Payment method, device, system, electronic device and computer-readable storage medium

Abstract

The embodiment of the present application is applicable to the field of terminal technology, and discloses a payment method, device, system, electronic device and computer-readable storage medium, the method comprising: a wearable terminal device scans at least one broadcast message; determines whether at least one broadcast message contains a target broadcast packet from a card reader device; when at least one broadcast message contains a target broadcast packet, establishes a Bluetooth connection with the card reader device according to the information carried by the target broadcast packet, and the card reader device is a Bluetooth network access point device of the wearable terminal device; reads the pre-stored payment information, and sends the payment information to the server via the Bluetooth connection; receives the first payment result returned by the server, and the first payment result is the result obtained after the server performs the payment operation according to the payment information. It can be seen that the wearable terminal device of the embodiment of the present application can realize contactless long-distance payment, and can also realize mobile payment without the help of third-party devices such as mobile phones.

Description

Technical Field

[0001] The present application belongs to the field of terminal technology, and in particular, relates to a payment method, device, system, electronic device and computer-readable storage medium. Background Art

[0002] With the continuous advancement of science and technology and the continuous development of society, mobile payment is becoming more and more common.

[0003] At present, mobile payment mainly includes two payment methods: code scanning payment and Near Field Communication (NFC) payment. Among them, code scanning payment refers to the process of completing payment by scanning a QR code with a camera on a mobile terminal. NFC payment refers to the process of completing payment by exchanging data between a terminal device and a card reader device through NFC technology. Due to the limitation of NFC distance, NFC payment usually requires contact between the terminal device and the card reader device. In addition, NFC payment of wearable terminal devices such as bracelets and watches must be completed with the help of third-party devices such as mobile phones or other host computers.

[0004] In other words, the mobile payment function of existing wearable terminal devices must rely on the host computer and can only realize short-distance contact payment. Summary of the invention

[0005] The embodiments of the present application provide a payment method, device, system, electronic device and computer-readable storage medium, which can solve the problem that the mobile payment function of existing wearable devices must rely on a host computer and can only realize short-distance contact payment.

[0006] In a first aspect, an embodiment of the present application provides a payment method, which is applied to a wearable terminal device, and the method includes:

[0007] Scanning at least one broadcast message;

[0008] Determine whether at least one broadcast message contains a target broadcast packet from a card reader device;

[0009] When at least one broadcast message contains a target broadcast packet, a Bluetooth connection is established with the card reader device according to the information carried in the target broadcast packet. The card reader device is a Bluetooth network access point device of the wearable terminal device.

[0010] Read the pre-stored payment information and send the payment information to the server via Bluetooth connection;

[0011] Receive a first payment result returned by the server, where the first payment result is a result obtained after the server performs a payment operation according to the payment information.

[0012] As can be seen from the above, the wearable terminal device of the embodiment of the present application can realize mobile payment as long as it is within the distance range where the target broadcast packet can be scanned, and there is no need for the wearable terminal device and the card reader device to come into contact, thus realizing contactless long-distance payment; in addition, the card reader device acts as a Bluetooth network access point, allowing the wearable terminal device to access the Internet via Bluetooth connection, so that the wearable terminal device can complete mobile payment without relying on third-party devices such as mobile phones.

[0013] In some possible implementations of the first aspect, after establishing a Bluetooth connection with the card reader device and before reading pre-stored payment information, the method further includes:

[0014] receiving a payment request from a card reader device via a Bluetooth connection;

[0015] In response to a payment request from the card reader device, a first prompt operation is performed, where the first prompt operation is used to inquire the user whether to perform a payment operation;

[0016] When a payment confirmation instruction from the user for the first prompt operation is received, the process proceeds to the step of reading the pre-stored payment information.

[0017] In some possible implementations of the first aspect, reading pre-stored payment information includes:

[0018] Sending an application protocol data unit APDU to the security chip;

[0019] The payment information returned by the security chip according to the APDU is received, and the wearable terminal device includes a security chip.

[0020] In some possible implementations of the first aspect, after establishing a Bluetooth connection with the card swiping device, the method further includes:

[0021] Send target information to the server via Bluetooth connection, the target information includes the information of the card reader device and the information of the wearable terminal device, and the target broadcast packet includes the information of the card reader device;

[0022] Receive payment request from server;

[0023] In response to the payment request of the server, executing a second prompt operation, the second prompt operation is used to ask the user whether to execute the payment operation;

[0024] When receiving a payment confirmation instruction from the user for the second prompt operation, sending a payment confirmation instruction to the server;

[0025] A second payment result returned from the server is received, where the second payment result is a result obtained after the server responds to the payment confirmation instruction and performs a payment operation according to the target information.

[0026] In some possible implementations of the first aspect, determining whether at least one broadcast message contains a target broadcast packet from a card swiping device includes:

[0027] Determine whether the device information in each broadcast message is consistent with the pre-stored card reader device information;

[0028] When the device information in the broadcast information is consistent with the pre-stored card reader device information, and the state information in the broadcast information is a connectable state, it is determined that the broadcast information contains a target broadcast packet.

[0029] In some possible implementations of the first aspect, the Bluetooth connection is a Bluetooth Network Packet Protocol (BNEP) connection.

[0030] In a second aspect, an embodiment of the present application provides a payment device, which is applied to a wearable terminal device, including:

[0031] A scanning module, used for scanning at least one broadcast information;

[0032] A determination module, used for determining whether at least one broadcast message contains a target broadcast packet from a card reader device;

[0033] A Bluetooth connection establishment module is used to establish a Bluetooth connection with a card reader device according to information carried in the target broadcast packet when at least one broadcast message contains a target broadcast packet. The card reader device is a Bluetooth network access point device of a wearable terminal device;

[0034] A payment information sending module, used to read pre-stored payment information and send the payment information to the server via a Bluetooth connection;

[0035] The payment result receiving module is used to receive the first payment result returned by the server, where the first payment result is the result obtained after the server performs a payment operation according to the payment information.

[0036] In a third aspect, an embodiment of the present application provides a payment system, including a wearable terminal device, a card reader device, and a server;

[0037] The card reader device is used to broadcast the target broadcast package externally and establish a Bluetooth connection with the wearable terminal device;

[0038] The wearable terminal device is used to scan at least one broadcast information; determine whether there is a target broadcast packet in at least one broadcast information; when at least one broadcast information contains a target broadcast packet, establish a Bluetooth connection with a card reader device according to information carried in the target broadcast packet, and the card reader device is a Bluetooth network access point device of the wearable terminal device; read pre-stored payment information, and send the payment information to a server through a Bluetooth connection; receive a first payment result returned by the server;

[0039] The server is used to perform a payment operation according to the payment information, obtain a first payment result, and send the first payment result to the wearable terminal device.

[0040] In a fourth aspect, an embodiment of the present application provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements any method of the first aspect when executing the computer program.

[0041] In a fifth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method of any one of the above-mentioned first aspects is implemented.

[0042] In a sixth aspect, an embodiment of the present application provides a computer program product. When the computer program product is run on an electronic device, the electronic device executes any one of the methods described in the first aspect above.

[0043] It can be understood that the beneficial effects of the second to sixth aspects mentioned above can be found in the relevant description of the first aspect mentioned above, and will not be repeated here. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0045] Figure 1 A schematic block diagram of a payment system provided in an embodiment of the present application;

[0046] Figure 2 A schematic flow chart of a payment method provided in an embodiment of the present application;

[0047] Figure 3 Another schematic block diagram of the payment method provided in the embodiment of the present application;

[0048] Figure 4 A schematic block diagram of a payment system based on a Bluetooth headset provided in an embodiment of the present application;

[0049] Figure 5 A schematic block diagram of the interaction process provided in the embodiment of the present application;

[0050] Figure 6 A structural block diagram of a payment device provided in an embodiment of the present application;

[0051] Figure 7 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0052] In the following description, specific details such as specific system structures, technologies, etc. are provided for the purpose of illustration rather than limitation, so as to provide a thorough understanding of the embodiments of the present application. However, it should be clear to those skilled in the art that the present application may also be implemented in other embodiments without these specific details. In other cases, detailed descriptions of well-known systems, devices, circuits, and methods are omitted to prevent unnecessary details from obstructing the description of the present application.

[0053] It should be understood that when used in the present specification and the appended claims, the term "comprising" indicates the presence of described features, wholes, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, wholes, steps, operations, elements, components and / or combinations thereof.

[0054] It should also be understood that the term “and / or” used in the specification and appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0055] As used in the specification and appended claims of this application, the term "if" can be interpreted as "when" or "uponce" or "in response to determining" or "in response to detecting", depending on the context. Similarly, the phrase "if it is determined" or "if [described condition or event] is detected" can be interpreted as meaning "uponce it is determined" or "in response to determining" or "uponce [described condition or event] is detected" or "in response to detecting [described condition or event]", depending on the context.

[0056] In addition, in the description of the present application specification and the appended claims, the terms "first", "second", "third", etc. are only used to distinguish the descriptions and cannot be understood as indicating or implying relative importance.

[0057] References to "one embodiment" or "some embodiments" etc. described in the specification of this application mean that one or more embodiments of the present application include specific features, structures or characteristics described in conjunction with the embodiment. Therefore, the statements "in one embodiment", "in some embodiments", "in some other embodiments", "in some other embodiments", etc. that appear in different places in this specification do not necessarily refer to the same embodiment, but mean "one or more but not all embodiments", unless otherwise specifically emphasized in other ways. The terms "including", "comprising", "having" and their variations all mean "including but not limited to", unless otherwise specifically emphasized in other ways.

[0058] The following first introduces the system architecture and application scenarios that may be involved in the embodiments of the present application.

[0059] See also Figure 1 , is a schematic block diagram of a payment system provided in an embodiment of the present application. Figure 1 As shown, the payment system may include a wearable terminal device 11 , at least one card swiping device 12 and a server 13 .

[0060] Among them, the wearable terminal device 11 and the card reader device 12 exchange data through a communication connection, and the card reader device 12 serves as a network access point (NAP) of the wearable terminal device 11. That is, the wearable terminal device 11 can access the Internet through the card reader device 12, thereby realizing data interaction with the server 13. Exemplarily, the communication connection between the wearable terminal device 11 and the card reader device 12 is a Bluetooth Network Encapsulation Protocol (BNEP) connection. At this time, the card reader device 12 not only serves as a Bluetooth card reader, but also as a Bluetooth NAP device, that is, the wearable terminal device 11 can exchange data with the server 13 through the BNEP connection.

[0061] The server 13 and each card reader device 12 can exchange data via a communication connection such as a wired connection or a Wi-Fi connection.

[0062] The wearable terminal device 11 may be a smart headset, a smart bracelet, a smart watch, or smart glasses, etc., and the device type of the wearable terminal device 11 is not limited here. For example, the wearable terminal device 11 is specifically a head-mounted Bluetooth headset.

[0063] In some embodiments, the card reader device 12 is used to periodically broadcast a target broadcast packet, which carries relevant information of the card reader device 12 itself and connectable status information. The above connectable status information is used to indicate that the card reader device 12 is currently in an idle state and can establish a connection with the wearable terminal device 11. In addition, the card reader device 12 is also used to receive a request from the wearable terminal device 11, and in response to the request, establish a Bluetooth connection with the wearable terminal device 11.

[0064] After the card reader device 12 establishes a Bluetooth connection with the wearable terminal device 11 , the card reader device 12 can serve as a Bluetooth NAP device of the wearable terminal device 11 , and the wearable terminal device 11 can perform data interaction with the server 13 .

[0065] The wearable terminal device 11 is used to scan at least one broadcast message; determine whether at least one broadcast message contains a target broadcast packet from a card reader device; when at least one broadcast message contains a target broadcast packet, establish a Bluetooth connection with the card reader device 12 according to the information carried in the target broadcast packet; read pre-stored payment information, and send the payment information to the server 13 via the Bluetooth connection; receive the first payment result returned by the server 13.

[0066] The server 13 is used to perform a payment operation according to the payment information uploaded by the wearable terminal device 11 , obtain a first payment result, and send the first payment result to the wearable terminal device 11 .

[0067] Exemplarily, in the subway card swiping scenario, the wearable terminal device 11 is a Bluetooth headset, and the card reader device is specifically the card reader at the entrance of the subway station. The card reader device periodically broadcasts Bluetooth low Energy (BLE) broadcast packets. As the user wears the Bluetooth headset and gradually approaches the card reader, the Bluetooth headset will perform BLE scanning in the background to scan the BLE broadcast information broadcast by surrounding devices. After the Bluetooth headset obtains multiple broadcast information through BLE scanning, it determines whether the multiple broadcast information contains the BLE broadcast packet broadcast by the card reader device; if the BLE broadcast packet broadcast by the card reader device is identified, a BNEP connection is established with the card reader based on the BLE broadcast packet.

[0068] After the Bluetooth headset and the card reader establish a BNEP connection, they read the pre-stored payment information and send it to the server through the BNEP connection. After receiving the payment information, the server performs the corresponding payment operation and returns the payment result to the Bluetooth headset and the card reader through the BNEP connection. The card reader opens the gate according to the payment result to allow the user to pass.

[0069] For users, when they wear Bluetooth headphones and gradually approach the card reader at the subway entrance, they can sense that when they are at a certain distance from the card reader, the card reader will automatically open the gate without the need for payment.

[0070] It should be understood that the payment system architecture and application scenarios mentioned above are merely examples and do not constitute a limitation on the payment system and application scenarios of the embodiments of the present application.

[0071] After exemplarily introducing the system architecture and application scenarios provided by the embodiments of the present application, the following describes the relevant processes on the wearable terminal device side.

[0072] See also Figure 2 , is a schematic flow chart of a payment method provided in an embodiment of the present application, and the method may include the following steps:

[0073] Step S201: The wearable terminal device scans at least one broadcast information.

[0074] In a specific application, there may be multiple devices around the wearable terminal device, and these multiple devices may be broadcasting outward, so the wearable terminal device may scan one or more broadcast information.

[0075] Exemplarily, the above broadcast information is BLE broadcast information. At this time, the wearable terminal device can perform periodic BLE scanning in the background, and obtain BLE broadcast information broadcast by surrounding devices through BLE scanning.

[0076] Step S202: The wearable terminal device determines whether at least one broadcast message includes a target broadcast packet from the card reader device.

[0077] It is understandable that if the card reader device is in a connectable state, it broadcasts a target broadcast packet to the outside to inform the wearable terminal device that it is currently in an idle state and a communication connection can be established with it.

[0078] The target broadcast packet may include but is not limited to the card reader device information and status information. The card reader device information may include MAC address and device unique identifier, etc. The status information is used to describe whether the card reader device is in an idle state or a connectable state.

[0079] In some embodiments, the wearable terminal device can compare the device information carried in each broadcast message with the pre-stored card reader device information to determine whether the two are consistent. If the device information in a broadcast message is consistent with the pre-stored card reader device information, the broadcast message is determined to be a broadcast of the card reader device; then, it is further determined whether the status information in the broadcast message is a connectable state. If so, it indicates that the card reader device corresponding to the broadcast message is in an idle state and can establish a communication connection with the wearable terminal device, thereby confirming that the broadcast message contains the above-mentioned target broadcast packet.

[0080] It should be noted that the card reader device information pre-stored in the wearable terminal device is obtained in advance through a binding operation. For example, when the wearable terminal device and the card reader device establish a communication connection for the first time, the wearable terminal device and the card reader device store each other's relevant information, for example, the wearable terminal device records the MAC address, unique identifier and IP address of the card reader device. A wearable terminal device can be bound to multiple card reader devices, that is, the wearable terminal device may store relevant information of multiple card reader devices.

[0081] In other embodiments, an identifier is pre-agreed between the wearable terminal device and the card reader device, and when the card reader device broadcasts the above-mentioned target broadcast packet, the pre-agreed identifier is carried in the target broadcast packet. After receiving the broadcast packet, the wearable terminal device determines whether the broadcast packet carries the pre-agreed identifier to determine whether the broadcast packet comes from the card reader device. At this time, the target broadcast packet includes not only the pre-agreed identifier, but also the status information of whether it can be connected and the related information of the card reader device.

[0082] The embodiment of the present application does not limit how the wearable terminal device identifies the target broadcast packet from the card reader device from multiple broadcast information.

[0083] Step S203: When at least one broadcast message includes a target broadcast packet, the wearable terminal device establishes a Bluetooth connection with the card reader device according to the information carried in the target broadcast packet. The card reader device is a Bluetooth network access point device of the wearable terminal device.

[0084] It should be noted that the information carried by the target broadcast packet may include but is not limited to the MAC address, unique identifier, and IP address. Based on this information, the wearable terminal device sends a request to establish a connection to the card reader device corresponding to the target broadcast packet. After receiving the request to establish a connection from the wearable terminal device, the card reader device responds to the request and establishes a Bluetooth connection with the wearable terminal device.

[0085] After the wearable terminal device and the card reader device establish a Bluetooth connection, the card reader device not only acts as a Bluetooth card reader, but also acts as a Bluetooth NAP device for the wearable terminal device.

[0086] It is understandable that the wearable terminal device can send a request to establish a connection to the card reader device through BLE broadcast. After the card reader device obtains the request of the wearable terminal device through BLE scanning, it establishes a BNEP Bluetooth connection of classic Bluetooth with the wearable terminal device.

[0087] After the wearable terminal device and the card reader device establish a BNEP Bluetooth connection, the wearable terminal device can access the Internet through the network access point, and then realize data interaction with the server. In this way, the wearable terminal device does not need to rely on third-party devices such as mobile phones or other host computers, but directly communicates and interacts with the server, so that the wearable terminal device can realize mobile payment without relying on third-party devices.

[0088] It can be understood that when the wearable terminal device determines that at least one broadcast information does not contain a target broadcast packet from the card swiping device, it continues to judge the scanned broadcast information until the target broadcast packet from the card swiping device is identified from the scanned multiple broadcast information.

[0089] Step S204: The wearable terminal device reads the pre-stored payment information and sends the payment information to the server via the Bluetooth connection.

[0090] It should be noted that the above payment information may include, but is not limited to, payment account number, payment password, and whether there is any discount.

[0091] In some embodiments, the payment information is stored in a security chip inside the wearable terminal device. After the wearable terminal device and the card reader device establish a Bluetooth connection, the card reader device can send a payment request to the wearable terminal device. After receiving the payment request, the wearable terminal device can respond to the payment request and send an application protocol data unit (APDU) to the internal security chip, and receive the payment information returned by the security chip according to the APDU; then, the wearable terminal device directly sends the payment information to the server through the established Bluetooth connection.

[0092] Furthermore, in order to improve the payment accuracy, after receiving the payment request from the card reader device, the wearable terminal device responds to the payment request and performs a first prompt operation to ask the user whether to perform the payment operation. When the user wants to pay, the payment confirmation instruction is input to the wearable terminal device; when the user does not want to pay, the payment rejection instruction is input to the wearable terminal device. When the wearable terminal device receives the payment confirmation instruction from the user for the first prompt operation, it reads the pre-stored payment information; when the wearable terminal device receives the payment rejection instruction from the user for the first prompt operation, it ends the payment process.

[0093] In a specific application, the first prompt operation may include but is not limited to vibration and voice. For example, the wearable terminal device is a Bluetooth smart headset, and after receiving a payment request from the card reader device, the Bluetooth smart headset sends a voice message "Do you want to pay?" to prompt the user whether to make a payment operation.

[0094] After the wearable terminal device performs the first prompt operation, the user can input a confirmation or rejection instruction to the wearable terminal device in a certain manner. For example, the user can input a confirmation payment instruction or a rejection payment instruction to the wearable terminal device by touching, pressing a button, speaking, or tapping.

[0095] Step S205: The wearable terminal device receives a first payment result returned by the server, where the first payment result is a result obtained after the server performs a payment operation according to the payment information.

[0096] It is understandable that after the wearable terminal device directly sends the payment information to the server through the established Bluetooth connection, the server can perform the payment operation according to the received payment information, obtain the corresponding payment result, and finally return the payment result to the wearable terminal device. Of course, the server can also return the payment result to the card reader device at the same time.

[0097] After receiving the first payment result, the wearable terminal device can update the payment information in the security chip in the APDU manner.

[0098] It can be seen that after the wearable terminal device detects the target broadcast packet of the card reader device, it establishes a Bluetooth connection with the card reader device according to the target broadcast packet to access the Internet, and then exchanges data with the server in the Internet through the established connection to complete the mobile payment. In this way, the wearable terminal device can complete the mobile payment as long as it is within the distance range where the target broadcast packet can be scanned, and there is no need for the wearable terminal device and the card reader device to contact each other, thus realizing contactless long-distance payment; in addition, the card reader device acts as a Bluetooth network access point, allowing the wearable terminal device to access the Internet through Bluetooth connection, so that the wearable terminal device can complete the mobile payment without relying on third-party devices such as mobile phones.

[0099] See also Figure 3 , is another schematic flow chart of a payment method provided in an embodiment of the present application, the method may include the following steps:

[0100] Step S301: The wearable terminal device scans at least one broadcast information.

[0101] Step S302: The wearable terminal device determines whether at least one broadcast message includes a target broadcast packet from the card reader device.

[0102] Step S303: When at least one broadcast message includes a target broadcast packet, the wearable terminal device establishes a Bluetooth connection with the card reader device according to the information carried in the target broadcast packet. The card reader device is a Bluetooth network access point device of the wearable terminal device.

[0103] Step S304: The wearable terminal device sends target information to the server via Bluetooth connection. The target information includes information of the card reader device and information of the wearable terminal device. The target broadcast packet includes information of the card reader device.

[0104] It should be noted that after the wearable terminal device establishes a Bluetooth connection with the card reader device, the wearable terminal device can send its own relevant information and relevant information of the card reader device to the server to inform the server that it wants to make a payment.

[0105] If the server receives the target information from the wearable terminal device, it can be considered that the wearable terminal device has a payment demand, and then initiates a payment request to the wearable terminal device.

[0106] The information of the card reader device may include but is not limited to a MAC address and a unique identifier, etc. The information of the wearable terminal device may include but is not limited to a MAC address and a unique identifier, etc.

[0107] Step S305: The wearable terminal device receives a payment request from the server, and in response to the payment request from the server, performs a second prompt operation, where the second prompt operation is used to inquire the user whether to perform the payment operation.

[0108] Step S306: When receiving the payment confirmation instruction from the user for the second prompt operation, the wearable terminal device sends a payment confirmation instruction to the server.

[0109] It should be noted that the second prompt operation is similar to the first prompt operation. For related introductions, please refer to the introduction to the first prompt operation above, which will not be repeated here.

[0110] Step S307: The wearable terminal device receives a second payment result returned from the server, where the second payment result is a result obtained after the server responds to the payment confirmation instruction and performs a payment operation according to the target information.

[0111] It should be noted that when the server receives the payment confirmation instruction from the wearable terminal device, it searches for the payment information of the wearable terminal device based on the unique identification of the wearable terminal device and other information, and completes the payment operation based on the payment information.

[0112] The server stores the correspondence between the unique identification of the wearable terminal device and the payment information. The correspondence can be obtained in advance through a binding operation, that is, when the wearable terminal device and the card reader device are bound, the wearable terminal device or the card reader device can upload the payment information and identification information of the wearable terminal device to the server, and the server establishes a correspondence between these information.

[0113] In this embodiment, after the wearable terminal device establishes a Bluetooth connection with the card reader device, the wearable terminal device does not read the payment information from the internal security chip, but uploads its own relevant information and the relevant information of the card reader to the server to inform the server that payment is currently required. When the server receives the target information uploaded by the wearable terminal device, it believes that the wearable terminal device needs to make a payment, and initiates a payment request. After the user confirms the payment, the server completes the payment and returns the payment result.

[0114] In comparison, this embodiment does not require the wearable terminal device to read payment information from the internal chip, which can improve payment efficiency to a certain extent.

[0115] Figure 3 and Figure 2 The payment process can be two parallel payment solutions, both of which can realize contactless long-distance payment and do not need to rely on third-party devices such as mobile phones.

[0116] In other embodiments, when the server does not store the payment information of the wearable terminal device, the server can request the wearable terminal device to upload the payment information after receiving the target information. At this time, the wearable terminal device reads the payment information from the internal chip and uploads it to the server, that is, enters Figure 2 Related processes in .

[0117] In order to better introduce the payment solution provided in the embodiment of the present application, Figure 4 and Figure 5 Provide an exemplary introduction.

[0118] See also Figure 4 The schematic block diagram of a payment system based on a Bluetooth headset is shown, and the payment system may include a headset 41 of Bluetooth, a Bluetooth card swiping device 42 and a server 43.

[0119] The Bluetooth headset 41 includes a security chip 44 supporting trustzone, and the Bluetooth headset 41 and the security chip 44 can communicate via I2C, serial port, I2S, SP2, etc. The Bluetooth headset 41 can write APDU to the security chip 44 via I2C or I2S.

[0120] The headset Bluetooth headset 41 can be connected to the Bluetooth card reader device 42 via a BNEP Bluetooth connection, and the Bluetooth card reader device 42 can be connected to the server 43 via a wired connection or Wi-Fi.

[0121] See also Figure 5 The schematic diagram of the interaction process shown is based on Figure 4 The payment process may include the following steps:

[0122] Step S501: The Bluetooth card reader device 42 periodically broadcasts a target broadcast packet.

[0123] The Bluetooth card reader device 42 is in a Bluetooth connectable state and broadcasts data packets outwardly via BLE.

[0124] Step S502: The Bluetooth headset 41 periodically performs BLE scanning in the background.

[0125] Step S503 : The Bluetooth headset 41 scans the target broadcast packet sent by the Bluetooth card reader device 42 .

[0126] Step S504: The Bluetooth headset 41 establishes a BNEP connection with the Bluetooth card reader device 42 through BLE broadcast according to the target broadcast packet.

[0127] Step S505: The Bluetooth headset 41 reminds the user whether to make payment.

[0128] It should be noted that, after receiving the payment request from the Bluetooth card reader device 42, the headset 41 may perform a prompting operation in response to the payment request to prompt the user whether to make a payment.

[0129] Step S506: The user inputs an instruction to confirm payment or reject payment to the Bluetooth headset 41 by touching or tapping.

[0130] Step S507: When receiving the user's payment confirmation instruction, the Bluetooth headset 41 sends an APDU to the security chip 44 to obtain payment information.

[0131] Step S508 : The security chip 44 returns the payment information to the Bluetooth headset 41 .

[0132] Step S509: The Bluetooth headset 41 sends payment information to the server 43.

[0133] Step S510: The server 43 returns the payment result to the Bluetooth headset 41.

[0134] Step S511: The server 43 returns the payment result to the Bluetooth card reader device 42.

[0135] It is understandable that after receiving the payment result, the Bluetooth card reader device 42 can open the gate to allow the user to pass.

[0136] Step S512: The Bluetooth headset 41 prompts the user whether the payment is successful.

[0137] It should be understood that the size of the serial numbers of the steps in the above embodiments does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present application.

[0138] Corresponding to the payment method described in the above embodiment, Figure 6 The structural block diagram of the payment device provided in the embodiment of the present application is shown, which is applied to a wearable terminal device. For the convenience of explanation, only the part related to the embodiment of the present application is shown.

[0139] Reference Figure 6 , the device comprises:

[0140] A scanning module 61, configured to scan at least one broadcast information;

[0141] A determination module 62, configured to determine whether at least one broadcast message contains a target broadcast packet from a card reader device;

[0142] A Bluetooth connection establishing module 63 is used to establish a Bluetooth connection with a card reader device according to information carried in the target broadcast packet when at least one broadcast message includes a target broadcast packet. The card reader device is a Bluetooth network access point device of a wearable terminal device;

[0143] The payment information sending module 64 is used to read the pre-stored payment information and send the payment information to the server via the Bluetooth connection;

[0144] The payment result receiving module 65 is used to receive the first payment result returned by the server, where the first payment result is the result obtained after the server performs a payment operation according to the payment information.

[0145] In some possible implementations, the device further includes:

[0146] The payment prompt module is used to receive a payment request from a card reader device via a Bluetooth connection; in response to the payment request from the card reader device, execute a first prompt operation, the first prompt operation is used to ask the user whether to execute the payment operation; when receiving a payment confirmation instruction from the user for the first prompt operation, enter the step of reading pre-stored payment information.

[0147] In some possible implementations, the payment information sending module is specifically used to: send an application protocol data unit APDU to the security chip; receive payment information returned by the security chip according to the APDU, and the wearable terminal device includes a security chip.

[0148] In some possible implementations, the device further includes:

[0149] The payment module is used to send target information to the server via Bluetooth connection, the target information includes information of the card reader device and information of the wearable terminal device, and the target broadcast package includes information of the card reader device; receive a payment request from the server; respond to the payment request of the server, execute a second prompt operation, the second prompt operation is used to ask the user whether to execute the payment operation; when receiving the user's payment confirmation instruction for the second prompt operation, send a confirmation payment instruction to the server; receive a second payment result returned from the server, the second payment result is the result obtained after the server responds to the confirmation payment instruction and executes the payment operation according to the target information.

[0150] In some possible implementations, the judgment module is specifically used to: judge whether the device information in each broadcast information is consistent with the pre-stored card reader device information; when the device information in the broadcast information is consistent with the pre-stored card reader device information, and the status information in the broadcast information is a connectable state, it is determined that the broadcast information contains a target broadcast packet.

[0151] In some possible implementations, the Bluetooth connection is a Bluetooth Network Packet Protocol (BNEP) connection.

[0152] It should be noted that the information interaction, execution process, etc. between the above-mentioned devices / units are based on the same concept as the method embodiment of the embodiment of the present application. Their specific functions and technical effects can be found in the method embodiment part and will not be repeated here.

[0153] Figure 7 This is a schematic diagram of the structure of an electronic device provided by an embodiment of the present application. Figure 7 As shown, the electronic device 7 of this embodiment includes: at least one processor 70 ( Figure 7 Only one is shown), a memory 71, and a computer program 72 stored in the memory 71 and executable on the at least one processor 70, wherein the processor 70 implements the steps of any of the above-mentioned target tracking method embodiments when executing the computer program 72.

[0154] The electronic device 7 may be a computing device such as a desktop computer, a notebook, a PDA, or a cloud server. The electronic device may include, but is not limited to, a processor 70 and a memory 71. Those skilled in the art will appreciate that Figure 7 It is only an example of the electronic device 7 and does not constitute a limitation on the electronic device 7. It may include more or fewer components than shown in the figure, or a combination of certain components, or different components. For example, it may also include input and output devices, network access devices, etc.

[0155] The processor 70 may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or any conventional processor, etc.

[0156] In some embodiments, the memory 71 may be an internal storage unit of the electronic device 7, such as a hard disk or memory of the electronic device 7. In other embodiments, the memory 71 may also be an external storage device of the electronic device 7, such as a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card, etc. equipped on the electronic device 7. Further, the memory 71 may also include both an internal storage unit and an external storage device of the electronic device 7. The memory 71 is used to store an operating system, an application program, a boot loader (BootLoader), data, and other programs, such as the program code of the computer program. The memory 71 may also be used to temporarily store data that has been output or is to be output.

[0157] The technicians in the relevant field can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example for illustration. In practical applications, the above-mentioned function allocation can be completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above. The functional units and modules in the embodiment can be integrated in a processing unit, or each unit can exist physically separately, or two or more units can be integrated in one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of software functional units. In addition, the specific names of the functional units and modules are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of this application. The specific working process of the units and modules in the above-mentioned system can refer to the corresponding process in the aforementioned method embodiment, which will not be repeated here.

[0158] An embodiment of the present application also provides an electronic device, which includes: at least one processor, a memory, and a computer program stored in the memory and executable on the at least one processor, wherein the processor implements the steps of any of the above-mentioned method embodiments when executing the computer program.

[0159] An embodiment of the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps in the above-mentioned method embodiments can be implemented.

[0160] An embodiment of the present application provides a computer program product. When the computer program product runs on an electronic device, the electronic device can implement the steps in the above-mentioned method embodiments when executing the computer program product.

[0161] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the present application implements all or part of the processes in the above-mentioned embodiment method, which can be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a computer-readable storage medium, and the computer program can implement the steps of the above-mentioned various method embodiments when executed by the processor. Among them, the computer program includes computer program code, and the computer program code can be in source code form, object code form, executable file or some intermediate form. The computer-readable medium can at least include: any entity or device that can carry the computer program code to the camera / terminal device, recording medium, computer memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, RandomAccess Memory), electric carrier signal, telecommunication signal and software distribution medium. For example, a USB flash drive, a mobile hard disk, a disk or an optical disk. In some jurisdictions, according to legislation and patent practice, computer-readable media cannot be electric carrier signals and telecommunication signals.

[0162] In the above embodiments, the description of each embodiment has its own emphasis. For parts that are not described or recorded in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0163] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0164] In the embodiments provided in the present application, it should be understood that the disclosed devices, electronic devices and methods can be implemented in other ways. For example, the device / electronic device embodiments described above are merely schematic. For example, the division of the modules or units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0165] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0166] The embodiments described above are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the aforementioned embodiments, a person skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present application, and should all be included in the protection scope of the present application.

Claims

1. A payment method, characterized in that: Applied to a wearable terminal device, the method comprises: Scanning at least one broadcast message; Determine whether the at least one broadcast message contains a target broadcast packet from a card reader device; wherein, if the device information in the broadcast message is consistent with the pre-stored card reader device information, and the state information in the broadcast message is a connectable state, the broadcast message is the target broadcast packet; When the at least one broadcast information includes the target broadcast packet, a Bluetooth connection is established with the card reader device according to the information carried by the target broadcast packet, and the card reader device is a Bluetooth network access point device of the wearable terminal device; Reading pre-stored payment information, and sending the payment information to the card reader device through the Bluetooth connection, so that the card reader device sends the payment information to the server; After the card reader device receives the first payment result returned by the server, it receives the first payment result sent by the card reader device, where the first payment result is a result obtained after the server performs a payment operation according to the payment information.

2. The method according to claim 1, characterized in that After establishing a Bluetooth connection with the card reader device and before reading the pre-stored payment information, the method further includes: receiving a payment request from the card reader device via the Bluetooth connection; In response to the payment request of the card swiping device, performing a first prompt operation, wherein the first prompt operation is used to inquire the user whether to perform a payment operation; When a payment confirmation instruction from the user for the first prompt operation is received, the step of reading the pre-stored payment information is entered.

3. The method according to claim 1, characterized in that Read pre-stored payment information, including: Sending an application protocol data unit APDU to the security chip; The payment information returned by the security chip according to the APDU is received, and the wearable terminal device includes the security chip.

4. The method according to claim 1, characterized in that After establishing a Bluetooth connection with the card reader device, the method further includes: Sending target information to the server through the Bluetooth connection, the target information including information of the card reader device and information of the wearable terminal device, and the target broadcast packet including information of the card reader device; receiving a payment request from the server; In response to the payment request of the server, executing a second prompt operation, wherein the second prompt operation is used to ask the user whether to execute the payment operation; When receiving a payment confirmation instruction from the user for the second prompt operation, sending a payment confirmation instruction to the server; A second payment result returned from the server is received, where the second payment result is a result obtained by the server after executing a payment operation according to the target information in response to the payment confirmation instruction.

5. The method according to claim 1, characterized in that Determining whether the at least one broadcast message includes a target broadcast packet from a card reader device includes: Determine whether the device information in each of the broadcast information is consistent with the pre-stored card reader device information; When the device information in the broadcast information is consistent with the pre-stored card reader device information, and the state information in the broadcast information is a connectable state, it is determined that the broadcast information includes the target broadcast packet.

6. The method according to any one of claims 1 to 5, characterized in that: The Bluetooth connection is a Bluetooth Network Packet Protocol BNEP connection.

7. A payment device, characterized in that: Applied to wearable terminal devices, including: A scanning module, used for scanning at least one broadcast information; A judgment module, used to judge whether the at least one broadcast information contains a target broadcast packet from a card reader device; wherein, if the device information in the broadcast information is consistent with the pre-stored card reader device information, and the state information in the broadcast information is a connectable state, the broadcast information is the target broadcast packet; A Bluetooth connection establishment module, configured to establish a Bluetooth connection with the card reader device according to information carried in the target broadcast packet when the at least one broadcast information includes the target broadcast packet, wherein the card reader device is a Bluetooth network access point device of the wearable terminal device; a payment information sending module, configured to read pre-stored payment information and send the payment information to the card reader device via the Bluetooth connection, so that the card reader device sends the payment information to the server; The payment result receiving module is used to receive the first payment result sent by the card swiping device after the card swiping device receives the first payment result returned by the server, and the first payment result is the result obtained after the server performs a payment operation according to the payment information.

8. A payment system, characterized in that: Including wearable terminal devices, card reader devices and servers; The card reader device is used to broadcast a target broadcast packet externally; and establish a Bluetooth connection with the wearable terminal device; The wearable terminal device is used to scan at least one broadcast message; determine whether the at least one broadcast message contains the target broadcast packet; wherein, if the device information in the broadcast message is consistent with the pre-stored card reader device information, and the status information in the broadcast message is a connectable state, the broadcast message is the target broadcast packet; when the at least one broadcast message contains the target broadcast packet, a Bluetooth connection is established with the card reader device according to the information carried by the target broadcast packet, and the card reader device is a Bluetooth network access point device of the wearable terminal device; read the pre-stored payment information, and send the payment information to the card reader device through the Bluetooth connection, so that the card reader device sends the payment information to the server; after the card reader device receives the first payment result returned by the server, the first payment result sent by the card reader device is received; The server is used to perform a payment operation according to the payment information, obtain the first payment result, and send the first payment result to the wearable terminal device through the card reader device.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 6 is implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

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