device requests the payment platform to pay through the user's payment account based on the third character sequence. The specific implementation method is: the cash register device sends a payment request to the payment platform, and the payment request carries order information and the third character. sequence.

In a possible implementation, the cash register device may also receive payment result information of the user sent by the payment platform, and display the payment result information.

In a fifth aspect, the present application provides a communication apparatus, and the apparatus may be a terminal device, a device in a terminal device, or a device that can be matched and used with the terminal device. Wherein, the communication device may also be a chip system. The communication device may perform the method described in the first aspect. The functions of the communication device may be implemented by hardware, or by executing corresponding software by hardware. The hardware or software includes one or more units corresponding to the above-mentioned functions. The unit may be software and/or hardware. For operations and beneficial effects performed by the communication device, reference may be made to the method and beneficial effects described in the first aspect above, and repeated details will not be repeated.

In a sixth aspect, the present application provides a communication device, and the device may be a USSD gateway, a device in a USSD gateway, or a device that can be matched and used with the USSD gateway. Wherein, the communication device may also be a chip system. The communication device can perform the method of the second aspect. The functions of the communication device may be implemented by hardware, or by executing corresponding software by hardware. The hardware or software includes one or more units corresponding to the above-mentioned functions. The unit may be software and/or hardware. For operations and beneficial effects performed by the communication device, reference may be made to the method and beneficial effects described in the second aspect above, and repeated details will not be repeated.

In a seventh aspect, the present application provides a communication device, which can be a payment platform, a device in a payment platform, or a device that can be matched and used with the payment platform. Wherein, the communication device may also be a chip system. The communication device may perform the method described in the third aspect. The functions of the communication device may be implemented by hardware, or by executing corresponding software by hardware. The hardware or software includes one or more units corresponding to the above-mentioned functions. The unit may be software and/or hardware. For operations and beneficial effects performed by the communication device, reference may be made to the method and beneficial effects described in the third aspect above, and repeated details will not be repeated.

In an eighth aspect, the present application provides a communication device, which may be a cash register device, a device in a cash register device, or a device that can be matched with a cash register device. Wherein, the communication device may also be a chip system. The communication device may perform the method described in the fourth aspect. The functions of the communication device may be implemented by hardware, or by executing corresponding software by hardware. The hardware or software includes one or more units corresponding to the above-mentioned functions. The unit may be software and/or hardware. For operations and beneficial effects performed by the communication device, reference may be made to the method and beneficial effects described in the fourth aspect above, and repeated descriptions will not be repeated.

In a ninth aspect, the present application provides a communication device, the communication device includes a processor, when the processor calls a computer program in a memory, the method according to any one of the first to fourth aspects be executed.

In a tenth aspect, the present application provides a communication device, the communication device includes a processor and a memory, the memory is used for storing computer-executed instructions; the processor is used for executing the computer-executed instructions stored in the memory, to The communication device is caused to execute the method according to any one of the first to fourth aspects.

In an eleventh aspect, the present application provides a communication device, the communication device includes a processor, a memory and a transceiver, the transceiver is used for receiving a signal or sending a signal; the memory is used for storing a program code; The processor is configured to call the program code from the memory to execute the method according to any one of the first aspect to the fourth aspect.

In a twelfth aspect, the present application provides a communication device, the communication device includes a processor and an interface circuit, the interface circuit is configured to receive code instructions and transmit them to the processor; the processor runs the The code instructions are used to execute the method according to any one of the first aspect to the fourth aspect.

In a thirteenth aspect, an embodiment of the present application provides a payment system, where the payment system includes the communication devices provided in the fifth to eighth aspects.

In a fourteenth aspect, the present application provides a computer-readable storage medium, where the computer-readable storage medium is used to store instructions, and when the instructions are executed, the instructions are as described in any one of the first to fourth aspects. The described method is implemented.

In a fifteenth aspect, the embodiments of the present application provide a computer program or computer program product, including codes or instructions, when the codes or instructions are run on a computer, the computer can execute any one of the first to fourth aspects. The described method is implemented.

Description of drawings

Fig. 1 is the schematic flow chart of a kind of existing mobile payment;

2 is a schematic diagram of a system architecture provided by an embodiment of the present application;

3 is a schematic diagram of another system architecture provided by an embodiment of the present application;

4 is a schematic flowchart of a payment method provided by an embodiment of the present application;

5 is a schematic diagram of a display interface of a terminal device provided by an embodiment of the present application;

6 is a schematic flowchart of another payment method provided by an embodiment of the present application;

7 is a schematic diagram of a display interface of another terminal device provided by an embodiment of the present application;

8 is a schematic diagram of a display interface of a cash register device provided by an embodiment of the present application;

9 is a schematic diagram of another terminal device display interface provided by an embodiment of the present application;

10 is a schematic diagram of another terminal device display interface provided by an embodiment of the present application;

FIG. 11 is a schematic diagram of another display interface of a terminal device provided by an embodiment of the present application;

FIG. 12 is a schematic diagram of another terminal device display interface provided by an embodiment of the present application;

13 is a schematic diagram of another terminal device display interface provided by an embodiment of the present application;

14 is a schematic diagram of another terminal device display interface provided by an embodiment of the present application;

FIG. 15 is a schematic diagram of another terminal device display interface provided by an embodiment of the present application;

16 is a schematic flowchart of another payment method provided by an embodiment of the present application;

17 is a schematic diagram of another display interface of a terminal device provided by an embodiment of the present application;

18 is a schematic flowchart of another payment method provided by an embodiment of the present application;

19 is a schematic flowchart of another payment method provided by an embodiment of the present application;

20 is a schematic flowchart of another payment method provided by an embodiment of the present application;

21 is a schematic diagram of another terminal device display interface provided by an embodiment of the present application;

FIG. 22 is a schematic structural diagram of a communication device provided by an embodiment of the present application;

FIG. 23 is a schematic structural diagram of another communication apparatus provided by an embodiment of the present application.

Detailed ways

The specific embodiments of the present application will be further described in detail below with reference to the accompanying drawings.

The terms "first" and "second" in the description, claims and drawings of the present application are used to distinguish different objects, rather than to describe a specific order. Furthermore, the terms "comprising" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes unlisted steps or units, or optionally also includes For other steps or units inherent to these processes, methods, products or devices.

Reference herein to an "embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the present application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor a separate or alternative embodiment that is mutually exclusive of other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

In this application, "at least one (item)" means one or more, "plurality" means two or more, "at least two (item)" means two or three and three In the above, "and/or" is used to describe the corresponding relationship between associated objects, indicating that there can be three kinds of relationships, for example, "A and/or B" can mean: only A exists, only B exists, and both A and B exist three A case where A and B can be singular or plural. The character "/" generally indicates that the associated objects are an "or" relationship. "At least one item(s) below" or similar expressions thereof refer to any combination of these items, including any combination of single item(s) or plural items(s). For example, at least one (a) of a, b or c, can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c" ", where a, b, c can be single or multiple.

In order to improve the payment convenience of the feature phone, the embodiment of this application provides a payment method and a communication device. In order to better understand the solution provided by this application, the following is an introduction to the technical terms involved in this application:

①Optical Character Recognition (OCR): Optical character recognition is to recognize characters in images or scans into editable text, which can replace manual text entry and improve business efficiency.

②Unstructured supplementary service data (USSD): USSD is a new type of interactive data service based on the global system for mobile communications (GSM) network. When the user uses the mobile phone keyboard to input some numbers or symbols (such as *, #, etc.) that have been pre-established by the network, and then presses the dial key, an instruction can be sent to the network, and the network selects the service required by the user and provides it to the user according to the instruction.

③Short message peer to peer protocol (SMPP): Short message peer to peer protocol (SMPP) is a protocol for message transmission between wireless data applications (short message applications) and wireless networks (mobile communication). It is also one of the standard protocols for the external access interface of the short message service center system. That is, SMPP is a protocol for sending and receiving short messages, and the USSD gateway uses SMPP to communicate with terminal devices.

④ American Standard Code for Information Interchange (ASCII): It is a computer coding system based on the Latin alphabet, mainly used to display modern English and other Western European languages. It is the most common information exchange standard and is equivalent to the international standard ISO/IEC 646. ASCII was first published as a canonical standard type in 1967, last updated in 1986, and has so far defined a total of 128 characters.

The following describes the system architecture of the embodiments of the present application:

Please refer to FIG. 2, which is a schematic diagram of a system architecture provided by an embodiment of the present application. As shown in Figure 2, the system architecture includes payment platform, terminal equipment, USSD gateway and cash register equipment.

Payment platform: The payment platform is the background or server of the payment application. The payment platform can generate the payment character sequence for the user, and send the payment character sequence to the terminal device for display through the USSD gateway. The payment platform can also receive a payment request sent by the cashier device after scanning the payment character sequence, and make payment through the user's payment account based on the payment request.

Terminal device: The terminal device in this embodiment of the present application is a functional device (eg, a feature phone). Functional devices refer to devices whose functions and applications are basically determined at the factory and are pre-installed by mobile phone manufacturers, making it difficult to expand. Functional devices can be understood as terminal devices other than smartphones. The terminal device in the embodiment of the present application can receive the payment character sequence sent by the payment platform through the USSD gateway, and display the payment character sequence to the cashier device to scan, so as to complete the payment through the user's payment account.

USSD Gateway: The USSD Gateway is deployed between the terminal device and the payment platform. The USSD gateway interacts with the terminal device through the USSD protocol, so that the terminal device can interact with the payment platform related to payment. The USSD gateway can receive the specific digital instruction or specific character instruction sent by the terminal device, convert the specific digital instruction or specific character instruction into a message that can be recognized by the payment platform, and send it to the payment platform to request corresponding services from the payment platform. After receiving the response message returned by the payment platform, the USSD gateway converts the response message into an SMPP message that the terminal device can recognize, and sends the SMPP message to the terminal device, so that the terminal device can display the information in the SMPP message. For example, the user uses the mobile phone keyboard to input some numbers or symbols that have been pre-established by the network, such as *188#, etc., and then presses the dial key of the mobile phone to send an instruction to the USSD gateway. The USSD gateway converts the instruction into an HTTP message that the payment platform can recognize to request the payment platform's services. After receiving the HTTP message returned by the payment platform, the USSD gateway converts the HTTP message into an SMPP message and sends it to the terminal device, so that the terminal device can display the information in the SMPP message.

Cash register device: The cash register device is used to scan the payment character sequence displayed by the terminal device and identify the first character sequence in the payment character sequence, where the first character sequence includes a plurality of visible characters used to indicate the user's payment account. The cash register device may request payment through the user's payment account from the payment platform based on the recognized character sequence. That is, the cash register device has a scanning function, a character recognition function, and the function of requesting payment from the payment platform.

The cash register device can be a device that integrates the above three functions. For example, a checkout device may be a smartphone that includes a camera, a processor, and a transceiver. The payment character sequence displayed by the terminal device can be scanned by the camera of the smart phone, and the first character sequence in the payment character sequence can be recognized by the processor, and the transceiver can request the payment platform to pass the user's payment account based on the recognized character sequence. make a payment.

Alternatively, a checkout device may consist of multiple devices. For example, as shown in FIG. 3, the cash register device may include a scanning device, a character recognition device and a cash register platform. A wired or wireless connection can be used between the scanning device and the cashier platform, and a wired or wireless connection between the character recognition device and the cashier platform. Figure 3 takes the wired connection between the scanning device and the cash register platform, and the wired connection between the character recognition device and the cash register platform as an example. The scanning device is used for scanning the payment character sequence displayed by the terminal device to obtain an image including the payment character sequence. The character recognition device is used for recognizing the first character sequence from the image including the payment character sequence, and sending the character sequence obtained by recognizing the first character sequence to the cash register platform. The cash register platform is used for requesting payment through the user's payment account from the payment platform based on the received character sequence.

Alternatively, the scanning function and the character recognition function can be integrated in one device, and the function of requesting payment from the payment platform can be implemented separately by another device. Alternatively, the scanning function and the function of requesting payment from the payment platform can be integrated in one device, and the character recognition function can be implemented separately by another device. Alternatively, the character recognition function and the function of requesting payment from the payment platform can be integrated in one device, and the scanning function can be implemented separately by another device.

The payment method and the communication device provided by the embodiments of the present application are further described in detail below:

Please refer to FIG. 4 , which is a schematic flowchart of a payment method provided by an embodiment of the present application. As shown in FIG. 4 , the payment method includes the following steps 401 to 405 . in:

401. The payment platform sends a payment character sequence to the USSD gateway.

In the embodiment of the present application, after generating the payment character sequence, the payment platform sends the payment character sequence to the USSD gateway. Wherein, the payment character sequence includes a first character sequence, and the first character sequence includes a plurality of visible characters used to indicate the user's payment account.

The three generation methods of the first character sequence are described below:

①All random way. That is, the characters included in the first character sequence are random characters. The random character refers to a character randomly selected by the payment platform from the preset candidate character set. Or, the random character is a character corresponding to the random decimal number determined based on the correspondence between the decimal number and the characters in the candidate character set after the random decimal number is generated by the payment platform. Wherein, the candidate character set includes multiple visible characters. Generating the first character sequence in a completely random manner is beneficial to avoid leakage of the first character sequence, and improves the security of payment.

For example, it is assumed that the preset candidate character set includes 16 visible characters. The 16 visible characters in the candidate character set are: "0127ACFHJKLPSTUX". The first character sequence includes 8 visible characters. The payment platform randomly selects one character from the candidate character set at a time, and conducts a total of 8 random selections, and the 8 randomly selected characters form the first character sequence. For example, the first character sequence consisting of 8 randomly selected characters is: "02STAHH0".

For another example, it is assumed that the correspondence between the decimal numbers and the characters in the candidate character set can be as shown in Table 1. The first character sequence includes 8 visible characters. The payment platform randomly generates 8 decimal numbers between [0, 15], and the 8 decimal numbers randomly generated by the payment platform are "1, 3, 4, 5, 8, 7, 3, 9" respectively. Based on the correspondence shown in Table 1, the payment platform determines that the characters corresponding to these 8 decimal numbers are: "1, 7, A, C, J, H, 7, K". Therefore, the payment platform determines that the first character sequence is: "17ACJH7K". It should be understood that the correspondence between the characters and the decimal numbers shown in Table 1 is only an example, and there may be other mapping relationships between the two, which are not listed here.

Table 1

字符character	十进制数Decimal
00	00
11	11
22	22
77	33
AA	44
CC	55
FF	66
HH	77
JJ	88
KK	99
LL	1010
PP	1111
SS	1212
TT	1313
UU	1414
XX	1515

②There is no random method. Optionally, the payment platform may generate the first character sequence based on the user's mobile phone number and/or the first time. That is, the characters included in the first character sequence are characters determined based on the user's mobile phone number and/or the first time. The first time is the generation time of the first character sequence. The first time may be a date and/or time. For example, the payment platform generates the first character sequence at 12:00 on November 10, 2020. Then the first time can be November 10, 2020, or November 10, or 12:00, or November 10, 2020 12:00.

The specific implementation manner in which the payment platform generates the first character sequence based on the user's mobile phone number and/or the first time may be as follows: the payment platform determines the decimal number sequence based on the user's mobile phone number and/or the first time, and determines the decimal number sequence based on the user's mobile phone number and/or the first time, and determines the decimal number sequence based on the combination of the decimal number and the character. The corresponding relationship between the decimal numbers is mapped to the character sequence, and the character sequence obtained by the mapping is determined as the first character sequence. The first character sequence is generated based on the user's mobile phone number and/or the first character sequence generated at the first time, which is beneficial to avoid generating the same first character sequence for different users and improves payment security.

For example, assume that the correspondence between characters and decimal numbers is as shown in Table 1 above. The user's mobile phone number is: "13812345678". The generation time of the first character sequence is November 10th. The decimal number sequence obtained by the payment platform based on the user's mobile phone number and the generation time of the first character sequence is "1, 3, 8, 1, 2, 3, 4, 5, 6, 7, 8, 11, 10". Based on the correspondence shown in Table 1, the payment platform determines that the characters corresponding to these 13 decimal numbers are: "1, 7, J, 1, 2, 7, A, C, F, H, J, P, L" . Therefore, the payment platform determines that the first character sequence is: "17J127ACFHJPL".

③ Partially random way. That is, some of the characters included in the first character sequence are random characters, and other characters are not random characters. For example, the first sequence of characters includes random characters and characters determined based on the user's mobile phone number and/or the first time. Generating the first character sequence in a partially random manner is beneficial to avoid leakage of the first character sequence, and is beneficial to avoid generating the same first character sequence for different users, thereby improving payment security.

For example, assume that the correspondence between characters and decimal numbers is as shown in Table 1 above. The user's mobile phone number is: "13812345678". The generation time of the first character sequence is November 10th. The decimal number sequence obtained by the payment platform based on the user's mobile phone number and the generation time of the first character sequence is "1, 3, 8, 1, 2, 3, 4, 5, 6, 7, 8, 11, 10". Based on the correspondence shown in Table 1, the payment platform determines that the characters corresponding to these 13 decimal numbers are: "1, 7, J, 1, 2, 7, A, C, F, H, J, P, L" . The payment platform then randomly selects 3 characters from the candidate character set. For example, the randomly chosen character is "TXU". The first character sequence generated by the payment platform may be: "17J127ACFHJPLTXU". Wherein, the random characters may precede the non-random characters, or may follow the non-random characters. The random character can also be a character corresponding to the random decimal number determined based on the correspondence between the random decimal number and the characters in the candidate character set after the random decimal number is generated by the payment platform. For the acquisition method of random characters, please refer to the foregoing description, and will not be repeated here.

In this embodiment of the present application, the payment platform can establish a correspondence between the first character sequence and the identifier of the user's payment account, so that the user's payment account can be indicated by the first character sequence. The identifier of the user's payment account may be the user's mobile phone number, or the account number of the user's payment account, or the user's ID card information, or the user's instant messaging application account, or the user's mailbox number, etc.

For example, the correspondence between the first character sequence established by the payment platform and the identifier of the user's payment account may be as shown in Table 2 below. Wherein, the first character sequence 1 "0127STUX" corresponds to the identification "15232204938" of the payment account. The first character sequence 2 "1227STUA" corresponds to the identification "15002200938" of the payment account. The first character sequence 3 "2227STUC" corresponds to the identification "13032200933" of the payment account.

Table 2

第一字符序列first character sequence	支付账户的标识Identification of the payment account
0127STUX0127STUX	1523220493815232204938
1227STUA1227STUA	1500220093815002200938
2227STUC2227STUC	1303220093313032200933

In a possible implementation, the payment platform stores the correspondence between characters and decimal numbers, and the specific implementation method for the payment platform to establish the correspondence between the first character sequence and the identifier of the user's payment account may be: the payment platform A correspondence relationship between the decimal number sequence corresponding to the first character sequence and the identifier of the user's payment account is established. Since there is a corresponding relationship between the first character sequence and the decimal number sequence, there is a corresponding relationship between the decimal number sequence and the identifier of the user's payment account. Therefore, it can be considered that establishing the correspondence between the decimal number sequence corresponding to the first character sequence and the identifier of the user's payment account is equivalent to establishing the correspondence between the first character sequence and the identifier of the user's payment account.

For example, suppose the correspondence between characters and decimal numbers is shown in Table 1. The decimal number sequence 1 corresponding to the first character sequence 1 "0127STUX" is "0, 1, 2, 3, 12, 13, 14, 15". The decimal number sequence 2 corresponding to the first character sequence 2 "1227STUA" is "1, 2, 2, 3, 12, 13, 14, 4". The decimal number sequence 3 corresponding to the first character sequence 3 "2227STUC" is "2, 2, 2, 3, 12, 13, 14, 5".

As shown in Table 3 below, the payment platform establishes the relationship between the first character sequence 1 and the identification "15232204938" of the payment account of user 1 by establishing the correspondence between the decimal number sequence 1 and the identification "15232204938" of the payment account of user 1. Correspondence between. The payment platform establishes the correspondence between the first character sequence 2 and the identifier "15002200938" of the user 2's payment account through the correspondence between the decimal number sequence 2 and the identifier "15002200938" of the user 2's payment account. The payment platform establishes a corresponding relationship between the first character sequence 3 and the identification "13032200933" of the payment account of user 3 by establishing the corresponding relationship between the decimal number sequence 3 and the identification "13032200933" of the payment account of user 3.

After the payment platform receives the third character sequence obtained by scanning the payment character sequence sent by the cash register device, the payment platform determines the decimal number sequence corresponding to the third character sequence based on the correspondence between the characters and the decimal numbers. The payment platform can determine the user's payment account based on the correspondence between the pre-stored decimal number sequence and the identification of the payment account and the decimal number sequence corresponding to the third character sequence. For example, the payment platform receives a payment request sent by the cash register device, and the payment request carries the third character sequence "0127STUX". Based on the correspondence between characters and decimal numbers shown in Table 1, the payment platform determines that the decimal number sequence corresponding to the third character sequence "0127STUX" is "0, 1, 2, 3, 12, 13, 14, 15". Based on the corresponding relationship shown in Table 3 below, the payment platform determines that the sequence of decimal numbers "0, 1, 2, 3, 12, 13, 14, 15" corresponds to the identification "15232204938" of the payment account. The payment platform makes payment through the payment account identified by "15232204938".

table 3

十进制数序列sequence of decimal numbers	支付账户的标识Identification of the payment account
0，1，2，3，12，13，14，150, 1, 2, 3, 12, 13, 14, 15	1523220493815232204938
1，2，2，3，12，13，14，41, 2, 2, 3, 12, 13, 14, 4	1500220093815002200938
2，2，2，3，12，13，14，52, 2, 2, 3, 12, 13, 14, 5	1303220093313032200933

402. The USSD gateway sends the payment character sequence to the terminal device of the user.

In the embodiment of the present application, after receiving the payment character sequence sent by the payment platform, the USSD gateway sends the payment character sequence to the user's terminal device.

In a possible implementation, the payment platform sends the payment character sequence to the USSD gateway through an HTTP message, that is, the payment platform carries the payment character sequence in an HTTP message and sends it to the USSD gateway. After receiving the HTTP message, the USSD gateway converts the HTTP message into an SMPP message, and sends the payment character sequence to the user's terminal device through the SMPP message, that is, the USSD gateway carries the payment character sequence in the SMPP message and sends it to the terminal device.

403. The terminal device displays the payment character sequence for the cashier device to scan.

In this embodiment of the present application, after receiving the payment character sequence, the terminal device displays the payment character sequence for the cashier device to scan.

For example, assume that the first character sequence in the payout character sequence is "0127STUX". The payment character sequence displayed by the terminal device may be as shown in FIG. 5 . Optionally, as shown in FIG. 5 , the terminal device may also display prompt information for prompting the user to present the payment character sequence to the merchant.

404. The cash register device scans the payment character sequence displayed by the user's terminal device, and identifies the first character sequence in the payment character sequence to obtain the third character sequence.

In the embodiment of the present application, the cash register device scans the payment character sequence displayed by the user's terminal device to obtain an image including the payment character sequence, and the cash register device recognizes the first character sequence in the image to obtain the third character sequence. If the cash register device correctly recognizes the first character sequence, the third character sequence is the same as the first character sequence. If the first character sequence is inaccurately recognized by the cash register device, the third character sequence is different from the first character sequence.

In a possible implementation manner, the specific implementation of the cash register device identifying the first character sequence in the payment character sequence to obtain the third character sequence is as follows: identifying the first character sequence in the payment character sequence to obtain the fifth character sequence; At least one character in the five-character sequence is replaced with a preset similar character to obtain a third character sequence. Based on this possible implementation manner, the recognized characters can be rectified, which is beneficial to improve the accuracy of character recognition.

For example, suppose the first character sequence is: "02STLSHTA7S2". The cash register device recognizes the first character sequence and obtains the fifth character sequence: "02STLSHTA7SZ". The characters in the candidate character set are shown in Table 1 above. Since the capital letter "Z" does not exist in the candidate character set, and the number "2" similar to the capital letter "Z" exists in the candidate character set. Therefore, the cash register device replaces the last character "Z" in the fifth character sequence with the number "2", and the third character sequence is obtained as "02STLSHTA7S2".

405. The cash register device requests the payment platform to make payment through the user's payment account based on the third character sequence.

In the embodiment of the present application, after the cash register device recognizes the first character sequence in the payment character sequence and obtains the third character sequence, it requests the payment platform to make payment through the user's payment account based on the third character sequence.

In a possible implementation, the cash register device requests the payment platform to pay through the user's payment account based on the third character sequence. The specific implementation method is: the cash register device sends a payment request to the payment platform, and the payment request carries the third character sequence and the order. information. After receiving the payment request, the payment platform determines the identifier of the user's payment account based on the third character sequence; the payment platform performs payment based on the order information and the user's payment account. The order information may include the identification of the payee's payment account and the order amount. The order information may also include the payee name, order number, transaction time or transaction description, etc.

For example, the payment platform sends the payment character sequence to the terminal device through the USSD gateway. The first character sequence in the payout character sequence is "0127STUX". After receiving the payment character sequence, the terminal device displays the payment character sequence. The payment character sequence displayed by the terminal device is shown in Figure 5. The cash register device scans the payment character sequence, and the third character sequence obtained by identifying the first character sequence is "0127STUX". The cash register device sends a payment request to the payment platform, and the payment request carries the third character sequence "0127STUX", the identifier of the payee's payment account and the order amount of 10 yuan. After receiving the payment request, the payment platform determines the identifier of the user's payment account as "15232204938" based on the corresponding relationship in Table 2 and the third character sequence. The payment platform transfers 10 yuan from the payment account identified as "15232204938" to the payee's payment account.

In this embodiment of the present application, the payment character sequence may only include the first character sequence, and in this case, the payment character sequence is equal to the first character sequence. Alternatively, the payout character sequence may include other character sequences in addition to the first character sequence. The following describes the case where the payment character sequence may include other character sequences in addition to the first character sequence:

① The payment character sequence further includes a second character sequence, the second character sequence includes at least one visible character, and the second character sequence is used to verify the first character sequence.

Please refer to FIG. 6, which is a schematic flowchart of another payment method provided by an embodiment of the present application. As shown in FIG. 6 , the payment method includes steps 601 to 607 . The specific implementation manners of steps 601 to 604 and step 607 are the same as the specific implementation manners of the above-mentioned steps 401 to 405, and are repeated here. Wherein: 605, the cash register device recognizes the second character sequence in the payment character sequence to obtain a fourth character sequence. 606. The cash register device checks the third character sequence based on the fourth character sequence. In the case that the verification result is passed, step 607 is executed, that is, the cash register device requests the payment platform to make payment through the user's payment account based on the third character sequence. By performing steps 605 and 606, the cash register device can determine whether the identification of the first character sequence is accurate.

In a possible implementation, in the case that the verification result is unsuccessful, the cash register device prompts the position of the incorrectly recognized character in the third character sequence. This allows the cashier to manually make quick corrections to misrecognized characters. Alternatively, in the case that the verification of the third character sequence fails, the cash register device may only prompt that the verification of the third character sequence fails, and does not prompt the position of the incorrectly identified character in the third character sequence. The cashier can rescan the payment character sequence through the cash register device.

Wherein, the second character sequence is obtained based on the first character sequence. Optionally, the binary number sequence corresponding to the second character sequence is composed of any binary number corresponding to each character in the first character sequence. The binary number sequence corresponding to the second character sequence refers to a sequence composed of binary numbers of characters in the second character sequence. For example, the binary number sequence corresponding to the second character sequence consists of the first binary number corresponding to each character in the first character sequence. Or, the binary number sequence corresponding to the second character sequence consists of the second binary number corresponding to each character in the first character sequence. Or, the binary number sequence corresponding to the second character sequence consists of the third binary number corresponding to each character in the first character sequence. Or, the binary number sequence corresponding to the second character sequence consists of the last binary number corresponding to each character in the first character sequence.

For example, the payment platform and the cash register store the correspondence between characters and binary numbers, and the correspondence is shown in Table 4 below. Suppose the first character sequence generated by the payment platform is "1227STUA". Based on the correspondence shown in Table 4, the binary numbers of each character of the first character sequence are shown in the second row of Table 5 below. As shown in the third row of Table 5 below, the binary sequence composed of the last digit of each character of the first character sequence is "1001 0100", that is, the binary sequence corresponding to the second character sequence is "1001 0100". Therefore, the second character sequence is "KA".

Table 4

字符character	二进制数binary number
00	00000000
11	00010001
22	00100010
77	00110011
AA	01000100
CC	01010101
FF	01100110
HH	01110111
JJ	10001000
KK	10011001
LL	10101010
PP	10111011
SS	11001100
TT	11011101
UU	11101110
XX	11111111

table 5

After the payment platform generates the payment character sequence, it sends the payment character sequence to the terminal device through the USSD gateway. After receiving the payment character sequence, the terminal device displays the payment character sequence. For example, the payment character sequence displayed by the terminal device is shown in Figure 7. The second sequence of characters in the sequence of payout characters may precede the first sequence of characters, or the second sequence of characters in the sequence of payout characters may precede the first sequence of characters. FIG. 7 takes as an example that the second character sequence follows the first character sequence. The cash register device scans the payment character sequence displayed by the terminal device, identifies the first character sequence "1227STUA" and obtains the third character sequence as "L227STUA", and identifies the fourth character sequence obtained from the second character sequence as "KA". The cash register device verifies the third character sequence based on the fourth character sequence. As shown in the third row of Table 6 below, the binary number sequence formed by the last binary group of each character of the third character sequence is "0001 0100". The cash register device maps the binary number sequence "0001 0100" to the sixth character sequence "1A". And the fourth character sequence is "KA". Since the sixth character sequence and the fourth character sequence are different, the cash register device determines that the verification of the third character sequence fails. Since the last binary digit of the first character in the third character sequence is different from the first binary digit of the fourth character sequence, the cash register device determines that the first character in the third character sequence is incorrectly recognized. The cash register device may output prompt information indicating that the first character in the third character sequence is incorrectly recognized. The prompt information can also prompt to modify the first character in the third character sequence. For example, the prompt information output by the cash register device may be as shown in FIG. 8 . The cashier can manually enter the misidentified characters through the keyboard. Alternatively, the cashier can also rescan the payment character sequence displayed by the terminal device through the cash register device.

Table 6

In a possible implementation, the correspondence between characters and binary numbers and/or the correspondence between characters and decimal numbers in the cash register device may be preset in the cash register device before leaving the factory. Alternatively, the cash register device may update the stored correspondence between characters and binary numbers and/or the correspondence between characters and decimal numbers through software upgrade. Alternatively, the payment platform may push a new correspondence between characters and binary numbers and/or a new correspondence between characters and decimal numbers to the cash register device.

In a possible implementation, after the payment platform generates the first character sequence and the second character sequence, the corresponding relationship between the first character sequence and the second character sequence and the identifier of the user's payment account can also be established, so that the The user's payment account is indicated by the first character sequence and the second character sequence. After identifying the first character sequence to obtain the third character sequence, and identifying the second character sequence to obtain the fourth character sequence, the cash register device requests the payment platform to pay through the user's payment account based on the third character sequence and the fourth character sequence.

For example, the payment platform generates the first character sequence as "1227STUA" and the second character sequence as "KA". The payment platform establishes a correspondence between "1227STUAKA" and the identifier "15232204938" of the payment account of user 1. The payment platform sends the payment character sequence to the terminal device for display through the USSD gateway. For example, the payment character sequence displayed by the terminal device is shown in Figure 7. The cash register device scans the payment character sequence displayed by the terminal device, recognizes the first character sequence and obtains the third character sequence as "1227STUA", and recognizes the second character sequence and obtains the fourth character sequence as "KA". The cash register device verifies the third character sequence based on the fourth character sequence. After the cash register device determines that the verification of the third character sequence is passed, the cash register device sends a payment request to the payment platform, and the payment request carries the third character sequence "1227STUA" and the fourth character sequence "KA". Based on the pre-stored correspondence, the payment platform determines that "1227STUAKA" corresponds to the identifier "15232204938" of the payment account of user 1. The payment platform makes payment through the payment account identified by "15232204938".

②Before the first character sequence, the payment character sequence further includes a first delimiting character sequence, and the first delimiting character sequence includes at least one visible character. By displaying the first delimiting character sequence before the first character sequence, it is beneficial to improve the speed and accuracy of the cash register device recognizing the first character sequence.

The characters in the first delimiting character sequence may be visible symbols such as "-", "-", "=", "+", "*", "#", etc. For example, as shown in FIG. 9 , the payment character sequence includes the first delimiting character sequence+the first character sequence+the second character sequence. Wherein, the first delimiting character sequence is "**", the first character sequence is "1227STUA", and the second character sequence is "KA". The first delimiting character sequence is used by the cash register device to determine the position of the first character sequence. After the cash register device recognizes "**", it can determine that the character sequence after "**" includes the first character sequence. The characters in the first delimiting character sequence may be the same or different. FIG. 9 takes as an example that the characters in the first delimiting character sequence are the same.

In one possible implementation, after the first delimiting character sequence and before the first character sequence, the payment character sequence further includes a carriage return line feed character. The carriage return and line feed characters are invisible characters. That is, not all characters included in the payout character sequence are visible characters. By adding a carriage return line feed character after the first character sequence and before the first character sequence, the first character sequence and the first character sequence can be displayed on different lines, which is beneficial to improve the recognition of the first character sequence by the cashier device. speed and accuracy.

For example, as shown in FIG. 10 , the payment character sequence includes a first delimitation character sequence + a carriage return line feed character + a first character sequence + a second character sequence. The first delimiting character sequence is "**********", the first character sequence is "1227STUA", and the second character sequence is "KA".

③ After the first character sequence, the payment character sequence further includes a second delimiting character sequence, and the second delimiting character sequence includes at least one visible character. By displaying the second delimiting character sequence after the first character sequence, it is beneficial to improve the speed and accuracy of the cash register device recognizing the first character sequence.

Wherein, the characters in the second delimiting character sequence may be symbols such as "-", "-", "=", "+", "*", "#", etc. For example, as shown in FIG. 11 , the payment character sequence includes the first character sequence + the second character sequence + the second delimiting character sequence. The first character sequence is "1227STUA", the second character sequence is "KA", and the second delimiting character sequence is "**". The second delimiting character sequence is used by the cash register device to determine the location of the first character sequence. After the cash register device recognizes "**", it can determine that the character sequence before "**" includes the first character sequence. The characters in the second delimiting character sequence may be the same or different. FIG. 11 takes as an example that the characters in the second delimiting character sequence are the same.

In one possible implementation, before the second delimiting character sequence and after the first character sequence, the payout character sequence further includes a carriage return line feed character. By adding a carriage return line feed character before the second delimiting character sequence and after the first character sequence, the second delimiting character sequence and the first character sequence can be displayed on different lines, which is beneficial to improve the recognition of the first character sequence by the cashier device speed and accuracy.

For example, as shown in FIG. 12 , the payment character sequence includes the first character sequence + the second character sequence + the carriage return and line feed character + the second delimitation character sequence. The first character sequence is "1227STUA", the second character sequence is "KA", and the second delimiting character sequence is "**********".

④ Before the first character sequence, the payment character sequence further includes a first delimiting character sequence, and the first delimiting character sequence includes at least one visible character; after the first character sequence, the payment character sequence also includes a second delimiting character sequence, the second The delimiting character sequence includes at least one visible character. By displaying the first delimiting character sequence before the first character sequence and displaying the second delimiting character sequence after the first character sequence, it is beneficial to improve the speed and accuracy of the cash register device recognizing the first character sequence.

For example, as shown in FIG. 13 , the payment character sequence includes the first delimiting character sequence+the first character sequence+the second character sequence+the second delimiting character sequence. Wherein, the second delimiting character sequence is "**", the first character sequence is "1227STUA", the second character sequence is "KA", and the second delimiting character sequence is "**".

For example, as shown in FIG. 14 , the payment character sequence includes the first delimitation character sequence+carriage return line feed character+first character sequence+second character sequence+carriage return linefeed character+second demarcation character sequence. Among them, the first delimiting character sequence is "**********", the first character sequence is "1227STUA", the second character sequence is "KA", and the second delimiting character sequence is "**** ******”.

In one possible implementation, the second sequence of delimiting characters is the same as the first sequence of delimiting characters. For example, as shown in Figure 14. By making the second delimiting character sequence the same as the first delimiting character sequence, it is beneficial to improve the speed and accuracy of the cash register device recognizing the first character sequence.

Of course, the second delimiting character sequence may also be different from the first delimiting character sequence. For example, as shown in FIG. 15 , the payment character sequence includes a first delimitation character sequence+carriage return line feed character+first character sequence+second character sequence+carriage return linefeed character+second demarcation character sequence. Wherein, the first delimiting character sequence is "============", the first character sequence is "1227STUA", the second character sequence is "KA", and the second delimiting character sequence is "**** ******”.

9 to 15 take the payment character sequence including the second character sequence as an example. The payment character sequence in FIGS. 9 to 15 may not include the second character sequence.

In one possible implementation, the visible characters in the payout character sequence are visible ASCII characters. The visible ASCII characters are universal characters, and the compatibility of the scheme can be increased by making the visible characters in the payment character sequence visible ASCII characters.

For example, the visible characters in the payout character sequence are one or more of the visible ASCII characters shown in Table 7.

Table 7

字符character	描述describe	字符character	描述describe	字符character	描述describe	字符character	描述describe
！!	叹号exclamation mark	::	冒号colon	SS	大写字母Scapital letter S	ll	小写字母llowercase letter l
""	双引号Double quotes	；;	分号semicolon	TT	大写字母Tcapital letter T	mm	小写字母mlowercase letter m
##	井号Hashtag	<<	小于号Less than sign	UU	大写字母Ucapital letter U	nn	小写字母nlowercase n
$$	美元符dollar sign	＝=	等号equal sign	VV	大写字母Vcapital letter V	oo	小写字母olowercase letter o
％%	百分号percent sign	>>	大于号greater than sign	WW	大写字母Wcapital letter W	pp	小写字母plowercase p
&&	和号ampersand	？?	问号question mark	XX	大写字母Xcapital letter X	qq	小写字母qlowercase q
''	闭单引号closed single quote	@@	电子邮件符号email symbol	YY	大写字母Ycapital letter Y	rr	小写字母rlowercase r
((	开括号open bracket	AA	大写字母Acapital letter A	ZZ	大写字母Zcapital letter Z	ss	小写字母slowercase s

))	闭括号closing bracket	BB	大写字母Bcapital letter B	[[	开方括号open square bracket	tt	小写字母tlowercase t
**	星号Asterisk	CC	大写字母Ccapital letter C	\\	反斜杠backslash	uu	小写字母ulowercase u
++	加号plus	DD	大写字母Dcapital letter D	]]	闭方括号closing square bracket	vv	小写字母vlowercase letter v
,,	逗号comma	EE	大写字母Ecapital letter E	^^	脱字符caret	ww	小写字母wlowercase letter w
--	减号/破折号Minus/Dash	FF	大写字母Fcapital letter F	__	下划线underscore	xx	小写字母xlowercase x
..	句号period	GG	大写字母Gcapital letter G	``	开单引号open single quote	yy	小写字母ylowercase y
//	斜杠slash	HH	大写字母Hcapital letter H	aa	小写字母alowercase a	zz	小写字母zlowercase z
00	数字0number 0	II	大写字母Icapital letter I	bb	小写字母blowercase b	{{	开花括号 Brackets
11	数字1Number 1	JJ	大写字母Jcapital letter J	cc	小写字母clowercase letter c	\|\|	垂线perpendicular
22	数字2number 2	KK	大写字母Kcapital letter K	dd	小写字母dlowercase d	}}	闭花括号closing curly brace
33	数字3number 3	LL	大写字母Lcapital letter L	ee	小写字母elowercase e	～~	波浪号tilde
44	数字4number 4	MM	大写字母Mcapital letter M	ff	小写字母flowercase letter f
55	数字5number 5	NN	大写字母Ncapital letter N	gg	小写字母glowercase letter g
66	数字6number 6	OO	大写字母Ocapital letter O	hh	小写字母hlowercase h
77	数字7number 7	PP	大写字母Pcapital letter P	ii	小写字母ilowercase i
88	数字8number 8	QQ	大写字母Qcapital letter Q	jj	小写字母jlowercase j
99	数字9number 9	RR	大写字母Rcapital letter R	kk	小写字母klowercase letter k

In another possible implementation, the visible characters in the payment character sequence are high-recognition ASCII characters. As described above, the characters in the payment character sequence come from the candidate character set preset by the payment platform; when the candidate character set is full of visible ASCII characters, and any two characters are dissimilar, the candidate character set is selected from the candidate character set. Characters are called high-recognition ASCII characters, and this candidate character set is called a high-recognition candidate character set.

In a possible solution, the high-recognition candidate character set includes characters selected from the visible character set shown in Table 7 and having no similar characters within the range of Table 7. For example, include more than one of the following characters: A, D, E, G, H, L, N, Q, R, T, 3, 4, 5, 6, or 7.

Regarding similar characters, the explanation is as follows. Suppose there are two characters, the first character and the second character, if the first character and the second character are similar in appearance, or the first character is easily recognized as the second character during OCR recognition, Or if the second character is identified as the first character, the two characters are said to be similar to each other. As shown in Table 8, the characters in a similar character group are similar to each other. In the embodiment of the present application, it is avoided to put similar characters in the same candidate character set, which can improve the accuracy of the cash register device in recognizing the payment character sequence.

Table 8

In yet another possible solution, the high-recognition candidate character set may also include characters selected from the visible character set shown in Table 7, with similar characters within the range of Table 7, but within the range of the high-recognition candidate character set characters that do not contain similar characters. This is beneficial to improve the accuracy of the cash register device in recognizing the visible characters in the payment character sequence. For example, the high-recognition candidate character set includes the number "0" and does not include the lowercase letter "o" and the uppercase letter "O". The high-recognition candidate character set includes the capital letter "B" and does not include the number "8". The high-recognition candidate character set includes the uppercase letter "C" and does not include the lowercase letter "c".

If the high-recognition candidate character set includes characters with similar characters selected from the visible character set shown in Table 7, the cash register device can implement an error correction function. For example, it is assumed that the 16 high-recognition characters included in the high-recognition candidate character set are respectively: "0127ACFHJKLPSTUX". If the cash register device recognizes an uppercase "O" or a lowercase "o", it is considered that the recognized character is the number "0". If the cash register device recognizes an uppercase "I", a lowercase "i", a lowercase "l", a vertical line "|", an opening square bracket "[" or a closing square bracket "]", it is considered that the recognized character is Number 1". If the cash register device recognizes an uppercase "Z" or a lowercase "z", it considers the recognized character to be the number "2".

In another possible solution, the high-recognition ASCII character set refers to a character set whose correct recognition rate of characters is greater than or equal to a preset threshold.

In yet another possible implementation, the visible characters in the payout character sequence are not lowercase letters.

In another possible implementation, the visible characters in the payment character sequence may not be visible ASCII characters. For example, the visible characters in the payment character sequence may also be Chinese characters, Korean characters, Japanese characters and other characters of a certain country.

It can be seen that, based on the method described in FIG. 4 , the user only needs to display the payment character sequence displayed by the terminal device to the cashier device for scanning, and then the mobile payment can be performed, which improves the payment convenience of the terminal device.

Please refer to FIG. 16. FIG. 16 is a schematic flowchart of another payment method provided by an embodiment of the present application. As shown in Figure 16, the payment method includes the following steps 1601 to 1610. in:

1601. The terminal device presents a USSD menu item.

Wherein, the USSD menu item is used to provide the user with a payment function. The terminal device can also display USSD menu items for implementing other functions.

1602. In response to the selection operation of the USSD menu item, the terminal device sends a first request for requesting to provide a payment character sequence to the USSD gateway, where the first request includes the first identifier of the user.

Specifically, in response to the selection operation of the USSD menu item for providing the payment function for the user, the terminal device sends a first request for requesting to provide the payment character sequence to the USSD gateway. The selection operation of the USSD menu item may be a user's input operation of the number of the USSD menu item. Optionally, the first request may further include the serial number of the USSD menu item selected by the user, so as to indicate the USSD menu item selected by the user. Optionally, the first identifier of the user may be the user's international mobile subscriber identity (international mobile subscriber identity, IMSI) or a session identifier between the terminal device and the USSD gateway, or the like.

For example, as shown in FIG. 17 , it is assumed that the terminal device displays two USSD menu items, which are the Query Balance option and the Apply Quick Pay option respectively. The number corresponding to the balance query option is 1, and the number corresponding to the request quick payment option is 2. The user can press the keyboard of the terminal device to input the number "2". After detecting the user's input operation for the number "2", the terminal device sends a first request for requesting to provide a payment character sequence to the USSD gateway, where the first request includes the user's IMSI and the number "2".

1603. In response to the first request, the USSD gateway sends a second request to the payment platform, where the second request is used to request to provide a payment character sequence, and the second request carries the second identification of the user, which is determined based on the first identification .

In the embodiment of the present application, after receiving the first request, the USSD gateway determines the second identifier of the user based on the first identifier in the first request, and sends a second request carrying the second identifier to the payment platform. Optionally, the second request may further carry the serial number of the USSD menu item selected by the user to indicate the USSD menu item selected by the user. Optionally, the second identifier may be the mobile phone number of the user. Alternatively, the second identifier may also be other information that can determine the identifier of the user's payment account.

1604. The payment platform generates a payment character sequence for the user in response to the second request.

In the embodiment of the present application, after receiving the second request, the payment platform generates a payment character sequence for the user in response to the second request.

1605. The payment platform establishes a correspondence between the identifier of the user's payment account and the first character sequence in the payment character sequence, where the identifier of the user's payment account is obtained based on the second identifier of the user.

In the embodiment of the present application, after receiving the second request, the payment platform determines the identifier of the payment account of the user based on the second identifier of the user. After determining the identifier of the user's payment account, the payment platform establishes a correspondence between the identifier of the user's payment account and the first character sequence in the payment character sequence. How the payment platform establishes the correspondence between the identifier of the user's payment account and the first character sequence in the payment character sequence can refer to the description in the embodiment corresponding to FIG. 4 , which is not repeated here.

Optionally, the identification of the user's payment account may be the same as the second identification of the user. For example, the second identifier is the user's mobile phone number, and the user's payment account identifier is the user's mobile phone number.

Alternatively, the identification of the user's payment account may also be different from the second identification of the user. The payment platform stores the correspondence between the identifier of the user's payment account and the second identifier of the user. Based on the corresponding relationship and the second identifier of the user, the payment platform can determine the identifier of the user's payment account. For example, the second identifier is the mobile phone number of the user, and the identifier of the user's payment account is the account number of the instant messaging application. The payment platform prestores the correspondence between the identifier of the user's payment account and the user's mobile phone number. The payment platform can determine the identity of the user's payment account based on the user's mobile phone number.

1606. The payment platform sends the payment character sequence to the USSD gateway.

The specific implementation of steps 1606 to 1610 may refer to the specific implementation of steps 401 to 405 in the embodiment shown in FIG. 4 , and details are not described herein.

1607. The USSD gateway sends the payment character sequence to the terminal device of the user.

1608. The terminal device displays the payment character sequence for the cashier device to scan.

1609. The cash register device scans the payment character sequence displayed by the user's terminal device, and identifies the first character sequence in the payment character sequence to obtain the third character sequence.

1610. The cash register device requests the payment platform to make payment through the user's payment account based on the third character sequence.

It can be seen that, based on the method described in FIG. 16 , the terminal device can actively request the payment character sequence from the network side according to the user's needs, and the terminal device can obtain the payment character sequence more flexibly. And the user can trigger the terminal device to request the payment character sequence from the network side by selecting the USSD menu item in the USSD menu, which can conveniently trigger the terminal device to request the payment character sequence from the network side. And after generating the payment character sequence, the payment platform will establish a correspondence between the identifier of the user's payment account and the first character sequence in the payment character sequence, so that the user's payment account can be indicated by the first character sequence.

Please refer to FIG. 18. FIG. 18 is a schematic flowchart of another payment method provided by an embodiment of the present application. As shown in Figure 18, the payment method includes the following steps 1801 to 1812. in:

1801. The terminal device sends a third request to the USSD gateway in response to the key input operation, where the third request is used to request to provide the first USSD menu data.

Optionally, the key input operation may be a dialing operation. For example, after the terminal device detects that the user dials *188#, the terminal device sends a third request to the USSD gateway. Alternatively, the terminal device may send a third request to the USSD gateway after detecting that the user dials other characters and/or numbers.

1802. The USSD gateway sends the first USSD menu data to the terminal device.

In this embodiment of the present application, after receiving the third request, the USSD gateway sends the first USSD menu data to the terminal device. Alternatively, step 1801 may not be executed, and the USSD gateway actively sends the first USSD menu data to the terminal device.

The first USSD menu data may be data stored locally by the USSD gateway. Alternatively, the USSD gateway may request the payment platform for the second USSD menu data, and the USSD gateway obtains the first USSD menu data based on the second USSD menu data requested from the payment platform. For the latter, reference may be made to the description in the embodiment corresponding to FIG. 19 below, which is not repeated here.

In a possible implementation, the USSD gateway carries the first USSD menu data in an SMPP message and sends it to the terminal device.

1803. The terminal device displays a USSD menu based on the first USSD menu data, where the USSD menu includes USSD menu items.

In this embodiment of the present application, after receiving the first USSD menu data from the USSD gateway, the terminal device displays the USSD menu based on the first USSD menu data. The first USSD menu data may be data in HTML format, or data in other formats.

For example, taking the first USSD menu data as data in HTML format as an example, the following is an example of the first USSD menu data:

The USSD menu displayed by the terminal device based on the first USSD menu data may be as shown in FIG. 17 .

In a possible implementation, the terminal device may not perform steps 1801 to 1803, the terminal device locally stores USSD menu data, and the terminal device can display the USSD menu based on the local USSD menu data.

1804. In response to the selection operation of the USSD menu item, the terminal device sends a first request for requesting to provide a payment character sequence to the USSD gateway, where the first request includes the first identifier of the user.

For the specific implementation manner of steps 1804 to 1807, reference may be made to the specific implementation manner of the above-mentioned steps 1602 to 1605, which will not be repeated here. For the specific implementation manner of steps 1808 to 1812, reference may be made to the specific implementation manner of steps 401 to 405, and details are not described herein.

1805. In response to the first request, the USSD gateway sends a second request to the payment platform, where the second request is used to request to provide a payment character sequence, and the second request carries the second identification of the user, which is determined based on the first identification .

1806. The payment platform generates a payment character sequence for the user in response to the second request.

1807. The payment platform establishes a correspondence between the identifier of the user's payment account and the first character sequence in the payment character sequence, where the identifier of the user's payment account is obtained based on the second identifier of the user.

1808. The payment platform sends the payment character sequence to the USSD gateway.

1809. The USSD gateway sends the payment character sequence to the terminal device of the user.

1810. The terminal device displays the payment character sequence for the cashier device to scan.

1811. The cash register device scans the payment character sequence displayed by the user's terminal device, and identifies the first character sequence in the payment character sequence to obtain the third character sequence.

1812. The cash register device requests the payment platform to make payment through the user's payment account based on the third character sequence.

It can be seen that, based on the method described in FIG. 18 , the terminal device can actively request the first USSD menu data from the USSD gateway according to the user's needs, and the terminal device can obtain the first USSD menu data more flexibly.

Please refer to FIG. 19. FIG. 19 is a schematic flowchart of a payment method provided by an embodiment of the present application. As shown in Figure 19, the payment method includes the following steps 1901 to 1914. in:

1901. The terminal device sends a third request to the USSD gateway in response to the key input operation, where the third request is used to request to provide the first USSD menu data.

For the specific implementation manner of step 1901, reference may be made to the specific implementation manner of the foregoing step 1801, and details are not described herein.

1902. The USSD gateway sends a fourth request to the payment platform, where the fourth request is used to request to provide second USSD menu data.

Wherein, step 1901 may be performed first, followed by steps 1902 and 1903, that is, after the terminal device requests the USSD gateway to provide the first USSD menu data, the USSD gateway requests the payment platform to provide the second USSD menu data.

Alternatively, steps 1902 and 1903 may be performed first, and then step 1901 may be performed, that is, the USSD gateway may actively request the payment platform to provide the second USSD menu data. After the terminal device requests the USSD gateway to provide the first USSD menu data, the USSD gateway sends the first USSD menu data to the terminal device based on the second USSD menu data.

1903. The payment platform sends the second USSD menu data to the USSD gateway.

In the embodiment of the present application, after receiving the fourth request, the payment platform sends the second USSD menu data to the USSD gateway.

1904. The USSD gateway sends the first USSD menu data to the terminal device based on the second USSD menu data.

In this embodiment of the present application, after receiving the third request and the second USSD menu data, the USSD gateway sends the first USSD menu data to the terminal device based on the second USSD menu data.

Wherein, the second USSD menu data may be data in HTML format, or data in other formats. The first USSD menu data may be data in HTML format, or data in other formats.

The second USSD menu data and the first USSD menu data may be different. For example, the following is an example of the second USSD menu data:

Since the terminal device may not recognize the <a> tag, after receiving the second USSD menu data, the USSD gateway can change the "<a href="mobilepayment.ussd" default="yes"></a in the second USSD menu data >" to get the first USSD menu data. The USSD gateway sends the first USSD menu data to the terminal device, so that the terminal device can display the USSD menu based on the first USSD menu data.

Of course, the second USSD menu data and the first USSD menu data may also be the same. For example, since the terminal device cannot display the <a> tag, the second USSD menu data sent by the payment platform may not carry the <a> tag, so that the USSD gateway can directly send the second USSD menu data as the first USSD menu data to the Terminal Equipment.

1905. The terminal device displays a USSD menu based on the first USSD menu data, where the USSD menu includes USSD menu items.

For the specific implementation manner of step 1905, reference may be made to the specific implementation manner of the above-mentioned step 1803, which is not repeated here.

1906. In response to the selection operation of the USSD menu item, the terminal device sends a first request for requesting to provide a payment character sequence to the USSD gateway, where the first request includes the first identifier of the user.

For the specific implementation manner of steps 1906 to 1909, reference may be made to the specific implementation manner of the above-mentioned steps 1602 to 1605, which will not be repeated here. For the specific implementation manner of steps 1910 to 1914, reference may be made to the specific implementation manner of steps 401 to 405, and details are not described here.

1907. In response to the first request, the USSD gateway sends a second request to the payment platform, where the second request is used to request to provide a payment character sequence, and the second request carries the second identification of the user, which is determined based on the first identification .

1908. The payment platform generates a payment character sequence for the user in response to the second request.

1909. The payment platform establishes a correspondence between the identifier of the user's payment account and the first character sequence in the payment character sequence, where the identifier of the user's payment account is obtained based on the second identifier of the user.

1910. The payment platform sends the payment character sequence to the USSD gateway.

1911. The USSD gateway sends the payment character sequence to the user's terminal device.

1912. The terminal device displays the payment character sequence for the cashier device to scan.

1913. The cash register device scans the payment character sequence displayed by the user's terminal device, and identifies the first character sequence in the payment character sequence to obtain the third character sequence.

1914. The cash register device requests the payment platform to make payment through the user's payment account based on the third character sequence.

It can be seen that, based on the method described in FIG. 19 , the payment platform can send the USSD menu to the USSD gateway, which facilitates flexible updating of the USSD menu.

Please refer to FIG. 20. FIG. 20 is a schematic flowchart of another payment method provided by an embodiment of the present application. As shown in Figure 20, the payment method includes the following steps 2001 to 2018. in:

2001. The payment platform sends the payment character sequence to the USSD gateway.

2002. The USSD gateway sends the payment character sequence to the user's terminal device.

2003. The terminal device displays the payment character sequence for the cashier device to scan.

2004. The cash register device scans the payment character sequence displayed by the user's terminal device, and identifies the first character sequence in the payment character sequence to obtain the third character sequence.

For the specific implementation manner of steps 2001 to 2004, reference may be made to the specific implementation manner of the above-mentioned steps 401 to 404, which will not be repeated here.

2005. The cash register device sends a payment request to the payment platform, where the payment request carries the third character sequence and order information.

Wherein, the order information may include the identification of the payee's payment account and the order amount. The order information may also include order number, payee name, transaction time or transaction description, etc.

2006. The payment platform determines the identifier of the user's payment account based on the third character sequence.

In the embodiment of the present application, after receiving the payment request, the payment platform determines the identifier of the user's payment account based on the third character sequence. For example, the correspondence between the first character sequence stored in the payment platform and the identifier of the payment account is shown in Table 2 above. Assuming that the third character sequence is "0127STUX", the payment platform can determine that the identifier of the user's payment account is "15232204938" based on the corresponding relationship shown in Table 1 above.

2007. The payment platform sends payment confirmation information to the USSD gateway, where the payment confirmation information includes prompt information for prompting the user to input the payment password of the payment account.

In the embodiment of the present application, after determining the identifier of the user's payment account based on the third character sequence, the payment platform sends payment confirmation information to the USSD gateway.

Optionally, after determining the identifier of the user's payment account based on the third character sequence, the payment platform may determine the user's second identifier based on the identifier of the user's payment account, and send the user's second identifier and payment confirmation information to the USSD. gateway, so that the USSD gateway can send payment confirmation information to the terminal device of the user based on the second identification of the user. Optionally, the second identifier of the user may be the user's mobile phone number or other information that can determine the user's terminal device.

Alternatively, the identification of the user's payment account may also be different from the second identification of the user. The payment platform stores the correspondence between the identifier of the user's payment account and the second identifier of the user. The payment platform can determine the second identifier of the user based on the corresponding relationship and the identifier of the user's payment account. For example, the second identifier is the mobile phone number of the user, and the identifier of the user's payment account is the account number of the instant messaging application. The payment platform prestores the correspondence between the identifier of the user's payment account and the user's mobile phone number. The payment platform can determine the user's mobile phone number based on the identification of the user's payment account.

In a possible implementation, the payment confirmation information also includes order information. By displaying the order information on the terminal device, it is convenient for the user to confirm whether the paid order is correct. The payment confirmation information may include part or all of the order information sent by the cash register device to the payment platform. For example, payment confirmation information may include order number, order amount, payee name and transaction description.

In a possible implementation, when the order amount is greater than the preset amount, the payment platform sends payment confirmation information to the USSD gateway. In this way, the user does not need to input the payment password every time, which is beneficial to improve the convenience of payment.

2008, the USSD gateway sends the payment confirmation information to the terminal device.

In the embodiment of the present application, after receiving the payment confirmation information sent by the payment platform, the USSD gateway sends the payment confirmation information to the terminal device.

2009. The terminal device displays the payment confirmation information.

In this embodiment of the present application, after receiving the payment confirmation information, the terminal device displays the payment confirmation information. For example, the payment confirmation information displayed by the terminal device is shown in Figure 21.

2010. The terminal device receives the payment password of the payment account input by the user.

In this embodiment of the present application, after displaying the payment confirmation information, the terminal device may receive the payment password of the payment account input by the user. For example, as shown in FIG. 21, the user inputs the payment password of the payment account through the keyboard as "213415".

2011. The terminal device sends the payment password of the payment account to the USSD gateway.

In the embodiment of the present application, after receiving the payment password of the payment account input by the user, the terminal device sends the payment password of the payment account to the USSD gateway.

2012. The USSD gateway sends the payment password of the payment account to the payment platform.

In the embodiment of the present application, after receiving the payment password of the payment account sent by the terminal device, the USSD gateway sends the payment password of the payment account to the payment platform. Optionally, the USSD gateway may also send the second identification of the user to the payment platform together with the payment password of the payment account. Therefore, the payment platform can determine which user's payment account password the received payment password is based on the second identifier of the user. For example, assuming that the identification of the user's payment account is the same as the second identification of the user, and the second identification of the user received by the payment platform is "15232204938", then the payment platform can determine that the received payment password is the identification of the payment account identified by "15232204938". password.

In 2013, the payment platform successfully verified the received payment password.

In the embodiment of the present application, after receiving the payment password of the user's payment account sent by the USSD gateway, the payment platform verifies the received payment password. After the payment platform successfully verifies the received payment password, step 2014 is executed. After the payment platform fails to verify the received payment password, it can send a prompt message to the terminal device to prompt the password input error through the USSD gateway.

For example, the payment password of the payment account identified by "15232204938" received by the payment platform from the USSD gateway is "213415". The payment platform obtains the pre-stored payment password of the payment account identified by "15232204938". If the payment platform verifies that the pre-stored payment password of the payment account identified by "15232204938" is the same as "213415". Then, the payment platform determines that the verification of the received payment password is passed. Otherwise, the payment platform determines that the verification of the received payment password fails.

2014. The payment platform makes payment based on the order information and the user's payment account.

For example, the order information includes the identification of the payee's payment account and the order amount of 10 yuan. The identification of the user's payment account is "15232204938". The payment platform transfers 10 yuan from the payment account identified as "15232204938" to the payee's payment account.

2015. The payment platform sends the user's payment result information to the USSD gateway and the cash register device.

In the embodiment of the present application, after the payment platform performs payment based on the order information and the user's payment account, it sends the user's payment result information to the USSD gateway and the cash register device. If the payment platform successfully pays based on the order information and the user's payment account, the payment result information indicates that the payment is successful. If the payment platform fails to pay based on the order information and the user's payment account, the payment result information indicates that the payment fails.

2016. The USSD gateway sends payment result information to the terminal device.

In the embodiment of the present application, after receiving the payment result information, the USSD gateway sends the payment result information to the terminal device.

2017. The terminal device displays payment result information.

In this embodiment of the present application, after receiving the payment result information, the terminal device displays the payment result information. For example, as shown in Figure 21.

2018. The cash register device displays the payment result information of the user.

In this embodiment of the present application, after receiving the payment result information, the cash register device displays the payment result information.

It can be seen that, based on the method described in FIG. 20 , the user needs to input the payment password of the payment account in the terminal device to make payment, which is beneficial to improve the security of payment. In addition, the payment platform can push payment result information to terminal devices and cashier devices in a timely manner, so that users and cashiers can timely understand the order payment results.

It is worth mentioning that steps 1601 to 1605 shown in FIG. 16 may also be performed before step 2001 . Alternatively, steps 1801 to 1807 shown in FIG. 18 may also be performed before step 2001 . Alternatively, steps 1901 to 1909 shown in FIG. 19 may also be performed before step 2001 .

Referring to FIG. 22, FIG. 22 shows a schematic structural diagram of a communication apparatus according to an embodiment of the present application. The communication apparatus shown in FIG. 22 may be used to execute part or all of the functions of the terminal device in the method embodiments described in the above-mentioned FIGS. 4 , 6 , 16 , 18 , 19 , and 20 . The device may be a terminal device, or a device in the terminal device, or a device that can be used in combination with the terminal device. Wherein, the communication device may also be a chip system. The communication apparatus shown in FIG. 22 may include a communication unit 2201 and a processing unit 2202 . Among them, the processing unit 2202 is used for data processing. The communication unit 2201 integrates a receiving unit and a transmitting unit. The communication unit 2201 may also be referred to as a transceiving unit. Alternatively, the communication unit 2201 can also be divided into a receiving unit and a sending unit. The processing unit 2202 and the communication unit 2201 in the following are the same, and will not be repeated below. in:

The communication unit 2201 is used to receive the payment character sequence from the unstructured supplementary service data USSD gateway; the processing unit 2202 is used to display the payment character sequence for the cashier device to scan for payment through the user's payment account; wherein the payment character sequence includes A first sequence of characters that includes a plurality of visible characters for indicating a payment account.

In a possible implementation, the processing unit 2202 is further configured to present the USSD menu item; the communication unit 2201 is further configured to, in response to the selection operation of the USSD menu item, send to the USSD gateway a first request for providing the payment character sequence request, where the first request includes the first identifier of the user.

In a possible implementation, the manner in which the processing unit 2202 presents the USSD menu items is as follows: receiving first USSD menu data from the USSD gateway; and displaying a USSD menu based on the first USSD menu data, where the USSD menu includes USSD menu items.

In a possible implementation, the communication unit 2201 is further configured to send a third request to the USSD gateway in response to a key input operation, where the third request is used to request to provide the first USSD menu data.

In a possible implementation, the payment character sequence further includes a second character sequence, the second character sequence includes at least one visible character, and the second character sequence is used for checking the first character sequence.

In a possible implementation, before the first character sequence, the payment character sequence further includes a first delimiting character sequence, and the first delimiting character sequence includes at least one visible character; and/or,

After the first sequence of characters, the sequence of payout characters further includes a second sequence of delimiting characters, the second sequence of delimiting characters including at least one visible character.

In one possible implementation, the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange ASCII characters.

In a possible implementation, the communication unit 2201 is further configured to receive payment confirmation information sent by the USSD gateway, where the payment confirmation information includes prompt information for prompting the user to input the payment password of the payment account; the processing unit 2202 is further configured to display Payment confirmation information; the communication unit 2201 is further configured to receive the payment password of the payment account input by the user; the communication unit 2201 is further configured to send the payment password of the payment account to the USSD gateway.

In a possible implementation, the communication unit 2201 is further configured to receive payment result information of the user sent by the USSD gateway; the processing unit 2202 is further configured to display the payment result information.

Referring to FIG. 22, FIG. 22 shows a schematic structural diagram of a communication apparatus according to an embodiment of the present application. The communication device shown in FIG. 22 can be used to execute part or all of the functions of the USSD gateway in the method embodiments described in the above-mentioned FIG. 4 , FIG. 6 , FIG. 16 , FIG. 18 , FIG. 19 and FIG. 20 . The device may be a USSD gateway, a device in a USSD gateway, or a device that can be matched with the USSD gateway. Wherein, the communication device may also be a chip system. The communication apparatus shown in FIG. 22 may include a communication unit 2201 and a processing unit 2202 . in:

The communication unit 2201 is used to receive the payment character sequence sent by the payment platform; the communication unit 2201 is also used to send the payment character sequence to the user's terminal device; wherein the payment character sequence includes a first character sequence, and the first character sequence includes A plurality of visible characters indicating the user's payment account, and the sequence of payment characters is used to be scanned by the cashier device after being displayed by the terminal device to make payment through the payment account.

In a possible implementation, the USSD gateway receives a first request from the terminal device, where the first request includes the first identifier of the user; the USSD gateway sends a second request to the payment platform in response to the first request, and the second request uses In response to a request to provide a payment character sequence, the second request carries a second identification of the user, and the second identification is determined based on the first identification.

In a possible implementation, the USSD gateway sends first USSD menu data to the terminal device; wherein, the first USSD menu data is used for the terminal device to display a USSD menu, the USSD menu includes USSD menu items, and the USSD menu items are used for Trigger the terminal device to send the first request to the USSD gateway.

In a possible implementation, the communication unit 2201 is further configured to receive a third request sent by the terminal device before sending the USSD menu data to the terminal device, where the third request is used to request to provide the first USSD menu data.

In a possible implementation, the communication unit 2201 is further configured to send a fourth request to the payment platform before sending the first USSD menu data to the terminal device, where the fourth request is used to request to provide the second USSD menu data; and Receive the second USSD menu data sent by the payment platform; the communication unit 2201 sends the first USSD menu data to the terminal device in a specific manner: sending the first USSD menu data to the terminal device based on the second USSD menu data.

In a possible implementation, the payment character sequence further includes a second character sequence, the second character sequence includes at least one visible character, and the second character sequence is used to verify the first character sequence.

In a possible implementation, the communication unit 2201 is further configured to receive payment confirmation information sent by the payment platform after sending the payment character sequence to the user's terminal device, where the payment confirmation information includes a payment for prompting the user to input a payment account and sending payment confirmation information to the terminal device; and receiving the payment password of the payment account sent by the terminal device; and sending the payment password of the payment account to the payment platform.

In a possible implementation, the communication unit 2201 is further configured to, after sending the payment character sequence to the user's terminal device, receive the user's payment result information sent by the payment platform; and send the payment result information to the terminal device.

Referring to FIG. 22, FIG. 22 shows a schematic structural diagram of a communication apparatus according to an embodiment of the present application. The communication device shown in Fig. 22 can be used to execute part or all of the functions of the payment platform in the method embodiments described in Figs. 4, 6, 16, 18, 19, and 20. The device may be a payment platform, or a device in the payment platform, or a device that can be used in conjunction with the payment platform. Wherein, the communication device may also be a chip system. The communication apparatus shown in FIG. 22 may include a communication unit 2201 and a processing unit 2202 . in:

The communication unit 2201 is configured to send a payment character sequence to the unstructured supplementary service data USSD gateway; wherein, the payment character sequence includes a first character sequence, and the first character sequence includes a plurality of visible characters used to indicate the user's payment account , the payment character sequence is used for scanning by the cashier device after being displayed on the user's terminal device, so as to make payment through the payment account.

In a possible implementation, the communication unit 2201 is further configured to receive a second request sent by the USSD gateway, where the second request includes the second identifier of the user; the processing unit 2202 is configured to respond to the second request and generate for the user The payment character sequence, and establishing the correspondence between the identification of the payment account and the first character sequence, the identification of the payment account is obtained based on the second identification of the user.

In a possible implementation, the communication unit 2201 is further configured to, before receiving the second request sent by the USSD gateway, receive a fourth request sent by the USSD gateway, where the fourth request is used to request to provide the second USSD menu data; and Send the second USSD menu data to the USSD gateway; wherein, the second USSD menu data is used by the USSD gateway to send the first USSD menu data to the terminal device, and the first USSD menu data is used for the terminal device to display the USSD menu, and the USSD menu includes USSD menu items , the USSD menu item is used to trigger the terminal device to send a first request to the USSD gateway, and the first request is used to trigger the USSD gateway to send a second request to the payment platform.

In a possible implementation, the first character sequence includes characters determined based on the user's mobile phone number and/or the first time, where the first time is the generation time of the first character sequence.

In one possible implementation, the first sequence of characters includes random characters.

In a possible implementation, the binary number sequence corresponding to the second character sequence consists of any binary number corresponding to each character in the first character sequence.

In a possible implementation, the communication unit 2201 is further configured to receive a payment request sent by the cash register device after sending the payment character sequence to the unstructured supplementary service data USSD gateway, where the payment request carries the order information and the cash register device scans and pays The third character sequence obtained from the character sequence; the processing unit 2202 is further configured to determine the identifier of the user's payment account based on the third character sequence, and perform payment based on the order information and the identifier of the user's payment account.

In a possible implementation, the communication unit 2201 is further configured to send payment confirmation information to the USSD gateway before the processing unit 2202 performs payment based on the order information and the identifier of the payment account of the user, where the payment confirmation information includes information for prompting the user The prompt information for entering the payment password of the payment account; the communication unit 2201 is further configured to receive the payment password of the payment account sent by the USSD gateway; the processing unit 2202 is further configured to successfully verify the payment password of the payment account.

In a possible implementation, the communication unit 2201 is further configured to send the user's payment result information to the USSD gateway and the cash register device.

Referring to FIG. 22, FIG. 22 shows a schematic structural diagram of a communication apparatus according to an embodiment of the present application. The communication apparatus shown in FIG. 22 can be used to execute part or all of the functions of the cash register device in the method embodiments described in the above-mentioned FIGS. 4 , 6 , 16 , 18 , 19 , and 20 . The device may be a cash register device, a device in a cash register device, or a device that can be matched with the cash register device. Wherein, the communication device may also be a chip system. The communication apparatus shown in FIG. 22 may include a communication unit 2201 and a processing unit 2202 . in:

The processing unit 2202 is used to scan the payment character sequence displayed by the user's terminal device, and identify the first character sequence in the payment character sequence to obtain the third character sequence; the communication unit 2201 is used to request the payment platform based on the third character sequence to pass the user's The payment account is used for payment; wherein, the first character sequence includes a plurality of visible characters generated by the payment platform and used to indicate the payment account.

In a possible implementation, the payment character sequence further includes a second character sequence, the second character sequence includes at least one visible character, and the second character sequence is used to verify the first character sequence; the processing unit 2202 is configured to The communication unit 2201 identifies the second character sequence in the payment character sequence to obtain the fourth character sequence before requesting the payment platform to pay through the user's payment account based on the third character sequence; and verifies the third character sequence based on the fourth character sequence, and The verification result is passed.

In a possible implementation, in the case that the verification result is unsuccessful, the processing unit 2202 is further configured to prompt the position of the incorrectly recognized character in the third character sequence.

In a possible implementation, the manner in which the processing unit 2202 identifies the first character sequence in the payment character sequence to obtain the third character sequence is specifically: identifying the first character sequence in the payment character sequence to obtain the fifth character sequence; At least one character in the character sequence is replaced with a preset similar character to obtain a third character sequence.

In a possible implementation, the communication unit 2201 requests the payment platform to pay through the user's payment account based on the third character sequence: sending a payment request to the payment platform, where the payment request carries the order information and the third character sequence.

In a possible implementation, the communication unit 2201 is further configured to receive the payment result information of the user sent by the payment platform; the processing unit 2202 is further configured to display the payment result information of the user.

FIG. 23 shows a communication apparatus 230 provided by an embodiment of the present application, which is used to implement the functions of the terminal equipment in the above-mentioned FIGS. 4 , 6 , 16 , 18 , 19 , and 20 . The apparatus may be a terminal device or an apparatus for a terminal device. The means for the terminal device may be a system-on-a-chip or a chip within the terminal device. Wherein, the chip system may be composed of chips, and may also include chips and other discrete devices.

Alternatively, the communication device 230 is configured to implement the functions of the USSD gateway in the above-mentioned FIG. 4 , FIG. 6 , FIG. 16 , FIG. 18 , FIG. 19 , and FIG. 20 . The device may be a USSD gateway or a device for a USSD gateway. The means for the USSD gateway may be a system-on-a-chip or chip within the USSD gateway.

Alternatively, the communication device 230 is configured to implement the functions of the payment platform in the above-mentioned FIG. 4 , FIG. 6 , FIG. 16 , FIG. 18 , FIG. 19 , and FIG. 20 . The device may be a payment platform or a device for a payment platform. The means for the payment platform may be a system-on-a-chip or chip within the payment platform.

Alternatively, the communication device 230 is configured to implement the functions of the cash register device in the above-mentioned FIG. 4 , FIG. 6 , FIG. 16 , FIG. 18 , FIG. 19 , and FIG. 20 . The device may be a checkout device or a device for a checkout device. The means for the cash register may be a chip system or chip within the cash register.

The communication apparatus 230 includes at least one processor 2320, configured to implement the data processing function of the terminal device or the USSD gateway or the payment platform or the cashier device in the method provided in the embodiment of the present application. The apparatus 230 may further include a communication interface 2310, configured to implement the sending and receiving operations of the terminal device or the USSD gateway or the payment platform or the cashier device in the method provided in the embodiment of the present application. In this embodiment of the present application, the communication interface may be a transceiver, a circuit, a bus, a module or other types of communication interfaces, which are used to communicate with other devices through a transmission medium. For example, the communication interface 2310 is used by the apparatus in the apparatus 230 to communicate with other devices. The processor 2320 uses the communication interface 2310 to send and receive data, and is used to implement the methods described in the foregoing method embodiments in FIGS. 4 , 6 , 16 , 18 , 19 , and 20 .

Apparatus 230 may also include at least one memory 2330 for storing program instructions and/or data. Memory 2330 and processor 2320 are coupled. The coupling in the embodiments of the present application is an indirect coupling or communication connection between devices, units or modules, which may be in electrical, mechanical or other forms, and is used for information exchange between devices, units or modules. The processor 2320 may cooperate with the memory 2330. The processor 2320 may execute program instructions stored in the memory 2330 . At least one of the at least one memory may be included in the processor.

The specific connection medium between the communication interface 2310, the processor 2320, and the memory 2330 is not limited in this embodiment of the present application. In this embodiment of the present application, the memory 2330, the processor 2320, and the communication interface 2310 are connected through a bus 2340 in FIG. 23. The bus is represented by a thick line in FIG. 23, and the connection between other components is only for schematic illustration. , is not limited. The bus can be divided into an address bus, a data bus, a control bus, and the like. For ease of presentation, only one thick line is shown in FIG. 23, but it does not mean that there is only one bus or one type of bus.

When the device 230 is specifically a device used for a terminal device or a USSD gateway or a payment platform or a cash register device, for example, when the device 230 is a chip or a chip system, the communication interface 2310 may output or receive baseband signals. When the apparatus 230 is specifically a terminal device or an access network device, the output or reception of the communication interface 2310 may be a radio frequency signal. In this embodiment of the present application, the processor may be a general-purpose processor, a digital signal processor, an application-specific integrated circuit, a field programmable gate array or other programmable logic device, a discrete gate or transistor logic device, or a discrete hardware component, which can implement or The methods, operations, and logic block diagrams disclosed in the embodiments of the present application are executed. A general purpose processor may be a microprocessor or any conventional processor or the like. The operations of the methods disclosed in combination with the embodiments of the present application may be directly embodied as being executed by a hardware processor, or executed by a combination of hardware and software modules in the processor.

Embodiments of the present application further provide a computer-readable storage medium, where instructions are stored in the computer-readable storage medium, and when the computer-readable storage medium is executed on a processor, the method flow of the foregoing method embodiment is implemented.

The embodiments of the present application further provide a computer program product, when the computer program product runs on a processor, the method flow of the above method embodiments is realized.

It should be noted that, for the sake of simple description, the foregoing method embodiments are all expressed as a series of action combinations, but those skilled in the art should know that the present application is not limited by the described action sequence. Because in accordance with the present application, certain operations may be performed in other orders or concurrently. Secondly, those skilled in the art should also know that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily required by the present application.

The descriptions of the embodiments provided in this application may refer to each other, and the descriptions of the various embodiments have their own emphasis. For the parts that are not described in detail in a certain embodiment, reference may be made to the relevant descriptions of other embodiments. For the convenience and brevity of description, for example, regarding the functions and operations of each device and device provided in the embodiments of the present application, reference may be made to the related descriptions of the method embodiments of the present application, and also between the method embodiments and the device embodiments. There may be mutual reference, combination or reference.

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

Claims

A payment method, characterized in that the method comprises:

The user's terminal device receives the payment character sequence from the unstructured supplementary service data USSD gateway;

The terminal device displays the payment character sequence for the cashier device to scan for payment through the user's payment account;

Wherein, the payment character sequence includes a first character sequence, and the first character sequence includes a plurality of visible characters for indicating the payment account.
The method according to claim 1, wherein before the terminal device receives the payment character sequence from the USSD gateway, the method further comprises:

The terminal device presents USSD menu items;

In response to the selection operation of the USSD menu item, the terminal device sends a first request for requesting to provide the payment character sequence to the USSD gateway, the first request including the first identification of the user.
The method according to claim 2, wherein the terminal device presents the USSD menu item, comprising:

The terminal device receives the first USSD menu data from the USSD gateway;

The terminal device displays a USSD menu based on the first USSD menu data, and the USSD menu includes the USSD menu item.
The method according to claim 3, wherein before the terminal device receives USSD menu data from the USSD gateway, the method further comprises:

The terminal device sends a third request to the USSD gateway in response to a key input operation, where the third request is used to request to provide the first USSD menu data.
The method according to any one of claims 1 to 4, wherein the payment character sequence further includes a second character sequence, the second character sequence includes at least one visible character, and the second character sequence uses for verifying the first character sequence.
The method according to any one of claims 1 to 5, wherein,

Before the first character sequence, the payment character sequence further includes a first delimiting character sequence, the first delimiting character sequence includes at least one visible character; and/or,

After the first sequence of characters, the sequence of payout characters further includes a second sequence of delimited characters, the second sequence of delimited characters including at least one visible character.
The method according to any one of claims 1 to 6, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange ASCII characters.
The method according to any one of claims 1 to 6, wherein the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange ASCII characters.
The method according to any one of claims 1 to 8, wherein after the terminal device displays the payment character sequence for the cashier device to scan, the method further comprises:

The terminal device receives payment confirmation information sent by the USSD gateway, where the payment confirmation information includes prompt information for prompting the user to input the payment password of the payment account;

The terminal device displays the payment confirmation information;

The terminal device receives the payment password of the payment account input by the user;

The terminal device sends the payment password of the payment account to the USSD gateway.
The method according to claim 9, wherein the payment confirmation information further includes order information of the user.
The method according to any one of claims 1 to 10, wherein after the terminal device displays the payment character sequence for the cashier device to scan, the method further comprises:

receiving, by the terminal device, the payment result information of the user sent by the USSD gateway;

The terminal device displays the payment result information.
A payment method, characterized in that the method comprises:

The unstructured supplementary business data USSD gateway receives the payment character sequence sent by the payment platform;

The USSD gateway sends the payment character sequence to the user's terminal device;

Wherein, the payment character sequence includes a first character sequence, the first character sequence includes a plurality of visible characters used to indicate the user's payment account, and the payment character sequence is used for displaying on the terminal device for display The checkout device scans to make payment through the payment account.
The method according to claim 12, wherein before the USSD gateway receives the payment character sequence sent by the payment platform, the method further comprises:

receiving, by the USSD gateway, a first request from the terminal device, where the first request includes a first identifier of the user;

In response to the first request, the USSD gateway sends a second request to the payment platform, where the second request is used to request to provide the payment character sequence, and the second request carries the second identifier of the user , and the second identifier is determined based on the first identifier.
The method of claim 13, wherein the method further comprises:

The USSD gateway sends the first USSD menu data to the terminal device;

The first USSD menu data is used for the terminal device to display a USSD menu, the USSD menu includes a USSD menu item, and the USSD menu item is used to trigger the terminal device to send the first USSD gateway to the USSD gateway. ask.
The method according to claim 14, wherein before the USSD gateway sends USSD menu data to the terminal device, the method further comprises:

The USSD gateway receives a third request sent by the terminal device, where the third request is used to request to provide the first USSD menu data.
The method according to claim 14 or 15, wherein before the USSD gateway sends the first USSD menu data to the terminal device, the method further comprises:

The USSD gateway sends a fourth request to the payment platform, where the fourth request is used to request to provide second USSD menu data;

The USSD gateway receives the second USSD menu data sent by the payment platform;

The USSD gateway sends first USSD menu data to the terminal device, including:

The USSD gateway sends the first USSD menu data to the terminal device based on the second USSD menu data.
The method according to any one of claims 12 to 16, wherein the payment character sequence further includes a second character sequence, the second character sequence includes at least one visible character, and the second character sequence uses for verifying the first character sequence.
The method according to any one of claims 12 to 17, wherein,

Before the first character sequence, the payment character sequence further includes a first delimiting character sequence, the first delimiting character sequence includes at least one visible character; and/or,

After the first sequence of characters, the sequence of payout characters further includes a second sequence of delimited characters, the second sequence of delimited characters including at least one visible character.
The method according to any one of claims 12 to 18, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange ASCII characters.
The method according to any one of claims 12 to 18, wherein the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange ASCII characters.
The method according to any one of claims 12 to 20, wherein after the USSD gateway sends the payment character sequence to the user's terminal device, the method further comprises:

The USSD gateway receives payment confirmation information sent by the payment platform, where the payment confirmation information includes prompt information for prompting the user to input the payment password of the payment account;

The USSD gateway sends the payment confirmation information to the terminal device;

The USSD gateway receives the payment password of the payment account sent by the terminal device;

The USSD gateway sends the payment password of the payment account to the payment platform.
The method of claim 21, wherein the payment confirmation information further includes order information of the user.
The method according to any one of claims 12 to 22, wherein after the USSD gateway sends the payment character sequence to the user's terminal device, the method further comprises:

The USSD gateway receives the payment result information of the user sent by the payment platform;

The USSD gateway sends the payment result information to the terminal device.
A payment method, characterized in that the method comprises:

The payment platform sends the payment character sequence to the unstructured supplementary service data USSD gateway;

Wherein, the payment character sequence includes a first character sequence, and the first character sequence includes a plurality of visible characters used to indicate the user's payment account, and the payment character sequence is used for display on the user's terminal device for display The checkout device scans to make payment through the payment account.
The method of claim 24, wherein the method further comprises:

receiving, by the payment platform, a second request sent by the USSD gateway, where the second request includes the second identifier of the user;

The payment platform generates the payment character sequence for the user in response to the second request;

The payment platform establishes a correspondence between the identification of the payment account and the first character sequence, and the identification of the payment account is obtained based on the second identification of the user.
The method according to claim 25, wherein before the payment platform receives the second request sent by the USSD gateway, the method further comprises:

receiving, by the payment platform, a fourth request sent by the USSD gateway, where the fourth request is used to request to provide second USSD menu data;

The payment platform sends the second USSD menu data to the USSD gateway;

The second USSD menu data is used by the USSD gateway to send the first USSD menu data to the terminal device, and the first USSD menu data is used by the terminal device to display a USSD menu, and the USSD menu includes USSD A menu item, where the USSD menu item is used to trigger the terminal device to send a first request to the USSD gateway, where the first request is used to trigger the USSD gateway to send the second request to the payment platform.
The method according to any one of claims 24 to 26, wherein the payment character sequence further includes a second character sequence, the second character sequence includes at least one visible character, and the second character sequence uses for verifying the first character sequence.
The method according to any one of claims 24 to 27, wherein,

Before the first character sequence, the payment character sequence further includes a first delimiting character sequence, the first delimiting character sequence includes at least one visible character; and/or,

After the first sequence of characters, the sequence of payout characters further includes a second sequence of delimited characters, the second sequence of delimited characters including at least one visible character.
The method according to any one of claims 24 to 28, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange ASCII characters.
The method according to any one of claims 24 to 28, wherein the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange ASCII characters.
The method according to any one of claims 24 to 30, wherein the first character sequence includes characters determined based on the user's mobile phone number and/or a first time, the first time being the Describe the generation time of the first character sequence.
The method according to any one of claims 24 to 31, wherein the first character sequence comprises random characters.
The method according to claim 27, wherein the binary number sequence corresponding to the second character sequence is composed of any binary number corresponding to each character in the first character sequence.
The method according to any one of claims 24 to 33, wherein after the payment platform sends the payment character sequence to the unstructured supplementary service data USSD gateway, the method further comprises:

receiving, by the payment platform, a payment request sent by the cash register device, the payment request carrying order information and a third character sequence obtained by the cash register device scanning the payment character sequence;

the payment platform determines an identification of the user's payment account based on the third sequence of characters;

The payment platform performs payment based on the order information and the identification of the user's payment account.
The method according to claim 34, wherein before the payment platform performs payment based on the order information and the identification of the payment account of the user, the method further comprises:

The payment platform sends payment confirmation information to the USSD gateway, where the payment confirmation information includes prompt information for prompting the user to input the payment password of the payment account;

The payment platform receives the payment password of the payment account sent by the USSD gateway;

The payment platform successfully verifies the payment password of the payment account.
The method according to claim 35, wherein the payment confirmation information carries the order information.
The method according to any one of claims 34 to 36, wherein the method further comprises:

The payment platform sends the payment result information of the user to the USSD gateway and the cash register device.
A payment method, characterized in that the method comprises:

The cash register device scans the payment character sequence displayed by the user's terminal device, and identifies the first character sequence in the payment character sequence to obtain the third character sequence;

The cash register device requests the payment platform to pay through the user's payment account based on the third character sequence;

Wherein, the first character sequence includes a plurality of visible characters generated by the payment platform and used to indicate the payment account.
The method of claim 38, wherein the payment character sequence further includes a second character sequence, the second character sequence including at least one visible character, the second character sequence being used to respond to the first character The character sequence is checked; before the cash register device requests the payment platform to pay through the user's payment account based on the third character sequence, the method further includes:

The cash register device recognizes the second character sequence in the payment character sequence to obtain a fourth character sequence;

The cash register device checks the third character sequence based on the fourth character sequence, and the check result is passed.
The method of claim 39, wherein

In the case that the verification result is unsuccessful, the method further includes: the cash register device prompts the position of the incorrectly recognized character in the third character sequence.
The method according to any one of claims 38 to 40, wherein, before the first character sequence, the payment character sequence further includes a first delimiting character sequence, and the first delimiting character sequence includes at least a visible character; and/or,

After the first sequence of characters, the sequence of payout characters further includes a second sequence of delimited characters, the second sequence of delimited characters including at least one visible character.
The method according to any one of claims 38 to 41, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange ASCII characters.
The method according to any one of claims 38 to 41, wherein the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange ASCII characters.
The method according to any one of claims 38 to 43, wherein the identifying the first character sequence in the payment character sequence to obtain the third character sequence comprises:

Identifying the first character sequence in the payment character sequence to obtain a fifth character sequence;

At least one character in the fifth character sequence is replaced with a preset similar character to obtain a third character sequence.
The method according to any one of claims 38 to 44, wherein the cash register device requests the payment platform to pay through the user's payment account based on the third character sequence, comprising:

The cash register device sends a payment request to the payment platform, and the payment request carries order information and a third character sequence.
The method according to any one of claims 38 to 45, wherein the method further comprises:

The cash register device receives the payment result information of the user sent by the payment platform;

The cash register device displays payment result information of the user.
A payment system, characterized in that the payment system comprises: a payment platform, an unstructured supplementary service data USSD gateway, a user's terminal device and a cash register device, wherein:

the payment platform, configured to send a payment character sequence to the USSD gateway;

the USSD gateway, configured to send the payment character sequence to the terminal device;

the terminal device, configured to display the payment character sequence for the cashier device to scan;

The cash register device is used for scanning the payment character sequence displayed by the user's terminal device, identifying the first character sequence in the payment character sequence to obtain a third character sequence; requesting the payment platform through the user based on the third character sequence payment account for payment;

Wherein, the payment character sequence includes a first character sequence, and the first character sequence includes a plurality of visible characters for indicating the payment account.
The system of claim 47, wherein:

The terminal device is further configured to present a USSD menu item; in response to a selection operation of the USSD menu item, send a first request for requesting to provide the payment character sequence to the USSD gateway, the first request including the first identification of the user;

The USSD gateway is further configured to, in response to the first request, send a second request to the payment platform, where the second request is used to request to provide the payment character sequence, and the second request carries the user the second identification, the second identification is determined based on the first identification;

The payment platform is further configured to, in response to the second request, generate the payment character sequence for the user; establish a correspondence between the identifier of the payment account and the first character sequence, and the payment The identity of the account is derived based on the second identity of the user.
The system of claim 48, wherein the terminal device presents USSD menu items, comprising:

The terminal device receives the first USSD menu data from the USSD gateway;

The terminal device displays a USSD menu based on the first USSD menu data, and the USSD menu includes the USSD menu item.
The system of claim 49, wherein

The terminal device is further configured to send a third request to the USSD gateway in response to a key input operation before receiving the USSD menu data from the USSD gateway, where the third request is used to request to provide the first USSD menu data.
The system according to any one of claims 47 to 50, wherein the payment character sequence further includes a second character sequence, the second character sequence includes at least one visible character, and the second character sequence uses for verifying the first character sequence;

The cash register device is further configured to identify the second character sequence in the payment character sequence to obtain a fourth character sequence before requesting the payment platform to pay through the user's payment account based on the third character sequence; The fourth character sequence verifies the third character sequence, and the verification result is passed.
The system of claim 51, wherein:

The cash register device is further configured to prompt the position of the wrongly recognized character in the third character sequence when the verification result is not passed.
The system according to any one of claims 47 to 52, characterized in that:

Before the first character sequence, the payment character sequence further includes a first delimiting character sequence, the first delimiting character sequence includes at least one visible character; and/or,

After the first sequence of characters, the sequence of payout characters further includes a second sequence of delimited characters, the second sequence of delimited characters including at least one visible character.
The system according to any one of claims 47 to 53, wherein the visible characters in the payment character sequence are visible American Standard Code for Information Interchange ASCII characters.
The system according to any one of claims 47 to 53, wherein the visible characters in the payment character sequence are high-recognition American Standard Code for Information Interchange ASCII characters.
A communication device, characterized in that the communication device includes a unit for implementing the method in any one of claims 1 to 11, or a unit for implementing the method in any one of claims 12 to 23. A unit, or a unit for implementing the method of any one of claims 24-37, or a unit for implementing the method of any one of claims 38-46.
A communication device comprising a processor, when the processor executes a computer program in a memory, the method according to any one of claims 1 to 11 is performed, or the method according to claim 12 to 23 is performed The method of any one of the above is performed, or the method of any one of claims 24 to 37 is performed, or the method of any one of claims 38 to 46 is performed.
A communication device, comprising a processor and a memory;

the memory is used to store computer-executable instructions;

The processor is configured to execute computer-executable instructions stored in the memory, so as to cause the communication device to perform the method of any one of claims 1 to 11, or to cause the communication device to execute the method of claims 12 to 12. 23, or cause the communication device to perform the method of any one of claims 24 to 37, or cause the communication device to perform the method of any one of claims 38 to 46 method described.
A communication device, comprising a processor, a memory and a transceiver;

the transceiver, for receiving signals or transmitting signals;

the memory for storing computer programs;

The processor, for calling the computer program from the memory to execute the method according to any one of claims 1 to 11, or for calling the computer program from the memory to execute the method according to claim 12 to 23, or for invoking the computer program from the memory to perform the method of any one of claims 24 to 37, or for invoking the computer program from the memory A method as claimed in any one of claims 38 to 46 is performed.
A communication device, comprising a processor and a communication interface;

The communication interface is used for communicating with other communication apparatuses; the processor is used for running a program, so that the communication apparatus implements the method according to any one of claims 1 to 11, or makes the communication apparatus implement The method according to any one of claims 12 to 23, or the communication device is caused to implement the method according to any one of claims 24 to 37, or the communication device is caused to realize the method according to claim 38 to 46 The method of any of the above.
A computer-readable storage medium, characterized in that, the computer-readable instructions are stored in the computer storage medium, and when the computer-readable instructions are executed on a communication device, the communication device is made to perform the method according to claim 1 to 11, or cause the communication device to perform the method of any one of claims 12 to 23, or cause the communication device to perform the method of any one of claims 24 to 37 the method described, or cause the communication device to perform the method according to any one of claims 38-46.
A computer program product, characterized in that the computer program product comprises: computer program code, which, when executed by a computer, causes the computer to execute the method according to any one of claims 1 to 11 , or cause the computer to execute the method as claimed in any one of claims 12 to 23, or cause the computer to execute the method as claimed in any one of claims 24 to 37, or cause the computer to execute the method as claimed in any one of claims 24 to 37. The method of any one of claims 38-46.