A payment method, device, equipment and readable medium

Abstract

An embodiment of this specification discloses a payment method, device, equipment, and readable medium. The solution may include: obtaining a first order payment request sent by a smart device; the first order payment request carries target order information, and the target order information includes a smart device identifier and a user account identifier; querying whether there is a password-free payment authorization certificate corresponding to the smart device identifier and the user account identifier; the password-free payment authorization certificate is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make password-free payments for orders on the smart device; if there is the password-free payment authorization certificate, then use the user account to complete the payment for the order.

Description

Technical Field

[0001] This application relates to the technical field of electronic payment, and in particular, to a payment method, device, equipment, and computer-readable medium based on intelligent devices. Background Art

[0002] Currently, using a mobile phone terminal for payment is a relatively mature electronic payment method. With the development of Internet of Things technology and the popularization of intelligent hardware (such as intelligent cars, smart homes, etc.), there is a growing demand for payment on intelligent hardware.

[0003] In some life scenarios, for example, when a user is using an intelligent device (such as a vehicle equipped with intelligent hardware), although the user can browse information on the intelligent hardware, when it comes to payment, the user needs to use a mobile phone terminal to call up the payment page of the payment service provider to make a payment. It can be seen that during the process of using an intelligent device by the user, the processes and operations of information browsing and payment are not smooth, especially for some high-frequency payment users, which is very inconvenient.

[0004] In view of this, there is a need to provide a more convenient payment method for intelligent device scenarios. Summary of the Invention

[0005] Embodiments of this specification provide a payment method, device, equipment, and computer-readable medium based on intelligent devices to solve the problem that the existing processes and operations of information browsing and payment during the use of intelligent devices by users are not smooth and the payment is not convenient.

[0006] To solve the above technical problems, the embodiments of this specification are implemented as follows:

[0007] A payment method provided by an embodiment of this specification includes:

[0008] Obtain a first order payment request sent by an intelligent device; the first order payment request carries target order information, and the target order information includes an intelligent device identifier and a user account identifier;

[0009] Query whether there is a password-free payment authorization certificate corresponding to the intelligent device identifier and the user account identifier; the password-free payment authorization certificate is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make password-free payment for orders on the intelligent device;

[0010] If there is the password-free payment authorization certificate, use the user account to complete the payment for the order.

[0011] A payment device provided by an embodiment of this specification includes:

[0012] A payment request acquisition module, configured to acquire a first order payment request sent by a smart device; the first order payment request carries target order information, and the target order information includes a smart device identifier and a user account identifier;

[0013] An authorization certificate query module, configured to query whether there is a passwordless payment authorization certificate corresponding to the smart device identifier and the user account identifier; the passwordless payment authorization certificate is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make passwordless payments for orders on the smart device;

[0014] A payment module, configured to, if there is the passwordless payment authorization certificate, use the user account to complete the payment for the order.

[0015] A payment device provided by an embodiment of this specification includes:

[0016] At least one processor; and,

[0017] A memory communicatively connected to the at least one processor; wherein,

[0018] The memory stores instructions executable by the at least one processor, and when the instructions are executed by the at least one processor, the at least one processor is enabled to:

[0019] Acquire a first order payment request sent by a smart device; the first order payment request carries target order information, and the target order information includes a smart device identifier and a user account identifier;

[0020] Query whether there is a passwordless payment authorization certificate corresponding to the smart device identifier and the user account identifier; the passwordless payment authorization certificate is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make passwordless payments for orders on the smart device;

[0021] If there is the passwordless payment authorization certificate, use the user account to complete the payment for the order.

[0022] A computer-readable medium provided by an embodiment of this specification, on which computer-readable instructions are stored, and the computer-readable instructions can be executed by a processor to implement a payment method.

[0023] At least one embodiment of this specification can achieve the following beneficial effects: By pre - establishing a password - free payment authorization voucher corresponding to the smart device and the user account by the payment service system, the password - free payment authorization voucher is used to indicate that the owner of the user account authorizes the use of the user account to make password - free payments for orders on the smart device. Thus, when the payment service system receives an order payment request sent by the smart device, it can query whether there is a password - free payment authorization voucher corresponding to the smart device that sent the order payment request. If there is, it can use the corresponding user account to complete the payment for the order, thereby enabling password - free payment during the user's use of the smart device, and the payment process is convenient. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] To more clearly illustrate the technical solutions in the embodiments of this specification or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the drawings in the following description are only some embodiments recorded in this application. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings.

[0025] Figure 1 Schematic diagram of an application scenario of a payment method provided by an embodiment of this specification;

[0026] Figure 2 Flow chart of a payment method provided by an embodiment of this specification;

[0027] Figure 3 Flow chart of a password - free payment method based on a smart device in an actual application scenario provided by an embodiment of this specification;

[0028] Figure 4 Swimlane diagram of a password - free payment solution based on a smart device provided by an embodiment of this specification;

[0029] Figure 5 Corresponding to an embodiment of this specification Figure 2 Structural diagram of a payment device;

[0030] Figure 6 Corresponding to an embodiment of this specification Figure 2 Structural diagram of a payment device; DETAILED DESCRIPTION OF THE EMBODIMENTS

[0031] Active password-free payment is a fast, efficient, and secure payment method that is increasingly popular among payment users. With the coverage of the acquiring payment network, more and more private smart hardware devices have replaced mobile terminals as new payment scenarios. In some life scenarios, for example, during the process of using a smart device (such as a smart vehicle), although users can browse information on the smart device (such as in-vehicle smart hardware), when it comes to making a payment, users need to use a mobile terminal to call up the payment page of the payment service provider to make the payment. It can be seen that during the process of using a smart device, the processes and operations of information browsing and payment are not smooth, especially for some high-frequency payment users, which is very inconvenient.

[0032] In this context, for users of smart devices, there is a need to achieve payment directly through smart devices without relying on mobile terminals. For example, during the process of using a smart car, payment is directly achieved through the smart car.

[0033] In view of this, in the embodiments of this specification, a payment method based on smart devices is provided. Figure 1 It is a schematic diagram of the application scenario of a payment method provided by the embodiments of this specification.

[0034] As Figure 1 shown, in the server of the payment service system, a password-free payment authorization certificate corresponding to the smart device and the user account can be established in advance. The password-free payment authorization certificate is used to indicate that the owner of the user account authorizes the use of the user account to make password-free payments for orders on the smart device. Thus, when the payment server receives an order payment request sent by the smart device, it can query whether there is a password-free payment authorization certificate corresponding to the smart device that sent the order payment request and established in advance according to user authorization. If it exists, the corresponding user account can be used to complete the payment of the order, thereby enabling password-free payment during the process of using the smart device, and the payment process is convenient.

[0035] In Figure 1 it, for the sake of illustration, a smart car is shown as an example of a smart device, but it is not limited to this. In the embodiments of this specification, the smart device can be an Internet of Things (IOT) device, that is, an IOT device. Optionally, the smart device can include smart home devices such as smart TVs, smart refrigerators, smart washing machines, smart speakers, etc., can include smart wearable devices such as earphones, smart glasses, smart helmets, etc., can include smart transportation devices such as cars, electric vehicles, etc., and can also include IOT devices applied to specific fields such as agriculture, medical care, and construction. The smart devices in actual applications are not limited to these examples.

[0036] To make the objectives, technical solutions, and advantages of one or more embodiments of this specification clearer, the following will clearly and completely describe the technical solutions of one or more embodiments of this specification in conjunction with specific embodiments of this specification and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, rather than all of them. Based on the embodiments in this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts belong to the scope protected by one or more embodiments of this specification.

[0037] It should be understood that although the terms first, second, third, etc. may be used in this application document to describe various information, such information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other.

[0038] The following will, in conjunction with the drawings, detail the technical solutions provided by each embodiment of this specification.

[0039] Figure 2 It is a schematic flowchart of a payment method provided for an embodiment of this specification. From a program perspective, the execution subject of the process can be a program running on an application server. In the embodiments of this specification, the application server can be the server of a payment service system, that is, a payment server.

[0040] As Figure 2 shown, this process can include the following steps:

[0041] Step 202: Obtain a first order payment request sent by a smart device; the first order payment request carries target order information, and the target order information includes a smart device identifier and a user account identifier.

[0042] In the embodiments of this specification, the smart device can include a smart home device, a smart transportation device, a smart wearable device, etc., and is not limited thereto. On the smart device, various types and functions of application programs can be installed. For example, the types of application programs that can be installed on the smart device can include, but are not limited to, browser applications, audio and video entertainment applications, social communication applications, news reading applications, travel navigation applications, ticket booking applications, shopping applications, payment and financial management applications, and so on.

[0043] In practical applications, when a user uses any application on a smart device and needs to make a payment, the user can select a payment channel to invoke the payment application corresponding to the payment service system on the smart device, and thus send an order payment request to the payment server via the payment application. Among them, the process of selecting a payment channel can be that the user selects manually, or can be automatically selected according to the default payment channel list preset by the user. In the embodiments of this specification, the payment application corresponding to the payment service system can be an independent payment application installed in the smart device operating system, or can be a small program parasitic in other independent applications on the smart device.

[0044] In practical applications, when a payment client is invoked for payment during the user's use of a smart device, the payment account needs to be logged in first. Specifically, before obtaining the first order payment request sent by the smart device, it may further include: obtaining a user account login request sent by the smart device, where the user account login request may carry login key information provided by the user; according to the login key information, determining whether the login key information is consistent with the preset login key information of the user account to obtain a fourth determination result; if the fourth determination result is yes, issuing a login credential to the smart device, and the login credential is used to log in the user account on the smart device. Through login verification, it can be confirmed that the current user of the smart device and the sender of the order are the account owners to ensure the security of subsequent passwordless payments.

[0045] In addition, in practical applications, when a user uses a smart device, the smart device can also use its built-in identity verification function to confirm the user's identity to verify whether the current user is the preset owner of the smart device, so as to further enhance the payment security based on the smart device.

[0046] Step 204: Query whether there is a passwordless payment authorization credential corresponding to the smart device identifier and the user account identifier; the passwordless payment authorization credential is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make passwordless payments for orders on the smart device.

[0047] Passwordless payment can refer to the process that the user can complete the current transaction payment without entering the payment password during the current payment. Passwordless payment authorization refers to the user actively signing a passwordless agreement to authorize a third-party payment service provider to make passwordless deductions for transactions initiated by a specific smart device.

[0048] In an order payment request sent by a smart device to a payment server, at least information such as a smart device identifier and a user account identifier can be carried. Among them, the smart device identifier can be used by the payment server to identify the requester of the order payment request. The smart device identifier and the account identifier can be jointly used by the payment service system to determine whether a passwordless payment authorization credential has been established between the two, that is, to determine whether to use the account resources corresponding to the account identifier to respond to the order payment request and perform passwordless payment for the target order.

[0049] An order on a smart device can be an order corresponding to a payment request sent by the smart device. More specifically, it can be an order submitted by a user in an application installed on the smart device. In the embodiments of this specification, since the order is sent to the server of the payment service system, the order can be submitted by calling the payment interface corresponding to the payment service system on the smart device.

[0050] In practical applications, usually a payment service provider can reach a strategic cooperation agreement with some smart device manufacturers in advance. Furthermore, for smart devices generated or operated by smart device manufacturers that have reached a strategic cooperation agreement, a passwordless payment service can be provided. The passwordless payment service can refer to providing a passwordless payment service for a target smart device in the case where a passwordless payment authorization credential has been established for the target smart device.

[0051] In an alternative implementation, before querying whether there is a passwordless payment authorization credential corresponding to the smart device identifier and the user account identifier, it may further include: first, determining the smart device manufacturer to which the smart device belongs according to the smart device identifier; then determining whether the payment service provider has signed a target cooperation agreement with the smart manufacturer to obtain a fifth judgment result. Thus, if the fifth judgment result indicates that a target cooperation agreement has been signed with the smart manufacturer, further query whether there is a passwordless payment authorization credential corresponding to the smart device identifier and the user account identifier. If the fifth judgment result indicates that no target cooperation agreement has been signed with the smart manufacturer, subsequent queries may not be executed.

[0052] For example, if a payment service provider has signed a target cooperation agreement with Company A Automobile but not with Company B Automobile, for an order payment request sent by a vehicle of Company A Automobile, after identifying the smart device identifier and determining that it belongs to Company A Automobile, it can query whether there is a corresponding passwordless payment authorization credential. For an order payment request sent by a vehicle of Company B Automobile, after identifying the smart device identifier and determining that it belongs to Company B Automobile, it can directly enter the regular payment process (for example, enter the mobile phone scan code payment process) without querying whether there is a corresponding passwordless payment authorization credential.

[0053] In practice, since the number of smart devices is huge, for example, tens of thousands, while the number of manufacturers to which the smart devices belong is usually small, for example, two or three. Therefore, based on the foregoing optional embodiments, before querying whether there is a relevant password-free payment authorization voucher based on the smart device identifier, it is first determined whether a target cooperation agreement has been signed with the smart device manufacturer to which the smart device belongs, thereby avoiding performing the operation of querying the password-free payment authorization voucher for any smart device request, and being able to reduce the consumption of system resources to a certain extent.

[0054] Step 206: If there is the password-free payment authorization voucher, use the user account to complete the payment for the order.

[0055] If there is a pre-established password-free payment authorization voucher stored in the payment service system that corresponds to both the smart device identifier and the user account identifier in the target order information, it indicates that the owner of the user account corresponding to the user account identifier has pre-authorized to use the resources of the user account to perform password-free payment for the order sent by the smart device. Therefore, the payment for the order can be completed using the user account.

[0056] On the contrary, if there is no password-free payment authorization voucher stored in the payment service system that corresponds to both the smart device identifier and the user account identifier in the target order information, in this case, password-free payment cannot be performed, and the normal payment process can be entered. For example, the mobile phone scan code payment process can be entered.

[0057] It should be understood that in the method described in one or more embodiments of this specification, the order of some steps can be adjusted according to actual needs, or some steps can be omitted.

[0058] Figure 2 In the method, by pre-establishing a password-free payment authorization voucher corresponding to the smart device and the user account in the payment service system, the password-free payment authorization voucher is used to represent that the owner of the user account authorizes the use of the user account to perform password-free payment for the order on the smart device. Thus, when the payment service system receives an order payment request sent by the smart device, it can query whether there is a password-free payment authorization voucher corresponding to the smart device that sent the order payment request. If there is, the payment for the order can be completed using the corresponding user account, thereby enabling password-free payment during the user's use of the smart device, and the payment process is convenient.

[0059] In traditional passwordless payment solutions, an authorization relationship can be pre-established among merchants, users, and payment service providers. However, since there are usually more than one merchant's corresponding applications installed on smart devices, it is difficult to comprehensively promote this passwordless payment authorization method to all applications on smart IOT devices. Moreover, it would be very cumbersome for payment service providers to establish authorization relationships with a large number of merchants and users one by one, which is difficult to achieve in reality. In contrast, in the passwordless payment solution based on smart devices provided in the embodiments of this specification, users can authorize payment service providers to perform passwordless payment on specific smart devices, thereby establishing an authorization relationship among smart devices, users, and payment service providers. In the solution of the embodiments of this specification, users can sign a passwordless payment agreement based on smart devices rather than on merchants to achieve active passwordless payment for subsequent transactions on this smart device, without the need to repeat and separately authorize each APP on the smart device. Based on the solution of the embodiments of this specification, it is convenient for users to perform convenient passwordless payment on smart devices.

[0060] In a specific application scenario, when the smart device is a smart car, users can achieve convenient passwordless payment on the in-vehicle smart hardware of the smart car. Specifically, shopping applications can be installed on the in-vehicle smart hardware. When users browse product information in the shopping application and then click to pay and select a payment service provider as the payment channel, the corresponding payment client or payment mini-program of the payment service provider can be launched. The payment client or payment mini-program generates an order payment request, which may include the smart car identifier (or, in-vehicle smart hardware identifier) and the user account identifier that has been logged in to the payment client or payment mini-program, and sends the order payment request to the server of the payment service provider. Thus, the payment server can query whether there is a passwordless payment voucher corresponding to both the smart car identifier (or, in-vehicle smart hardware identifier) and the user account identifier carried in the received order payment information (this passwordless payment voucher is pre-authorized and established by the owner of the account corresponding to the user account identifier). If it exists, the resources in the account corresponding to the user account identifier can be used to pay the current order. Throughout the payment process, from users browsing information, initiating payment, to completing payment, there is no need for users to take out their mobile terminals, nor do they need to enter passwords, achieving convenient passwordless payment based on smart hardware. Thus, it is convenient for users to complete shopping payments through smart cars in daily life, such as during the process of using a car.

[0061] Based on Figure 2 the method, the embodiments of this specification also provide some specific implementation manners of this method, which will be described below.

[0062] In the embodiments of this specification, when the payment service system queries and finds that there is no passwordless payment authorization voucher corresponding to the smart device identifier and the user account identifier carried in the target order information, the user can be guided to enter the regular payment process.

[0063] Specifically: Payment QR code information can be generated based on the target order information; then the payment QR code information is sent to the smart device, and the payment QR code information is used to initiate a second order payment request after being scanned by the client corresponding to the payment system that generated the payment QR code information. That is, a payment QR code can be displayed on the smart device, and the user can use the payment client of the payment service provider installed on the mobile terminal to scan the payment QR code on the smart device to complete the payment.

[0064] Furthermore, the payment server can obtain the second order payment request sent by the client based on the payment QR code. The second order payment request may carry the target order information, and the target order information includes the smart device identifier and the user account identifier; then in response to the second order payment request, a payment authentication information acquisition request is sent to the client; obtain the payment authentication information provided by the user for the payment authentication information acquisition request returned by the client. The payment authentication information may include, for example, a login password, a mobile phone verification code, fingerprint information, facial feature information, etc.; then according to the payment authentication information returned by the client, it is determined whether the user is the owner of the account corresponding to the user account identifier, and a first judgment result is obtained; if the first judgment result indicates that the user is the owner of the account corresponding to the user account identifier, the user account can be used to complete the payment of the order.

[0065] In the embodiments of this specification, when the payment service system queries and finds that there is no passwordless payment authorization voucher corresponding to the smart device identifier and the user account identifier carried in the target order information, the user can be guided to authorize the establishment of a passwordless authorization voucher.

[0066] Specifically, after using the user account to complete the payment of the order, it may further include: sending passwordless payment authorization guidance information to the client, and the passwordless payment authorization guidance information is used to guide the user to authorize passwordless payment on the smart device.

[0067] Optionally, before sending the passwordless payment authorization guidance information to the client, it may further include: determining the smart device manufacturer to which the smart device belongs according to the smart device identifier; and determining whether the payment service provider to which the payment system belongs has signed a target cooperation agreement with the smart manufacturer, where the target cooperation agreement includes: "When the user selects the payment channel of the payment service provider on the smart device corresponding to the smart device manufacturer for payment, passwordless payment can be performed under certain preset conditions." Thus, when the judgment result indicates that the payment service provider to which the payment system belongs has signed a target cooperation agreement with the smart manufacturer, the passwordless payment authorization guidance information can be sent to the client.

[0068] After sending the passwordless payment authorization guidance information to the client, it may further include: obtaining the passwordless payment authorization information of the user sent by the client; the passwordless payment authorization information is used to indicate that the user agrees to perform passwordless payment on the smart device; and then generating a passwordless payment authorization certificate corresponding to the smart device identifier and the user account identifier based on the passwordless payment authorization information.

[0069] Optionally, the passwordless payment authorization information may carry passwordless payment amount information. Thus, generating a passwordless payment authorization certificate corresponding to the smart device identifier and the user account identifier based on the passwordless payment authorization information may specifically include: generating a passwordless payment authorization certificate corresponding to the smart device identifier, the user account identifier, and the passwordless payment amount based on the passwordless authorization information.

[0070] Correspondingly, when using the user account for payment based on the passwordless payment authorization certificate, it may specifically include: obtaining the passwordless payment amount corresponding to the passwordless payment authorization certificate; determining whether the order amount is less than or equal to the passwordless payment amount carried in the target order information to obtain a second judgment result; if the second judgment result indicates that the order amount is less than or equal to the passwordless payment amount, the payment for the order can be completed using the user account. On the contrary, if the second judgment result indicates that the order amount is greater than the passwordless payment amount, the normal payment process can be entered. For example, the mobile phone QR code payment process can be entered. Based on the embodiments of this specification, by controlling the amount of passwordless payment within a certain authorized range, the potential financial risk of the user's passwordless payment can be controlled or reduced to a certain extent.

[0071] In practice, during the process of passwordless payment, in addition to convenience, users also hope that the quick passwordless payment service provided by payment service providers is safe and reliable. Therefore, during the passwordless payment process, a security assessment can be performed on the current transaction. If the security assessment passes, passwordless payment is allowed; if the security assessment fails, it can be downgraded to use a conventional payment channel for payment. For example, it can be changed to pay by scanning a QR code with a mobile phone.

[0072] In an alternative embodiment, the specific process of using the user account to complete the payment for the order may include: determining the order risk level of the target order based on the target order information; then determining whether the order risk level is less than a preset risk level threshold to obtain a third determination result; if the third determination result is yes, using the user account to complete the payment for the order; if the third determination result is no, entering the conventional payment process.

[0073] Among them, the determining the order risk level of the target order based on the target order information may specifically include: obtaining the order-related information corresponding to the target order, where the order-related information may include one or more of smart device information, order type information, order amount information, order time information, or order location information; then, inputting the order-related information into a pre-trained risk control model to identify the order risk level of the target order.

[0074] In practice, the process of determining the order risk level can be executed by a separate risk control system, and it can be determined according to which order-related information to evaluate the risk level based on the specific smart device type in the embodiments of this specification (i.e., according to the specific application scenario). For example, in the scenario where a user uses a smart car, if the requested payment order involves transactions such as shopping and ticket purchasing, it may belong to low-risk characteristics; if the requested payment order involves transactions such as large-amount transfers, it may belong to high-risk characteristics. The examples given here are only illustrative, and the embodiments of the solutions of this application are not limited thereto.

[0075] Based on the embodiments of this specification, when a user requests to implement passwordless payment on a smart device, it is not only necessary to verify whether the smart device is authorized, but also the relevant information of the current transaction can be combined to comprehensively determine whether to allow this transaction to use passwordless payment, thereby ensuring convenience for user payment while ensuring payment security. In addition, in the payment solution of the embodiments of this specification, it can be downgraded to the conventional payment process at any time according to the actual situation to ensure the smoothness of the user payment process.

[0076] According to the above description, the flowchart of a passwordless payment method based on a smart device in a practical application scenario provided by the embodiments of this specification is as Figure 3 shown.

[0077] In Figure 3 it, after receiving an order payment request, the payment server can determine whether the user has signed a passwordless payment agreement on the requesting smart device according to the information carried in the request. If the user has signed the passwordless payment agreement, after entering the passwordless payment process, it further determines whether there is a risk for the current transaction. If there is no risk, the passwordless payment is completed. If there is a risk, it switches to the regular payment process; if the user has not signed the passwordless payment agreement, it directly enters the regular payment process and guides the user to sign the passwordless payment agreement.

[0078] Figure 4 shows a swimlane diagram of the passwordless payment solution based on smart devices provided by the embodiments of the present specification.

[0079] As Figure 4 shown in (1), on the smart device, when the user needs to make a payment, they can select a payment service provider channel to make the payment;

[0080] (2) On the payment server of the payment service provider, it receives the payment request and determines whether the user has authorized small-amount passwordless payment under this device (queries whether there is a passwordless payment authorization voucher). If it has been authorized, it executes the passwordless payment. If it has not been authorized, it generates payment QR code information and sends it to the smart device;

[0081] (3) On the smart device, it displays the payment QR code;

[0082] (4) On the user's mobile phone terminal, they can use the payment client of the payment service provider to scan the payment QR code on the smart device to obtain the order information and send it to the payment server;

[0083] (5) On the payment server, it can complete the payment based on the order information; after that, if it determines that there is a payment cooperation agreement signed with the smart device manufacturer corresponding to the smart device, it can guide the user to sign the passwordless payment agreement;

[0084] (6) On the payment system client, it displays a page for guiding the user to authorize passwordless payment, and then receives the user's passwordless payment authorization operation;

[0085] (7) After the authorization is completed, on the payment server, it establishes a passwordless payment authorization voucher corresponding to the user ID and the smart device ID.

[0086] Based on the solution of the embodiments of this specification, after the user completes the scan code payment on the smart device, the user can be guided to sign up for passwordless payment based on the smart device. When the user signs up for passwordless payment, an authorization certificate among the smart device, the user, and the payment service provider is generated. Thus, when the user makes a payment on the smart device again, the payment service provider's SDK can be used to obtain the currently logged-in device information to verify the authorization certificate based on the smart device, thereby realizing passwordless payment.

[0087] Moreover, in addition to verifying the authorization certificate based on the smart device, when making a passwordless payment, the payment service provider can also transmit the transaction information and the information of the current payment to the risk control system. The risk control system determines the risk of the current payment. If it is determined to be a low risk, the passwordless payment is completed; if it is a medium or high risk, the current passwordless payment can be interrupted and downgraded to a regular payment. For example, a QR code is generated for the user to scan with the mobile terminal and complete the payment after identity verification. Based on the embodiments of this specification, convenient, smooth, and secure payment during the user's use of the smart device is realized.

[0088] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method. Figure 5 For the Figure 2 corresponding payment device provided in the embodiments of this specification. As Figure 5 shown, the device may include:

[0089] A payment request acquisition module 502, configured to acquire a first order payment request sent by the smart device; the first order payment request carries target order information, and the target order information includes a smart device identifier and a user account identifier;

[0090] An authorization certificate query module 504, configured to query whether there is a passwordless payment authorization certificate corresponding to the smart device identifier and the user account identifier; the passwordless payment authorization certificate is used to indicate that the owner of the account corresponding to the user account authorizes the user account to make passwordless payment for the order on the smart device;

[0091] A payment module 506, configured to, if there is the passwordless payment authorization certificate, use the user account to complete the payment for the order.

[0092] It can be understood that the above-mentioned modules refer to computer programs or program segments for performing one or more specific functions. In addition, the distinction of the above-mentioned modules does not mean that the actual program codes must also be separated.

[0093] Based on the same idea, the embodiments of this specification also provide a device corresponding to the above method.

[0094] Figure 6 For theFigure 2 Schematic structural diagram of a payment device. As Figure 6 shown, the device 600 may include:

[0095] At least one processor 610; and,

[0096] A memory 630 communicatively connected to the at least one processor; wherein,

[0097] The memory 630 stores instructions 620 executable by the at least one processor 610, and when the instructions are executed by the at least one processor 610, the at least one processor 610 is enabled to:

[0098] Obtain a first order payment request sent by a smart device; the first order payment request carries target order information, and the target order information includes a smart device identifier and a user account identifier;

[0099] Query whether there is a passwordless payment authorization certificate corresponding to the smart device identifier and the user account identifier; the passwordless payment authorization certificate is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make passwordless payments for orders on the smart device;

[0100] If the passwordless payment authorization certificate exists, use the user account to complete the payment for the order.

[0101] Based on the same idea, an embodiment of this specification also provides a computer-readable medium corresponding to the above method. A computer-readable instruction is stored on the computer-readable medium, and the computer-readable instruction can be executed by a processor to implement the following method:

[0102] Obtain a first order payment request sent by a smart device; the first order payment request carries target order information, and the target order information includes a smart device identifier and a user account identifier;

[0103] Query whether there is a passwordless payment authorization certificate corresponding to the smart device identifier and the user account identifier; the passwordless payment authorization certificate is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make passwordless payments for orders on the smart device;

[0104] If the passwordless payment authorization certificate exists, use the user account to complete the payment for the order.

[0105] The above description has been made of specific embodiments of this specification. In some cases, the actions or steps recited in the claims may be performed in a different order from that in the embodiments and still achieve the desired results. Additionally, the processes depicted in the drawings do not necessarily require the particular order or sequential order shown to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0106] The various embodiments in this specification are all described in a progressive manner. For the same or similar parts among the various embodiments, reference may be made to each other.

[0107] The apparatuses, devices and methods provided in the embodiments of this specification are corresponding. Therefore, the apparatuses and devices also have beneficial technical effects similar to those of the corresponding methods. Since the beneficial technical effects of the methods have been described in detail above, the beneficial technical effects of the corresponding apparatuses and devices will not be elaborated here.

[0108] In the 1990s, it was obvious to distinguish whether an improvement in a technology was a hardware improvement (e.g., improvement in circuit structures such as diodes, transistors, switches, etc.) or a software improvement (improvement in method processes). However, with the development of technology, many improvements in method processes today can be regarded as direct improvements in hardware circuit structures. Almost all designers obtain the corresponding hardware circuit structures by programming the improved method processes into the hardware circuits. Therefore, it cannot be said that an improvement in a method process cannot be implemented with a hardware entity module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can program by themselves to "integrate" a digital character system on a piece of PLD without having to ask a chip manufacturer to design and produce a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly implemented using "logic compiler" software, which is similar to the software compiler used in program development and writing. The original code before compilation also has to be written in a specific programming language, which is called a Hardware Description Language (HDL), and there is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones currently are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be clear that as long as the method process is slightly logically programmed with the above-mentioned several hardware description languages and programmed into the integrated circuit, it is easy to obtain the hardware circuit that implements the logical method process.

[0109] The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of the controller include, but are not limited to, the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in the form of pure computer-readable program code, it is entirely possible to logically program the method steps to enable the controller to be implemented in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. to achieve the same function. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be regarded as the structures within the hardware component. Or even, the devices for implementing various functions can be regarded as either software modules for implementing the method or structures within the hardware component.

[0110] The systems, devices, modules, or units illustrated in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can 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 any combination of these devices.

[0111] For the convenience of description, when describing the above devices, they are described separately as 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.

[0112] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program code.

[0113] The present invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It should be understood that each flow and / or block of the flowchart illustrations and / or block diagrams, and combinations of flows and / or blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions executed by the processor of the computer or other programmable data processing apparatus create means for implementing the functions specified in the flowchart flow or flows and / or block or blocks. Figure 1 in a single flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in a single block or multiple blocks.

[0114] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means that implement the functions specified in the flowchart flow or flows and / or block or blocks. Figure 1 in a single flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in a single block or multiple blocks.

[0115] These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process, such that the instructions executed on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and / or block or blocks. Figure 1 in a single flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in a single block or multiple blocks.

[0116] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0117] Memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory such as read-only memory (ROM) or flash memory. Memory is an example of computer-readable media.

[0118] A computer-readable medium includes permanent and non-permanent, removable and non-removable media that can implement information storage by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassette tapes, magnetic tape disk storage or other magnetic storage devices, or any other non-transitory media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media do not include transitory computer-readable media, such as modulated data signals and carrier waves.

[0119] It should also be noted that the term "comprising", "including" or any other variant thereof is intended to cover non-exclusive inclusion, such that a process, method, article or apparatus comprising a series of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article or apparatus. Without further limitation, an element defined by the statement "comprising an..." does not exclude the presence of additional identical elements in the process, method, article or apparatus comprising the element.

[0120] This application can 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. This application can also be practiced in a distributed computing environment where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0121] The above description is only for the embodiments of this application and is not intended to limit this application. For those skilled in the art, this application can have various changes and modifications. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this application shall be included within the scope of the claims of this application.

Claims

1. A payment method, applied to the server of a payment system, includes: Obtain a first order payment request sent by an intelligent device; The first order payment request carries target order information, and the target order information includes an intelligent device identifier and a user account identifier; Query whether there is a passwordless payment authorization voucher corresponding to the intelligent device identifier and the user account identifier; the passwordless payment authorization voucher is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make passwordless payments for orders on the intelligent device; If the passwordless payment authorization voucher exists, use the user account to complete the payment for the order.

2. The method according to claim 1, after querying whether there is a passwordless payment authorization voucher corresponding to the smart device identifier and the user account identifier, further includes: If the passwordless payment authorization voucher does not exist, generate payment QR code information based on the target order information; Send the payment QR code information to the intelligent device; the payment QR code information is used to initiate a second order payment request after being scanned by the client corresponding to the payment system that generates the payment QR code information.

3. The method according to claim 2, after sending the payment QR code information to the smart device, further includes: Obtain the second order payment request sent by the client based on the payment QR code; The second order payment request carries target order information, and the target order information includes the intelligent device identifier and the user account identifier; In response to the second order payment request, send a payment authentication information acquisition request to the client; Obtain the payment authentication information provided by the user for the payment authentication information acquisition request returned by the client; Based on the payment authentication information returned by the client, determine whether the user is the owner of the account corresponding to the user account identifier, and obtain a first judgment result; If the first judgment result is yes, use the user account to complete the payment for the order.

4. The method according to claim 3, after using the user account to complete the payment for the order, further includes: Send passwordless payment authorization guidance information to the client; The passwordless payment authorization guidance information is used to guide the user to authorize passwordless payment on the intelligent device.

5. The method according to claim 4, after sending passwordless payment authorization guidance information to the client, further includes: Obtain the passwordless payment authorization information of the user sent by the client; The passwordless payment authorization information is used to indicate that the user agrees to make passwordless payments on the intelligent device; Based on the passwordless payment authorization information, generate a passwordless payment authorization voucher corresponding to the intelligent device identifier and the user account identifier.

6. The method according to claim 5, the passwordless payment authorization information carries passwordless payment limit information; Generating a passwordless payment authorization voucher corresponding to the smart device identifier and the user account identifier based on the passwordless payment authorization information specifically includes: Based on the passwordless payment authorization information, generate a passwordless payment authorization voucher corresponding to the intelligent device identifier, the user account identifier, and the passwordless payment limit.

7. The method according to claim 1, the target order information further includes the order amount; using the user account to complete the payment for the order specifically includes: If there is a passwordless payment authorization voucher corresponding to the intelligent device identifier and the user account identifier, obtain the passwordless payment limit corresponding to the passwordless payment authorization voucher; Judge whether the order amount is less than or equal to the passwordless payment limit, and obtain a second judgment result; If the second judgment result is yes, use the user account to complete the payment for the order.

8. The method according to claim 1, using the user account to complete the payment for the order specifically includes: If the passwordless payment authorization voucher exists, determine the order risk level of the target order based on the target order information; Judge whether the order risk level is less than a preset risk level threshold, and obtain a third judgment result; If the third judgment result is yes, use the user account to complete the payment for the order.

9. The method according to claim 8, wherein determining the order risk level of the target order based on the target order information specifically includes: Obtain order-related information corresponding to the target order, where the order-related information includes one or more of smart device information, order type information, order amount information, order time information, or order location information; Input the order-related information into a pre-trained risk control model to identify the order risk level of the target order.

10. The method according to claim 1, further comprising, before obtaining the first order payment request sent by the intelligent device: Obtain a user account login request sent by a smart device; The user account login request carries login key information provided by the user; According to the login key information, determine whether the login key information is consistent with the preset login key information of the user account to obtain a fourth judgment result; If the fourth judgment result is yes, issue a login credential to the smart device, and the login credential is used to log in to the user account on the smart device.

11. The method according to claim 1, further comprising, before querying whether there is a password-free payment authorization certificate corresponding to the intelligent device identifier and the user account identifier: Determine the smart device manufacturer to which the smart device belongs according to the smart device identifier; Judge whether the payment service provider has signed a target cooperation agreement with the smart device manufacturer to obtain a fifth judgment result; The query of whether there is a passwordless payment authorization credential corresponding to the smart device identifier and the user account identifier specifically includes: If the fifth judgment result is yes, query whether there is a passwordless payment authorization credential corresponding to the smart device identifier and the user account identifier.

12. The method according to any one of claims 1 to 11, wherein the intelligent device includes at least one of a smart home device, a smart transportation device, or a smart wearable device.

13. A payment device integrated in a server of a payment system, comprising: A payment request acquisition module, configured to obtain a first order payment request sent by a smart device; The first order payment request carries target order information, and the target order information includes a smart device identifier and a user account identifier; An authorization credential query module, configured to query whether there is a passwordless payment authorization credential corresponding to the smart device identifier and the user account identifier; the passwordless payment authorization credential is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make passwordless payments for orders on the smart device; A payment module, configured to, if there is the passwordless payment authorization credential, use the user account to complete the payment for the order.

14. A payment device integrated in a server of a payment system, comprising: At least one processor; And, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, and when the instructions are executed by the at least one processor, the at least one processor is enabled to: Obtain a first order payment request sent by a smart device; the first order payment request carries target order information, and the target order information includes a smart device identifier and a user account identifier; Query whether there is a passwordless payment authorization credential corresponding to the smart device identifier and the user account identifier; the passwordless payment authorization credential is used to indicate that the owner of the account corresponding to the user account identifier authorizes the user account to make passwordless payments for orders on the smart device; If there is the passwordless payment authorization credential, use the user account to complete the payment for the order.

15. A computer-readable medium having computer-readable instructions stored thereon, the computer-readable instructions being executable by a processor to implement the payment method according to any one of claims 1 to 11.

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