Mobile payment method based on electronic payment label and label issuance method

Abstract

The present invention provides a mobile payment method based on an electronic payment collection tag and a method for issuing a tag. The mobile payment method comprises: obtaining payee information on the electronic payment collection tag; performing a payment transaction through a digital wallet cloud according to the payee information; obtaining a transaction success message returned by the digital wallet cloud; transmitting the transaction success message to a short-range wireless communication module of the electronic payment collection tag, so that a voice broadcast module of the electronic payment collection tag performs voice broadcast, wherein, by cooperating with an electronic payment collection tag with a voice broadcast module, after a mobile payment is successful, the transaction success message is transmitted to the electronic payment collection tag through a short-range wireless communication method through a payer's device, and is broadcasted through the voice broadcast module of the electronic payment collection tag, so that the payee can intuitively obtain the transaction success message without the need for other terminal devices.

Description

Technical Field

[0001] The present invention relates to the technical field of mobile payment, and in particular to a mobile payment method based on an electronic payment collection label and a label issuance method. Background Art

[0002] With the development of science and technology and the change of consumer awareness, it is becoming more and more common for people to use mobile payment in daily life. The payee uses the payment tag to receive the payment, which is convenient and fast.

[0003] However, the payment tags currently available on the market do not have the ability to broadcast voice messages. During a transaction, the payee generally has two ways to obtain the transaction results:

[0004] Method 1: The payee queries the transaction result through a terminal device such as a mobile phone or computer, or broadcasts the transaction result through the terminal device or an external speaker. On the one hand, the terminal device takes up space, and on the other hand, it is inconvenient to use for the elderly or in mobile transaction occasions such as street vendors.

[0005] Method 2, checking the payer's terminal to obtain the transaction result, there is a risk that the payer may forge the transaction screenshot. Summary of the invention

[0006] In view of the problems in the prior art, the present invention provides a mobile payment method based on an electronic payment tag, a method, device, equipment and medium for issuing an electronic payment tag, which can at least partially solve the problems in the prior art.

[0007] In order to achieve the above object, the present invention adopts the following technical solution:

[0008] In a first aspect, a mobile payment method based on an electronic payment tag is provided, wherein the electronic payment tag comprises: a voice broadcast module and a short-range wireless communication module, and the mobile payment method comprises:

[0009] Obtain the payee information on the electronic payment label;

[0010] Perform payment transactions through the digital wallet cloud based on the payee information;

[0011] Obtain the transaction success message returned by the digital wallet cloud;

[0012] The transaction success message is transmitted to the short-range wireless communication module so that the voice broadcast module performs voice broadcast.

[0013] Furthermore, the method of obtaining the payee information on the electronic payment label includes:

[0014] The payee information on the electronic payment label is obtained through short-range wireless communication.

[0015] Furthermore, the electronic payment label is provided with a payment code; the step of obtaining the payee information on the electronic payment label includes:

[0016] The payee information on the electronic payment label is obtained by scanning the payment code.

[0017] Furthermore, a voice template is stored on the electronic payment collection label; and the transaction success message is a text message.

[0018] Furthermore, the transaction success message is a voice message.

[0019] Furthermore, the transaction success message is returned by the acquiring payment institution that issued the electronic payment label through the digital wallet cloud after the payment is credited.

[0020] Furthermore, the short-range wireless communication includes: Bluetooth and NFC.

[0021] In a second aspect, a mobile payment device based on an electronic payment tag is provided, wherein the electronic payment tag comprises: a voice broadcast module and a short-range wireless communication module, and the mobile payment device comprises:

[0022] The payee information acquisition module acquires the payee information on the electronic payment label;

[0023] The payment transaction module performs payment transactions through the digital wallet cloud according to the payee information;

[0024] The feedback message receiving module obtains the transaction success message returned by the digital wallet cloud;

[0025] The message transmission module transmits the transaction success message to the short-range wireless communication module, so that the voice broadcast module performs voice broadcast.

[0026] Furthermore, the payee information acquisition module includes:

[0027] The first payee information acquisition unit acquires the payee information on the electronic payment label through short-range wireless communication.

[0028] Furthermore, the electronic payment label is provided with a payment code; the payment recipient information acquisition module includes:

[0029] The second payee information obtaining unit obtains the payee information on the electronic payment label by scanning the payment code.

[0030] Furthermore, a voice template is stored on the electronic payment collection label; and the transaction success message is a text message.

[0031] Furthermore, the transaction success message is a voice message.

[0032] Furthermore, the transaction success message is returned by the acquiring payment institution that issued the electronic payment label through the digital wallet cloud after the payment is credited.

[0033] Furthermore, the short-range wireless communication includes: Bluetooth and NFC.

[0034] In a third aspect, a method for issuing an electronic payment label is provided, comprising:

[0035] Obtaining an electronic payment receipt label issuance request sent by a payee, the electronic payment receipt label issuance request including: a voice template;

[0036] Generate payee information according to the electronic payment label issuance request, and store the voice template in a database;

[0037] The payee information is used to be loaded onto the electronic payment label.

[0038] In a fourth aspect, a device for issuing an electronic payment label is provided, comprising:

[0039] The issuance request acquisition module acquires the electronic payment label issuance request sent by the payee, and the electronic payment label issuance request includes: a voice template;

[0040] A payee information generation module generates payee information according to the electronic payment label request;

[0041] A voice template storage module stores the voice template in a database;

[0042] The payee information is used to be loaded onto the electronic payment label.

[0043] In a fifth aspect, an electronic device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the program, the steps of the above-mentioned mobile payment method or the above-mentioned method for issuing an electronic payment label are implemented.

[0044] In a sixth aspect, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the steps of the above-mentioned mobile payment method or the above-mentioned method for issuing an electronic payment label are implemented.

[0045] The present invention provides a mobile payment method based on an electronic payment tag and a method for issuing a tag. The mobile payment method includes: obtaining payee information on the electronic payment tag; performing a payment transaction through a digital wallet cloud according to the payee information; obtaining a transaction success message returned by the digital wallet cloud; transmitting the transaction success message to a short-range wireless communication module of the electronic payment tag, so that a voice broadcast module of the electronic payment tag performs a voice broadcast, wherein, by cooperating with an electronic payment tag with a voice broadcast module, after a mobile payment is successful, the transaction success message is transmitted to the electronic payment tag through a short-range wireless communication method through the payee's device, and is broadcast through the voice broadcast module of the electronic payment tag, so that the payee can intuitively obtain the transaction success message without the need for other terminal devices. On the one hand, it avoids the terminal device from occupying space, and on the other hand, it is more convenient to use for mobile transaction occasions such as the elderly or stalls, and at the same time, it avoids the risk of the payee forging transaction screenshots.

[0046] In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, preferred embodiments are specifically cited below and described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0048] Figure 1 A schematic diagram of an application scenario of an embodiment of the present invention;

[0049] Figure 2 A circuit module diagram of an electronic payment collection tag in an embodiment of the present invention;

[0050] Figure 3 is a flow chart of a mobile payment method based on an electronic payment tag in an embodiment of the present invention;

[0051] Figure 4 A transaction flow chart of making payment using the mobile payment method provided by an embodiment of the present invention is shown;

[0052] Figure 5 is a structural block diagram of a mobile payment device based on an electronic payment collection tag in an embodiment of the present invention;

[0053] Figure 6 It is a flowchart of a method for issuing an electronic payment collection label in an embodiment of the present invention;

[0054] Figure 7 An example process of issuing an electronic payment collection label provided by an embodiment of the present invention is shown;

[0055] Figure 8 It is a structural block diagram of the issuing device of the electronic payment collection label in the embodiment of the present invention;

[0056] Fig. 9 4 is a structural diagram of an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0057] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0058] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0059] It should be noted that the terms "including" and "having" and any variations thereof in the specification and claims of the present application and the above-mentioned drawings are intended to cover non-exclusive inclusions. For example, a process, method, system, product or apparatus comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or apparatuses.

[0060] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0061] Figure 1 Schematic diagram of application scenario of an embodiment of the present invention; Figure 1As shown, the payee sends an issuance request to the acquiring payment institution S2 through its terminal equipment or on-site application. For example, if the electronic payment label is issued by ICBC and the payment is collected through the ICBC account, then ICBC is the acquiring payment institution. The user can apply for the electronic payment label B1 through the ICBC APP or go to an ICBC branch, that is, send an issuance request to ICBC.

[0062] After receiving the issuance request, the acquiring payment institution S2 produces an electronic payment receipt label. After the production is completed, it issues and distributes the electronic payment receipt label B1 to the payee. After the payee receives the electronic payment receipt label B1, it activates the electronic payment receipt label B1 to collect payment.

[0063] When making a payment, the payer obtains the payee information on the electronic payment note through its terminal device A1, and interacts with the digital wallet cloud S1 for the payment transaction based on the payee information. For example, if the user pays through Alipay, the payment transaction interaction process will be carried out with the Alipay cloud.

[0064] The digital wallet cloud S1 interacts with the acquiring payment institution of the electronic payment tag according to the payment request of the payee to process the payment.

[0065] When the acquiring payment institution S2 receives the payment, it feeds back a transaction success message to the digital wallet cloud, which then sends the message to the payee's terminal device. After receiving the message, the payee's terminal device sends the message to the electronic payment tag via short-range wireless communication, which is then broadcast by a voice announcement module (such as a speaker) on the electronic payment tag. This allows the payee to promptly learn of the transaction success message without having to query the transaction result through a mobile phone, computer or other terminal device or broadcast the transaction result through the terminal device or an external speaker, thereby reducing the space occupied by the equipment. This is suitable for mobile transactions such as the elderly or street vendors, and reduces the risk of the payee forging transaction screenshots.

[0066] Figure 2 FIG. 1 is a circuit module diagram of an electronic payment collection tag in an embodiment of the present invention; Figure 2 As shown, the electronic payment label 100 includes: a speaker 01, a short-range wireless communication module 02 and a controller 03. The controller 03 is connected to the speaker 01 and the short-range wireless communication module 02, and is used to receive messages fed back by the payer terminal through the short-range wireless communication module 02, and control the speaker 01 to play the message.

[0067] In an optional embodiment, the short-range wireless communication module includes: an NFC chip and an NFC antenna.

[0068] In another optional embodiment, the short-range wireless communication module is a Bluetooth chip.

[0069] In an optional embodiment, the electronic payment collection label may further include: a memory 04, wherein the memory 04 is connected to the controller and is used to store electronic payment collection information and / or a voice template set by the payee.

[0070] Figure 3 is a flow chart of a mobile payment method based on an electronic payment tag in an embodiment of the present invention; Figure 3 As shown, the mobile payment method based on the electronic payment tag is suitable for execution on the payer terminal, and the method may include the following contents:

[0071] Step S100: Obtaining the payee information on the electronic payment label;

[0072] Specifically, the payee information is set on the electronic payment label by the acquiring payment institution when making the electronic payment label. It can be the payee account or the payee identification, code, etc., which is used to identify the payee so that the money can be credited to the payee when the payer makes the payment.

[0073] Step S200: Performing a payment transaction through the digital wallet cloud according to the payee information;

[0074] Specifically, the payment amount and the payee information are sent to the digital wallet cloud for payment; after receiving the payment amount and the payee information, the digital wallet cloud conducts the transaction, deducts the corresponding amount from the payee's account, and pays the corresponding amount to the acquiring payment institution, which performs the account entry operation. When the corresponding amount is credited to the payee's account, a transaction success message is fed back to the digital wallet cloud;

[0075] Step S300: Obtaining a transaction success message returned by the digital wallet cloud;

[0076] Specifically, the digital wallet cloud receives a transaction success message from the acquiring payment institution and feeds the transaction success message back to the payee's device.

[0077] Step S400: Transmitting the transaction success message to the short-range wireless communication module so that the voice broadcast module performs voice broadcast.

[0078] Among them, the short-range wireless communication may include NFC (Near Field Communication) or Bluetooth communication.

[0079] Specifically, the payer's device sends the transaction success message to the electronic payment tag through the communication module set therein. The short-range wireless communication module on the electronic payment tag receives the message and sends the message to the controller. The controller controls the speaker to broadcast the message by voice so that the payee can be informed of the successful payment in time.

[0080] By adopting the above technical solution, the payee can intuitively obtain the transaction success message without the need for other terminal devices. On the one hand, it avoids the terminal equipment from taking up space. On the other hand, it is more convenient to use for the elderly or mobile transaction occasions such as street vendors. At the same time, it avoids the risk of the payer forging transaction screenshots.

[0081] In an optional embodiment, step S100 includes: acquiring the payee information on the electronic payment label through short-range wireless communication.

[0082] For example, the payee information may be electronic information stored in a memory. When making payment, the payer may obtain the payee information by interacting with the short-range wireless communication module of the electronic payment tag through the NFC chip or Bluetooth chip provided on the payee's terminal.

[0083] In another optional embodiment, step S100 may include: acquiring the payee information on the electronic payment label by scanning the payment code.

[0084] Specifically, when the acquiring payment institution produces the electronic payment label, the payee information is pasted or embedded on the electronic payment label in the form of a payment code (such as a QR code). When making payment, the payee obtains the payee information by scanning the code.

[0085] In an optional embodiment, the payee is supported to customize the announcement voice, and there are two specific implementation methods, as follows:

[0086] 1. When the payee requests the issuance of an electronic payment receipt label, he / she shall upload the user-defined broadcast voice at the same time and transmit it to the acquiring payment institution in the form of a voice template. The acquiring payment institution shall store the voice template in the database. After the acquiring payment institution successfully enters the account, it shall retrieve the voice message corresponding to the payee's customized voice template from the database and feed the voice message as a transaction success message to the electronic payment receipt label through the digital wallet cloud and the payer's terminal.

[0087] 2. When requesting the issuance of an electronic payment tag, the payee uploads the user-defined broadcast voice at the same time and transmits it to the acquiring payment institution in the form of a voice template. When the acquiring payment institution produces the electronic payment tag, it stores the voice template in the memory of the electronic payment tag. After the acquiring payment institution successfully enters the account, the transaction success message in text form is fed back to the electronic payment tag via the digital wallet cloud and the payer's terminal. After receiving the text message, the controller of the electronic payment tag calls the voice template in the memory, obtains the corresponding voice message, and then plays the voice message through the speaker.

[0088] By adopting the above technical scheme, the mobile payment method provided by the embodiment of the present invention supports user-defined voice. On the one hand, it can enable users to accurately distinguish their own transaction success messages in a noisy environment (for example, in places where vendors are concentrated, such as vegetable markets or small markets, all vendors use mobile payment, and it is easy for them to mistake other people's payment success messages as their own). On the other hand, it can prevent the payer from forging a transaction success message to avoid loss of interests of the payee.

[0089] In summary, the mobile payment method provided by the embodiment of the present invention is suitable for digital cash transaction occasions. Merchants apply for electronic payment tags with speakers from acquiring payment institutions and reserve voice (broadcast) templates, and display the electronic payment tags at the cashier counter. The payer uses the digital wallet APP to communicate with the electronic payment tag through short-range wireless communication methods such as NFC or Bluetooth to obtain the merchant's electronic payment tag information. After the payer confirms the payment, the digital cash payment processing and the merchant's payment processing are completed. After the digital wallet backend system or the cloud confirms that the transaction is successful, it will also transmit the voice resource information to the digital wallet APP end. The digital wallet APP sends the voice resource information (transaction success message) to the merchant's electronic payment tag through NPC or Bluetooth and other communication methods. The electronic payment tag controller drives the built-in speaker of the electronic payment tag to perform voice broadcast, notifying the merchant of the transaction results in real time, improving the merchant's experience satisfaction, and solving the problem that the current electronic payment tags on the market do not have the ability to voice broadcast and the inconvenience of payment collection. The speaker is added to the electronic tag to realize voice broadcast, making the electronic tag more convenient to use, better experience, and more conducive to promotion.

[0090] It should be emphasized that merchants can know the payment results without the assistance of other terminal equipment, and it does not occupy merchant space, which can greatly reduce merchants' equipment costs and space occupancy, and can effectively identify the authenticity of transactions and reduce transaction risks.

[0091] Furthermore, merchants can customize their favorite voice broadcast templates and voice styles to meet diverse needs.

[0092] In order to make those skilled in the art better understand the present application, Figure 4 , the transaction process of using the mobile payment method provided by the embodiment of the present invention to make payment is described, which specifically includes the following steps:

[0093] S201: The payer uses the digital wallet APP to obtain the electronic tag token information through NFC.

[0094] Specifically, the token information is information that identifies the payee, that is, the payee information on the electronic payment label.

[0095] S202: The digital wallet APP transmits the electronic tag token information to the digital wallet cloud.

[0096] S203: The digital wallet cloud sends the query application to the acquiring payment institution through the clearing platform to query the merchant information corresponding to the token and generate an order.

[0097] Specifically, the acquiring payment institution will generate an order based on the query.

[0098] It is worth mentioning that the acquiring payment institution first verifies the identity of the payee based on the payee's information and then generates the order.

[0099] S204: The payer enters the payment password or fingerprint in the digital wallet APP to confirm payment.

[0100] S205: The digital wallet cloud deducts the digital cash from the wallet and clears the funds to the merchant's acquiring payment institution through the clearing platform.

[0101] S206: The acquiring payment institution credits the merchant's account and notifies the merchant system that the transaction is successful.

[0102] Specifically, in this step, the way in which the acquiring payment institution notifies the merchant system of the success of the transaction is the same as the existing mobile payment, which is sent to the merchant's terminal (such as a mobile phone, computer, etc.) via SMS or WeChat.

[0103] S207: The acquiring payment institution assembles the voice broadcast information according to the voice template resources reserved by the merchant and returns it to the digital wallet cloud.

[0104] S208: The digital wallet updates the payment order result in the cloud and returns the voice broadcast information to the digital wallet APP.

[0105] S209: The digital wallet APP prompts that the transaction is successful.

[0106] S210: The digital wallet APP transmits the voice broadcast information to the electronic tag via NFC.

[0107] S211: The electronic tag receives the voice broadcast information and drives the built-in speaker to voice broadcast the transaction result.

[0108] Based on the same inventive concept, the embodiments of the present application also provide a mobile payment device based on an electronic payment tag, which can be used to implement the method described in the above embodiment, as described in the following embodiments. Since the principle of solving the problem by the mobile payment device based on the electronic payment tag is similar to the above method, the implementation of the mobile payment device based on the electronic payment tag can refer to the implementation of the above method, and the repeated parts will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0109] Figure 5 is a structural block diagram of a mobile payment device based on an electronic payment tag in an embodiment of the present invention. Figure 5 As shown, the mobile payment device based on the electronic payment tag specifically includes: a payee information acquisition module 10, a payment transaction module 20, a feedback message receiving module 30 and a message transmission module 40.

[0110] The payee information acquisition module 10 acquires the payee information on the electronic payment label;

[0111] The payment transaction module 20 performs payment transactions through the digital wallet cloud according to the payee information;

[0112] The feedback message receiving module 30 obtains the transaction success message returned by the digital wallet cloud;

[0113] The message transmission module 40 transmits the transaction success message to the short-range wireless communication module, so that the voice broadcast module performs voice broadcast.

[0114] By adopting the above technical solution, the payee can intuitively obtain the transaction success message without the need for other terminal devices. On the one hand, it avoids the terminal equipment from taking up space. On the other hand, it is more convenient to use for the elderly or mobile transaction occasions such as street vendors. At the same time, it avoids the risk of the payer forging transaction screenshots.

[0115] In an optional embodiment, the payee information acquisition module includes:

[0116] The first payee information acquisition unit acquires the payee information on the electronic payment label through short-range wireless communication.

[0117] In an optional embodiment, the electronic payment collection label is provided with a payment code; the payment recipient information acquisition module includes:

[0118] The second payee information acquisition unit acquires the payee information on the electronic payment label by scanning the payment code.

[0119] In an optional embodiment, a voice template is stored on the electronic payment collection label; and the transaction success message is a text message.

[0120] In an optional embodiment, the transaction success message is a voice message.

[0121] In an optional embodiment, the transaction success message is returned by the acquiring payment institution that issued the electronic payment label via the digital wallet cloud after the payment is credited.

[0122] In an optional embodiment, the short-range wireless communication includes: Bluetooth and NFC.

[0123] The embodiment of the present invention also provides a method for issuing an electronic payment receipt label, which is suitable for execution on a server of a payment acquiring institution, see Figure 6 The issuance method of the electronic payment label may include the following contents:

[0124] Step S1000: obtaining an electronic payment receipt label issuance request sent by the payee, wherein the electronic payment receipt label issuance request includes: a voice template;

[0125] Specifically, the electronic payment label issuance request also includes: the identity confidence and account information of the payee.

[0126] Step S2000: Generate payee information according to the electronic payment label issuance request, and store the voice template in a database;

[0127] The payee information is used to be loaded onto the electronic payment label.

[0128] Specifically, an electronic payment label is produced according to the payee information. The payee information may be stored on the electronic label, or may be pasted or embedded on the electronic payment label in the form of a payment code.

[0129] Among them, the voice template is stored in the database, so that after the payment transaction is successful and the acquiring payment institution has recorded the payment, the voice template is called to obtain a successful transaction message in voice form. The successful transaction message is sent to the electronic payment tag by short-range wireless communication after passing through the digital wallet cloud and the payer's terminal device, and is played by the speaker on the electronic payment tag.

[0130] By adopting the above technical solution, the payee can intuitively obtain the transaction success message without the need for other terminal devices. On the one hand, it avoids the terminal device from taking up space. On the other hand, it is more convenient to use for the elderly or mobile transaction occasions such as street vendors. At the same time, it avoids the risk of the payer forging transaction screenshots.

[0131] The embodiment of the present invention further provides another method for issuing an electronic payment receipt label, which is suitable for execution on a server of an acquiring payment institution. The method for issuing an electronic payment receipt label may include the following contents:

[0132] Step I: obtaining an electronic payment receipt label issuance request sent by the payee, wherein the electronic payment receipt label issuance request includes: a voice template;

[0133] Specifically, the electronic payment label issuance request also includes: the identity confidence and account information of the payee.

[0134] Step II: generating payee information according to the electronic payment label issuance request;

[0135] Step III: Create an electronic payment label based on the payee information and voice template;

[0136] The payee information and voice template are used to be loaded onto the electronic payment label.

[0137] Specifically, the payee information and the voice template can be stored in the memory of the electronic payment label; another implementation method is that the payee information is pasted or embedded in the electronic payment label in the form of a payment code, and the voice template is stored in the memory of the electronic payment label.

[0138] In order to enable those skilled in the art to better understand the present application, the following example illustrates the process of issuing an electronic payment label provided in an embodiment of the present invention, including the following steps: Figure 7 :

[0139] S101: The merchant applies for an electronic label from the acquiring payment institution.

[0140] S102: The acquiring payment institution queries the merchant's profile, generates a token corresponding to the electronic tag, and establishes a mapping relationship between the token and the merchant.

[0141] S103: The merchant sets the voice template resources and voice style of the electronic tag, and configures them in the backend system of the acquiring payment institution.

[0142] S104: The acquiring payment institution produces an electronic tag and writes the token into the electronic tag.

[0143] S105: The merchant activates the electronic tag and uses the electronic tag to collect payment.

[0144] Based on the same inventive concept, the embodiments of the present application also provide a device for issuing an electronic payment collection label, which can be used to implement the method described in the above embodiments, as described in the following embodiments. Since the principle of solving the problem by the device for issuing an electronic payment collection label is similar to that of the above methods, the implementation of the device for issuing an electronic payment collection label can refer to the implementation of the above methods, and the repeated parts will not be repeated. As used below, the terms "unit" or "module" can be a combination of software and / or hardware that implements predetermined functions. Although the devices described in the following embodiments are preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0145] Figure 8 : is a structural block diagram of the issuing device of the electronic payment label in the embodiment of the present invention; Figure 8 As shown, the issuing device of the electronic payment label includes: an issuing request obtaining module 10a, a payee information generating module 20a and a voice template storing module 30a.

[0146] The issuance request acquisition module 10a acquires the electronic payment receipt label issuance request sent by the payee, and the electronic payment receipt label issuance request includes: a voice template;

[0147] The payee information generating module 20a generates the payee information according to the electronic payment label request;

[0148] The voice template storage module 30a stores the voice template in a database;

[0149] The payee information is used to be loaded onto the electronic payment label.

[0150] The devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is an electronic device, and the electronic device may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0151] In a typical example, the electronic device specifically includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the steps of the above-mentioned mobile payment method or the method for issuing an electronic payment label are implemented.

[0152] Reference below Fig. 9 , which shows a schematic structural diagram of an electronic device 600 suitable for implementing an embodiment of the present application.

[0153] like Fig. 9 As shown, electronic device 600 includes a central processing unit (CPU) 601, which can perform various appropriate operations and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage portion 608 into a random access memory (RAM) 603. In RAM 603, various programs and data required for the operation of system 600 are also stored. CPU 601, ROM 602, and RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to bus 604.

[0154] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed as needed as the storage section 608.

[0155] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer-readable storage medium having a computer program stored thereon, which implements the steps of the above-mentioned mobile payment method or the method for issuing an electronic payment label when executed by a processor.

[0156] In such an embodiment, the computer program may be downloaded and installed from a network via the communication section 609 , and / or installed from the removable medium 611 .

[0157] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0158] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing the present application, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0159] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0160] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0161] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0162] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0163] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0164] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0165] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0166] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A mobile payment method based on an electronic payment tag, characterized in that: The electronic payment tag includes: a voice broadcast module, a controller and a short-range wireless communication module. The mobile payment method is applied to the payer terminal, including: Obtaining the payee information on the electronic payment receipt label, wherein the payee information is pasted or embedded on the electronic payment receipt label in the form of a payment code; A payment transaction is performed through the digital wallet cloud according to the payee information, wherein the payment amount and the payee information are sent to the digital wallet cloud for payment; after receiving the payment amount and the payee information, the digital wallet cloud performs the transaction, deducts the corresponding amount from the payee's account, and pays the corresponding amount to the acquiring payment institution, which performs the account entry operation, and when the corresponding amount is credited to the payee's account, feedbacks a transaction success message to the digital wallet cloud; Obtaining a transaction success message returned by the digital wallet cloud; The transaction success message is transmitted to the short-range wireless communication module, so that the voice broadcast module on the electronic payment collection label performs voice broadcast, wherein the voice broadcast module is a speaker, and the controller is used to receive the transaction success message fed back by the payer terminal through the short-range wireless communication module, and control the speaker to perform voice broadcast; Wherein, a voice template is stored on the electronic payment label; the transaction success message is a text message, and the mobile payment method further includes: When the payee requests the issuance of an electronic payment tag, he / she also uploads the user-defined broadcast voice and transmits it to the acquiring payment institution in the form of a voice template. When the acquiring payment institution makes the electronic payment tag, it stores the voice template in the memory of the electronic payment tag. After the acquiring payment institution successfully enters the account, it feeds back the transaction success message in text form to the electronic payment tag via the digital wallet cloud and the payer's terminal. After receiving the text message, the controller of the electronic payment tag calls the voice template in the memory to obtain the corresponding voice message, and then plays the voice message through the speaker. Wherein, the transaction success message is a voice message, and the mobile payment method further includes: When requesting the issuance of an electronic payment receipt tag, the payee also uploads the user-defined broadcast voice and transmits it to the acquiring payment institution in the form of a voice template. The acquiring payment institution stores the voice template in the database. After the acquiring payment institution successfully enters the account, it retrieves the voice message corresponding to the payee's customized voice template from the database and feeds the voice message as a transaction success message to the electronic payment receipt tag via the digital wallet cloud and the payer's terminal.

2. The mobile payment method according to claim 1, characterized in that: The step of obtaining the payee information on the electronic payment label includes: The payee information on the electronic payment label is obtained through short-range wireless communication.

3. The mobile payment method according to claim 1, characterized in that: The electronic payment collection label is provided with a payment collection code; the step of obtaining the payee information on the electronic payment collection label includes: The payee information on the electronic payment label is obtained by scanning the payment code.

4. The mobile payment method according to claim 1, characterized in that: The transaction success message is a voice message.

5. The mobile payment method according to claim 1, characterized in that: The transaction success message is returned by the acquiring payment institution that issued the electronic payment label through the digital wallet cloud after the payment is credited.

6. The mobile payment method according to any one of claims 1 to 5, characterized in that: The short-range wireless communication includes: Bluetooth or NFC.

7. A mobile payment device based on an electronic payment tag, characterized in that: The electronic payment tag includes: a voice broadcast module, a controller and a short-range wireless communication module. The mobile payment device is applied to the payer terminal and includes: A payee information acquisition module, which acquires the payee information on the electronic payment receipt label, wherein the payee information is pasted or embedded on the electronic payment receipt label in the form of a payment code; The payment transaction module performs a payment transaction through the digital wallet cloud according to the payee information, wherein the payment amount and the payee information are sent to the digital wallet cloud for payment; after receiving the payment amount and the payee information, the digital wallet cloud performs the transaction, deducts the corresponding amount from the payee's account, and pays the corresponding amount to the acquiring payment institution, which performs the account entry operation, and when the corresponding amount is entered into the payee's account, feedbacks a transaction success message to the digital wallet cloud; A feedback message receiving module is used to obtain a transaction success message returned by the digital wallet cloud; The message transmission module transmits the transaction success message to the short-distance wireless communication module, so that the voice broadcast module on the electronic payment collection label performs voice broadcast, wherein the voice broadcast module is a speaker, and the controller is used to receive the transaction success message fed back by the payer terminal through the short-distance wireless communication module, and control the speaker to perform voice broadcast; The electronic payment label stores a voice template; the transaction success message is a text message; and the mobile payment device is further configured as follows: When the payee requests to issue an electronic payment tag, he / she uploads the user-defined broadcast voice and transmits it to the acquiring payment institution in the form of a voice template. When the acquiring payment institution makes the electronic payment tag, it stores the voice template in the memory of the electronic payment tag. After the acquiring payment institution successfully enters the account, it feeds back the transaction success message in text form to the electronic payment tag via the digital wallet cloud and the payer's terminal. After receiving the text message, the controller of the electronic payment tag calls the voice template in the memory to obtain the corresponding voice message, and then plays the voice message through the speaker. Wherein, the transaction success message is a voice message, and the mobile payment device is further configured to: When requesting the issuance of an electronic payment receipt tag, the payee also uploads the user-defined broadcast voice and transmits it to the acquiring payment institution in the form of a voice template. The acquiring payment institution stores the voice template in the database. After the acquiring payment institution successfully enters the account, it retrieves the voice message corresponding to the payee's customized voice template from the database and feeds the voice message as a transaction success message to the electronic payment receipt tag via the digital wallet cloud and the payer's terminal.

8. The mobile payment device according to claim 7, characterized in that: The payee information acquisition module includes: The first payee information acquisition unit acquires the payee information on the electronic payment label through short-range wireless communication.

9. The mobile payment device according to claim 7, characterized in that: The electronic payment label is provided with a payment code; the payment recipient information acquisition module includes: The second payee information acquisition unit acquires the payee information on the electronic payment label by scanning the payment code.

10. The mobile payment device according to claim 7, characterized in that: The transaction success message is a voice message.

11. The mobile payment device according to claim 7, characterized in that: The transaction success message is returned by the acquiring payment institution that issued the electronic payment label through the digital wallet cloud after the payment is credited.

12. The mobile payment device according to any one of claims 7 to 11, characterized in that: The short-range wireless communication includes: Bluetooth or NFC.

13. A method for issuing an electronic payment label, characterized in that: The electronic payment tag adopts a mobile payment method based on an electronic payment tag as claimed in any one of claims 1 to 6, and the issuance method of the electronic payment tag includes: Obtaining an electronic payment receipt label issuance request sent by a payee, wherein the electronic payment receipt label issuance request includes: a voice template, identity information and account information of the payee; Generate payee information according to the electronic payment label issuance request, and store the voice template in a database, wherein the payee information is the payee account or payee identifier set on the electronic payment label when the acquiring payment institution produces the electronic payment label; The payee information is used to be loaded onto the electronic payment label, wherein the payee information and the voice template are stored in the memory of the electronic payment label; or the payee information is pasted or embedded in the electronic payment label in the form of a payment code, and the voice template is stored in the memory of the electronic payment label.

14. An electronic payment label issuing device, characterized in that: The electronic payment tag adopts a mobile payment method based on an electronic payment tag as claimed in any one of claims 1 to 6, and the issuing device of the electronic payment tag includes: The issuance request acquisition module acquires the electronic payment label issuance request sent by the payee, wherein the electronic payment label issuance request includes: a voice template, the identity information and account information of the payee; A payee information generation module, generating payee information according to the electronic payment label request; A voice template storage module stores the voice template in a database; The payee information is used to be loaded onto the electronic payment label, wherein the payee information and the voice template are stored in the memory of the electronic payment label; or the payee information is pasted or embedded in the electronic payment label in the form of a payment code, and the voice template is stored in the memory of the electronic payment label.

15. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps of the mobile payment method described in any one of claims 1 to 6 or the method for issuing an electronic payment label described in claim 13 are implemented.

16. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, it implements the steps of the mobile payment method described in any one of claims 1 to 6 or the method for issuing an electronic payment label described in claim 13.

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