Payment binding method for IoT non-sensing consumption and IoT non-sensing consumption system

Abstract

The present invention provides a payment binding method and an Internet of Things senseless consumption system for the Internet of Things. The method comprises the following steps: the consumer terminal senses a radio frequency chip in a consumption medium and obtains the original identity code of the radio frequency chip; the consumer terminal expands the original identity code according to a preset expansion algorithm to obtain an extended identity code; the consumer terminal sends the extended identity code to a cloud service platform; the cloud service platform obtains the domain code corresponding to the area where the current business is located; the cloud service platform combines the domain code and the extended identity code to obtain a target identity code and sends it to the consumer terminal; the consumer terminal writes the target identity code into the radio frequency chip; the cloud service platform associates and binds the target identity code with the payment account to be bound, and uses the target identity code as the identity identification mark of the radio frequency chip to bind with the payment account, which can improve the security of Internet of Things consumption and the user's consumption experience.

Description

Technical Field

[0001] The present invention relates to the technical field of Internet of Things, and in particular to a payment binding method applied to senseless consumption of the Internet of Things and a senseless consumption system of the Internet of Things. Background Art

[0002] The development of Internet of Things technology has enabled more objects to become intelligent machines that can provide self-service services. For example, bicycles, power banks, water dispensers, washing machines, and self-service vending machines. The key to achieving self-service services is the popularity of mobile phone payments, where users can use self-service devices by scanning codes to pay. In the past two years, through the development of biometric technologies, such as fingerprint and face recognition, non-contact payment methods such as face payment have been developed, and more and more convenient payment methods will mature in various scenarios.

[0003] Radio frequency chips are commonly used identification tools in the field of the Internet of Things. When in use, the digital identity of the radio frequency chip can be identified through the original identity code of the radio frequency chip, so that identity authentication and consumption functions can be performed through the radio frequency chip. However, the original identity code of the general radio frequency chip is a 10-digit code. It is very likely that two radio frequency chips produced by different chip manufacturers will have the same original identity code, resulting in low security for digital identity authentication through the original identity code of the radio frequency chip. Authentication errors may occur, especially when the radio frequency chip is used for consumption, there is also a risk of wrong deductions or theft. Summary of the invention

[0004] The purpose of the present invention is to provide a payment binding method applied to the Internet of Things (IoT) non-sensing consumption, which can enhance the security of consumption and improve the consumption experience of users.

[0005] The present invention also aims to provide an IoT seamless consumption system that can enhance consumption security and improve the user's consumption experience.

[0006] To achieve the above object, the present invention provides a payment binding method applied to IoT non-sensing consumption, comprising the following steps:

[0007] Step S1: The consumer terminal senses the radio frequency chip in the consumer medium and obtains the original identity code of the radio frequency chip;

[0008] Step S2: The consumer terminal expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code;

[0009] Step S3: The consumer terminal sends the extended identity code to the cloud service platform;

[0010] Step S4: The cloud business platform obtains the domain code corresponding to the area where the current business is located;

[0011] Step S5: The cloud service platform combines the domain code and the extended identity code to obtain a target identity code and sends it to the consumer terminal;

[0012] Step S6: The consumer terminal writes the target identity code into the radio frequency chip;

[0013] Step S7: The cloud service platform associates the binding target identity code with the payment account to be bound.

[0014] Specifically, the expansion algorithm preset in step S2 is:

[0015] The consumer terminal generates multiple random numbers in sequence, and arranges the multiple random numbers in sequence after the original identity code in the order of generation time, so as to obtain an extended identity code.

[0016] Specifically, in step S3, the consumer terminal sends the extended identity code to the cloud service platform through an encrypted channel.

[0017] Specifically, in step S6, the consumer terminal encrypts the target identity code and writes it into the radio frequency chip.

[0018] Specifically, the step S7 includes:

[0019] Step S71: The user sends a payment binding request including a target identity code and a payment account to be bound to the cloud service platform;

[0020] Step S72: The cloud service platform binds the target identity code and the payment account to be bound according to the payment binding request.

[0021] Specifically, the step S71 includes:

[0022] Step S711: The consumer terminal obtains the target identity code of the radio frequency chip;

[0023] Step S712: The consumer terminal generates a payment binding QR code including the target identity code of the radio frequency chip;

[0024] Step S713: The user scans the payment binding QR code to enter the payment binding page;

[0025] Step S714: The user enters the payment account to be bound on the payment binding page, and sends a payment binding request including the target identity code and the payment account to be bound to the cloud business platform.

[0026] Specifically, the step S72 includes:

[0027] Step S721: The cloud service platform sends a binding verification message to the user according to the payment binding request;

[0028] Step S722: The user returns a binding confirmation message to the cloud service platform according to the binding verification message;

[0029] Step S723: The cloud business platform completes the binding association between the target identity code and the payment account to be bound according to the binding confirmation message.

[0030] Specifically, the payment binding method applied to IoT senseless consumption also includes step S8, in which the user sends payment limit authorization information to the cloud business platform to authorize the payment limit of the payment account associated with the target identity code.

[0031] Specifically, the consumer medium is a daily necessity containing a radio frequency chip.

[0032] The present invention also provides an Internet of Things non-sensing consumption system, comprising: a consumption medium, a consumption terminal and a cloud service platform, wherein the consumption medium is provided with a radio frequency chip;

[0033] The consumer terminal is used to read the original identity code of the radio frequency chip, and expand the original identity code according to a preset expansion algorithm to obtain the extended identity code and send it to the cloud service platform, and receive the target identity code from the cloud service platform and write it into the radio frequency chip;

[0034] The cloud-based business platform is used to obtain the domain code corresponding to the current consumer business and receive the extended identity code sent by the consumer terminal, combine the domain code and the extended identity code, obtain the target identity code and send it to the consumer terminal, and associate and bind the target identity code with the payment account to be bound.

[0035] Beneficial effects of the present invention: The present invention provides a payment binding method applied to the senseless consumption of the Internet of Things, comprising the following steps: Step S1, the consumer terminal senses the radio frequency chip in the consumption medium, and obtains the original identity code of the radio frequency chip; Step S2, the consumer terminal expands the original identity code according to a preset expansion algorithm to obtain an extended identity code; Step S3, the consumer terminal sends the extended identity code to the cloud business platform; Step S4, the cloud business platform obtains the domain code corresponding to the area where the current business is located; Step S5, the cloud business platform combines the domain code and the extended identity code to obtain the target identity code and sends it to the consumer terminal; Step S6, the consumer terminal writes the target identity code into the radio frequency chip; Step S7, the cloud business platform associates and binds the target identity code with the payment account to be bound, and uses the target identity code as the identity identification mark of the radio frequency chip to bind with the payment account, which can improve the security of Internet of Things consumption and improve the user's consumption experience. The purpose of the present invention is also to provide an Internet of Things senseless consumption system, which can improve the security of Internet of Things consumption and improve the user's consumption experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] In order to further understand the features and technical contents of the present invention, please refer to the following detailed description and drawings of the present invention. However, the drawings are only provided for reference and illustration and are not intended to limit the present invention.

[0037] In the accompanying drawings,

[0038] Figure 1 It is a flow chart of the payment binding method applied to the Internet of Things senseless consumption of the present invention;

[0039] Figure 2 A schematic diagram of the Internet of Things sensorless consumption system of the present invention;

[0040] Figure 3 This is a flow chart of step S7 of the payment binding method for IoT non-sensing consumption of the present invention;

[0041] Figure 4 It is a flowchart of step S71 of the payment binding method applied to the IoT senseless consumption of the present invention;

[0042] Figure 5 It is a flowchart of step S72 of the payment binding method applied to the Internet of Things senseless consumption of the present invention;

[0043] Figure 6 The present invention is a consumption flow chart of the Internet of Things non-sensing consumption system. DETAILED DESCRIPTION

[0044] To further illustrate the technical means and effects of the present invention, the following is a detailed description in conjunction with the preferred embodiments of the present invention and the accompanying drawings.

[0045] See also Figure 1 Combined with Figure 2 The present invention provides a payment binding method applied to the Internet of Things non-sensing consumption, comprising the following steps:

[0046] Step S1 : The consumer terminal 2 senses the radio frequency chip 11 in the consumer medium 1 and obtains the original identity code of the radio frequency chip 11 .

[0047] Preferably, according to different consumption scenarios, the consumer medium 1 can be different daily necessities containing the radio frequency chip 11. For example, a water cup containing the radio frequency chip 11 and a laundry tub containing the radio frequency chip, etc., wherein the water cup containing the radio frequency chip 11 can be used for self-service drinking, and the laundry tub containing the radio frequency chip 11 can be used for self-service laundry.

[0048] In addition, in some special consumption scenarios (such as self-service bathing), the consumption medium may also be a consumption card including a radio frequency chip 11 .

[0049] Furthermore, the original identity code of the RF chip 11 is assigned to each RF chip 11 by the manufacturer of the RF chip 11 before the RF chip 11 leaves the factory, and is used for identity verification of the RF chip 11. Generally, the original identity code is a ten-digit code, but this is not a limitation of the present invention, and the specific number of digits of the original identity code can be adjusted according to actual needs, which will not affect the implementation of the present invention.

[0050] Specifically, in some embodiments of the present invention, the consumer terminal 2 includes a radio frequency chip reading and writing module 21, and the consumer terminal 2 senses the radio frequency chip 11 in the consumer medium 1 through the radio frequency chip reading and writing module 21 to obtain the original identity code of the radio frequency chip 11.

[0051] Furthermore, the consumer terminal 2 changes accordingly according to the different consumption scenarios and the consumer medium 1 to match the consumption scenarios and the consumer medium 1. For example, when applied to a self-service drinking water scenario, the consumer medium 1 is a water cup containing a radio frequency chip 11, and the consumer terminal 2 is a corresponding water dispenser containing a radio frequency chip reading and writing module 21; when applied to a self-service laundry scenario, the consumer medium 1 is a laundry tub containing a radio frequency chip 11, and the consumer terminal 2 is a corresponding washing machine containing a radio frequency chip reading and writing module 21; when applied to some other special scenarios (such as self-service bathing), the consumer medium 1 is a consumer card containing a radio frequency chip 11, and the consumer terminal 2 is a corresponding card swiping device including a radio frequency chip reading and writing module 21.

[0052] Step S2: The consumer terminal 2 expands the original identity code according to a preset expansion algorithm to obtain an expanded identity code.

[0053] Specifically, the expansion algorithm preset in step S2 is:

[0054] The consumer terminal 2 generates multiple random numbers in sequence, and arranges the multiple random numbers after the original identity code in the order of generation time to obtain an extended identity code.

[0055] Furthermore, in some embodiments of the present invention, in step S2, the consumer terminal 2 generates six random numbers in sequence, and arranges the six random numbers in sequence after the ten-digit digital code of the original identity code in the order of generation, to obtain a sixteen-digit extended identity code.

[0056] It should be noted that the present invention expands the original identity code to obtain an extended identity code, which can avoid the situation where different RF chips 11 have the same identity code, and ensure that the identity code of each RF chip 11 is unique in the current business area, that is, the identity code of each RF chip 11 is a globally unique code.

[0057] Specifically, in some embodiments of the present invention, the consumer terminal 2 also includes a processing module 22, and the processing module 22 is electrically connected to the RF chip reading and writing module 21. After the RF chip reading and writing module 21 obtains the original identity code of the RF chip 11, it sends it to the processing module 22, and the processing module 22 expands the original identity code according to a preset expansion algorithm to obtain an extended identity code.

[0058] Step S3: The consumer terminal 2 sends the extended identity code to the cloud service platform 3.

[0059] Specifically, in some embodiments of the present invention, the consumer terminal 2 also includes a communication module 23, and the communication module 23 is electrically connected to the processing module 22. After the processing module 22 expands the extended identity code, the communication module 23 sends it to the cloud business platform 3.

[0060] Preferably, the communication module 23 is a wireless network communication module, such as a 4G communication module or a 5G communication module.

[0061] Specifically, the cloud service platform 3 includes a digital authentication module 31 and a payment binding module 32 for digital identity authentication and payment binding of the radio frequency chip 11 respectively.

[0062] Specifically, in step S3, the consumer terminal 2 sends the extended identity code to the cloud service platform 3 through an encrypted channel. That is, the communication module 23 encrypts and sends the extended identity code to the cloud service platform 3.

[0063] Step S4: The cloud service platform 3 obtains the domain code corresponding to the area where the current service is located.

[0064] Specifically, in some embodiments of the present invention, in step S4, the domain code is obtained by the digital authentication module 31 from the global domain unique encoder 4 corresponding to the area where the current business is located.

[0065] Furthermore, each service area corresponds to a global domain unique encoder 4 for generating a domain code corresponding to the service area. For example, if the current service area is a consumer service within a university campus, a global domain unique encoder 4 is set for the consumer service within the university campus to generate a domain code for the university campus. For another example, if the current service area is a consumer service within a factory park, a global domain unique encoder 4 is set for the consumer service within the factory park to generate a domain code for the factory park. Each service area corresponds to a domain code, and different service areas correspond to different domain codes.

[0066] Step S5 , the cloud service platform 3 combines the domain code and the extended identity code to obtain a target identity code and sends it to the consumer terminal 2 .

[0067] Specifically, in step S5 , the digital authentication module 31 combines the domain code and the extended identity code to obtain a target identity code and sends it to the consumer terminal 2 .

[0068] Furthermore, in some embodiments of the present invention, the domain code is a four-digit code, and a twenty-digit target identity code is obtained by adding a four-digit domain code after a sixteen-digit extended identity code.

[0069] Step S6: The consumer terminal 2 writes the target identity code into the radio frequency chip 11.

[0070] Specifically, in step S6 , the consumer terminal 2 encrypts the target identity code and writes it into the radio frequency chip 11 .

[0071] Specifically, in step S6, the communication module 23 receives the target identity code from the digital authentication module 31 and transmits it to the processing module 22, which is then sent to the RF chip read / write module 21 by the processing module 22. Finally, the RF chip read / write module 21 writes the target identity code into the RF chip 11, specifically, the target identity code is encrypted and written into a specific sector of the RF chip 11.

[0072] It should be noted that after the target identity code is written into the RF chip 11, it can replace the original identity code of the RF chip 11 as the identity recognition mark of the RF chip 11, and compared with the original identity code, the target identity code is expanded and domain code is added, which can not only ensure the uniqueness of the target identity code in the area where the current business is located, but also ensure the uniqueness of the target identity code in different business areas, which can effectively avoid identity authentication errors and improve the security of IoT consumption.

[0073] Step S7: The cloud service platform 3 associates the binding target identity code with the payment account to be bound.

[0074] Specifically, see Figure 3 , the step S7 comprises:

[0075] Step S71: The user sends a payment binding request including a target identity code and a payment account to be bound to the cloud service platform 3;

[0076] Step S72: the cloud service platform 3 binds the target identity code and the payment account to be bound according to the payment binding request.

[0077] For further information, see Figure 4 , the step S71 comprises:

[0078] Step S711, the consumer terminal 2 obtains the target identity code of the radio frequency chip 11;

[0079] Step S712, the consumer terminal 2 generates a payment binding QR code including the target identity code of the radio frequency chip 11;

[0080] Step S713: The user scans the payment binding QR code to enter the payment binding page;

[0081] Step S714: the user enters the payment account to be bound on the payment binding page, and sends a payment binding request including the target identity code and the payment account to be bound to the cloud service platform 3;

[0082] For further information, see Figure 5 , the step S72 comprises:

[0083] Step S721, the cloud service platform 3 sends a binding verification message to the user according to the payment binding request;

[0084] Step S722: The user returns a binding confirmation message to the cloud service platform 3 according to the binding verification message;

[0085] Step S723: The cloud service platform 3 completes the binding association between the target identity code and the payment account to be bound according to the binding confirmation message.

[0086] In detail, in some embodiments of the present invention, the specific operation of step S7, the cloud business platform 3 associating the binding target identity code with the payment account to be bound is as follows: the radio frequency reading and writing module 21 senses the radio frequency chip 11, obtains the target identity code of the radio frequency chip 11, the processing module 22 generates a payment binding QR code including the target identity code of the radio frequency chip 11, the user scans the payment binding QR code through a smart terminal such as a mobile phone to enter the payment binding page, the user enters the payment account to be bound on the payment binding page, and sends a payment binding request including the target identity code and the payment account to be bound to the payment binding module 32, the payment binding module 32 sends a binding verification message to the user according to the payment binding request, the user returns a binding confirmation message to the payment binding module 32 according to the binding verification message, and the payment binding module 32 completes the binding association of the target identity code and the payment account to be bound according to the binding confirmation message.

[0087] The payment binding module 32 sends a binding verification message to the user by sending a mobile phone verification code to the user, and the user returns a binding confirmation message by entering the mobile phone verification code on the payment binding page.

[0088] In order to facilitate the display of the generated payment binding QR code, the consumer terminal 2 may further be provided with a display module electrically connected to the processing module 22 , and the display module may be a display screen.

[0089] Step S8: The user sends payment limit authorization information to the cloud service platform 3 to authorize the payment limit of the payment account associated with the target identity code.

[0090] Specifically, in step S8, the user can authorize the relevant payment limit for the payment account associated with the target identity code through the relevant business interaction platform (such as a mini program or mobile application). For example, a monthly limit of 5 yuan is set and password-free payment is enabled at the same time. When the user subsequently uses the relevant consumption medium 1 to consume within the limit, no payment operation is required to complete the consumption, thereby realizing seamless consumption.

[0091] After completing the payment binding according to the above-mentioned payment binding method, the user can use the relevant consumption medium 1 for consumption. The specific consumption method is as follows: the user places the consumption medium 1 in the designated area of ​​the consumption terminal 2, and the radio frequency reading and writing module 21 in the consumption terminal 2 senses the radio frequency chip 11 in the consumption medium 1, obtains the target identity code, and transmits it to the cloud business platform 3 through the communication module 23. The cloud business platform 3 authenticates the target identity code and finds the payment account bound to the target identity code. The user uses the consumption medium 1 to obtain the corresponding goods / services from the consumption terminal 2 and charges. Subsequently, the user removes the consumption medium 1 from the consumption terminal 2, and the consumption terminal 2 notifies the cloud business platform 3 to settle the consumption and deduct the corresponding amount in the bound payment account, thereby realizing the IoT seamless consumption through the relevant consumption medium 1.

[0092] Please combine Figure 6 , the following examples illustrate the application embodiments of the present invention in different application scenarios:

[0093] In the self-service drinking water scenario, the consumption medium 1 is a water cup equipped with a radio frequency chip, and the consumption terminal 2 is a water dispenser with a radio frequency chip reading and writing module, a processing module and a communication module. When used for the first time, the user first places the water cup at the water outlet of the water dispenser. The water dispenser automatically senses the radio frequency chip in the water cup, obtains the original identity code of the radio frequency chip, expands the original identity code, obtains the extended identity code, and then sends the extended identity code to the cloud business platform 3. The cloud business platform 3 adds the domain code after the extended identity code to form the target identity code and sends it to the water dispenser. The water dispenser then sends the target The identity code is written into the water cup to complete the identity generation process of the water cup. Then the user initiates a payment binding request to bind the payment account to the water cup and performs the corresponding payment limit authorization to complete the payment binding and limit authorization process of the water cup. After that, the water cup becomes the user's physical payment account. By placing the cup on the water dispenser, the consumption process of usage authentication, usage billing and payment bill can be completed, realizing contactless payment for one cup of water per person. The target identity code is used instead of the original identity code as the identity recognition mark, which can effectively avoid identity authentication errors and ensure the safety and reliability of the entire consumption process.

[0094] In the self-service laundry scenario, the consumption medium 1 is a washing tub equipped with a radio frequency chip, and the consumption terminal 2 is a washing machine with a radio frequency chip reading and writing module, a processing module and a communication module. When using it for the first time, the user first places the washing tub in the washing machine. The washing machine automatically senses the radio frequency chip in the washing tub, obtains the original identity code of the radio frequency chip, expands the original identity code, obtains the extended identity code, and then sends the extended identity code to the cloud business platform 3. The cloud business platform 3 adds the domain code after the extended identity code to form a target identity code and sends it to the washing machine. The washing machine then writes the target identity code into the washing tub to complete the identity generation process of the washing tub. Then the user initiates a payment binding request to bind the payment account to the washing tub, and performs the corresponding payment limit authorization to complete the payment binding and limit authorization process of the washing tub. After that, the washing tub becomes the user's physical payment account. By placing the washing tub on the washing machine, the consumption process of use authentication, use billing and payment bill can be completed, and one person and one bucket of laundry can be realized. The non-contact payment, and the use of the target identity code instead of the original identity code as the identity recognition mark can effectively avoid identity authentication errors and ensure the safety and reliability of the entire consumption process.

[0095] See also Figure 2 , the present invention also provides an Internet of Things non-sensing consumption system, comprising: a consumption medium 1, a consumption terminal 2 and a cloud business platform 3, wherein the consumption medium 1 is provided with a radio frequency chip 11;

[0096] The consumer terminal 2 is used to read the original identity code of the radio frequency chip 11, and expand the original identity code according to a preset expansion algorithm to obtain the extended identity code and send it to the cloud service platform 3, and receive the target identity code from the cloud service platform 3 and write it into the radio frequency chip 11;

[0097] The cloud business platform 3 is used to obtain the domain code corresponding to the current consumer business and receive the extended identity code sent by the consumer terminal 2, and combine the domain code and the extended identity code to obtain the target identity code and send it to the consumer terminal 2, and associate the target identity code with the payment account to be bound.

[0098] Preferably, according to different consumption scenarios, the consumer medium 1 can be different daily necessities containing the radio frequency chip 11. For example, a water cup containing the radio frequency chip 11 and a laundry tub containing the radio frequency chip, etc., wherein the water cup containing the radio frequency chip 11 can be used for self-service drinking, and the laundry tub containing the radio frequency chip 11 can be used for self-service laundry.

[0099] In addition, in some special consumption scenarios (such as self-service bathing), the consumption medium 1 can also be a consumption card containing a radio frequency chip 11.

[0100] Furthermore, the original identity code of the RF chip 11 is assigned to each RF chip 11 by the manufacturer of the RF chip 11 before the RF chip 11 leaves the factory, and is used for identity verification of the RF chip 11. Generally, the original identity code is a ten-digit code, but this is not a limitation of the present invention, and the specific number of digits of the original identity code can be adjusted according to actual needs, which will not affect the implementation of the present invention.

[0101] Specifically, in some embodiments of the present invention, the consumer terminal 2 includes: a radio frequency chip reading and writing module 21, a processing module 22 electrically connected to the radio frequency chip reading and writing module 21, and a communication module 23 electrically connected to the processing module 22. The consumer terminal 2 senses the radio frequency chip 11 in the consumer medium 1 through the radio frequency chip reading and writing module 21 to obtain the original identity code of the radio frequency chip 11.

[0102] Furthermore, the consumer terminal 2 changes accordingly according to the different consumer scenarios and the consumer medium to match the consumer scenarios and the consumer medium 1. For example, when applied to a self-service drinking water scenario, the consumer medium 1 is a water cup, and the consumer terminal 2 is a water dispenser; when applied to a self-service laundry scenario, the consumer medium 1 is a laundry tub, and the consumer terminal 2 is a washing machine; when applied to some other special scenarios (such as self-service bathing), the consumer medium 1 is a consumer card, and the consumer terminal 2 is a card swiping device.

[0103] Specifically, the preset extension algorithm is as follows: the consumer terminal 2 generates multiple random numbers in sequence, and arranges the multiple random numbers after the original identity code in the order of generation time, so as to obtain the extended identity code.

[0104] Furthermore, in some embodiments of the present invention, the extended algorithm is: the consumer terminal 2 generates six random numbers in sequence, and arranges the six random numbers in sequence after the ten-digit digital code of the original identity code in the order of generation time, to obtain a sixteen-digit extended identity code.

[0105] It should be noted that the present invention expands the original identity code to obtain an extended identity code, which can avoid the situation where different RF chips 11 have the same identity code, and ensure that the identity code of each RF chip 11 is unique in the current business area, that is, the identity code of each RF chip 11 is a globally unique code.

[0106] Specifically, corresponding to the above-mentioned consumer terminal 2, the specific process of the consumer terminal 2 expanding the original identity code is: after the RF chip reading and writing module 21 obtains the original identity code of the RF chip 11, it sends it to the processing module 22, and the processing module 22 expands the original identity code according to a preset expansion algorithm to obtain an extended identity code.

[0107] Preferably, in some embodiments of the present invention, the communication module 23 is a wireless network communication module, such as a 4G communication module or a 5G communication module, and the processing module 22 expands the extended identity code, which is encrypted by the communication module 23 and sent to the cloud business platform 3.

[0108] Specifically, the cloud service platform 3 includes a digital authentication module 31 and a payment binding module 32 for digital identity authentication and payment binding of the radio frequency chip 11 respectively.

[0109] Specifically, in some embodiments of the present invention, the domain code is obtained by the digital authentication module 31 from the global domain unique encoder 4 corresponding to the area where the current service is located.

[0110] Furthermore, each service area corresponds to a global domain unique encoder 4 for generating a domain code corresponding to the service area. For example, if the current service area is a consumer service within a university campus, a global domain unique encoder 4 is set for the consumer service within the university campus to generate a domain code for the university campus. For another example, if the current service area is a consumer service within a factory park, a global domain unique encoder 4 is set for the consumer service within the factory park to generate a domain code for the factory park. Each service area corresponds to a domain code, and different service areas correspond to different domain codes.

[0111] Specifically, the digital authentication module 31 is used to combine the domain code and the extended identity code to obtain the target identity code and send it to the consumer terminal 2 .

[0112] Furthermore, in some embodiments of the present invention, the domain code is a four-digit code, and a twenty-digit target identity code is obtained by adding a four-digit domain code after a sixteen-digit extended identity code.

[0113] Specifically, the communication module 23 is also used to receive the target identity code from the digital authentication module 31 and transmit it to the processing module 22, which is then sent by the processing module 22 to the RF chip read-write module 21, and finally the RF chip read-write module 21 writes the target identity code into the RF chip 11, specifically, encrypts the target identity code and writes it into a specific sector of the RF chip 11.

[0114] It should be noted that after the target identity code is written into the RF chip 11, it can replace the original identity code of the RF chip 11 as the identity recognition mark of the RF chip 11, and compared with the original identity code, the target identity code is expanded and domain code is added, which can not only ensure the uniqueness of the target identity code in the current business area, but also ensure the uniqueness of the target identity code in different business areas, which can effectively avoid identity authentication errors and improve the security of IoT consumption.

[0115] Specifically, see Figure 3 The specific process of the cloud business platform 3 associating and binding the target identity code with the payment account to be bound includes:

[0116] The cloud service platform 3 receives a payment binding request including a target identity code and a payment account to be bound;

[0117] The cloud service platform 3 binds the target identity code and the payment account to be bound according to the payment binding request.

[0118] Furthermore, in some embodiments of the present invention, the payment binding request is generated as follows:

[0119] The consumer terminal 2 obtains the target identity code of the radio frequency chip 11;

[0120] The consumer terminal 2 generates a payment binding QR code including the target identity code of the radio frequency chip 11;

[0121] The user scans the payment binding QR code to enter the payment binding page;

[0122] The user enters the payment account to be bound on the payment binding page, and sends a payment binding request including the target identity code and the payment account to be bound to the cloud service platform 3;

[0123] Furthermore, the process of binding the target identity code and the payment account to be bound includes:

[0124] The cloud service platform 3 sends a binding verification message to the user according to the payment binding request;

[0125] The user returns a binding confirmation message to the cloud service platform 3 according to the binding verification message;

[0126] The cloud service platform 3 completes the binding association between the target identity code and the payment account to be bound according to the binding confirmation message.

[0127] In detail, in some embodiments of the present invention, the specific process of payment binding is as follows: the radio frequency reading and writing module 21 senses the radio frequency chip 11 and obtains the target identity code of the radio frequency chip 11, the processing module 22 generates a payment binding QR code including the target identity code of the radio frequency chip 11, the user scans the payment binding QR code through a smart terminal such as a mobile phone to enter the payment binding page, the user enters the payment account to be bound on the payment binding page, and sends a payment binding request including the target identity code and the payment account to be bound to the payment binding module 32, the payment binding module 32 sends a binding verification message to the user according to the payment binding request, the user returns a binding confirmation message to the payment binding module 32 according to the binding verification message, and the payment binding module 32 completes the binding association of the target identity code and the payment account to be bound according to the binding confirmation message.

[0128] The payment binding module 32 sends a binding verification message to the user by sending a mobile phone verification code to the user, and the user returns a binding confirmation message by entering the mobile phone verification code on the payment binding page.

[0129] In order to facilitate the display of the generated payment binding QR code, the consumer terminal 2 may further be provided with a display module electrically connected to the processing module 22 , and the display module may be a display screen.

[0130] Furthermore, the cloud business platform 3 is also used to receive payment limit authorization information, and perform payment limit authorization on the payment account associated with the target identity code according to the payment limit authorization information.

[0131] Specifically, users can send payment limit authorization information to the cloud business platform 3 through relevant business interaction platforms (such as mini programs or mobile applications) to authorize the relevant payment limit for the payment account associated with the target identity code. For example, the monthly limit is 5 yuan and password-free payment is enabled at the same time. When subsequent users use relevant consumption media to consume within the limit, they can complete the consumption without performing any payment operations.

[0132] After completing the payment binding according to the above-mentioned payment binding method, the user can use the relevant consumption medium 1 for consumption. The specific consumption method is as follows: the user places the consumption medium 1 in the designated area of ​​the consumption terminal 2, and the radio frequency reading and writing module 21 in the consumption terminal 2 senses the radio frequency chip 11 in the consumption medium 1, obtains the target identity code, and transmits it to the cloud business platform 3 through the communication module 23. The cloud business platform 3 authenticates the target identity code and finds the payment account bound to the target identity code. The user uses the consumption medium 1 to obtain the corresponding goods / services from the consumption terminal 2 and charges. Subsequently, the user removes the consumption medium 1 from the consumption terminal 2, and the consumption terminal 2 notifies the cloud business platform 3 to settle the consumption and deduct the corresponding amount in the bound payment account, thereby realizing the IoT seamless consumption through the relevant consumption medium 1.

[0133] The following examples illustrate the application embodiments of the present invention in different application scenarios:

[0134] In the self-service drinking water scenario, the consumption medium 1 is a water cup equipped with a radio frequency chip, and the consumption terminal 2 is a water dispenser with a radio frequency chip reading and writing module, a processing module and a communication module. When used for the first time, the user first places the water cup at the water outlet of the water dispenser. The water dispenser automatically senses the radio frequency chip in the water cup, obtains the original identity code of the radio frequency chip, expands the original identity code, obtains the extended identity code, and then sends the extended identity code to the cloud business platform 3. The cloud business platform 3 adds the domain code after the extended identity code to form the target identity code and sends it to the water dispenser. The water dispenser then sends the target The identity code is written into the water cup to complete the identity generation process of the water cup. Then the user initiates a payment binding request to bind the payment account to the water cup and performs the corresponding payment limit authorization to complete the payment binding and limit authorization process of the water cup. After that, the water cup becomes the user's physical payment account. By placing the cup on the water dispenser, the consumption process of usage authentication, usage billing and payment bill can be completed, realizing contactless payment for one cup of water per person. The target identity code is used instead of the original identity code as the identity recognition mark, which can effectively avoid identity authentication errors and ensure the safety and reliability of the entire consumption process.

[0135] In the self-service laundry scenario, the consumption medium 1 is a washing tub equipped with a radio frequency chip, and the consumption terminal 2 is a washing machine with a radio frequency chip reading and writing module, a processing module and a communication module. When using it for the first time, the user first places the washing tub in the washing machine. The washing machine automatically senses the radio frequency chip in the washing tub, obtains the original identity code of the radio frequency chip, expands the original identity code, obtains the extended identity code, and then sends the extended identity code to the cloud business platform 3. The cloud business platform 3 adds the domain code after the extended identity code to form a target identity code and sends it to the washing machine. The washing machine then writes the target identity code into the washing tub to complete the identity generation process of the washing tub. Then the user initiates a payment binding request to bind the payment account to the washing tub, and performs the corresponding payment limit authorization to complete the payment binding and limit authorization process of the washing tub. After that, the washing tub becomes the user's physical payment account. By placing the washing tub on the washing machine, the consumption process of use authentication, use billing and payment bill can be completed, and one person and one bucket of laundry can be realized. The non-contact payment, and the use of the target identity code instead of the original identity code as the identity recognition mark can effectively avoid identity authentication errors and ensure the safety and reliability of the entire consumption process.

[0136] In summary, the present invention provides a payment binding method and an IoT non-sensing consumption system for IoT. The method comprises the following steps: the consumer terminal senses the radio frequency chip in the consumption medium and obtains the original identity code of the radio frequency chip; the consumer terminal expands the original identity code according to a preset expansion algorithm to obtain an extended identity code; the consumer terminal sends the extended identity code to the cloud business platform; the cloud business platform obtains the domain code corresponding to the area where the current business is located; the cloud business platform combines the domain code and the extended identity code to obtain the target identity code and sends it to the consumer terminal; the consumer terminal writes the target identity code into the RF chip; the cloud business platform associates and binds the target identity code with the payment account to be bound, and uses the target identity code as the identity identification mark of the RF chip to bind with the payment account, which can improve the security of IoT consumption and the user's consumption experience.

[0137] As described above, for ordinary technicians in this field, various other corresponding changes and modifications can be made based on the technical solutions and technical concepts of the present invention, and all these changes and modifications should fall within the protection scope of the claims of the present invention.

Claims

1. A payment binding method applied to IoT non-sensing consumption, characterized in that: The method comprises the following steps: step S1, the consumer terminal senses the radio frequency chip in the consumer medium and obtains the original identity code of the radio frequency chip; step S2, the consumer terminal expands the original identity code according to a preset expansion algorithm to obtain an extended identity code; step S3, the consumer terminal sends the extended identity code to the cloud business platform; step S4, the cloud business platform obtains the domain code corresponding to the area where the current business is located; step S5, the cloud business platform combines the domain code and the extended identity code to obtain the target identity code and sends it to the consumer terminal; step S6, the consumer terminal writes the target identity code into the radio frequency chip; step S7, the cloud business platform associates and binds the target identity code with the payment account to be bound; The extension algorithm preset in step S2 is specifically: the consumer terminal generates multiple random numbers in sequence, and arranges the multiple random numbers in sequence after the original identity code according to the time sequence of generation, so as to obtain the extended identity code; In the step S3, the consumer terminal sends the extended identity code to the cloud service platform through an encrypted channel; in the step S6, the consumer terminal encrypts the target identity code and writes it into the radio frequency chip; The step S7 comprises: step S71, the user sends a payment binding request including a target identity code and a payment account to be bound to the cloud service platform; step S72, the cloud service platform binds the target identity code and the payment account to be bound according to the payment binding request; The step S71 includes: step S711, the consumer terminal obtains the target identity code of the radio frequency chip; step S712, the consumer terminal generates a payment binding QR code including the target identity code of the radio frequency chip; step S713, the user scans the payment binding QR code to enter the payment binding page; step S714, the user enters the payment account to be bound on the payment binding page, and sends a payment binding request including the target identity code and the payment account to be bound to the cloud business platform; The step S72 includes: step S721, the cloud service platform sends a binding verification message to the user according to the payment binding request; step S722, the user returns a binding confirmation message to the cloud service platform according to the binding verification message; step S723, the cloud service platform completes the binding association between the target identity code and the payment account to be bound according to the binding confirmation message; The method further includes step S8, wherein the user sends payment limit authorization information to the cloud service platform to authorize the payment limit of the payment account associated with the target identity code; The consumer medium is a daily necessity containing a radio frequency chip; The IoT senseless consumption system for executing the method comprises: a consumption medium, a consumption terminal and a cloud service platform, wherein the consumption medium is provided with a radio frequency chip; the consumption terminal is used to read the original identity code of the radio frequency chip, and expand the original identity code according to a preset expansion algorithm to obtain the extended identity code and send it to the cloud service platform, and receive the target identity code from the cloud service platform and write it into the radio frequency chip; the cloud service platform is used to obtain the domain code corresponding to the current consumption service and receive the extended identity code sent by the consumption terminal, and combine the domain code and the extended identity code to obtain the target identity code and send it to the consumption terminal, and associate and bind the target identity code with the payment account to be bound; After the target identity code is written into the RF chip, it can replace the original identity code of the RF chip as the identity recognition mark of the RF chip. Compared with the original identity code, the target identity code is expanded and domain code is added, which not only ensures the uniqueness of the target identity code in the current business area, but also ensures the uniqueness of the target identity code in different business areas. It can effectively avoid identity authentication errors and improve the security of IoT consumption.

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