A payment method and a payment device for being scanned in a smart device

Abstract

The application relates to a method for performing a payment by scanning in an intelligent device, the method comprising: listening to a broadcast message of a label device bound to a payment terminal; after receiving the broadcast message, sending an application for a payment voucher to the label device based on a short-distance communication mode, so that the payment terminal can obtain the payment voucher and upload a payment request containing the payment voucher; and receiving a payment result associated with the payment request. The application also relates to a payment by scanning device, a passive label, a payment server background, a computer storage medium and a computer program product.

Description

Technical Field

[0001] This invention relates to the field of payment, and more specifically, to a scan-to-pay method executed in a smart device, a scan-to-pay device, a passive tag, a payment server backend, a computer storage medium, and a computer program product. Background Technology

[0002] In recent years, personal payment codes have been widely used, effectively meeting the personalized and diversified payment needs of the public and improving the efficiency of fund transfers for micro-enterprises and street vendors. However, personal payment codes also pose some risks and hidden dangers.

[0003] Current methods primarily rely on regulating business rules and using big data detection, but they do not address the root cause of these fraudulent transactions, thus hindering risk control. For example, some marketing campaigns require users to upload location data, but since GPS information can be quickly forged using scripts, its security is relatively limited.

[0004] Therefore, there is a need for a solution that can effectively prevent the misuse / remote use of personal payment codes. Summary of the Invention

[0005] According to one aspect of the present invention, a scan-to-pay method executed in a smart device is provided, the method comprising: listening to broadcast messages of a tag device bound to a payment terminal; upon receiving the broadcast message, sending an application for a payment credential to the tag device via short-range communication, enabling the payment terminal to obtain the payment credential and submit a payment request containing the payment credential; and receiving a payment result associated with the payment request.

[0006] As a supplement or alternative to the above solution, in the above method, after receiving the broadcast message, sending a payment voucher request to the tag device based on short-range communication, so that the payment terminal can obtain the payment voucher and send a payment request containing the payment voucher, includes: sending the payment voucher request to the tag device, the payment voucher indicating that the current transaction is a face-to-face transaction; receiving the payment voucher from the tag device; and generating a payment code based on the payment voucher, so that the payment terminal can scan the payment code to obtain the payment voucher contained in the payment code.

[0007] As a supplement or alternative to the above solution, the above method may further include: displaying a payment code before sending an application for a payment voucher to the tag device based on short-range communication, so that the payment terminal can scan the payment code and send an activation message to the tag device accordingly.

[0008] As a supplement or replacement to the above scheme, in the above method, after receiving the broadcast message, sending a payment voucher application to the tag device based on short-range communication, so that the payment terminal can obtain the payment voucher and send a payment request containing the payment voucher, includes: sending the payment voucher application to the tag device, so that the tag device returns the payment voucher to the payment terminal; and receiving a notification of successful application from the tag device.

[0009] As a supplement or replacement to the above scheme, in the above method, the broadcast message includes a tag ID and a counter.

[0010] As a supplement or replacement to the above scheme, in the above method, the application for the payment credential includes the tag ID, the counter, the payment application ID, and the payment account ID.

[0011] As a supplement or replacement to the above scheme, in the above method, the payment credential is obtained by performing a hash operation based on the tag ID, the payment application ID, and the payment account ID.

[0012] According to another aspect of the present invention, a scan-to-pay method performed in a smart device is provided, the method comprising: displaying a payment code and initiating a payment request broadcast, wherein the payment code includes a unique ID of the smart device, enabling a payment terminal to obtain the unique ID after scanning the displayed payment code; receiving a response message from and establishing a connection with a tag device corresponding to the payment terminal, wherein the tag device listens to the broadcast message of the smart device based on the unique ID received from the payment terminal; sending a request for a payment credential to the tag device based on a short-range communication method, enabling the payment terminal to obtain the payment credential and submit a payment request containing the payment credential; and receiving a payment result associated with the payment request.

[0013] As a supplement or replacement to the above solution, in the above method, the unique ID is the mobile phone Bluetooth MAC.

[0014] As a supplement or replacement to the above solution, in the above method, sending a payment voucher application to the tag device based on short-range communication, so that the payment terminal can obtain the payment voucher and send a payment request containing the payment voucher, includes: sending the payment voucher application to the tag device, so that the tag device returns the payment voucher to the payment terminal; and receiving a notification of successful application from the tag device.

[0015] According to another aspect of the present invention, a scan-to-pay method executed in a smart device is provided, the method comprising: displaying a payment code, causing a payment terminal to send a payment bill to a payment server backend after scanning the payment code; receiving tag information corresponding to a tag device bound to the payment terminal from the payment server backend; listening to broadcast messages from the tag device based on the received tag information; sending a payment voucher request to the tag device based on a short-range communication method after receiving the broadcast message; receiving the payment voucher from the tag device; sending the payment voucher to a payment application backend, causing the payment application backend to forward the payment voucher to the payment server backend; and receiving a payment result from the payment server after the payment server backend verifies the payment voucher.

[0016] As a supplement or replacement to the above scheme, in the above method, the tag information includes tag MAC and tag ID.

[0017] According to another aspect of the present invention, a scan-to-pay device is provided, the device comprising: a listening device for listening to broadcast messages of a tag device bound to a payment terminal; a sending device for sending a payment credential request to the tag device via short-range communication after receiving the broadcast message, enabling the payment terminal to obtain the payment credential and send a payment request containing the payment credential; and a receiving device for receiving a payment result associated with the payment request.

[0018] As a supplement or replacement to the above solution, in the above device, the sending device includes: a first sending unit, used to send an application for the payment voucher to the tag device, the payment voucher indicating that the current transaction is a face-to-face transaction; a first receiving unit, used to receive the payment voucher from the tag device; and a generating unit, used to generate a payment code based on the payment voucher, so that the payment terminal can scan the payment code to obtain the payment voucher contained in the payment code.

[0019] As a supplement or alternative to the above solution, the above device may further include: a display device for displaying a payment code before sending an application for a payment voucher to the tag device based on a short-range communication method, so that the payment terminal can scan the payment code and send a corresponding activation message to the tag device.

[0020] As a supplement or replacement to the above solution, in the above device, the sending device includes: a second sending unit, used to send the application for the payment voucher to the tag device, so that the tag device returns the payment voucher to the payment terminal; and a second receiving unit, used to receive a notification of successful application from the tag device.

[0021] As a supplement or replacement to the above scheme, in the above device, the broadcast message includes a tag ID and a counter.

[0022] As a supplement or replacement to the above solution, in the above device, the application for the payment credential includes the tag ID, the counter, the payment application ID, and the payment account ID.

[0023] As a supplement or replacement to the above solution, in the above device, the payment credential is obtained by performing a hash operation based on the tag ID, the payment application ID, and the payment account ID.

[0024] According to another aspect of the present invention, a scan-to-pay device is provided, the device comprising: a display device for displaying a payment code and initiating a payment request broadcast, wherein the payment code includes a unique ID of the smart device, enabling a payment terminal to obtain the unique ID after scanning the displayed payment code; a first receiving device for receiving a response message from a tag device corresponding to the payment terminal and establishing a connection thereto, wherein the tag device listens for broadcast messages from the smart device based on the unique ID received from the payment terminal; a sending device for sending a payment credential request to the tag device via short-range communication, enabling the payment terminal to obtain the payment credential and submit a payment request containing the payment credential; and a second receiving device for receiving a payment result associated with the payment request.

[0025] As a supplement or replacement to the above solution, in the above device, the unique ID is the mobile phone Bluetooth MAC.

[0026] As a supplement or replacement to the above solution, in the above device, the sending device includes: a sending unit for sending an application for the payment voucher to the tag device, so that the tag device returns the payment voucher to the payment terminal; and a receiving unit for receiving a notification of successful application from the tag device.

[0027] According to another aspect of the present invention, a scan-to-pay device is provided, the device comprising: a display device for displaying a payment code, such that a payment terminal sends a payment bill to a payment server backend after scanning the payment code; a first receiving device for receiving tag information corresponding to a tag device bound to the payment terminal from the payment server backend; a listening device for listening to broadcast messages of the tag device based on the received tag information; a first sending device for sending a payment voucher application to the tag device based on short-range communication after receiving the broadcast message; a second receiving device for receiving the payment voucher from the tag device; the second sending device for sending the payment voucher to a payment application backend, such that the payment application backend forwards the payment voucher to the payment server backend; and a third receiving device for receiving a payment result from the payment server after the payment server backend verifies the payment voucher.

[0028] As a supplement or replacement to the above solution, in the above device, the tag information includes tag MAC and tag ID.

[0029] According to another aspect of the present invention, a passive tag is provided, the passive tag comprising: a communication module for interacting with the scanned payment device as described above based on a short-range communication method; a control module for generating a payment voucher; and an environmental energy conversion module for obtaining the energy required by the passive tag through an environmental energy source.

[0030] As a supplement or replacement to the above solution, the passive tag may further include: a first receiving module, used to receive a start message from the payment terminal.

[0031] As a supplement or replacement to the above solution, the passive tag may further include: a first sending module, which sends the payment voucher to the receiving terminal based on the application from the scanned payment device; and a second sending module, which sends a notification to the scanned payment device to indicate that the application was successful.

[0032] As a supplement or replacement to the above solution, the passive tag may further include: a second receiving module for receiving the mobile phone Bluetooth MAC from the payment terminal; and a listening module for listening to broadcast messages from the mobile phone corresponding to the mobile phone Bluetooth MAC.

[0033] As a supplement or replacement to the above solution, in the passive tag, when the listening module detects the broadcast message, the communication module is configured to send a response message to the scanned payment device in order to establish a connection with the scanned payment device.

[0034] According to another aspect of the present invention, a payment server backend is provided, the payment server backend comprising: a payment device interaction module for interacting with the scanned payment device as described above to obtain a payment credential; and a verification module for verifying the payment credential to complete the payment.

[0035] According to another aspect of the present invention, a computer storage medium is provided, the medium including instructions that, when executed, perform the method described above.

[0036] According to another aspect of the present invention, a computer program product is provided, comprising a computer program that, when executed by a processor, implements the method described above.

[0037] The scan-to-pay scheme implemented in this invention, executed on a smart device, interacts with a tag device (bound to a payment terminal) to generate a payment voucher (face-to-face payment voucher). The payment terminal then uploads this voucher along with the payment bill to the payment server backend, where it verifies and completes the payment, and the payment result is received from the payment server backend. This technical solution ensures that the payment code is associated with the payment terminal within a valid timeframe, guaranteeing a face-to-face transaction, enhancing transaction authenticity and security, and preventing arbitrage through online dissemination of payment codes, thus improving risk control capabilities. Furthermore, the entire scan-to-pay process maintains consistency with existing QR code payment experiences, without negatively impacting user experience.

[0038] Furthermore, the passive tags provided by one or more embodiments of the present invention can collect radio waves transmitted from the network side, capture and collect energy, thereby completing the corresponding computing and transmission tasks without the need for additional batteries or external power supplies. Attached Figure Description

[0039] The above and other objects and advantages of the present invention will become more fully clear from the following detailed description taken in conjunction with the accompanying drawings, wherein the same or similar elements are indicated by the same reference numerals.

[0040] Figure 1 A schematic flowchart of a scan-to-pay method performed in a smart device according to an embodiment of the present invention is shown.

[0041] Figure 2 A flowchart illustrating a scan-to-pay method performed in a smart device according to another embodiment of the present invention is shown.

[0042] Figure 3 A schematic flowchart of a scan-to-pay method performed in a smart device according to yet another embodiment of the present invention is shown.

[0043] Figure 4 A schematic diagram of the structure of a scanned payment device according to an embodiment of the present invention is shown;

[0044] Figure 5 A schematic diagram of the structure of a scanned payment device according to another embodiment of the present invention is shown;

[0045] Figure 6 A schematic diagram of the structure of a scanned payment device according to yet another embodiment of the present invention is shown;

[0046] Figure 7 A schematic diagram of a passive tag according to an embodiment of the present invention is shown;

[0047] Figure 8 A schematic diagram of the structure of a payment server backend according to an embodiment of the present invention is shown;

[0048] Figure 9 An architecture diagram of a secure payment system based on IoT tags in scanned mode according to an embodiment of the present invention is shown;

[0049] Figure 10 A schematic diagram of a secure payment method based on an IoT tag in scanned mode according to an embodiment of the present invention is shown;

[0050] Figure 11 A schematic diagram of a secure payment method based on an IoT tag in scanned mode according to another embodiment of the present invention is shown;

[0051] Figure 12 A schematic diagram of a secure payment method based on an IoT tag in scanned mode according to yet another embodiment of the present invention is shown; and

[0052] Figure 13 A schematic diagram of a secure payment method based on an IoT tag in scanned mode according to yet another embodiment of the present invention is shown. Detailed Implementation

[0053] The embodiments of the present invention will be described in further detail below with reference to the accompanying drawings and examples. The following examples are for illustrative purposes only and should not be construed as limiting the scope of the invention.

[0054] In the description of this specification, references to terms such as "one embodiment," "some embodiments," "example," "specific example," or "some examples," etc., indicate that a specific feature, structure, material, or characteristic described in connection with that embodiment or example is included in at least one embodiment or example of the present invention. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples. In addition, the terms "first," "second," and "third" are used for descriptive purposes only and should not be construed as indicating or implying relative importance. Furthermore, those skilled in the art can combine and integrate the different embodiments or examples described in this specification, as well as the features of different embodiments or examples, without contradiction.

[0055] Figure 1 A schematic flowchart of a scan-to-pay method 1000 executed in a smart device according to an embodiment of the present invention is shown. Figure 1 As shown, method 1000 includes the following steps:

[0056] In step S110, the broadcast messages of the tag device bound to the payment terminal are monitored;

[0057] In step S120, after receiving the broadcast message, a payment voucher request is sent to the tag device via short-range communication, enabling the payment terminal to obtain the payment voucher and submit a payment request containing the payment voucher; and

[0058] In step S130, the payment result associated with the payment request is received.

[0059] In the context of this invention, "smart device" refers to a device with payment functionality, capable of displaying a payment code (e.g., a static payment QR code) to execute subsequent payment processes via scanning. In one or more embodiments, the smart device may be a smartphone, smartwatch, iPad, etc.

[0060] As described in step S110, the smart device listens for broadcast messages from the tag device bound to the payment terminal. In one or more embodiments, the tag device is a passive tag. Here, a passive tag can also be called a passive IoT tag, which does not have an internal battery. The so-called "passive IoT" is essentially a passive terminal node; it does not have a power cord or a built-in battery, but obtains energy from the environment. For example, a passive IoT terminal captures and collects energy by collecting radio waves emitted from the network side, thereby completing data collection, transmission, and distributed computing.

[0061] The tag device can draw power from the smart device to operate. For example, when the tag device is within a certain range of the smart device, it draws power from the radio frequency energy emitted by the smart device (such as radio waves transmitted from the network side), while when the tag device is outside a certain range of the smart device, it is in a passive state.

[0062] In the context of this invention, the tag device is bound to a payment terminal. In other words, there is a correspondence between the tag device and the payment terminal. In one embodiment, one tag device corresponds to one payment terminal, that is, it is dedicated to a specific payment terminal in order to generate payment vouchers. In another embodiment, one tag device may also correspond to multiple payment terminals.

[0063] In step S120, after the smart device receives the broadcast message from the tag device, it sends a payment voucher request to the tag device based on a short-range communication method, enabling the payment terminal to obtain the payment voucher and send a payment request containing the payment voucher. Here, the "short-range communication method" may include, but is not limited to, low-power short-range communication methods such as Bluetooth and Wi-Fi.

[0064] In one embodiment, step S120 includes: sending an application for the payment credential to the tag device, the payment credential indicating that the current transaction is a face-to-face transaction; receiving the payment credential from the tag device; and generating a payment code based on the payment credential, for the receiving terminal to scan the payment code to obtain the payment credential contained in the payment code.

[0065] For example, after receiving the broadcast information from the tag, the payment app sends information such as the tag ID, counter, payment app ID, and payment account ID to the IoT tag to request a face-to-face payment credential. Next, the IoT tag verifies the tag ID and counter. If the verification is successful, it performs a hash operation on the tag ID, payment app ID, and payment account ID to obtain the face-to-face payment credential, which is then returned to the payment app. Then, the payment app generates a payment barcode / QR code using the payment account and the face-to-face payment credential. Finally, the payment terminal enters the payment amount, scans the payment code to construct a payment invoice message, which includes, but is not limited to, the unique identifier of the payment terminal, the payment amount, the acquiring institution ID, the tag ID, the payment app ID, the payment account ID, and the face-to-face payment credential, and is then uploaded to the payment service platform institution (i.e., the payment server backend).

[0066] In step S130, the payment result associated with the payment request is received. In one embodiment, the payment result is received from the payment server backend. For example, after receiving the payment request (which includes face-to-face payment voucher information), the payment server backend verifies the face-to-face payment voucher and completes the payment, and then returns the payment result to the payment APP backend and the payment terminal.

[0067] In one embodiment, although Figure 1 As not shown in the diagram, the method 1000 described above may further include: before sending an application for a payment voucher to the tag device based on short-range communication (i.e., step S120), displaying a payment code for the receiving terminal to scan the payment code and correspondingly send an activation message to the tag device. This embodiment allows the tag device to be activated only after receiving an activation message from the receiving terminal, without needing to remain in an active state at all times.

[0068] In the above embodiments, step S120 may include: sending an application for the payment credential to the tag device, causing the tag device to return the payment credential to the payment terminal; and receiving a notification of successful application from the tag device. That is, in the above embodiments, the tag device (e.g., an IoT tag) can directly interact with the payment terminal to transmit the payment credential, i.e., the tag device directly returns the payment credential to the payment terminal.

[0069] In one embodiment, the message broadcast by the tag device may include a tag ID and a counter. The application for the payment credential includes the tag ID, the counter, the payment application ID, and the payment account ID. In one embodiment, the payment credential is obtained by hashing the tag ID, the payment application ID, and the payment account ID.

[0070] Figure 2 A schematic flowchart of a scan-to-pay method 2000 executed in a smart device according to another embodiment of the present invention is shown. Figure 2 As shown, method 2000 includes the following steps:

[0071] In step S210, a payment code is displayed and a payment request broadcast is initiated, wherein the payment code includes the unique ID of the smart device, enabling the receiving terminal to obtain the unique ID after scanning the displayed payment code;

[0072] In step S220, a response message is received from the tag device corresponding to the payment terminal and a connection is established with it, wherein the tag device listens for broadcast messages of the smart device based on the unique ID received from the payment terminal;

[0073] In step S230, a payment voucher request is sent to the tag device via short-range communication, enabling the payment terminal to obtain the payment voucher and submit a payment request containing the payment voucher; and

[0074] In step S240, the payment result associated with the payment request is received.

[0075] In the context of this invention, a "unique ID" refers to an identifier that can uniquely represent a smart device. In one or more embodiments, the unique ID is a mobile phone Bluetooth MAC address.

[0076] Considering that merchants often have multiple payment terminals and there are many Bluetooth devices in actual scenarios, smart devices may not be able to determine which (Bluetooth) tag device they are interacting with. Therefore, in the above embodiments of the present invention, the smart device first displays a payment code (including a unique ID), and then transmits the unique ID (e.g., mobile phone Bluetooth MAC) to the tag device via the payment terminal through the payment code. After receiving the unique ID, the tag device can listen for broadcast messages from the smart device based on the unique ID, and then send a response message to the smart device to establish a connection. Therefore, the scan-to-pay method 2000 in the above embodiments essentially adopts a foreground push approach.

[0077] In the context of this invention, "smart device" refers to a device with payment functionality, capable of displaying a payment code (e.g., a static payment QR code) to execute subsequent payment processes via scanning. In one or more embodiments, the smart device may be a smartphone, smartwatch, iPad, etc.

[0078] In one or more embodiments, the tag device is a passive tag. Here, a passive tag may also be called a passive IoT tag, which does not have an internal battery. The so-called "passive IoT" is essentially a passive terminal node. They do not have power cords or built-in batteries, but obtain energy from the environment. For example, in IoT based on radio electromagnetic energy capture technology, passive IoT terminals capture and collect energy by collecting radio waves emitted from the network side, thereby completing data collection, transmission and distributed computing.

[0079] The tag device can draw power from the smart device to operate. For example, when the tag device is within a certain range of the smart device, it draws power from the radio frequency energy emitted by the smart device (such as radio waves transmitted from the network side), while when the tag device is outside a certain range of the smart device, it is in a passive state.

[0080] In the context of this invention, the tag device is bound to a payment terminal. In other words, there is a correspondence between the tag device and the payment terminal. In one embodiment, one tag device corresponds to one payment terminal, that is, it is dedicated to a specific payment terminal in order to generate payment vouchers. In another embodiment, one tag device may also correspond to multiple payment terminals.

[0081] Furthermore, in the context of this invention, "short-range communication method" may include, but is not limited to, low-power short-range communication methods such as Bluetooth and Wi-Fi.

[0082] In one embodiment, step S230 includes: sending an application for the payment credential to the tag device, causing the tag device to return the payment credential to the payment terminal; and receiving a notification of successful application from the tag device.

[0083] Figure 3 A flowchart illustrating a scan-to-pay method 3000 executed in a smart device according to yet another embodiment of the present invention is shown. Figure 3 As shown, method 3000 includes the following steps:

[0084] In step S310, the payment code is displayed, so that the payment terminal sends a payment bill to the payment server backend after scanning the payment code;

[0085] In step S320, tag information corresponding to the tag device bound to the payment terminal is received from the payment server backend;

[0086] In step S330, the broadcast messages of the tag device are monitored based on the received tag information;

[0087] In step S340, after receiving the broadcast message, an application for a payment voucher is sent to the tag device based on short-range communication.

[0088] In step S350, the payment voucher is received from the tag device;

[0089] In step S360, the payment credential is sent to the payment application backend, causing the payment application backend to forward the payment credential to the payment server backend; and

[0090] In step S370, after the payment voucher is verified in the background of the payment server, the payment result is received from the payment server.

[0091] The above-described scanning payment method 3000 and Figure 2The scan-to-pay method shown in Figure 2000 differs from the traditional method, employing a background push approach (rather than a "foreground push" approach). This means the payment server backend pushes the IoT tag's Bluetooth MAC address to the payment application (or payment app) via the payment application backend. Under this solution, the receiving terminal requires no software / hardware modifications; the modifications primarily focus on the payment application backend and the acquiring institution's backend.

[0092] In the context of this invention, "tag information" refers to information corresponding to a tag device. In one embodiment, the tag information can uniquely identify the tag device, for example, as a tag MAC (Media Access Control Address) and a tag ID.

[0093] In addition, the scanned payment method 3000 and Figure 1 The difference between the scan-to-pay method 1000 and the scan-to-pay method 3000 is that the smart device (rather than the payment terminal) provides the payment credential to the payment server backend through the payment application backend.

[0094] Through the description of the various embodiments above, those skilled in the art can clearly understand that each embodiment can be implemented by means of software plus necessary general-purpose hardware platforms, and of course, it can also be implemented by hardware. Based on this understanding, the above technical solutions, in essence or the parts that contribute to the prior art, can be embodied in the form of a software product. This computer software product can be stored in a computer-readable storage medium, which includes any mechanism for storing or transmitting information in a computer-readable form. For example, machine-readable media include read-only memory (ROM), random access memory (RAM), disk storage media, optical storage media, flash storage media, electrical, optical, acoustic, or other forms of propagation signals (e.g., carrier waves, infrared signals, digital signals, etc.). The computer software product includes several instructions to cause a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the various embodiments or some parts of the embodiments.

[0095] Figure 4 A schematic diagram of a scanned payment device 4000 according to an embodiment of the present invention is shown. Figure 4 As shown, the scanned payment device 4000 includes: a listening device 410, a sending device 420, and a receiving device 430. The listening device 410 is used to listen for broadcast messages from a tag device bound to the payment terminal; the sending device 420, upon receiving the broadcast message, sends a payment voucher request to the tag device using short-range communication, enabling the payment terminal to obtain the payment voucher and submit a payment request containing the payment voucher; and the receiving device 430 receives the payment result associated with the payment request.

[0096] In the context of this invention, "smart device" refers to a device with payment functionality, capable of displaying a payment code (e.g., a static payment QR code) to execute subsequent payment processes via scanning. In one or more embodiments, the smart device may be a smartphone, smartwatch, iPad, etc.

[0097] The listening device 410 is used to listen to broadcast messages from the tag device bound to the payment terminal. In one or more embodiments, the tag device is a passive tag. Here, a passive tag can also be called a passive IoT tag, which does not have an internal battery. The so-called "passive IoT" is essentially that the terminal nodes are passive; they do not have power cords or built-in batteries, but obtain energy from the environment. For example, passive IoT terminals capture and collect energy by collecting radio waves emitted from the network side, thereby completing data collection, transmission, and distributed computing.

[0098] The tag device can draw power from the smart device to operate. For example, when the tag device is within a certain range of the smart device, it draws power from the radio frequency energy emitted by the smart device (such as radio waves transmitted from the network side), while when the tag device is outside a certain range of the smart device, it is in a passive state.

[0099] In the context of this invention, the tag device is bound to a payment terminal. In other words, there is a correspondence between the tag device and the payment terminal. In one embodiment, one tag device corresponds to one payment terminal, that is, it is dedicated to a specific payment terminal in order to generate payment vouchers. In another embodiment, one tag device may also correspond to multiple payment terminals.

[0100] After the smart device receives the broadcast message from the tag device, the sending device 420 is configured to send a payment voucher request to the tag device based on a short-range communication method, enabling the payment terminal to obtain the payment voucher and send a payment request containing the payment voucher. Here, the "short-range communication method" may include, but is not limited to, low-power short-range communication methods such as Bluetooth and Wi-Fi.

[0101] In one embodiment, the sending device 420 includes: a first sending unit for sending an application for the payment credential to the tag device, the payment credential indicating that the current transaction is a face-to-face transaction; a first receiving unit for receiving the payment credential from the tag device; and a generating unit for generating a payment code based on the payment credential, so that the payment terminal can scan the payment code to obtain the payment credential contained in the payment code.

[0102] The receiving device 430 is used to receive the payment result associated with the payment request. In one embodiment, the receiving device 430 is configured to receive the payment result from a payment server backend. For example, after receiving a payment request (which includes face-to-face payment voucher information), the payment server backend verifies the face-to-face payment voucher and completes the payment, and then returns the payment result to the payment APP backend and the payment terminal.

[0103] In one embodiment, although Figure 4 As not shown, the scanned payment device 4000 may further include: a display device for displaying a payment code before sending an application for a payment credential to the tag device via short-range communication, so that the receiving terminal can scan the payment code and send an activation message to the tag device accordingly. In this way, the tag device does not need to remain in an active state at all times, but only activates after receiving the activation message from the receiving terminal.

[0104] In the above embodiments, the sending device 420 may include: a second sending unit, configured to send an application for the payment voucher to the tag device, causing the tag device to return the payment voucher to the payment terminal; and a second receiving unit, configured to receive a notification of successful application from the tag device. That is, in the above embodiments, the tag device (e.g., an IoT tag) can directly interact with the payment terminal to transmit the payment voucher, i.e., the tag device directly returns the payment voucher to the payment terminal without first transmitting it to the smart device (it only needs to notify the smart device that the application was successful).

[0105] In one embodiment, the message broadcast by the tag device may include a tag ID and a counter. The application for the payment credential includes the tag ID, the counter, the payment application ID, and the payment account ID. In one embodiment, the payment credential is obtained by hashing the tag ID, the payment application ID, and the payment account ID.

[0106] Figure 5 A schematic diagram of the structure of a scanned payment device 5000 according to another embodiment of the present invention is shown. Figure 5As shown, the scanned payment device 5000 includes: a display device 510, a first receiving device 520, a sending device 530, and a second receiving device 540. The display device 510 displays a payment code and initiates a payment request broadcast, wherein the payment code includes the unique ID of the smart device, enabling the payment terminal to obtain the unique ID after scanning the displayed payment code. The first receiving device 520 receives a response message from a tag device corresponding to the payment terminal and establishes a connection with it, wherein the tag device listens for the broadcast message of the smart device based on the unique ID received from the payment terminal. The sending device 530 sends a payment voucher request to the tag device using short-range communication, enabling the payment terminal to obtain the payment voucher and submit a payment request containing the payment voucher. The second receiving device 540 receives the payment result associated with the payment request.

[0107] In the context of this invention, a "unique ID" refers to an identifier that can uniquely represent a smart device. In one or more embodiments, the unique ID is a mobile phone Bluetooth MAC address.

[0108] Considering that merchants often have multiple payment terminals and there are many Bluetooth devices in actual scenarios, smart devices may not be able to determine which (Bluetooth) tag device they are interacting with. Therefore, in the above embodiments of the present invention, the payment code (including a unique ID) is first displayed by the display device 510, and then the unique ID (e.g., the mobile phone's Bluetooth MAC) is transmitted to the tag device via the payment terminal through the payment code. After receiving the unique ID, the tag device can listen for broadcast messages from the smart device based on the unique ID, and then send a response message to the smart device to establish a connection. Therefore, the scanned payment device 5000 in the above embodiments essentially adopts a foreground push method.

[0109] In one or more embodiments, the tag device is a passive tag. Here, a passive tag may also be called a passive IoT tag, which does not have an internal battery. The so-called "passive IoT" is essentially a passive terminal node. They do not have power cords or built-in batteries, but obtain energy from the environment. For example, in IoT based on radio electromagnetic energy capture technology, passive IoT terminals capture and collect energy by collecting radio waves emitted from the network side, thereby completing data collection, transmission and distributed computing.

[0110] The tag device can draw power from the smart device to operate. For example, when the tag device is within a certain range of the smart device, it draws power from the radio frequency energy emitted by the smart device (such as radio waves transmitted from the network side), while when the tag device is outside a certain range of the smart device, it is in a passive state.

[0111] In the context of this invention, the tag device is bound to a payment terminal. In other words, there is a correspondence between the tag device and the payment terminal. In one embodiment, one tag device corresponds to one payment terminal, that is, it is dedicated to a specific payment terminal in order to generate payment vouchers. In another embodiment, one tag device may also correspond to multiple payment terminals.

[0112] Furthermore, in the context of this invention, "short-range communication method" may include, but is not limited to, low-power short-range communication methods such as Bluetooth and Wi-Fi.

[0113] In one embodiment, the sending device 530 includes: a sending unit for sending an application for the payment voucher to the tag device, causing the tag device to return the payment voucher to the payment terminal; and a receiving unit for receiving a notification of successful application from the tag device.

[0114] Figure 6 A schematic diagram of the structure of a scanned payment device 6000 according to yet another embodiment of the present invention is shown. Figure 6 As shown, the scanned payment device 6000 includes: a display device 610, a first receiving device 620, a listening device 630, a first sending device 640, a second receiving device 650, a second sending device 660, and a third receiving device 670. Specifically, the display device 610 displays a payment code, enabling the payment terminal to send a payment bill to the payment server backend after scanning the payment code; the first receiving device 620 receives tag information corresponding to the tag device bound to the payment terminal from the payment server backend; the listening device 630 listens for broadcast messages from the tag device based on the received tag information; the first sending device 640, upon receiving the broadcast message, sends a payment voucher request to the tag device using short-range communication; the second receiving device 650 receives the payment voucher from the tag device; the second sending device 660 sends the payment voucher to the payment application backend, causing the payment application backend to forward the payment voucher to the payment server backend; and the third receiving device 670 receives the payment result from the payment server after the payment server backend verifies the payment voucher.

[0115] The scanned payment device 6000 in the above embodiments and Figure 5 The scanned payment device 5000 shown is different; the scanned payment device 6000 uses a background push method (rather than a "foreground push" method). The payment server backend pushes the IoT tag's Bluetooth MAC address to the payment application (or payment APP) via the payment application backend. Under this solution, the receiving terminal does not require any software / hardware modifications; the modifications are mainly concentrated in the payment application backend and the acquiring institution's backend.

[0116] In the context of this invention, "tag information" refers to information corresponding to a tag device. In one embodiment, the tag information can uniquely identify the tag device, for example, as a tag MAC (Media Access Control Address) and a tag ID.

[0117] In addition, the 6000 scanned payment device and Figure 4 The difference between the scanned payment device 4000 and the scanned payment device 6000 is that the payment credential is provided to the payment server backend by the second sending device 660 (not the receiving terminal) via the payment application backend.

[0118] Figure 7 A schematic diagram of the structure of a passive tag 7000 according to an embodiment of the present invention is shown. Figure 7 As shown, the passive tag 7000 includes a communication module 710, a control module 720, and an environmental energy conversion module 730. The communication module 710 interacts with the scanned payment device (e.g., scanned payment devices 4000, 5000, and 6000) via short-range communication; the control module 720 generates payment credentials; and the environmental energy conversion module 730 obtains the energy required by the passive tag from an environmental energy source.

[0119] For example, the passive tag 7000 provides security verification services when the payment device scans a static QR code for offline payment. The communication module 710 is responsible for communication with the payment device, including but not limited to low-power, short-range communication methods such as Bluetooth and Wi-Fi. The control module 720 is responsible for access token verification, payment credential generation, and the storage and calculation of payment-related keys. The environmental energy conversion module 730 obtains the required power from various environmental energy sources (micro-light energy, temperature gradient, radio frequency, vibration, etc.), and the collected energy is optimized and stored by a micro-energy management chip, solving the device's self-powering problem.

[0120] In one embodiment, although Figure 7 As not shown in the diagram, the passive tag 7000 may further include: a first receiving module for receiving an activation message from the payment terminal. In one embodiment, the passive tag 7000 may further include: a first sending module for sending the payment credential to the payment terminal based on an application from the scanned payment device; and a second sending module for sending a notification to the scanned payment device to indicate that the application was successful.

[0121] In one embodiment, the passive tag 7000 may further include: a second receiving module for receiving a mobile phone Bluetooth MAC from the payment terminal; and a listening module for listening to broadcast messages from a mobile phone corresponding to the mobile phone Bluetooth MAC. In one or more embodiments, when the listening module detects the broadcast message, the communication module is configured to send a response message to the scanned payment device to establish a connection with the scanned payment device.

[0122] Figure 8 A schematic diagram of the structure of a payment server backend 8000 according to an embodiment of the present invention is shown. Figure 8 The payment server backend 8000 includes a payment device interaction module 810 and a verification module 820. The payment device interaction module 810 interacts with the scanned payment device to obtain a payment credential; and the verification module 820 verifies the payment credential to complete the payment.

[0123] It should be noted that the device embodiments described above are merely illustrative. The modules described as separate components may not be physically separate; they may be located in one place or distributed across multiple network modules. Some or all of the modules can be selected to achieve the purpose of this embodiment according to actual needs. Those skilled in the art can understand and implement this without any creative effort.

[0124] Figure 9 An architecture diagram of a secure payment system based on IoT tags in scanned mode according to an embodiment of the present invention is shown. Figure 9 As shown, the secure payment system based on IoT tags in the scan-to-pay mode consists of IoT tags, a QR code payment terminal, a smart device (payment app), a payment application backend, and a payment server backend. The QR code payment terminal scans the payment barcode or QR code displayed on the smart device, and the smart device (payment app) interacts with the IoT tag to obtain a face-to-face payment credential. The payment terminal then sends the payment credential and payment bill to the payment server backend, where the backend verifies the credential (e.g., determines if the transaction is a face-to-face transaction) and completes the payment. The payment result is then returned to the smart device via the payment application backend.

[0125] In one embodiment, Figure 9The IoT tag in the device includes a communication module, an MCU module, and an energy conversion module, providing security verification services when the payment device scans the payment code. The communication module is responsible for communication with the payment device, including but not limited to low-power, short-range communication methods such as Bluetooth and Wi-Fi; the MCU module is responsible for access token verification, payment credential generation, and storage and calculation of payment-related keys; the environmental energy conversion module obtains the required power from various environmental energy sources (micro-light energy, temperature gradient, radio frequency, vibration, etc.), and the collected energy is optimized and stored by a micro-energy management chip, solving the device's self-powering problem.

[0126] Figure 10 A schematic diagram of a secure payment method based on an IoT tag in scanned mode according to an embodiment of the present invention is shown. This secure payment method transmits face-to-face payment credentials through a payment code generated by a payment app. The core logic is to upload the face-to-face payment credentials generated by the interaction between the payment app and the IoT tag (bound to the payment terminal) along with the payment account to the payment app's backend. The payment app's backend then generates a payment barcode / QR code that simultaneously carries the payment account and the face-to-face payment credentials, which is then obtained by the scanning payment terminal through scanning. In this scheme, the IoT tag can be externally mounted on the scanning payment terminal without requiring hardware modifications.

[0127] Continue to refer to Figure 10 The user clicks the payment button in the payment app, which then activates the phone's Bluetooth to enter listening mode. Next, the IoT tag bound to the payment terminal periodically broadcasts tag information (including tag ID and counter). Upon receiving this broadcast, the payment app sends the tag ID, counter, payment app ID, and payment account ID to the IoT tag to request a face-to-face payment credential. The IoT tag then verifies the tag ID and counter; if successful, it performs a hash operation on the tag ID, payment app ID, and payment account ID to obtain the face-to-face payment credential, which is returned to the payment app. The payment app then generates a payment barcode / QR code using the payment account and the face-to-face payment credential. The payment terminal then enters the payment amount, scans the payment code to construct a payment invoice message (this message includes, but is not limited to, the payment terminal's unique identifier, payment amount, acquiring institution ID, tag ID, payment app ID, payment account ID, and face-to-face payment credential), and uploads it to the payment service platform. Upon receiving the message, the payment service platform verifies the face-to-face payment credential and completes the payment. Finally, the payment service platform returns the payment result to the payment app's backend and the payment terminal.

[0128] Figure 11 A schematic diagram of a secure payment method based on an IoT tag in scanned mode, according to another embodiment of the present invention, is shown. Figure 11In the secure payment method shown, the IoT tag directly interacts with the payment terminal to transmit the face-to-face payment voucher. The core logic is that the face-to-face payment voucher generated by the interaction between the payment app and the IoT tag (bound to the payment terminal) is directly returned to the payment terminal by the IoT tag.

[0129] Continue to refer to Figure 11 The user clicks the payment button in the payment app, which displays a payment code and uses the phone's Bluetooth to listen for broadcast information from the tag. Next, the QR code payment terminal scans this payment code to read the barcode or QR code data. Then, the QR code payment terminal sends a tag activation message to the IoT tag. Upon receiving the activation message, the IoT tag (bound to the payment terminal) broadcasts its information (including the tag ID and counter). The payment app then receives the tag broadcast information and sends its tag ID, counter, payment app ID, and payment account ID to the IoT tag to request a face-to-face payment credential. The IoT tag then verifies the tag ID and counter. If verification is successful, it performs a hash operation on the tag ID, payment app ID, and payment account ID to obtain the face-to-face payment credential and returns it to the QR code payment terminal, notifying the payment app that the application was successful. Finally, the payment terminal constructs a payment invoice message (including but not limited to the payment terminal's unique identifier, payment amount, acquiring institution ID, tag ID, payment app ID, payment account ID, and face-to-face payment credential) and sends it to the payment service platform institution. After receiving the message, the payment service platform verifies the face-to-face payment voucher and completes the payment. Finally, the payment service platform returns the payment result to the payment app backend and the payment terminal.

[0130] Figure 12 A schematic diagram of a secure payment method based on an IoT tag in scanned mode according to another embodiment of the present invention is shown. This secure payment method solves the problem of mutual identification between smart devices (e.g., mobile phones) and tag devices by using a front-end push method, i.e., transmitting the mobile phone's Bluetooth MAC address via the payment code to the tag through the payment terminal.

[0131] refer to Figure 12When a user clicks the payment button in the payment app, the app displays a payment code based on the payment token and the phone's Bluetooth MAC address, and initiates a payment request broadcast. Next, the QR code payment terminal scans this payment code to read the barcode or QR code data. Then, the QR code payment terminal transmits the phone's Bluetooth MAC address to the IoT tag. Upon receiving the phone's Bluetooth MAC address, the IoT tag (bound to the payment terminal) listens for the broadcast message corresponding to that MAC address and sends a response message to the corresponding payment app to establish a connection. Then, the payment app sends information such as the tag ID, counter, payment app ID, and payment account ID to the IoT tag to request a face-to-face payment credential. Subsequently, the IoT tag verifies the tag ID and counter. If the verification is successful, it performs a hash operation on the tag ID, payment app ID, and payment account ID to obtain the face-to-face payment credential and returns it to the QR code payment terminal, notifying the payment app that the request was successful. Next, the payment terminal constructs a payment invoice message (which includes, but is not limited to, the payment terminal's unique identifier, the payment amount, the acquiring institution ID, the tag ID, the payment app ID, the payment account ID, and the face-to-face payment voucher) and sends it to the payment service platform. Upon receiving the message, the payment service platform verifies the face-to-face payment voucher and completes the payment. Finally, the payment service platform returns the payment result to the payment app backend and the payment terminal.

[0132] Figure 13 A schematic diagram of a secure payment method based on an IoT tag in scanned mode according to another embodiment of the present invention is shown. This secure payment method solves the problem of mutual identification between smart devices (e.g., mobile phones) and the tag device by pushing the IoT tag's Bluetooth MAC address from the payment service platform to the payment app via the payment app's backend. Under this solution, the receiving terminal does not require software / hardware modifications; the modifications are mainly concentrated in the payment app's backend and the acquiring institution's backend.

[0133] like Figure 13As shown, the user clicks the payment button in the payment app, which then displays a payment code. The QR code payment terminal then scans this code to read the barcode or QR code data. Next, the QR code payment terminal sends a payment bill to the payment service platform. Upon receiving the payment bill, the payment service platform returns the tag MAC address and tag ID to the payment app via the payment app platform (i.e., the payment application platform). Subsequently, the payment app, based on the received tag MAC address and tag ID, uses Bluetooth to listen for tag broadcast messages. Upon receiving the broadcast message, the payment app sends the tag ID, counter, payment app ID, and payment account ID to the IoT tag to request a face-to-face payment credential. The IoT tag then verifies the tag ID and counter; if verification is successful, it performs a hash operation on the tag ID, payment app ID, and payment account ID to obtain the face-to-face payment credential and returns it to the payment app. Figures 10 to 12 Unlike other implementations, after receiving the payment voucher, the payment app returns the voucher to the payment service platform via its backend. Upon receiving the voucher, the payment service platform verifies the face-to-face payment voucher and completes the payment. Finally, the payment service platform returns the payment result to the payment app's backend and the payment terminal.

[0134] In summary, the scan-to-pay scheme implemented in a smart device according to embodiments of the present invention interacts with the smart device (e.g., a payment app) and the tag device (bound to the payment terminal) to generate a payment voucher (face-to-face payment voucher). Finally, the payment terminal uploads this payment voucher along with the payment bill to the payment server backend, where the payment server backend verifies and completes the payment, and the payment result is received from the payment server backend. This technical solution ensures that the payment code is associated with the payment terminal within a valid timeframe, guaranteeing that the transaction is conducted face-to-face, improving transaction authenticity and security, and preventing arbitrage through online dissemination of payment codes, thereby enhancing the risk control capabilities of payment transactions. Simultaneously, the entire scan-to-pay process maintains consistency with existing QR code payment experiences and does not negatively impact user experience.

[0135] Furthermore, the passive tags provided by one or more embodiments of the present invention can collect radio waves transmitted from the network side, capture and collect energy, thereby completing the corresponding computing and transmission tasks without the need for additional batteries or external power supplies.

[0136] This application is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of this application. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0137] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0138] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0139] Although preferred embodiments of this application have been described, those skilled in the art, upon learning the basic inventive concept, can make other changes and modifications to these embodiments. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments as well as all changes and modifications falling within the scope of this application. Clearly, those skilled in the art can make various alterations and variations to this application without departing from its spirit and scope. Thus, if such modifications and variations fall within the scope of the claims of this application and their equivalents, this application also intends to include such modifications and variations.

Claims

1. A method for performing a payment by scanning, executed in a smart device, characterized in that, The method comprises: The intelligent device listens to a broadcast message of a label device bound to a collection terminal; After receiving the broadcast message, the intelligent device sends an application for a payment credential to the label device based on short-distance communication, so that the collection terminal can obtain the payment credential and submit a payment request containing the payment credential, wherein the payment credential indicates that the current transaction is a face-to-face transaction; and The intelligent device receives a payment result associated with the payment request.

2. The method of claim 1, wherein, After receiving the broadcast message, the intelligent device sends an application for a payment credential to the label device based on short-distance communication, so that the collection terminal can obtain the payment credential and submit a payment request containing the payment credential, wherein the payment credential indicates that the current transaction is a face-to-face transaction; and The intelligent device sends the application for the payment credential to the label device; The intelligent device receives the payment credential from the label device; and The intelligent device generates a payment code based on the payment credential, so that the collection terminal scans the payment code to obtain the payment credential contained in the payment code.

3. The method of claim 1, further comprising: Before the intelligent device sends an application for a payment credential to the label device based on short-distance communication, the intelligent device displays a payment code, so that the collection terminal scans the payment code and sends a start message to the label device accordingly.

4. The method of claim 3, wherein, After receiving the broadcast message, the intelligent device sends an application for a payment credential to the label device based on short-distance communication, so that the collection terminal can obtain the payment credential and submit a payment request containing the payment credential, wherein the payment credential indicates that the current transaction is a face-to-face transaction; and The intelligent device sends the application for the payment credential to the label device, so that the label device returns the payment credential to the collection terminal; and The intelligent device receives a notification of application success from the label device.

5. The method of claim 1, wherein, The broadcast message comprises a label ID and a counter.

6. The method of claim 5, wherein, The application for the payment credential comprises the label ID, the counter, a payment application ID, and a payment account ID.

7. The method of claim 6, wherein, The payment credential is obtained by hashing the label ID, the payment application ID, and the payment account ID. 8.A method for performing a payment by scanning, executed in a smart device, the method comprising: The method comprises: The intelligent device displays a payment code and starts a payment request broadcast, wherein the payment code comprises a unique ID of the intelligent device, so that the collection terminal can obtain the unique ID after scanning the displayed payment code; The intelligent device receives a response message from a label device corresponding to the collection terminal and establishes a connection therewith, wherein the label device listens to a broadcast message of the intelligent device based on the unique ID received from the collection terminal; The intelligent device sends an application for a payment credential to the label device based on short-distance communication, so that the collection terminal can obtain the payment credential and submit a payment request containing the payment credential, wherein the payment credential indicates that the current transaction is a face-to-face transaction; and The intelligent device receives a payment result associated with the payment request.

9. The method of claim 8, wherein, The unique ID is a mobile phone Bluetooth MAC.

10. The method of claim 8, wherein, The smart device sends an application for a payment credential to the tag device based on a short-distance communication mode, so that the payment terminal can obtain the payment credential and send a payment request containing the payment credential. The smart device sends an application for a payment credential to the tag device, so that the tag device returns the payment credential to the payment terminal; and The smart device receives a notification of application success from the tag device. 11.A method of performing a payment by scanning, executed in a smart device, the method comprising: The method comprises: The smart device displays a payment code, so that the payment terminal sends a payment bill to a payment server background after scanning the payment code; The smart device receives tag information corresponding to a tag device bound to the payment terminal from the payment server background; The smart device listens to a broadcast message of the tag device according to the received tag information; After receiving the broadcast message, the smart device sends an application for a payment credential to the tag device based on a short-distance communication mode; The smart device receives the payment credential from the tag device, wherein the payment credential indicates that the current transaction is a face-to-face transaction; The smart device sends the payment credential to a payment application background, so that the payment application background forwards the payment credential to the payment server background; and After the payment server background verifies the payment credential, the smart device receives a payment result from the payment server.

12. The method of claim 11, wherein, The tag information comprises a tag MAC and a tag ID.

13. A payment scanning device, comprising: The device comprises: A listening device for listening to a broadcast message of a tag device bound to a payment terminal; A sending device for sending an application for a payment credential to the tag device based on a short-distance communication mode after receiving the broadcast message, so that the payment terminal can obtain the payment credential and send a payment request containing the payment credential, wherein the payment credential indicates that the current transaction is a face-to-face transaction; and A receiving device for receiving a payment result associated with the payment request.

14. The apparatus of claim 13, wherein, The sending device comprises: A first sending unit for sending an application for a payment credential to the tag device; A first receiving unit for receiving the payment credential from the tag device; and A generating unit for generating a payment code based on the payment credential, so that the payment terminal scans the payment code to obtain the payment credential contained in the payment code.

15. The device of claim 13, further comprising: A display device for displaying a payment code before sending an application for a payment credential to the tag device based on a short-distance communication mode, so that the payment terminal scans the payment code and sends a start message to the tag device accordingly.

16. The apparatus of claim 15, wherein, The sending device comprises: A second sending unit for sending an application for a payment credential to the tag device, so that the tag device returns the payment credential to the payment terminal; and A second receiving unit for receiving a notification of application success from the tag device.

17. The apparatus of claim 13, wherein, The broadcast message comprises a tag ID and a counter.

18. The apparatus of claim 17, wherein, The application for a payment credential comprises the tag ID, the counter, a payment application ID, and a payment account ID.

19. The apparatus of claim 18, wherein, The payment credential is obtained by hashing the tag ID, the payment application ID, and the payment account ID.

20. A payment scanning device, comprising: The device comprises: a display device for displaying a payment code and starting a payment request broadcast, wherein the payment code comprises a unique ID of the smart device, so that the payment terminal can obtain the unique ID after scanning the displayed payment code; a first receiving device for receiving a response message from a tag device corresponding to the payment terminal and establishing a connection therewith, wherein the tag device listens to a broadcast message of the smart device based on the unique ID received from the payment terminal; a sending device for sending an application for a payment credential to the tag device based on a short-distance communication mode, so that the payment terminal can obtain the payment credential and send a payment request containing the payment credential, wherein the payment credential indicates that the current transaction is a face-to-face transaction; and a second receiving device for receiving a payment result associated with the payment request.

21. The apparatus of claim 20, wherein, The unique ID is a mobile phone Bluetooth MAC.

22. The apparatus of claim 20, wherein, The sending device comprises: a sending unit for sending an application for a payment credential to the tag device, so that the tag device returns the payment credential to the payment terminal; and a receiving unit for receiving a notification of successful application from the tag device.

23. A payment scanning device, comprising: The device comprises: a display device for displaying a payment code, so that the payment terminal sends a payment bill to a payment server background after scanning the payment code; a first receiving device for receiving tag information corresponding to a tag device bound to the payment terminal from the payment server background; a listening device for listening to a broadcast message of the tag device according to the received tag information; a first sending device for sending an application for a payment credential to the tag device based on a short-distance communication mode after receiving the broadcast message; a second receiving device for receiving the payment credential from the tag device, wherein the payment credential indicates that the current transaction is a face-to-face transaction; a second sending device for sending the payment credential to a payment application background, so that the payment application background forwards the payment credential to the payment server background; and a third receiving device for receiving a payment result from the payment server after the payment server background verifies the payment credential.

24. The apparatus of claim 23, wherein, The tag information comprises a tag MAC and a tag ID.

25. A passive tag, characterized by The passive tag comprises: a communication module for interacting with the scanned payment device according to any one of claims 13 to 24 based on a short-distance communication mode; a control module for generating a payment credential, wherein the payment credential indicates that the current transaction is a face-to-face transaction; and an environmental energy conversion module for obtaining energy required by the passive tag through an environmental energy source.

26. The passive tag of claim 25, further comprising: a first receiving module for receiving a start message from a payment terminal.

27. The passive tag of claim 26, further comprising: a first sending module for sending the payment credential to the payment terminal based on the application from the scanned payment device; and a second sending module for sending the payment credential to the payment terminal based on the application from the scanned payment device. The second sending module is configured to send a notification to the scanned payment device to indicate that the application is successful.

28. The passive tag of claim 25, further comprising: The second receiving module is configured to receive a mobile phone Bluetooth MAC from the collection terminal. and The listening module is configured to listen to a broadcast message of a mobile phone corresponding to the mobile phone Bluetooth MAC.

29. The passive tag of claim 28, wherein, When the listening module listens to the broadcast message, the communication module is configured to: send a response message to the scanned payment device to establish a connection with the scanned payment device.

30. A payment server backend, characterized by The payment server background comprises: The payment device interaction module is configured to interact with the scanned payment device of claim 23 or 24 to obtain a payment credential, wherein the payment credential indicates that the current transaction is a face-to-face transaction; and The verification module is configured to verify the payment credential to complete payment.

31. A computer storage medium, comprising, The medium comprises instructions, which, when executed, perform the method of any one of claims 1 to 12.

32. A computer program product comprising a computer program, characterized in that, The computer program, when executed by a processor, implements the method of any one of claims 1 to 12.

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