A business processing method and device on a smart terminal

Abstract

The present application discloses a business processing method and device on a smart terminal, wherein the method includes: when a payment event in a power-off state is detected, obtaining power-off payment authorization information of a target authorized payment application, the power-off payment authorization information of the target authorized payment application including power-off payment parameters of the target authorized payment application, the power-off payment parameters including a payment amount threshold and / or a payment number threshold of the target authorized payment application in a power-off state; and performing power-off payment business processing on a payment object device through the target authorized payment application according to the power-off payment parameters included in the power-off payment authorization information. Through this method, a smart terminal can complete payment even when it is in a power-off state.

Description

Technical Field

[0001] The present application relates to the fields of computer technology and communication technology, and in particular to a service processing method and device on a smart terminal. Background Art

[0002] With the development and popularization of communications and computer technologies, currency transactions using smart terminals have become a common method of transaction. Currently, transactions based on smart terminals are primarily conducted by scanning a specific QR code. This QR code causes the smart terminal to load the corresponding payment page, where the user can perform operations and complete the payment. However, this transaction method becomes ineffective when the smart terminal is out of power, making it impossible to complete payments. Summary of the Invention

[0003] The present application discloses a business processing method and device on a smart terminal, which can enable the smart terminal to complete payment even when it is in a power-off state.

[0004] In a first aspect, embodiments of the present application provide a service processing method and apparatus on a smart terminal. The method can be applied in a smart terminal, and the method includes:

[0005] When a payment event in a power-off state is detected, obtaining power-off payment authorization information of a target authorized payment application, the power-off payment authorization information of the target authorized payment application including power-off payment parameters of the target authorized payment application, the power-off payment parameters including a payment amount threshold and / or a payment number threshold of the target authorized payment application in a power-off state;

[0006] According to the instruction of the non-electricity payment parameter included in the non-electricity payment authorization information, the non-electricity payment service processing is performed on the payment object device through the target authorized payment application.

[0007] In one embodiment, the smart terminal includes a payment module and a sensing module for performing payment processing.

[0008] In one embodiment, when it is detected that the sensing module provides power to the payment module and the sensing module detects a payment request from the payment object device, it is determined that a payment event in a power-off state is detected; and power-off payment authorization information of the target authorized payment application is obtained.

[0009] In one embodiment, the induction module stores electrical energy, and the electrical energy stored in the induction module is provided by the electromagnetic field sent by the smart terminal and / or the payment object device.

[0010] In one embodiment, the smart terminal includes a power monitoring module, which is used to monitor the power level of the smart terminal.

[0011] In one embodiment, when the power monitoring module sends a power-off indication message to the payment module and the sensing module detects a payment request from the payment object device, it determines that a payment event in a power-off state is detected; and obtains the power-off payment authorization information of the target authorized payment application.

[0012] In one embodiment, the intelligent terminal includes a configuration interface.

[0013] In one embodiment, before obtaining the non-electricity payment authorization information of the target authorized payment application, the non-electricity payment configuration information of the payment application to be authorized input by the user is obtained through the configuration interface of the payment application to be authorized, and the non-electricity payment configuration information of the payment application to be authorized includes the non-electricity payment parameters of the payment application to be authorized; a non-electricity payment authorization request of the payment application to be authorized is generated according to the non-electricity payment configuration information of the payment application to be authorized; the non-electricity payment authorization request of the payment application to be authorized is sent to the business server; the non-electricity payment authorization information of the payment application to be authorized sent by the business server is received, and the payment application to be authorized is determined to be an authorized payment application, and the authorized payment application is added to the authorized payment application set.

[0014] In one embodiment, the payment request includes an identification of a target authorized payment application.

[0015] In one embodiment, a target authorized payment application is determined from a set of authorized payment applications according to an identifier of the target authorized payment application; and powerless payment authorization information of the target authorized payment application is obtained.

[0016] In one embodiment, the payment request further includes the amount to be paid.

[0017] In one embodiment, if the smart terminal meets the payment conditions, a payment response message is sent to the payment object device through the target authorized payment application. The payment conditions include that the sum of the paid amount and the amount to be paid through the target authorized payment application is less than or equal to the payment amount threshold of the target authorized payment application, and the number of payments completed through the target authorized payment application is less than the payment number threshold of the target authorized payment application; the payment response message includes the currency of the amount to be paid.

[0018] In a second aspect, an embodiment of the present application provides a service processing device on a smart terminal, including:

[0019] an acquiring unit, configured to acquire, when a payment event in a power-off state is detected, power-off payment authorization information of a target authorized payment application, the power-off payment authorization information of the target authorized payment application including power-off payment parameters of the target authorized payment application, the power-off payment parameters including a payment limit threshold and / or a payment number threshold of the target authorized payment application;

[0020] The processing unit is used to perform non-electricity payment service processing on the payment object device through the target authorized payment application according to the instruction of the non-electricity payment parameter included in the non-electricity payment authorization information.

[0021] In a third aspect, an embodiment of the present application provides a business processing device on a smart terminal, comprising a processor, a memory, and a user interface, wherein the processor, the memory, and the user interface are interconnected, wherein the memory is used to store a computer program, the computer program includes program instructions, and the processor is configured to call the program instructions to execute the business processing method on the smart terminal as described in the first aspect.

[0022] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, which stores one or more instructions, and the one or more instructions are suitable for being loaded by a processor and executed by the business processing method on the smart terminal as described in the first aspect.

[0023] In an embodiment of the present application, when a payment event is detected in a power-off state, the payment module in the smart terminal obtains power-off payment authorization information from a target authorized payment application. The power-off payment authorization information includes power-off payment parameters of the target authorized payment application. The power-off payment parameters include a payment limit threshold and / or a payment number threshold for the target authorized payment application in a power-off state. Based on the power-off payment parameters included in the power-off payment authorization information, the target authorized payment application performs power-off payment processing on the payment object device. This method enables the smart terminal to complete payment even when it is in a power-off state. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the description of the embodiments. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0025] Figure 1 A diagram of the system architecture and network architecture for intelligent terminal service processing provided in an embodiment of the present application;

[0026] Figure 2 A flowchart of a service processing method on a smart terminal provided in an embodiment of the present application;

[0027] Figure 3 A schematic diagram of a configuration interface for a payment application to be authorized provided in an embodiment of the present application;

[0028] Figure 4A schematic diagram of a configuration interface for wireless payment configuration information including multiple payment applications provided in an embodiment of the present application;

[0029] Figure 5 A flowchart of another service processing method on a smart terminal provided in an embodiment of the present application;

[0030] Figure 6 A schematic diagram of a unit of a service processing device on a smart terminal provided in an embodiment of the present application;

[0031] Figure 7 A simplified schematic diagram of the physical structure of a service processing device on a smart terminal provided in an embodiment of the present application. DETAILED DESCRIPTION

[0032] The technical solutions in the embodiments of the present application will be described clearly and completely below in conjunction with the accompanying drawings in the embodiments of the present invention.

[0033] In order to better understand the embodiments of the present application, the following professional terms involved in the embodiments of the present application are introduced:

[0034] Near Field Communication (NFC): is an emerging technology that enables devices using NFC technology (such as mobile phones) to exchange data when they are close to each other. It is an integration of contactless radio frequency identification (RFID) and interconnection technology. By integrating the functions of inductive card readers, inductive cards and point-to-point communication on a single chip, it can realize mobile payment, electronic ticketing, access control, mobile identity recognition, anti-counterfeiting and other applications using mobile terminals.

[0035] In order to better understand the embodiments of the present application, the network architecture applicable to the embodiments of the present application is described below.

[0036] See Figure 1 , Figure 1A system architecture and network architecture diagram for smart terminal business processing provided in an embodiment of the present application. The network architecture includes a smart terminal, a payment object device, and a business server. The smart terminal and the payment object device can exchange information through the electromagnetic field emitted by the payment object device, such as executing payment services, etc. The smart terminal includes a power monitoring module, a payment module, and a sensing module. Among them, the power detection module can try to monitor the current power level of the smart terminal; the payment module can complete the processing of payment services; the sensing module is a communication module of the smart terminal, which can communicate with the payment object device. The sensing module can be an NFC module. When the battery of the smart terminal can still provide power, the payment module of the smart terminal can communicate with the business server, for example, the payment module can request payment authorization from the business server, etc. When the smart terminal is in a power-off state due to exhaustion of power, the payment module of the smart terminal cannot communicate with the business server.

[0037] The smart terminal herein can be implemented in various forms. For example, the smart terminal described in this application may include mobile terminals such as mobile phones, tablet computers, laptop computers, PDAs, portable media players (PMPs), navigation devices, wearable devices, smart bracelets, pedometers, and other mobile terminals, as well as fixed terminals such as digital TVs and desktop computers. The subsequent description will be explained using smart terminals as an example, and those skilled in the art will understand that, in addition to components specifically for mobile purposes, the structure according to the embodiments of the present application can also be applied to fixed-type terminals.

[0038] In order to improve the security of non-electrical payment on smart terminals, the embodiment of the present application provides a business processing method and device on a smart terminal. The business processing method and device on a smart terminal provided by the embodiment of the present application are further introduced in detail below.

[0039] See Figure 2 , Figure 2 The embodiment of the present application provides a flow chart of a service processing method on a smart terminal. Figure 2 The process shown can include the following steps:

[0040] 210. When a payment event in a power-off state is detected, obtain the power-off payment authorization information of the target authorized payment application, the power-off payment authorization information of the target authorized payment application includes the power-off payment parameters of the target authorized payment application, and the power-off payment parameters include the payment amount threshold and / or payment number threshold of the target authorized payment application.

[0041] In one possible implementation, the smart terminal detects a payment event in a power-off state by proactively notifying the payment module of the power-off state. Specifically, the payment module can subscribe to power-off state notifications from the power-off state notification module when the smart terminal is powered. For example, the payment module can send a power-off state notification subscription message to the power-off state notification module. Upon receiving the power-off state notification subscription message, the power-off state notification module determines that it is necessary to send a power-off indication message to the payment module when the smart terminal is about to enter a power-off state, notifying the payment module that the smart terminal has entered a power-off state. The power-off state notification message can be sent by the power-off state notification module to the payment module while the smart terminal is powered off, thereby providing timely notification to the payment module. If, in a power-off state, the sensing module detects a payment request sent by a payment object device, it can be determined that a power-off state payment event has been detected. The payment request can be sent by the payment object device to the sensing module of the smart terminal via an electromagnetic field.

[0042] In one possible implementation, the smart terminal can detect a payment event in a power-off state by having the payment module, included in the smart terminal, periodically contact the power monitoring module. Specifically, the payment module can send a power level detection request to the power monitoring module at predetermined intervals. If the smart terminal still has power, the power monitoring module, upon receiving the power level detection request, can respond to the power level detection request and send a power level detection response message to the payment module. This allows the payment module to know that the smart terminal still has power and has not entered a power-off state, and that the payment module is currently powered by the smart terminal. If the power monitoring module does not respond to the power level detection request within a predetermined period of time, the payment module determines that the smart terminal is in a power-off state. It should be noted that even if the smart terminal is in a power-off state, the payment module can continue to operate through the sensing module included in the smart terminal. The sensing module can store a certain amount of electrical energy, which can be supplied to the payment module. The electrical energy in the sensing module can be provided by the smart terminal when it is powered, or by the electromagnetic field emitted by the payment object device. In other words, the sensing module can convert the electromagnetic field into electrical energy for storage. When the payment module detects that the sensing module is providing power to the payment module, it can determine that the smart terminal is in a power-off state. This is because the smart terminal may suddenly lose power even when the battery is still charged. For example, if the battery of the smart terminal is unplugged by the user, the power monitoring module of the smart terminal will not be able to proactively notify the payment module of the power-off state. If the sensing module detects a payment request sent by the payment counterparty device during the power-off state, it can be determined that a payment event has been detected during the power-off state.

[0043] When a payment event in a power-off state is detected, the payment module can obtain the power-off payment authorization information of the target authorized payment application. Before obtaining the power-off payment authorization information of the target authorized payment application, the smart terminal can perform an authorization operation on the payment application to be authorized in the smart terminal. The smart terminal can obtain the power-off payment configuration information of the payment application to be authorized input by the user through the configuration interface of the payment application to be authorized. The power-off payment configuration information of the payment application to be authorized may include the power-off payment parameters of the payment application to be authorized, such as the payment limit threshold and / or the payment number threshold of the payment application to be authorized. Of course, other parameters that can be used to limit payment can also be included, which are not limited in the embodiments of the present application.

[0044] like Figure 3 As shown, the configuration interface of the payment application to be authorized can be displayed in the display interface of the payment application to be authorized, and the display of the configuration interface can be achieved by obtaining a click operation on the virtual button for configuring and authorizing the off-power payment configuration information in the payment application to be authorized. The embodiment of the present application does not limit the display method of the configuration interface, which can be a side-by-side display, an embedded display, a floating display, etc. The user can enter the off-power payment parameters in the configuration interface of the payment application to be authorized, such as the payment amount threshold and / or the payment number threshold for making payments through the payment application to be authorized in the off-power state. For example, the user can set the payment amount threshold for making payments through the payment application to be authorized in the off-power state to 500 yuan and the payment number threshold to 3 times.

[0045] After the user sets the off-line payment parameters, the payment module can generate the corresponding off-line payment authorization request for the payment application to be authorized based on the off-line payment configuration information. The payment module needs to apply for authorization from the business server, and will send the off-line authorization request for the payment application to be authorized to the business server. If the business server approves the authorization, it will send the off-line payment authorization information of the payment application to be authorized to the payment module. When the payment module receives the off-line payment authorization information of the payment application to be authorized, it can determine that the current payment application to be authorized is an authorized payment application, and add the authorized payment application to the authorized payment application set. It should be noted that there may be more than one payment application in the smart terminal. The user can set the off-line payment configuration information and authorization request for different payment applications respectively. When the authorization is approved, the smart terminal can use multiple authorized payment applications to process payments in an off-line state.

[0046] In one possible implementation, the payment module can determine the target authorized payment application from the authorized payment application set in a power-off state by identifying the identifier of the target authorized payment application. Specifically, when the payment object device initiates a payment transaction, it will send a payment request to the smart terminal, and the payment request may include the identifier of the target authorized payment application. After receiving the payment request, the sensing module of the smart terminal will forward it to the payment module. The payment module identifies the identifier of the target authorized payment application therein, thereby determining the target authorized payment application from the authorized payment application set. After determining the target authorized payment application, the payment application can obtain the power-off payment authorization information of the targeted authorized payment application, and thus perform subsequent power-off payment business processing.

[0047] In one possible implementation, the payment module can determine the target authorized payment application from a set of authorized payment applications in a power-off state through polling. Specifically, after receiving a payment request, the payment module can poll each authorized payment application in the set of authorized payment applications. Upon detecting an authorized payment application that matches the payment request, the authorized payment application is determined to be the target authorized payment application. After determining the target authorized payment application, the payment application can obtain the power-off payment authorization information of the targeted authorized payment application to perform subsequent power-off payment processing.

[0048] In a possible implementation, the smart terminal may provide a unified configuration interface for wireless payment configuration information of different payment applications. The configuration interface may be as follows: Figure 4 As shown. The configuration interface may include non-electrical payment parameters such as payment limit thresholds, payment times thresholds, etc. for multiple payment applications. For example, the user can set the payment limit threshold 1 and payment times threshold 1 for payment application 1, and set the payment limit threshold 2 and payment times threshold 2 for payment application 2 in the configuration interface. After the settings are completed, the payment module of the smart terminal can generate non-electrical payment authorization requests for each payment application based on the non-electrical payment configuration information of different payment applications, and send them to the business server for authorization application. In this way, the user does not need to open multiple payment applications separately for settings, which can improve the efficiency of users in setting and authorizing non-electrical payment configuration information for different payment applications. It should be noted that the display Figure 4 The configuration interface of the non-electrical payment configuration information of the multiple payment applications shown may be a function of the local system in the smart terminal, which may obtain the configuration authority of the non-electrical payment configuration information of each payment application, thereby allowing the user to perform unified configuration.

[0049] 220. According to the instruction of the non-electricity payment parameter included in the non-electricity payment authorization information, perform non-electricity payment service processing on the payment object device through the target authorized payment application.

[0050] The payment request received by the payment module also includes an amount to be paid, which is the amount initiated by the payment target device and required to be paid by the current smart terminal. If the smart terminal meets the payment conditions, the currency of the amount to be paid can be paid to the payment target device according to the target authorized payment application. The payment conditions can be: the sum of the amount paid and the amount to be paid through the target authorized payment application is less than or equal to the payment limit threshold of the target authorized payment application, and the number of payments completed through the target authorized payment application is less than the payment number threshold of the target authorized payment application. In other words, the payment module will determine whether the payment limit through the target authorized payment application exceeds the payment limit threshold, and determine whether the number of payments through the target authorized payment application exceeds the payment number threshold. In this way, the number of payments and the payment limit can be limited when the smart terminal is out of power, which can minimize losses in the event of an unexpected situation.

[0051] It should be noted that if the payment module determines that the smart terminal meets the payment conditions, it can call the sensing module to send a payment response message to the payment object device through the sensing module. The payment response message may include the currency of the amount to be paid.

[0052] According to the embodiments of the present application, when a smart terminal is in a power-off state, if the payment module receives a payment request sent by a payment target device, it can determine that a payment event has been detected in the power-off state and can then determine which payment application to use for payment based on the identification information of the target authorized payment application in the payment request. The payment module is powered by the sensing module when the smart terminal is in the power-off state. Once the payment module determines the target authorized payment application, it can obtain the power-off payment authorization information corresponding to the target authorized payment application. This power-off payment authorization information is obtained by the smart terminal sending a power-off payment authorization request to the service server when the smart terminal is powered. This power-off payment authorization information may include power-off payment parameters, which include a payment limit and / or a payment number threshold for the target authorized payment application in the power-off state. This limits the amount and number of power-off payments made by the smart terminal during power-off, ensuring security. Finally, the payment module can perform power-off payment service processing on the payment target device through the target authorized payment application based on the power-off payment parameters indicated in the power-off payment authorization information of the target authorized payment application. This method enables the smart terminal to complete payments even when it is in a power-off state. At the same time, the security of the smart terminal's no-power payment can be improved by limiting the payment amount and / or number of times when the smart terminal is in a no-power state through the no-power payment authorization information.

[0053] See Figure 5 , Figure 5A flowchart of another service processing method on a smart terminal provided in an embodiment of the present application. Figure 5 The process shown can include the following steps:

[0054] 510. The payment module sends a powerless payment authorization request for the payment application to be authorized to the service server.

[0055] 520. The payment module receives the power-off payment authorization information of the payment application to be authorized sent by the business server.

[0056] 530. The payment module determines the payment application to be authorized as an authorized payment application.

[0057] If the payment module receives the power-off payment authorization information of the payment application to be authorized, it can determine that the payment application to be authorized is an authorized payment application and add the authorized payment application to the authorized payment application set.

[0058] 540. The payment module and the power monitoring module perform power detection.

[0059] 550. The payment module determines that the smart terminal is in a power-off state.

[0060] In a possible implementation, when the power monitoring module detects that the smart terminal is about to enter a power-off state, it may send power-off indication information to the payment module. The payment module determines that the smart terminal is in a power-off state based on the power-off indication information.

[0061] In one possible implementation, the payment module can send a power detection request to the power monitoring module at preset intervals. When the power monitoring module does not respond to the power detection request within the preset time, the payment module determines that the smart terminal is in a power-off state.

[0062] 560. The payment module receives the payment request sent by the payment object device.

[0063] 570. The payment module determines the target authorized payment application.

[0064] The payment request sent by the payment object device includes an identifier of the target authorized payment application. The payment module can determine the target authorized payment application based on the identifier, that is, determine the payment application to be used for payment service processing.

[0065] 580. The payment module performs payment processing according to the payment request and the powerless payment authorization information of the target authorized payment application, and sends a payment response message to the payment object device.

[0066] The payment request also includes the amount to be paid, and the power-off payment authorization information of the target authorized payment application includes power-off payment parameters, which include the payment amount threshold and / or payment number threshold of the target authorized payment application in a power-off state.

[0067] Through the embodiments of the present application, payments can be completed even when the smart terminal is out of power. Furthermore, the payment module can process the payment service based on the payment request and the power-off payment authorization information of the target authorized payment application, thereby limiting the payment limit and number of payments made by the smart terminal in the power-off state, thereby improving the security of power-off payments.

[0068] See Figure 6 , Figure 6 A unit diagram of a service processing device on a smart terminal provided in an embodiment of the present application. Figure 6 The device of the smart terminal shown can be used to perform the above Figure 2 The device may be a smart terminal, a device in a smart terminal, or a device that can be used in conjunction with a smart terminal.

[0069] The logical structure of the device may include: an acquisition unit 610 and a processing unit 620. When the device is applied to a smart terminal:

[0070] An acquiring unit 610 is configured to acquire, upon detecting a payment event in a power-off state, power-off payment authorization information of a target authorized payment application, the power-off payment authorization information of the target authorized payment application including power-off payment parameters of the target authorized payment application, the power-off payment parameters including a payment amount threshold and / or a payment number threshold for the target authorized payment application in a power-off state;

[0071] The processing unit 620 is configured to perform a non-electricity payment service process on the payment object device through the target authorized payment application according to the indication of the non-electricity payment parameter included in the non-electricity payment authorization information.

[0072] In a possible implementation, the smart terminal includes a payment module and a sensing module for performing payment processing.

[0073] In one possible implementation, the processing unit 620 is also used to determine that a payment event in a power-off state is detected when it is detected that the sensing module provides power to the payment module and the sensing module detects a payment request from the payment object device; the acquisition unit 610 is also used to obtain the power-off payment authorization information of the target authorized payment application.

[0074] In a possible implementation, the sensing module stores electrical energy, and the electrical energy stored in the sensing module is provided by the electromagnetic field sent by the smart terminal and / or the payment object device.

[0075] In a possible implementation, the smart terminal includes a power monitoring module, which is configured to monitor the power level of the smart terminal.

[0076] In one possible implementation, the processing unit 620 is also used to determine that a payment event in a power-off state is detected when the power monitoring module sends a power-off indication information to the payment module and the sensing module detects a payment request from the payment object device; the acquisition unit 610 is also used to obtain the power-off payment authorization information of the target authorized payment application.

[0077] In a possible implementation, the intelligent terminal includes a configuration interface.

[0078] In one possible implementation, before the acquisition unit 610 acquires the target authorized payment application's off-line payment authorization information, the processing unit 620 is further used to acquire the user's off-line payment configuration information of the payment application to be authorized through the configuration interface of the payment application to be authorized, where the off-line payment configuration information of the payment application to be authorized includes off-line payment parameters of the payment application to be authorized; generate an off-line payment authorization request for the payment application to be authorized based on the off-line payment configuration information of the payment application to be authorized; send the off-line payment authorization request for the payment application to be authorized to the business server; receive the off-line payment authorization information of the payment application to be authorized sent by the business server, determine that the payment application to be authorized is an authorized payment application, and add the authorized payment application to the authorized payment application set.

[0079] In one possible implementation, the payment request includes an identifier of a target authorized payment application.

[0080] In a possible implementation, the processing unit 620 is further configured to determine a target authorized payment application from a set of authorized payment applications according to an identifier of the target authorized payment application; and the acquiring unit 610 is further configured to acquire powerless payment authorization information of the target authorized payment application.

[0081] In a possible implementation, the payment request also includes the amount to be paid.

[0082] In one possible implementation, the above-mentioned processing unit 620 is also used to send payment response information to the payment object device through the target authorized payment application if the smart terminal meets the payment conditions. The payment conditions include that the sum of the paid amount and the amount to be paid through the target authorized payment application is less than or equal to the payment amount threshold of the target authorized payment application, and the number of payments completed through the target authorized payment application is less than the payment number threshold of the target authorized payment application; the payment response information includes the currency of the amount to be paid.

[0083] See Figure 7 , Figure 7 A simplified schematic diagram of the physical structure of a business processing device on an intelligent terminal provided in an embodiment of the present application, wherein the device includes a processor 710, a memory 720, a communication interface 730 and a user interface 740, and the processor 710, the memory 720, the communication interface 730 and the user interface 740 are connected via one or more communication buses.

[0084] The processor 710 is configured to support the data transmission device to execute Figure 2 It should be understood that in the embodiment of the present application, the processor 710 may be a central processing unit (CPU), and the processor may also be 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 the processor may be any conventional processor, etc.

[0085] The memory 720 is used to store program code, etc. The memory 720 in the embodiment of the present application can be a volatile memory or a non-volatile memory, or can include both volatile and non-volatile memories. Among them, the non-volatile memory can be a read-only memory (ROM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), or a flash memory. The volatile memory can be a random access memory (RAM), which is used as an external cache. By way of example and not limitation, many forms of random access memory (RAM) are available, such as static RAM (SRAM), dynamic random access memory (DRAM), synchronous DRAM (SDRAM), double data rate synchronous dynamic random access memory (DDR SDRAM), enhanced synchronous dynamic random access memory (ESDRAM), synchronous link DRAM (SLDRAM), and direct rambus RAM (DR RAM).

[0086] The communication interface 730 is used to send and receive data, information or messages, etc., and can also be described as a transceiver, a transceiver circuit, etc.

[0087] The user interface 740 is a medium for realizing interaction and information exchange between the user and the terminal. Its specific embodiment may include a display screen (Display) for output and a keyboard (Keyboard), a touch screen, etc. for input. It should be noted that the keyboard here can be either a physical keyboard, a touch screen virtual keyboard, or a keyboard that combines a physical and touch screen virtual keyboard.

[0088] In the embodiment of the present application, when the data transmission device uses a smart terminal, the processor 710 may call the program code stored in the memory 720 to perform the following operations:

[0089] The processor 710 calls the program code stored in the memory 720 to obtain power-off payment authorization information of a target authorized payment application when a payment event in a power-off state is detected. The power-off payment authorization information of the target authorized payment application includes power-off payment parameters of the target authorized payment application. The power-off payment parameters include a payment amount threshold and / or a payment number threshold of the target authorized payment application in a power-off state.

[0090] The processor 710 calls the program code stored in the memory 720 and performs a non-electricity payment service process on the payment object device through the target authorized payment application according to the instruction of the non-electricity payment parameter included in the non-electricity payment authorization information.

[0091] In a possible implementation, the smart terminal includes a payment module and a sensing module for performing payment processing.

[0092] In one possible implementation, the processor 710 calls the program code stored in the memory 720 to determine that a payment event in a power-off state is detected when it detects that the sensing module provides power to the payment module and the sensing module detects a payment request from the payment object device; and obtains the power-off payment authorization information of the target authorized payment application.

[0093] In a possible implementation, the sensing module stores electrical energy, and the electrical energy stored in the sensing module is provided by the electromagnetic field sent by the smart terminal and / or the payment object device.

[0094] In a possible implementation, the smart terminal includes a power monitoring module, which is configured to monitor the power level of the smart terminal.

[0095] In one possible implementation, the processor 710 calls the program code stored in the memory 720 to determine that a payment event in a power-off state is detected when the power monitoring module sends a power-off indication information to the payment module and the sensing module detects a payment request from the payment object device; and obtains the power-off payment authorization information of the target authorized payment application.

[0096] In a possible implementation, the intelligent terminal includes a configuration interface.

[0097] In one possible implementation, before the processor 710 calls the program code stored in the memory 720 to obtain the non-electric payment authorization information of the target authorized payment application, it obtains the non-electric payment configuration information of the payment application to be authorized input by the user through the configuration interface of the payment application to be authorized (i.e., through the user interface 740), and the non-electric payment configuration information of the payment application to be authorized includes the non-electric payment parameters of the payment application to be authorized; generates a non-electric payment authorization request for the payment application to be authorized based on the non-electric payment configuration information of the payment application to be authorized; sends the non-electric payment authorization request for the payment application to be authorized to the business server; receives the non-electric payment authorization information of the payment application to be authorized sent by the business server, and determines that the payment application to be authorized is an authorized payment application, and adds the authorized payment application to the authorized payment application set.

[0098] In one possible implementation, the payment request includes an identifier of a target authorized payment application.

[0099] In one possible implementation, the processor 710 calls the program code stored in the memory 720 to determine the target authorized payment application from the authorized payment application set according to the identifier of the target authorized payment application; and obtains the power-off payment authorization information of the target authorized payment application.

[0100] In a possible implementation, the payment request also includes the amount to be paid.

[0101] In one possible implementation, the processor 710 calls the program code stored in the memory 720 and if the smart terminal meets the payment conditions, it sends a payment response message to the payment object device through the target authorized payment application. The payment conditions include that the sum of the paid amount and the amount to be paid through the target authorized payment application is less than or equal to the payment amount threshold of the target authorized payment application, and the number of payments completed through the target authorized payment application is less than the payment number threshold of the target authorized payment application; the payment response information includes the currency of the amount to be paid.

[0102] It should be noted that, in the above embodiments, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0103] The steps in the method of the embodiment of the present invention can be adjusted in sequence, combined, or deleted according to actual needs.

[0104] The units in the processing device of the embodiment of the present invention can be merged, divided, and deleted according to actual needs.

[0105] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When software is used for implementation, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the process or function according to the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions can be transmitted from one website, computer, server or data center to another website, computer, server or data center via a wired (e.g., coaxial cable, optical fiber, digital subscriber line) or wireless (e.g., infrared, wireless, microwave, etc.) method. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that includes one or more available media integrations. The available medium can be a magnetic medium (e.g., a floppy disk, a storage disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state storage disk Solid State Disk (SSD)).

[0106] Finally, it should be noted that the above embodiments 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, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some or all of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A service processing method on an intelligent terminal, characterized in that: The method is applied in a smart terminal, and includes: When a payment event in a power-off state is detected, determining a target authorized payment application from a set of authorized payment applications based on the payment event; each authorized payment application in the set of authorized payment applications corresponds to power-off payment authorization information; the power-off state refers to a state in which the smart terminal is out of power; Obtaining power-off payment authorization information of a target authorized payment application, wherein the power-off payment authorization information of the target authorized payment application includes power-off payment parameters of the target authorized payment application, wherein the power-off payment parameters include a payment amount threshold and / or a payment number threshold of the target authorized payment application in a power-off state; According to the indication of the non-electricity payment parameter included in the non-electricity payment authorization information of the target authorized payment application, the target authorized payment application performs non-electricity payment service processing on the payment object device.

2. The method according to claim 1, characterized in that The smart terminal includes a payment module and a sensing module for performing payment processing; When a payment event is detected in a power-off state, obtaining power-off payment authorization information of a target authorized payment application includes: When it is detected that the sensing module provides power to the payment module and the sensing module detects a payment request from the payment object device, determining that a payment event in a power-off state is detected; Obtain the powerless payment authorization information of the target authorized payment application.

3. The method according to claim 2, characterized in that The induction module stores electrical energy, and the electrical energy stored in the induction module is provided by the electromagnetic field sent by the smart terminal and / or the payment object device.

4. The method according to claim 1, wherein The smart terminal includes a power monitoring module, which is used to monitor the power of the smart terminal; When a payment event is detected in a power-off state, obtaining power-off payment authorization information of a target authorized payment application includes: When the power monitoring module sends a power-off indication message to the payment module and the sensing module detects a payment request from the payment object device, it is determined that a payment event in a power-off state is detected; Obtain the powerless payment authorization information of the target authorized payment application.

5. The method according to claim 1, wherein The intelligent terminal includes a configuration interface; Before obtaining the powerless payment authorization information of the target authorized payment application, the method further includes: Acquiring, through a configuration interface of the payment application to be authorized, power-free payment configuration information of the payment application to be authorized input by a user, wherein the power-free payment configuration information of the payment application to be authorized includes power-free payment parameters of the payment application to be authorized; generating a non-powered payment authorization request for the payment application to be authorized according to the non-powered payment configuration information of the payment application to be authorized; Sending a powerless payment authorization request of the payment application to be authorized to the service server; The non-powered payment authorization information of the payment application to be authorized is received from the service server, and the payment application to be authorized is determined to be an authorized payment application, and the authorized payment application is added to an authorized payment application set.

6. The method according to claim 5, characterized in that The payment request includes the identifier of the target authorized payment application; The step of obtaining the powerless payment authorization information of the target authorized payment application includes: Determining the target authorized payment application from the authorized payment application set according to the identifier of the target authorized payment application; Get the target authorized payment application's wireless payment authorization information.

7. The method according to claim 1, characterized in that The payment request also includes the amount to be paid; The step of performing a non-electricity payment service process on a payment object device through the target authorized payment application according to an instruction of the non-electricity payment parameter included in the non-electricity payment authorization information includes: If the smart terminal meets the payment conditions, a payment response message is sent to the payment object device through the target authorized payment application. The payment conditions include that the sum of the amount paid through the target authorized payment application and the amount to be paid is less than or equal to the payment amount threshold of the target authorized payment application, and the number of payments completed through the target authorized payment application is less than the payment number threshold of the target authorized payment application; the payment response message includes the currency of the amount to be paid.

8. A service processing device on an intelligent terminal, characterized in that: include: an acquiring unit configured to, upon detecting a payment event in a power-off state, determine a target authorized payment application from a set of authorized payment applications based on the payment event; each authorized payment application in the set of authorized payment applications corresponding to power-off payment authorization information; the power-off state being a state in which the smart terminal is power-depleted; The acquisition unit is further configured to acquire power-off payment authorization information of a target authorized payment application, wherein the power-off payment authorization information of the target authorized payment application includes power-off payment parameters of the target authorized payment application, wherein the power-off payment parameters include a payment limit threshold and / or a payment number threshold of the target authorized payment application; The processing unit is configured to perform a non-electricity payment service process on a payment object device through the target authorized payment application according to an indication of a non-electricity payment parameter included in the non-electricity payment authorization information of the target authorized payment application.

9. A service processing device on an intelligent terminal, characterized in that: The invention comprises a processor, a memory and a user interface, wherein the processor, the memory and the user interface are interconnected, wherein the memory is used to store a computer program, the computer program includes program instructions, and the processor is configured to call the program instructions to execute the business processing method on the intelligent terminal as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores one or more instructions, and the one or more instructions are suitable for being loaded by a processor and executing the service processing method on a smart terminal according to any one of claims 1 to 7.

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