WO2023202155A1

WO2023202155A1 - Payment method, apparatus and device, and computer readable storage medium

Info

Publication number: WO2023202155A1
Application number: PCT/CN2022/143568
Authority: WO
Inventors: 刘刚; 才华; 詹成初
Original assignee: 中国银联股份有限公司
Priority date: 2022-04-20
Filing date: 2022-12-29
Publication date: 2023-10-26
Also published as: TW202343330A; CN114757667A

Abstract

The present application discloses a payment method, apparatus and device, and a computer readable storage medium. The payment method comprises: when a payment terminal is located within a target location area, establishing a connection with a first base station, wherein the target location area is a terminal sensing area covered by a plurality of base stations by means of networking, and the plurality of base stations comprise the first base station; sending an order obtaining request to the first base station, the order obtaining request being used for instructing the first base station to obtain, from a server, order information corresponding to the payment terminal; receiving the order information returned by the first base station; and performing an order payment operation on an order to be paid that corresponds to the order information. According to embodiments of the present application, shopping efficiency can be improved, and user experience is improved.

Description

Payment methods, devices, equipment and computer-readable storage media

Cross-references to related applications

This application claims priority to Chinese patent application 202210417757.5 titled "Payment Method, Device, Equipment and Computer-Readable Storage Medium" filed on April 20, 2022. The entire content of this application is incorporated herein by reference.

Technical field

This application belongs to the field of mobile wireless payment technology, and in particular relates to a payment method, device, equipment and computer-readable storage medium.

Background technique

At present, during major festivals or peak promotion seasons, the number of shoppers in major shopping malls is generally relatively large, and concentrated queues for settlement often occur.

In the existing technology, after a user purchases a product, he or she needs to first confirm the product category at the cashier counter. After confirmation, the user scans the QR code or presents the payment code to complete the payment.

However, in the case of densely populated shopping malls and poor mobile network coverage, the purpose of quick payment cannot be achieved. Moreover, due to the large number of shoppers, using QR codes to pay cannot improve the phenomenon of users queuing together, resulting in low shopping efficiency and affecting user experience.

Contents of the invention

Embodiments of the present application provide a payment method, device, equipment and computer-readable storage medium, which can improve shopping efficiency and enhance user experience.

In the first aspect, embodiments of the present application provide a payment method, applied to a payment terminal, and the method includes:

When the payment terminal is located in a target location area, a connection is established with the first base station, wherein the target location area is a terminal sensing area covered by a network of multiple base stations, and the multiple base stations include the third base station. a base station;

Send an order acquisition request to the first base station, where the order acquisition request is used to instruct the first base station to acquire order information corresponding to the payment terminal from the server;

Receive the order information returned by the first base station;

The order payment operation is performed for the order to be paid corresponding to the order information.

In the second aspect, embodiments of the present application provide a payment method applied to the first base station. The method includes:

When it is detected that there is a payment terminal in the target location area, a connection is established with the payment terminal, wherein the target location area is a terminal sensing area covered by a network of multiple base stations, and the multiple base stations include the The first base station;

Receive an order acquisition request sent by the payment terminal;

In response to the order acquisition request, obtain order information corresponding to the payment terminal from the server;

The order information is sent to the payment terminal, so that the payment terminal performs an order payment operation for the order to be paid corresponding to the order information.

In a third aspect, embodiments of the present application provide a payment device, which is applied to a payment terminal. The device includes:

A first connection module configured to establish a connection with the first base station when the payment terminal is located in a target location area, where the target location area is a terminal sensing area covered by a network of multiple base stations, and the A plurality of base stations includes the first base station;

A first sending module, configured to send an order acquisition request to the first base station after establishing a connection with the first base station when the payment terminal is located in the target location area, where the order acquisition request is used to indicate the The first base station obtains order information corresponding to the payment terminal from the server;

A first receiving module, configured to receive the order information returned by the first base station after sending an order acquisition request to the first base station;

The first payment module is used to perform order payment operations for the order to be paid corresponding to the order information.

In the fourth aspect, the embodiment of the present application provides a payment device, which is applied to the first base station. The device includes:

The second connection module is configured to establish a connection with the payment terminal when detecting the presence of a payment terminal in the target location area, where the target location area is a terminal sensing area covered by a network of multiple base stations, so The plurality of base stations include the first base station;

A second receiving module, configured to receive an order acquisition request sent by the payment terminal after establishing a connection with the payment terminal;

A first acquisition module, configured to acquire order information corresponding to the payment terminal from the server in response to the order acquisition request;

The second sending module is configured to send the order information to the payment terminal after obtaining the order information corresponding to the payment terminal from the server, so that the payment terminal performs the processing on the order to be paid corresponding to the order information. Order payment operations.

In a fifth aspect, embodiments of the present application provide an electronic device, which includes: a processor and a memory storing computer program instructions;

When the processor executes the computer program instructions, the steps of the payment method described in any embodiment of the first aspect and/or the second aspect are implemented.

In a sixth aspect, embodiments of the present application provide a computer-readable storage medium. Computer program instructions are stored on the computer-readable storage medium. When the computer program instructions are executed by a processor, the implementation of the first aspect and/or the second aspect is implemented. The steps of the payment method described in any embodiment.

In a seventh aspect, embodiments of the present application provide a computer program product. When instructions in the computer program product are executed by a processor of an electronic device, the electronic device causes the electronic device to execute any one of the first aspect and/or the second aspect. The steps of the payment method described in this embodiment.

The payment method, device, equipment and computer-readable storage medium in the embodiments of the present application establish a connection with the first base station when the payment terminal is located in the target location area, and obtain the payment terminal corresponding to the first base station through the first base station. Order information, allowing users to confirm orders and complete payment at the payment terminal. That is to say, after the payment terminal is connected to the first base station, the user does not need to complete the process of confirming the order and completing the payment at the cashier counter, but only needs to operate at the payment terminal. Therefore, queuing for settlement can be avoided. In addition, since the target location area is a large-scale open space, it can accommodate more users, thereby enabling multiple users to pay at the same time. In this way, through the method in the embodiment of the present application, the user can avoid queuing, quickly confirm the order and complete the payment. In turn, it can improve shopping efficiency and enhance shopping experience.

Description of the drawings

In order to explain the technical solutions of the embodiments of the present application more clearly, the drawings required to be used in the embodiments of the present application will be briefly introduced below. For those of ordinary skill in the art, without exerting creative efforts, they can also Additional drawings can be obtained from these drawings.

Figure 1 is a schematic flowchart of a payment method for interaction between a payment terminal and a first base station provided by an embodiment of the present application;

Figure 2 is a schematic flow chart of a payment method applied to a payment terminal provided by an embodiment of the present application;

Figure 3 is a schematic diagram of the UWB sensing area provided by an embodiment of the present application;

Figure 4 is a schematic diagram of UWB pointing to select a payment method provided by an embodiment of the present application;

Figure 5 is a schematic diagram of UWB pointing selection promotion activities provided by an embodiment of the present application;

Figure 6 is a schematic diagram of selecting a payment method by rotating a payment terminal according to an embodiment of the present application;

Figure 7 is a schematic flowchart of a payment method applied to the first base station provided by an embodiment of the present application;

Figure 8 is a schematic flowchart of a UWB-based sensorless payment method provided by an embodiment of the present application;

Figure 9 is a schematic structural diagram of a payment device applied to a payment terminal provided by an embodiment of the present application;

Figure 10 is a schematic structural diagram of a payment device applied to a first base station provided by an embodiment of the present application;

Figure 11 is a schematic structural diagram of an electronic device provided by an embodiment of the present application.

Detailed ways

Features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be described in further detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described here are only intended to explain the application, but not to limit the application. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of embodiments is merely intended to provide a better understanding of the present application by illustrating examples thereof.

It should be noted that in this article, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply that these entities or operations are mutually exclusive. any such actual relationship or sequence exists between them. Furthermore, the terms "comprises," "comprises," or any other variations thereof are intended to cover a non-exclusive inclusion such that a process, method, article, or apparatus that includes a list of elements includes not only those elements, but also those not expressly listed other elements, or elements inherent to the process, method, article or equipment. Without further limitation, an element defined by the statement "comprising..." does not exclude the presence of additional identical elements in a process, method, article, or device that includes the stated element.

However, the use of QR code payment has higher requirements on the network. In the case of densely populated shopping malls and poor mobile network coverage, using QR code payment may slow down the payment speed. In addition, as QR codes are graphic codes, there is a risk of being maliciously copied or remotely stolen, and their security is low. Furthermore, when there are a large number of shoppers, using QR codes to pay cannot improve the phenomenon of users queuing together, resulting in low shopping efficiency and affecting the user experience.

In order to solve the existing technical problems, embodiments of the present application provide a payment method, device, equipment and computer-readable storage medium. This payment method can be applied to shopping mall shopping scenarios. The payment method provided by the embodiment of the present application is first introduced below.

Figure 1 is a schematic flowchart of a payment method for interaction between a payment terminal and a first base station provided by an embodiment of the present application. As shown in Figure 1, the payment method may specifically include the following steps:

S110. When the payment terminal is located in the target location area, the payment terminal establishes a connection with the first base station, where the target location area is a terminal sensing area covered by a network of multiple base stations, and the multiple base stations include the first base station;

S120. The payment terminal sends an order acquisition request to the first base station;

S130. The first base station responds to the order acquisition request and obtains the order information corresponding to the payment terminal from the server;

S140. The payment terminal receives the order information returned by the first base station;

S150. The payment terminal performs an order payment operation on the order to be paid corresponding to the order information.

Here, the payment terminal can be a mobile device such as a smartphone, smart watch, smart bracelet, or tablet computer. The base station can be a UWB (Ultra Wide Band) base station, and the payment terminal can be a terminal with a UWB module. The UWB base station may include multiple UWB signal receivers and multiple standard wireless transceiver devices, where the standard wireless transceiver devices may be, for example, devices that support communication protocols such as WIFI networks, Bluetooth communication protocols, and 5G communication protocols. That is, UWB base stations can communicate through wireless communication channels. On this basis, the payment terminal can be connected to the first base station through the UWB module.

In addition, FIG. 2 is a schematic flowchart of a payment method applied to a payment terminal provided by an embodiment of the present application. As shown in Figure 2, the payment method may specifically include the following steps:

S210. When the payment terminal is located in the target location area, establish a connection with the first base station, where the target location area is a terminal sensing area covered by a network of multiple base stations, and the multiple base stations include the first base station;

S220. Send an order acquisition request to the first base station. The order acquisition request is used to instruct the first base station to acquire order information corresponding to the payment terminal from the server;

S230. Receive the order information returned by the first base station;

S240. Perform an order payment operation for the order to be paid corresponding to the order information.

Thus, by establishing a connection with the first base station when the payment terminal is located within the target location area, and obtaining the order information corresponding to the payment terminal through the first base station, the user can confirm the order and complete the payment at the payment terminal. That is to say, after the payment terminal is connected to the first base station, the user does not need to complete the process of confirming the order and completing the payment at the cashier counter, but only needs to operate at the payment terminal. Therefore, queuing for settlement can be avoided. In addition, since the target location area is a large-scale open space, it can accommodate more users, thereby enabling multiple users to pay at the same time. Furthermore, in this way, through the method in the embodiment of the present application, the user can avoid queuing, quickly confirm the order and complete the payment. In turn, it can improve shopping efficiency and enhance shopping experience.

The following describes the specific implementation of each of the above steps.

In some implementations, in S210, the first base station that establishes a connection with the payment terminal may be the base station that the payment terminal points to after entering the target location area, or may be a preset base station.

As an example, an open physical area can be arranged inside a shopping mall. With the technical characteristics of UWB equipment, multiple UWB base stations can be set up to form a network, which can be superimposed to form a UWB sensing area that can sense payment terminals, which is the UWB sensing area in this embodiment. target location area.

A schematic diagram of the UWB sensing area provided by an embodiment of the present application can be shown in Figure 3. In the UWB sensing area, the UWB base station can communicate and receive signals with multiple payment terminals at the same time, processing complex information requests.

As an example, within the UWB sensing area, the payment terminal can conduct point-to-point communication with the UWB base station. That is, the payment terminal can be connected to the first base station through the UWB module. Through the UWB base station, the payment terminal can interact with the mall backend server. Among them, information interaction can be user identity authentication, payment authorization binding, user order payment, and push notifications for shopping mall activities, etc.

Based on this, in order to improve the security of payment, in some embodiments, after the above S210 and before S220, it may also include:

Receive the user information acquisition request sent by the first base station;

In response to the user information acquisition request, obtain user information corresponding to the payment terminal;

The user information is sent to the first base station, so that the first base station performs identity authentication based on the user information.

Here, the user information may include the user's mobile phone number, membership card number, system model, version, factory key certificate, etc. of the payment terminal. The first base station can verify the mobile phone number, membership card number, system model, version, factory key certificate and other information of the payment terminal in the user information. If the verification is successful, the identity authentication is passed.

For example, during the identity authentication process, the first base station may send a user information acquisition request to the payment terminal, and the payment terminal collects the mobile phone number and the system model of the payment terminal input by the user, and sends them to the first base station as user information, so that the third base station can obtain the user information. A base station authenticates user information based on the pre-stored mobile phone number and factory key certificate. In addition, if the first base station determines that the user is a new user, that is, the user's mobile phone number and factory key certificate are not pre-stored, it can guide the user to register and configure the pre-stored user information.

In other examples, shopping mall consumer software can also be installed in the payment terminal, and the software can bind user information and payment card information. Based on this, when the payment terminal receives the user information acquisition request sent by the first base station, the shopping mall consumer software in the payment terminal can directly send the bound user information to the first base station, so that the first base station can process the payment terminal user. Authentication.

In this way, by sending the user information to the first base station so that the first base station performs identity authentication based on the user information, payment security can be improved.

In some implementations, in S220, the server may be a server in a shopping mall backend. For example, after the user completes the purchase, the counter service staff can enter the order and the user's mobile phone number through the counter machine, and upload it to the mall's backend server. Alternatively, the counter service staff can enter the order and the unique identification of the user's payment terminal through the counter machine, and upload it to the mall's backend server. In addition, after completing the entry work, the counter service staff can inform the user to enter the UWB sensing area for order confirmation and payment.

As an example, after the user arrives at the UWB sensing area, the first base station in the area can automatically sense the payment terminal and authenticate the user's identity. When the first base station passes the user identity authentication, the payment terminal may send an order acquisition request to the first base station, so that the UWB base station obtains order information corresponding to the payment terminal based on the user information.

For example, before the first base station obtains the order information corresponding to the payment terminal based on the user information, the first base station may also push an authorization prompt message to the payment terminal to request the user of the payment terminal to authorize the base station to use the user's mobile phone number. For example, after the user reaches the UWB sensing area, the user's payment terminal can receive an authorization prompt message "requesting authorization of mobile phone number", and the user can choose to authorize in the payment terminal. After the payment terminal authorizes the payment terminal, the first base station can use the user's mobile phone number to obtain the order information corresponding to the user's mobile phone number from the server.

In some implementations, in S230, after the payment terminal sends the order acquisition request to the first base station, it can wait for and receive the order information returned by the first base station. The order information can be displayed on the payment terminal, and the user can check the order information.

In some embodiments, in S240, after the user has verified that the order information is correct, the user can select "Confirm Payment" on the payment terminal to perform an order payment operation on the order to be paid corresponding to the order information.

For example, the payment terminal can interact with the shopping mall backend, payment backend, and bank backend through the UWB base station to complete the order payment operation for the order to be paid. Of course, you can also interact with the shopping mall backend, payment backend and bank backend through communication methods such as Bluetooth communication protocol, WIFI network, 5G communication protocol, etc. to complete the order payment operation for the order to be paid. This embodiment does not limit the communication method used in the final payment process.

In addition, after the user completes the payment, the mall backend notifies the counter, and the counter service staff will deliver the goods to the UWB sensing area and hand them over to the user. Among them, the shopping mall backend can obtain the user's location information through the positioning function of the UWB base station, or through Bluetooth communication protocol, WIFI network, 5G communication protocol, etc.

Based on this, in order to improve user experience, in some implementations, the above S240 may specifically include:

Receive the user's first input for adjusting the direction indicated by the payment terminal;

In response to the first input, obtaining a first direction indicated by the payment terminal;

When the first direction is within a first angle range, obtain the first payment information corresponding to the first orientation, wherein the first angle range is the angle range corresponding to the first orientation in the target location area;

For the order to be paid corresponding to the order information, the order payment operation is performed according to the first payment information.

Here, the first input may be a user's rotation operation on the payment terminal, for example, rotation along a horizontal plane to change the orientation of the payment terminal. In addition, the orientation can have both the direction concept and the position concept. UWB base stations can be arranged separately in different orientations of the UWB sensing area. In addition, different payment information can correspond to different base stations. In this way, by the user rotating the payment terminal and adjusting the direction of the payment terminal so that the payment terminal points to different base stations, the selection of different payment information can be realized.

In addition, in the embodiment of the present application, different prompt signs can also be set at different directions corresponding to different base stations in the target location area. In this way, the user can choose to turn the payment terminal to the corresponding payment information according to the prompt signs to realize the payment. Payment Information Selection.

As an example, the payment information may include at least one of payment method information and preferential activity information. Correspondingly, different base stations may correspond to at least one of different payment methods or preferential activities.

In a specific example, as shown in Figure 4, 4 payment methods are provided in the 4 directions corresponding to the target location area, namely payment method 1, payment method 2, payment method 3 and payment method 4. Each payment method The modes can respectively correspond to one orientation.

After the user enters the UWB sensing area, the payment terminal can establish a connection with the UWB base station and conduct signal interaction. On this basis, the user can turn the payment terminal according to the prompts about the payment method around the UWB sensing area so that the direction of the payment terminal points to the direction corresponding to the payment method. The direction indicated by the payment terminal may be the direction indicated by the signal transmitting end of the payment terminal. For example, in Figure 4, if the user wants to choose payment method 2 for payment, he can rotate the payment terminal as shown in Figure 4 to the right and stop in the direction corresponding to payment method 2, thereby realizing payment method 2. s Choice.

In addition, when the direction indicated by the payment terminal is within the first angle range, the payment method corresponding to the angle range can be awakened. The first angle range may be an angular range of positive and negative preset angles of the first orientation. Here, the preset angle may be, for example, 30°, and of course it may also be other angles, which are not limited here.

For example, if the base station corresponding to payment method 2 is arranged in the direction of 45° north by east, the angle range corresponding to the payment method 2 may be between 15° and 75° north by east. In this way, when the user turns the payment terminal to the indicated direction between 15° and 75° north by east, the base station corresponding to payment method 2 can sense it and wake up the payment method 2 in the payment terminal as the user's current choice. payment method.

In another specific example, as shown in Figure 5, 5 types of preferential activities are provided in the 5 directions corresponding to the target location area, namely discounts, coupons, single orders, full discounts and promotions. Each preferential activity can Each corresponds to an orientation.

After the user enters the UWB sensing area, the payment terminal can establish a connection with the UWB base station and conduct signal interaction. On this basis, the user can turn the payment terminal according to the prompts about the preferential activities around the UWB sensing area so that the direction of the payment terminal points to the direction corresponding to the preferential activities.

For example, if the base station corresponding to the promotion of "50 off for spending over 500" is arranged in the direction of 45° north-west, the angle range corresponding to the promotion may be between 15° and 75° north-west. In this way, when the user turns the payment terminal to the indicated direction between 15° and 75° north-west, the base station corresponding to the promotion can sense it and wake up the promotion in the payment terminal as the promotion currently selected by the user Activity. On this basis, the payment terminal can calculate the transaction amount discount based on information such as current order information, payment amount prompted by promotional activities, discount amount, and better order configuration.

In another specific example, after the user enters the UWB sensing area, the user can turn the payment terminal according to the prompts about the payment method around the UWB sensing area so that the direction of the payment terminal points to the direction corresponding to the payment method. Then, according to the prompts about promotional activities around the UWB sensing area, rotate the payment terminal so that the direction of the payment terminal points to the direction corresponding to the promotional activities. That is, users can choose payment methods and promotions by turning the payment terminal. Furthermore, you can obtain the payment method with the greatest discount. In addition, the order of selecting payment methods and promotions is not limited here.

For example, if the base station corresponding to the "50 off for spending over 500" promotion is arranged in the direction of 45° north by west, the base station corresponding to payment method 2 is arranged in the direction of 45° north by east. Then when the user turns the payment terminal to the indicated direction of between 15° and 75° north-west, the base station corresponding to the promotion can sense it and wake up the promotion in the payment terminal as the promotion currently selected by the user. . On the other hand, when the user turns the payment terminal to the indicated direction between 15° and 75° north by east, the base station corresponding to payment method 2 can sense it and wake up the payment method 2 in the payment terminal as the user's current selection. payment method. Furthermore, the payment terminal can calculate the amount to be paid on the basis of the "50 off if you spend over 500" promotion, and then pay the amount using payment method 2.

In this way, by obtaining the first payment information corresponding to the first orientation when the first direction is within the first angle range, the user can select a payment method or preferential activity by rotating the payment terminal. When the user selects a payment method by turning the payment terminal, it can avoid the tediousness of the user's manual selection of payment methods, increase convenience and fun, and improve user experience. When users select preferential activities by turning the payment terminal, the tedious manual calculation of discount amounts, maximum discount methods, etc. can be avoided, effectively bringing discounts to users and improving user experience.

Based on this, in order to improve the convenience of user operations, in some embodiments, before receiving the user's first input for adjusting the direction indicated by the payment terminal, it may also include:

Display payment information corresponding to the multiple orientations respectively according to multiple orientations preset in the target location area, where the multiple orientations are determined by the positions of multiple base stations, and the multiple orientations include a first orientation and a second orientation;

Obtain the second direction indicated by the payment terminal;

When the second direction is within the second angular range, mark the second payment information corresponding to the second azimuth in the displayed payment information corresponding to the plurality of directions, wherein the second angular range is within the target location area. The angle range corresponding to the second orientation;

After obtaining the first payment information corresponding to the first location, it may also include:

In the displayed payment information respectively corresponding to the plurality of directions, the first payment information is switched to be marked.

Here, the first payment information can be marked through enlarged display, bold display, focused display, arrow indication, etc.

As an example, on the display interface of the payment terminal, the payment information icon and arrow direction may be displayed as a reference for adjusting the direction indicated by the payment terminal.

A schematic diagram of turning a payment terminal to select a payment method provided by an embodiment of the present application can be shown in Figure 6 . In Figure 6, it can be seen from the arrow that the current payment method is payment method 3. In addition, payment method 2 is located to the left of payment method 3. Therefore, if the user wants to change the payment method to payment method 2, he can turn the payment terminal to the left until the arrow in the payment terminal points to payment method 2 and stop.

In this way, by switching to mark the first payment information in the displayed payment information corresponding to multiple directions, the user can switch the payment information according to the prompt information of the payment terminal, which improves the convenience of user operation.

Based on this, in order to facilitate users to select the most favorable payment information, in some embodiments, after obtaining the first payment information corresponding to the first location, it may also include:

Determine the amount information corresponding to the order to be paid based on the first payment information;

Display amount information.

Here, the amount information includes but is not limited to the amount information to be paid, the discount amount information and the amount information before the discount.

As an example, the user can compare the payment amounts in different payment information by rotating the payment terminal, and select the payment information with a smaller payment amount to pay for the order.

In this way, by displaying the amount information, the user can compare each amount information and select the smallest payment amount for payment. Therefore, it is convenient for users to choose the most favorable payment information.

Based on this, in order to recommend payment information with greater discounts to users, in some implementations, it may also include:

Determine the recommended payment configuration information corresponding to the order to be paid based on the payment information corresponding to multiple directions;

Display recommended payment configuration information.

Here, the recommended payment configuration information may be payment information with a greater discount. The recommended payment configuration information can be obtained by combining payment method information and preferential activity information from the payment terminal.

For example, if there are two payment methods in the payment terminal, payment method 1 and payment method 2, and two preferential activities, promotion 1 and promotion 2, then there can be a total of (payment method 1 + promotion 1), (payment method 1 + Promotion 2), (Payment Method 2 + Promotion 1) and (Payment Method 2 + Promotion 2) four combination methods. On this basis, if the payment amount paid through payment method 1 is less than the payment amount paid through payment method 2, and the amount reduced through preferential activity 1 is greater than the amount reduced through preferential activity 2, then (payment method 1 + The combination method of preferential activity 1) is determined as the recommended payment configuration information. In this way, by displaying the recommended payment configuration information, payment information with greater discounts can be recommended to the user.

In addition, this application also provides a payment method applied to the first base station. For details, please refer to the following embodiments.

Figure 7 shows a schematic flowchart of an embodiment of the payment method applied to the first base station provided by this application. Please refer to Figure 7. The payment method provided by this application includes the following steps:

S710. When detecting the presence of a payment terminal in the target location area, establish a connection with the payment terminal, where the target location area is a terminal sensing area covered by a network of multiple base stations, and the multiple base stations include the first base station;

S720. Receive the order acquisition request sent by the payment terminal;

S730. In response to the order acquisition request, obtain the order information corresponding to the payment terminal from the server;

S740. Send the order information to the payment terminal, so that the payment terminal performs an order payment operation on the order to be paid corresponding to the order information.

Thus, by detecting that the payment terminal is located within the target location area, a connection is established with the payment terminal and corresponding order information is sent to the payment terminal, thereby enabling the user to confirm the order and complete payment at the payment terminal. That is to say, after the payment terminal is connected to the first base station, the user does not need to complete the process of confirming the order and completing the payment at the cashier counter, but only needs to operate at the payment terminal. Therefore, queuing for settlement can be avoided. In addition, since the target location area is a large-scale open space, it can accommodate more users, thereby enabling multiple users to pay at the same time. In this way, through the methods in the embodiments of this application, users can avoid queuing, quickly confirm orders and complete payment, thereby improving shopping efficiency and shopping experience.

For relevant explanations of each of the above steps, please refer to the relevant parts of the foregoing embodiments and will not be described again here.

Based on this, in order to improve the security of payment, in some embodiments, after the above S710 and before S720, it may also include:

Send a user information acquisition request to the payment terminal, the user information acquisition request is used to instruct the payment terminal to obtain user information corresponding to the payment terminal;

Receive user information corresponding to the payment terminal;

Perform identity authentication on user information and obtain authentication results;

Obtain order information corresponding to the payment terminal from the server, including:

When the authentication result is that the authentication is passed, the order information corresponding to the payment terminal is obtained from the server based on the user information.

Here, the user information may include the user's mobile phone number, membership card number, system model, version, factory key certificate, etc. of the payment terminal. The first base station can compare and verify the mobile phone number, membership card number, system model, version, factory key certificate and other information of the payment terminal in the user information with the pre-stored information. If the verification is successful, the identity authentication is passed.

On the other hand, during the identity authentication process, if it is determined that the user is a new user, the user can be guided to register and configure user information.

When the UWB base station passes the user identity authentication, it can receive the order acquisition request sent by the payment terminal, and obtain the order information corresponding to the user's mobile phone number or the appearance key certificate of the payment terminal from the server in the mall backend.

In this way, when the user identity authentication is passed, the order information corresponding to the user's mobile phone number is obtained from the server in the mall backend, which can improve the security of payment.

In order to better describe the entire solution, some specific examples are given based on the above embodiments.

For example, the flow chart of the UWB-based sensorless payment method is shown in Figure 8. This payment method can include S810-S890, which are explained in detail below.

S810, the payment terminal enters the UWB sensing area and establishes a connection.

S820, UWB determines the user based on the link device, obtains user information, and performs identity verification; at the same time, it obtains user information and sends it to the background for verification.

S830, after the authentication is completed, the payment terminal requests an order and initiates a transaction in the sensing area.

S840, query the backend for orders based on user information.

S850, the shopping mall background query returns order information.

S860, the payment terminal receives the order confirmation information, turns the direction of the payment terminal to select the payment method, or turns the direction of the payment terminal to select preferential activities, selects reduction or discount, and finally initiates payment.

S870: The base station receives the final processed payment information and sends it to the debit agency through the shopping mall.

S880, receive the deduction information and send it to the bank for transaction processing.

S890, the bank system performs deduction processing, and the information returns to the original path after the transaction is completed.

In some specific examples, after the payment terminal enters the UWB sensing area, the UWB base station can sense the payment terminal device through the chip and establish a connection with the payment terminal. After the payment terminal establishes a connection with the UWB base station in the UWB induction area, the UWB base station can authenticate the identity of the payment terminal and obtain identity information and payment authority information. If it is determined that the user is a new user, the user can be guided to register and configure personal information. If the user information can be read, the user information can be sent to the background to query the user order. After the authentication is completed, for users who have orders, the payment terminal can initiate an order payment request and make payment in the sensing area. During the entire shopping process, after the user completes the purchase, the counter service staff can enter the order and the user's mobile phone number through the counter machine, and finally the user enters the UWB induction area to complete the payment.

The UWB base station can receive user requests and retrieve user orders from the mall backend using the obtained user requests and user information, such as the user's mobile phone number. Furthermore, the mall backend can query user orders based on user information and return them to the payment terminal through the UWB base station. After receiving the product order information and confirming the order information, the payment terminal can initiate order payment in the UWB sensing area.

During the above order payment process, users can judge by themselves how the mall will arrange UWB base stations and prompt signs at different locations in the UWB sensing area, and turn the direction of the payment terminal to select different payment methods. For example, if the user's mobile payment terminal points to payment method 2, and UWB determines that the angle of the user terminal is within the preset azimuth angle, it can wake up this azimuth angle and use payment method 2 as the payment method. At the same time, the direction of the arrow can be displayed on the payment terminal as a reference. If the user changes the direction of the terminal, he can change other payment methods. Among them, users can turn the mobile phone direction at will and choose different payment methods.

Alternatively, users can point to different angles to automatically select offers. For example, if the user points the payment terminal to the "500 minus 50" activity payment, and UWB determines that the user's terminal angle is within the preset azimuth angle, it can wake up this azimuth angle to calculate the transaction amount discount. The payment terminal can calculate the transaction amount discount based on the current transaction information, payment amount prompted by promotional activities, discount amount, better order configuration and other information.

Furthermore, the user can choose the payment method directed by the terminal for settlement, and the terminal can forward the final payment request (including orders with reduction/discount) to the mall backend via the UWB base station.

After the UWB base station receives the processed user payment request and sends it to the mall backend, the mall backend can send the payment request to the backend of the third-party payment platform. Furthermore, the backend of the third-party payment platform receives the deduction information of the payment request and sends it to the bank's backend for deduction payment. Finally, the bank system performs the deduction operation and returns the deduction information step by step.

Therefore, the order information is obtained through information communication between the payment terminal and the UWB base station. After the user confirms, the payment can be completed on the terminal. After the payment is confirmed, the order information is transmitted to the mall backend. From the user experience level, it can save product settlement time and improve user shopping experience. From the payment level, compared with QR code and contactless payment, the use of UWB location judgment and information transmission improves payment security, eliminates the risk of malicious copying of graphic codes and remote theft, realizes non-sense identification payment, and improves payment security. The security and convenience of mobile payment.

It should be noted that the application scenarios described in the embodiments of the present application are for the purpose of more clearly explaining the technical solutions of the embodiments of the present application, and do not constitute a limitation on the technical solutions provided by the embodiments of the present application. Those of ordinary skill in the art will know that With the emergence of new application scenarios, the technical solutions provided by the embodiments of this application are also applicable to similar technical problems.

Based on the same inventive concept, this application also provides a payment device applied to a payment terminal. Detailed description will be given in conjunction with Figure 9 .

Figure 9 is a schematic structural diagram of a payment device applied to a payment terminal provided by an embodiment of the present application.

As shown in Figure 9, the payment device 900 may include:

The first connection module 901 is used to establish a connection with the first base station when the payment terminal is located in the target location area, where the target location area is a terminal sensing area covered by a network of multiple base stations, and the multiple base stations include all The first base station;

The first sending module 902 is configured to send an order acquisition request to the first base station after establishing a connection with the first base station when the payment terminal is located in the target location area. The order acquisition request is used to instruct the first base station to obtain the order information from the server. Order information corresponding to the payment terminal;

The first receiving module 903 is configured to receive the order information returned by the first base station after sending an order acquisition request to the first base station;

The first payment module 904 is used to perform an order payment operation for the order to be paid corresponding to the order information.

The above-mentioned payment device 900 will be described in detail below, as follows:

In some embodiments, the first payment module 904 may specifically include:

The receiving submodule is used to receive the user's first input for adjusting the direction indicated by the payment terminal;

A first acquisition submodule, configured to acquire the first direction indicated by the payment terminal in response to the first input;

The second acquisition sub-module is used to acquire the first payment information corresponding to the first orientation when the first direction is within a first angle range, where the first angle range corresponds to the first orientation in the target location area. angle range;

The payment sub-module is used to perform order payment operations according to the first payment information for the order to be paid corresponding to the order information.

In some embodiments, the first payment module 904 may further include:

The first display submodule is configured to display payment information respectively corresponding to the multiple orientations according to the multiple orientations preset in the target location area before receiving the first input from the user for adjusting the direction indicated by the payment terminal, wherein the multiple orientations are An orientation is determined by the positions of multiple base stations, and the multiple orientations include a first orientation and a second orientation;

The third acquisition submodule is used to acquire the second direction indicated by the payment terminal after displaying payment information corresponding to multiple directions;

The marking submodule is used to mark the second payment information corresponding to the second orientation in the displayed payment information corresponding to the plurality of orientations when the second direction is within the second angle range, wherein the second angle The range is the angle range corresponding to the second orientation in the target position area;

Based on this, the first payment module 904 may specifically include:

The switching submodule is configured to, after acquiring the first payment information corresponding to the first orientation, switch to mark the first payment information in the displayed payment information respectively corresponding to the plurality of orientations.

In some embodiments, the payment information may include at least one of payment method information and promotional activity information.

In some embodiments, the first payment module 904 may further include:

The first determination sub-module is used to determine the amount information corresponding to the order to be paid according to the first payment information after obtaining the first payment information corresponding to the first location;

The second display submodule is used to display the amount information after determining the amount information corresponding to the order to be paid according to the first payment information.

In some embodiments, the first payment module 904 may further include:

The second determination sub-module is used to determine the recommended payment configuration information corresponding to the order to be paid based on the payment information corresponding to multiple directions;

The third display submodule is used to display the recommended payment configuration information after determining the recommended payment configuration information corresponding to the order to be paid.

In some embodiments, the payment device 900 may also include:

The third receiving module is configured to receive the user information acquisition request sent by the first base station after establishing a connection with the first base station and before sending the order acquisition request to the first base station;

a second acquisition module, configured to acquire user information corresponding to the payment terminal in response to the user information acquisition request;

The third sending module is used to send user information to the first base station, so that the first base station performs identity authentication based on the user information.

In some embodiments, the base station may be an ultra-wideband UWB base station, and the payment terminal may be a terminal with a UWB module.

Based on the same inventive concept, this application also provides a payment device applied to the first base station. Detailed description will be given in conjunction with Figure 10 .

Figure 10 is a schematic structural diagram of a payment device applied to a first base station according to an embodiment of the present application.

As shown in Figure 10, the payment device 1000 may include:

The second connection module 1001 is used to establish a connection with the payment terminal when detecting the presence of a payment terminal in the target location area, where the target location area is a terminal sensing area covered by a network of multiple base stations, and the multiple base stations include The first base station;

The second receiving module 1002 is used to receive an order acquisition request sent by the payment terminal after establishing a connection with the payment terminal;

The first acquisition module 1003 is configured to acquire order information corresponding to the payment terminal from the server in response to the order acquisition request;

The second sending module 1004 is configured to send the order information to the payment terminal after obtaining the order information corresponding to the payment terminal from the server, so that the payment terminal performs an order payment operation for the order to be paid corresponding to the order information.

The above-mentioned payment device 1000 will be described in detail below, as follows:

In some embodiments, the payment device 1000 may also include:

The fourth sending module is used to send a user information acquisition request to the payment terminal after establishing a connection with the payment terminal and before receiving the order acquisition request sent by the payment terminal. The user information acquisition request is used to instruct the payment terminal to obtain the order information related to the payment. User information corresponding to the terminal;

The fourth receiving module is used to receive user information corresponding to the payment terminal;

The authentication module is used to perform identity authentication on the user information after receiving the user information corresponding to the payment terminal, and obtain the authentication result;

Based on this, the first acquisition module 1003 may specifically include:

The fourth acquisition sub-module is used to acquire order information corresponding to the payment terminal from the server based on user information when the authentication result is authentication passed.

Thus, by detecting that the payment terminal is located within the target location area, a connection is established with the payment terminal and corresponding order information is sent to the payment terminal, thereby enabling the user to confirm the order and complete payment at the payment terminal. That is to say, after the payment terminal is connected to the first base station, the user does not need to complete the process of confirming the order and completing the payment at the cashier counter, but only needs to operate at the payment terminal. Therefore, queuing for settlement can be avoided. In addition, since the target location area is a large-scale open space, it can accommodate more users, thereby enabling multiple users to pay at the same time. In this way, through the method in the embodiment of the present application, the user can avoid queuing, quickly confirm the order and complete the payment. In turn, it can improve shopping efficiency and enhance shopping experience.

The electronic device 1100 may include a processor 1101 and a memory 1102 storing computer program instructions.

Specifically, the above-mentioned processor 1101 may include a central processing unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more integrated circuits according to the embodiments of the present application.

Memory 1102 may include bulk storage for data or instructions. By way of example, and not limitation, the memory 1102 may include a hard disk drive (HDD), a floppy disk drive, flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a Universal Serial Bus (USB) drive or two or more A combination of many of the above. Memory 1102 may include removable or non-removable (or fixed) media, where appropriate. Where appropriate, the memory 1102 may be internal or external to the integrated gateway disaster recovery device. In certain embodiments, memory 1102 is non-volatile solid-state memory.

In particular embodiments, memory may include read-only memory (ROM), random access memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, generally, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or multiple processors) operable to perform the operations described with reference to a method according to an aspect of the present application.

The processor 1101 reads and executes the computer program instructions stored in the memory 1102 to implement any of the payment methods in the above embodiments.

In some examples, electronic device 1100 may also include communication interface 1103 and bus 1110 . Among them, as shown in Figure 11, the processor 1101, the memory 1102, and the communication interface 1103 are connected through the bus 1110 and complete communication with each other.

The communication interface 1103 is mainly used to implement communication between modules, devices, units and/or equipment in the embodiments of this application.

Bus 1110 includes hardware, software, or both, coupling the components of the online data traffic metering device to each other. By way of example, and not limitation, bus 1110 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a front side bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) ) bus, Infinite Bandwidth Interconnect, Low Pin Count (LPC) bus, Memory bus, Micro Channel Architecture (MCA) bus, Peripheral Component Interconnect (PCI) bus, PCI-Express (PCI-X) bus, Serial Advanced Technology Attachment (SATA) bus, Video Electronics Standards Association Local (VLB) bus or other suitable bus or a combination of two or more of these. Where appropriate, bus 1110 may include one or more buses. Although the embodiments of this application describe and illustrate a specific bus, this application contemplates any suitable bus or interconnection.

Illustratively, the electronic device 1100 may be a mobile phone, a tablet computer, a notebook computer, a palmtop computer, a vehicle-mounted electronic device, an ultra-mobile personal computer (UMPC), a netbook or a personal digital assistant (Personal Digital Assistant, PDA). wait.

The electronic device 1100 can execute the payment method in the embodiment of the present application, thereby realizing the payment method and device described in conjunction with FIG. 1 and FIG. 10 .

In addition, in combination with the payment method in the above embodiment, the embodiment of the present application can be implemented by providing a computer-readable storage medium. Computer program instructions are stored on the computer-readable storage medium; when the computer program instructions are executed by the processor, any one of the payment methods in the above embodiments is implemented. Examples of computer-readable storage media include non-transitory computer-readable storage media such as portable disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory) ), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, etc.

To be clear, this application is not limited to the specific configurations and processes described above and illustrated in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present application is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications and additions, or change the order between steps after understanding the spirit of the present application.

The functional blocks shown in the above structural block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, or the like. When implemented in software, elements of the application are programs or code segments that are used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted over a transmission medium or communications link via a data signal carried in a carrier wave. "Machine-readable medium" may include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, and the like. Code segments may be downloaded via computer networks such as the Internet, intranets, and the like.

It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above steps, that is to say, the steps may be performed in the order mentioned in the embodiments, or may be different from the order in the embodiments, or several steps may be performed simultaneously.

Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine such that execution of the instructions via the processor of the computer or other programmable data processing apparatus enables Implementation of the functions/actions specified in one or more blocks of a flowchart and/or block diagram. Such a processor may be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It will also be understood that each block in the block diagrams and/or flowchart illustrations, and combinations of blocks in the block diagrams and/or flowchart illustrations, can also be implemented by special purpose hardware that performs the specified functions or actions, or can be implemented by special purpose hardware and A combination of computer instructions.

The above are only specific implementation modes of the present application. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the above-described systems, modules and units can be referred to the foregoing method embodiments. The corresponding process will not be described again here. It should be understood that the protection scope of the present application is not limited thereto. Any person familiar with the technical field can easily think of various equivalent modifications or substitutions within the technical scope disclosed in the present application, and these modifications or substitutions should be covered. within the protection scope of this application.

Claims

A payment method, applied to a payment terminal, the method includes:

When the payment terminal is located in a target location area, a connection is established with the first base station, wherein the target location area is a terminal sensing area covered by a network of multiple base stations, and the multiple base stations include the third base station. a base station;

Send an order acquisition request to the first base station, where the order acquisition request is used to instruct the first base station to acquire order information corresponding to the payment terminal from the server;

Receive the order information returned by the first base station;

The order payment operation is performed for the order to be paid corresponding to the order information.
The method according to claim 1, wherein the order payment operation for the order to be paid corresponding to the order information includes:

Receive the user's first input for adjusting the direction indicated by the payment terminal;

In response to the first input, obtaining a first direction indicated by the payment terminal;

When the first direction is within a first angle range, obtain the first payment information corresponding to the first orientation, wherein the first angle range is the angle corresponding to the first orientation in the target location area. scope;

For the order to be paid corresponding to the order information, the order payment operation is performed according to the first payment information.
The method according to claim 2, wherein before receiving the user's first input for adjusting the indicated direction of the payment terminal, the method further includes:

According to multiple directions preset in the target location area, payment information corresponding to the multiple directions is displayed, wherein the multiple directions are determined by the positions of the multiple base stations, and the multiple directions include the first and second directions;

Obtain the second direction indicated by the payment terminal;

When the second direction is within the second angle range, in the displayed payment information respectively corresponding to the plurality of directions, the second payment information corresponding to the second direction is marked, wherein the third The second angular range is the angular range corresponding to the second orientation in the target position area;

After obtaining the first payment information corresponding to the first location, the method further includes:

In the displayed payment information respectively corresponding to the plurality of directions, switch to mark the first payment information.
The method of claim 3, wherein the payment information includes at least one of payment method information and promotional activity information.
The method of claim 2, wherein after obtaining the first payment information corresponding to the first location, the method further includes:

Determine the amount information corresponding to the order to be paid according to the first payment information;

Display the amount information.
The method of claim 5, further comprising:

Determine the recommended payment configuration information corresponding to the order to be paid based on the payment information corresponding to the multiple directions;

Display the recommended payment configuration information.
The method according to claim 1, wherein after establishing a connection with the first base station and before sending an order acquisition request to the first base station, the method further includes:

Receive the user information acquisition request sent by the first base station;

In response to the user information acquisition request, obtain user information corresponding to the payment terminal;

The user information is sent to the first base station, so that the first base station performs identity authentication based on the user information.
The method according to any one of claims 1 to 7, wherein the base station is an ultra-wideband UWB base station, and the payment terminal is a terminal with a UWB module.
A payment method, applied to the first base station, the method includes:

When it is detected that there is a payment terminal in the target location area, a connection is established with the payment terminal, wherein the target location area is a terminal sensing area covered by a network of multiple base stations, and the multiple base stations include the The first base station;

Receive an order acquisition request sent by the payment terminal;

In response to the order acquisition request, obtain order information corresponding to the payment terminal from the server;

The order information is sent to the payment terminal, so that the payment terminal performs an order payment operation for the order to be paid corresponding to the order information.
The method according to claim 9, wherein after establishing a connection with the payment terminal and before receiving the order acquisition request sent by the payment terminal, the method further includes:

Send a user information acquisition request to the payment terminal, where the user information acquisition request is used to instruct the payment terminal to acquire user information corresponding to the payment terminal;

Receive user information corresponding to the payment terminal;

Perform identity authentication on the user information and obtain the authentication result;

Obtaining order information corresponding to the payment terminal from the server includes:

When the authentication result is authentication passed, the order information corresponding to the payment terminal is obtained from the server according to the user information.
A payment device, applied to a payment terminal, the device includes:

A first connection module configured to establish a connection with the first base station when the payment terminal is located in a target location area, where the target location area is a terminal sensing area covered by a network of multiple base stations, and the A plurality of base stations includes the first base station;

A first sending module, configured to send an order acquisition request to the first base station after establishing a connection with the first base station when the payment terminal is located in the target location area, where the order acquisition request is used to indicate the The first base station obtains order information corresponding to the payment terminal from the server;

A first receiving module, configured to receive the order information returned by the first base station after sending an order acquisition request to the first base station;

The first payment module is used to perform order payment operations for the order to be paid corresponding to the order information.
A payment device, applied to the first base station, the device includes:

The second connection module is configured to establish a connection with the payment terminal when detecting the presence of a payment terminal in the target location area, where the target location area is a terminal sensing area covered by a network of multiple base stations, so The plurality of base stations include the first base station;

A second receiving module, configured to receive an order acquisition request sent by the payment terminal after establishing a connection with the payment terminal;

A first acquisition module, configured to acquire order information corresponding to the payment terminal from the server in response to the order acquisition request;

The second sending module is configured to send the order information to the payment terminal after obtaining the order information corresponding to the payment terminal from the server, so that the payment terminal performs the processing on the order to be paid corresponding to the order information. Order payment operations.
A payment device, including: a processor and a memory storing computer program instructions;

When the processor executes the computer program instructions, the steps of the payment method according to any one of claims 1-8 or 9-10 are implemented.
A computer-readable storage medium. Computer program instructions are stored on the computer-readable storage medium. When the computer program instructions are executed by a processor, the payment as described in any one of claims 1-8 or 9-10 is realized. Method steps.
A computer program product. When instructions in the computer program product are executed by a processor of an electronic device, the electronic device causes the electronic device to perform the steps of the payment method according to any one of claims 1-8 or 9-10.