Payment method, apparatus, device, medium and product

Abstract

The application discloses a payment method, device, equipment, medium and product. The payment method comprises the following steps: in the case that it is determined that a mobile terminal exists in a target position area, acquiring terminal information corresponding to the mobile terminal, wherein the target position area is a safe payment area which is set based on networking of a plurality of UWB signal base stations; acquiring order information corresponding to the mobile terminal according to the terminal information; sending the order information to the mobile terminal, so that the mobile terminal determines a target payment mode based on the order information; receiving a payment request sent by the mobile terminal, wherein the payment request comprises the target payment mode; and in response to the payment request, performing payment processing on a to-be-paid order corresponding to the order information based on the target payment mode. According to the embodiment of the application, the payment operation process can be simplified, and the payment efficiency can be improved.

Description

TECHNICAL FIELD

[0001] The application belongs to the technical field of mobile payment, and particularly relates to a payment method, device, equipment, medium and product. BACKGROUND

[0002] With the continuous development of mobile payment technology, users more and more use mobile payment and other ways to pay in offline shopping scenes such as shopping malls and supermarkets.

[0003] Usually, in the offline payment process, the cashier mainly operates according to the payment method selected by the user in the cash desk, and then the user scans the collection code presented by the merchant or the merchant scans the payment code presented by the user to complete the payment process.

[0004] In this way, since the payment process needs the user to cooperate with the cashier, and the cashier operates the cash desk and specifies the payment method of the user, the payment operation process is cumbersome. In addition, if the cashier makes a mistake, the payment cannot continue, and needs to be re-operated, which will waste time and reduce the payment efficiency. SUMMARY

[0005] The application embodiment provides a payment method, device, equipment, medium and product, which can simplify the payment operation process and improve the payment efficiency.

[0006] In a first aspect, the application embodiment provides a payment method applied to a cash register system, wherein the cash register system includes a plurality of ultra-wideband (UWB) signal base stations. The method includes the following steps:

[0007] In a case where it is determined that a mobile terminal exists in a target position area, acquiring terminal information corresponding to the mobile terminal, wherein the target position area is a safe payment area set based on networking coverage of the plurality of UWB signal base stations;

[0008] Acquiring order information corresponding to the mobile terminal according to the terminal information;

[0009] Sending the order information to the mobile terminal, so that the mobile terminal determines a target payment method based on the order information;

[0010] Receiving a payment request sent by the mobile terminal, wherein the payment request includes the target payment method;

[0011] In response to the payment request, performing payment processing on a to-be-paid order corresponding to the order information based on the target payment method.

[0012] In a second aspect, the application embodiment provides a payment method applied to a mobile terminal, and the method includes the following steps:

[0013] In a case where the mobile terminal enters a target location area, terminal information of the mobile terminal is sent to a cash register system via a UWB signal base station, so that the cash register system acquires order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a secure payment area covered and set based on networking of the plurality of UWB signal base stations.

[0014] Receiving the order information sent by the cash register system.

[0015] Displaying the order information.

[0016] Receiving a first input of a user based on the order information.

[0017] In response to the first input, determining a target payment method.

[0018] Sending a payment request to the cash register system, the payment request including the target payment method, the payment request being used to instruct the cash register system to perform payment processing on a to-be-paid order corresponding to the order information based on the target payment method.

[0019] In a third aspect, an embodiment of the present application provides a payment device applied to a cash register system, the cash register system including a plurality of ultra-wideband (UWB) signal base stations, and the device includes:

[0020] An information acquisition module, configured to acquire terminal information corresponding to a mobile terminal in a case where the mobile terminal exists in a target location area, wherein the target location area is a secure payment area covered and set based on networking of the plurality of UWB signal base stations.

[0021] An order acquisition module, configured to acquire order information corresponding to the mobile terminal according to the terminal information.

[0022] An order sending module, configured to send the order information to the mobile terminal, so that the mobile terminal determines a target payment method based on the order information.

[0023] A request receiving module, configured to receive a payment request sent by the mobile terminal, the payment request including the target payment method.

[0024] An order payment module, configured to perform payment processing on a to-be-paid order corresponding to the order information based on the target payment method in response to the payment request.

[0025] In a fourth aspect, an embodiment of the present application provides a payment device applied to a mobile terminal, and the device includes:

[0026] The information sending module is configured to send terminal information of the mobile terminal to a cash register system via a UWB signal base station when the mobile terminal enters a target location area, so that the cash register system acquires order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a secure payment area covered by networking of the plurality of UWB signal base stations and set.

[0027] The order receiving module is configured to receive order information sent by the cash register system.

[0028] The order display module is configured to display the order information.

[0029] The input receiving module is configured to receive a first input of a user based on the order information.

[0030] The mode determining module is configured to determine a target payment mode in response to the first input.

[0031] The request sending module is configured to send a payment request to the cash register system, the payment request including the target payment mode, and the payment request being used to instruct the cash register system to perform payment processing on a to-be-paid order corresponding to the order information based on the target payment mode.

[0032] In a fifth aspect, an electronic device is provided, which includes a processor and a memory storing computer program instructions.

[0033] The processor, when executing the computer program instructions, implements the steps of the payment method in any embodiment of the first aspect.

[0034] In a sixth aspect, a cash register device is provided, which includes a processor and a memory storing computer program instructions.

[0035] The processor, when executing the computer program instructions, implements the steps of the payment method in any embodiment of the second aspect.

[0036] In a seventh aspect, a computer readable storage medium is provided, which stores computer program instructions, and the computer program instructions, when executed by a processor, implement the steps of the payment method in any embodiment of the first aspect or the second aspect.

[0037] In an eighth aspect, a computer program product is provided, and instructions in the computer program product are executed by a processor of an electronic device, so that the electronic device performs the steps of the payment method in any embodiment of the first aspect or the second aspect.

[0038] The payment method, device, equipment, medium and product provided in the embodiments of the present application set a target position area by using a plurality of UWB (Ultra Wide Band) signal base stations included in a cash register system, when a mobile terminal exists in the target position area, terminal information corresponding to the mobile terminal is acquired, and then corresponding order information is acquired based on the terminal information, the order information is sent to the mobile terminal for user confirmation, in this way, the user can determine a target payment method on the mobile terminal based on the order information, and initiate payment, and then when the cash register system receives a payment request sent by the mobile terminal, a payment process is performed on a to-be-paid order corresponding to the order information according to a target payment method included in the payment request. In this way, without any operation of a cashier on a cash register, selection of a payment method can be realized on the mobile terminal, and an order payment process is automatically completed, the payment operation process is simplified, and the payment efficiency is improved. BRIEF DESCRIPTION OF DRAWINGS

[0039] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required to be used in the embodiments of the present application will be briefly introduced, and other drawings can be obtained by those of ordinary skill in the art without creative labor on the premise that the drawings are not creative labor.

[0040] Figure 1 is an architecture diagram to which the payment method provided by the present application is applicable;

[0041] Figure 2a is a structural schematic diagram of a cash register system provided by the present application;

[0042] Figure 2b is a structural schematic diagram of a mobile terminal provided by the present application;

[0043] Figure 3 is a flowchart of a payment method provided by the embodiments of the present application;

[0044] Figure 4 is a flowchart of a payment method provided by an embodiment of the present application;

[0045] Figure 5 is a flowchart of a payment method provided by another embodiment of the present application;

[0046] Figure 6 is a flowchart of a payment method based on a free selection mode provided by the present application;

[0047] Figure 7 is a flowchart of a payment method based on a system recommendation mode provided by the present application;

[0048] Figure 8is a structural schematic diagram of a payment device provided by an embodiment of the present application;

[0049] Figure 9 is a structural schematic diagram of a payment device provided by another embodiment of the present application;

[0050] Figure 10 is a structural schematic diagram of an electronic device provided by an embodiment of the present application. DETAILED DESCRIPTION

[0051] The features and exemplary embodiments of various aspects of the present application will be described in detail below with reference to the drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to explain the present application, but not to limit the present application. The present application can be implemented without some of the specific details described below. The following description of the embodiments is merely intended to provide a better understanding of the present application by showing examples of the present application.

[0052] It should be noted that, in this document, the terms such as first and second are merely used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply that there is any such actual relationship or order between the entities or operations. Moreover, the terms "include", "contain" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements not only includes those elements, but also includes other elements not explicitly listed or inherent to such a process, method, article or device. Without more limitations, the elements defined by the statement "include" do not exclude the presence of other identical elements in the process, method, article or device that includes the elements.

[0053] In the prior art, in the process of offline payment, the user needs to cooperate with the cashier and tell the cashier the payment method, and the cashier operates the cash register device at the cash register, selects the payment method informed by the user, and then the user performs the corresponding payment operation to complete the payment process. Since the payment operation process involves back-and-forth cooperation between the cashier and the user, the payment operation process is cumbersome, and if one party makes a mistake, the payment operation cannot continue, which affects the payment progress of other users and reduces the efficiency of offline payment.

[0054] To solve the problems in the prior art, the embodiments of the present application provide a payment method, device, equipment, medium and product. The payment method can be applied to the scene of offline shopping. First, the architecture to which the payment method provided by the embodiments of the present application is applied will be introduced.

[0055] Figure 1 is a schematic diagram of an architecture applicable to the payment method provided in the present application. As shown in Figure 1 , the architecture can include a cash register system 10 and at least one mobile terminal 11. The mobile terminal 11 can be a smart phone, a smart watch, a smart bracelet, a tablet computer, or the like. The cash register system 10 can include a cash register terminal and a plurality of UWB signal base stations, a software and hardware device with built-in UWB communication function, and support for multiple payment methods. The plurality of UWB signal base stations can be distributed near the cash register area so that the plurality of UWB signal base stations form a UWB signal sensing area, and a secure payment area, i.e., a target position area, is set based on the UWB signal sensing area. In addition, the mobile terminal on the user side also has a software and hardware device with built-in UWB communication function and multiple payment functions. The cash register system and the user terminal can communicate through the UWB signal base station, and complete the transaction process through the communication layer and the application layer protocol.

[0056] For example, after the mobile terminal 11 enters the UWB signal sensing area, the UWB signal base station in the cash register system 10 can determine the position information of the mobile terminal 11 based on the time of flight (ToF) of the communication message, and then determine whether the mobile terminal 11 has entered the secure payment area. After determining that the mobile terminal 11 has entered the secure payment area, the payment operation process can be triggered.

[0057] In addition, as shown in Figure 2a , the cash register system 10 can include UWB software and hardware 101, a driver 102, and a routing table 103. The UWB software and hardware 101 can be used to receive, send, and process information based on UWB signals, the driver 102 can be used to drive the UWB software and hardware 101 to run, and the routing table 103 can be used to store connection information corresponding to each mobile terminal.

[0058] Similarly, as shown in Figure 2b , the mobile terminal 11 can include UWB software and hardware 111, a driver 112, and a routing table 113. The UWB software and hardware 111 can be used to receive, send, and process information based on UWB signals, the driver 112 can be used to drive the UWB software and hardware 111 to run, and the routing table 113 can be used to store connection information corresponding to the cash register system.

[0059] By adding the above-mentioned software and hardware modules on the cash register system and the user terminal side, both of them have UWB communication function and supporting interface program, the functional interface between the cash register system and the user mobile terminal in the traditional way is changed, the operation by the cashier on the cash register is deleted, and the cash register system replaces the cashier's operation on the cash register by interacting payment information with the other party and obtaining the payment method selected by the user's mobile terminal.

[0060] In addition, the cash register system and the mobile terminal can perform communication with other external electronic devices based on the UWB signal and perform information exchange based on the UWB signal. For example, after receiving a payment request, the cash register system can forward payment information to the back-end payment end for settlement using the UWB signal (or other communication methods). After the transaction is completed, the payment end can also use the UWB signal to feed back the transaction result to the cash register system, so that the cash register system can provide the transaction result to the user's mobile terminal in real time and accurately, and display it. Among them, other communication methods include but are not limited to WIFI network communication, Bluetooth network communication, 5G network communication and the like.

[0061] Based on the above architecture, the embodiment of the application provides a payment method, which is specifically as follows.

[0062] Figure 3 is a flowchart of the payment method provided by the embodiment of the application. As shown in Figure 3 , the payment method can specifically include the following steps:

[0063] S310, in the case where it is determined that the target position area exists the mobile terminal, the cash register system acquires terminal information corresponding to the mobile terminal;

[0064] S320, the cash register system acquires order information corresponding to the mobile terminal according to the terminal information;

[0065] S330, the cash register system sends the order information to the mobile terminal;

[0066] S340, the mobile terminal displays the order information;

[0067] S350, the mobile terminal receives a first input of a user based on the order information;

[0068] S360, the mobile terminal determines a target payment method in response to the first input;

[0069] S370, the mobile terminal sends a payment request to the cash register system, and the payment request includes the target payment method;

[0070] S380, the cash register system responds to the payment request, and performs payment processing on a to-be-paid order corresponding to the order information based on the target payment method.

[0071] Thus, by setting a target position area by using a plurality of UWB signal base stations included in the cash register system, when a mobile terminal exists in the target position area, the cash register system acquires terminal information corresponding to the mobile terminal, and further acquires corresponding order information based on the terminal information, sends the order information to the mobile terminal for user confirmation, in this way, the user can determine a target payment method on the mobile terminal based on the order information, and initiate payment, and further when the cash register system receives a payment request sent by the mobile terminal, payment processing is performed on the order information corresponding to the to-be-paid order according to the target payment method included in the payment request. In this way, without any operation of the cashier on the cash register, the selection of the payment method can be realized on the mobile terminal, and the payment process of the order is automatically completed, which simplifies the payment operation process and improves the payment efficiency.

[0072] Next, the payment method applied to the cash register system will be described in detail.

[0073] Figure 4 is a flowchart of the payment method provided by an embodiment of the present application. As shown in the figure, the payment method can specifically include the following steps: Figure 4

[0074] S410, in the case where it is determined that a mobile terminal exists in a target position area, acquiring terminal information corresponding to the mobile terminal, wherein the target position area is a secure payment area set based on networking coverage of a plurality of UWB signal base stations;

[0075] S420, acquiring order information corresponding to the mobile terminal according to the terminal information;

[0076] S430, sending the order information to the mobile terminal, so that the mobile terminal determines a target payment method based on the order information;

[0077] S440, receiving a payment request sent by the mobile terminal, the payment request including the target payment method;

[0078] S450, in response to the payment request, performing payment processing on the order information corresponding to the to-be-paid order based on the target payment method.

[0079] ​Thus, by setting a target position area by using a plurality of UWB signal base stations included in the cash register system, when a mobile terminal exists in the target position area, terminal information corresponding to the mobile terminal is acquired, and then corresponding order information is acquired based on the terminal information, the order information is sent to the mobile terminal for user confirmation, in this way, the user can determine a target payment method on the mobile terminal based on the order information, and initiate payment, and then when the cash register system receives a payment request sent by the mobile terminal, the target payment method included in the payment request is used to perform payment processing on the to-be-paid order corresponding to the order information. In this way, without any operation of the cashier on the cash register, the selection of the payment method can be realized on the mobile terminal, and the payment process of the order is automatically completed, simplifying the payment operation process and improving the payment efficiency.

[0080] The specific implementation of each of the above steps will be described below.

[0081] In some embodiments, in S410, the target position area can be set at the exit of an offline shopping store, and a plurality of UWB signal base stations can be set around the target position area, in this way, when a mobile terminal including a UWB function module enters a UWB signal sensing area covered by the UWB signal base station network, the cash register system can locate the mobile terminal through the UWB signal base station, and after determining that the mobile terminal enters the target position area, terminal information corresponding to the mobile terminal is acquired. The terminal information can include identification information and connection information, and the identification information includes but is not limited to a device identification code, a mobile phone number, etc., and the connection information includes but is not limited to a MAC (Media Access Control) address, etc.

[0082] For example, when the cash register system and the mobile terminal perform communication handshake through UWB signals in the secure payment area after determining that the mobile terminal enters the target position area, the terminal information can be exchanged.

[0083] Based on this, in some examples, before S410, the payment method provided by the embodiments of the application can further include:

[0084] The mobile terminal is located based on the UWB signals corresponding to the mobile terminal received by the plurality of UWB signal base stations, and a first position where the mobile terminal is located is obtained.

[0085] In the case that the first position is located in the target position area, it is determined that the mobile terminal exists in the target position area.

[0086] Here, the cash register system can directly communicate with the mobile terminal of the user through the UWB signal base station.

[0087] Exemplarily, after the UWB signal base station detects that the mobile terminal enters the UWB signal sensing area, the cash register system can locate the mobile terminal based on the signal flight time and the position coordinates of each UWB signal base station, obtain the real-time position of the mobile terminal, and then determine whether the mobile terminal enters the set safe payment area, i.e., the target position area, based on the real-time position.

[0088] In some embodiments, in S420, after receiving the terminal information of the mobile terminal, the cash register system can search for the order information of the user in the background according to all or part of the information in the terminal information (such as mobile phone number and the like). The order information can be generated by the staff after the user selects and purchases the goods, and the staff enters the goods selected and purchased by the user in the cash register system. Of course, the order information can also be generated by the user himself after selecting and purchasing the goods, and the user enters the selected and purchased goods in the self-service cash register system. The generation mode of the order information is not limited herein.

[0089] Here, the order information can include merchant information, product information, product quantity, product unit price, total transaction amount, and time stamp, etc.

[0090] In some embodiments, in S430, after the cash register system retrieves the order information corresponding to the mobile terminal, the order information can be sent to the mobile terminal to display the order information on the mobile terminal. In this way, the user can select or confirm the payment method on the mobile terminal based on the order information, and obtain the corresponding target payment method.

[0091] In addition, in some examples, the above-mentioned order information can further include authentication marker information, which is used for the mobile terminal to authenticate the legitimacy of the order information.

[0092] Here, the authentication marker information can be information header markers and the like.

[0093] Exemplarily, after the mobile terminal receives the order information sent by the cash register system, the order information can be parsed to obtain information header markers and the like, and the legitimacy of the order information is confirmed through the information. On the premise of confirming the legitimacy, the merchant information, product information, product quantity, product unit price, total transaction amount, time stamp, and the like contained therein are obtained, and the local program is activated to display to the user through a graphical interface, wherein the graphical interface can display information in the form of images, texts, and the like.

[0094] In this way, by carrying the authentication marker information in the order information, the legitimacy of the order information can be verified, and the security of the payment operation is improved.

[0095] In addition, two payment modes are provided in the embodiments of the present application, one is a mode in which a user freely selects a payment method, and the other is a mode in which a system recommends a payment method.

[0096] For the mode in which the system recommends the payment method, in some examples, the S430 can specifically include:

[0097] The order information and the recommended payment method information are sent to the mobile terminal, so that the mobile terminal determines the target payment method based on the order information and the recommended payment method information.

[0098] Here, since there can be a case where a payment institution cooperates with a merchant, or a case where a certain payment method has a large discount, the cash register system can push the recommended payment method to the user in the process of sending the retrieved order information to the mobile terminal for confirmation by the user, that is, the recommended payment method information is sent to the mobile terminal. The recommended payment method information can include payment method identification information and supporting discount information, etc.

[0099] For example, while the order information is displayed on the mobile terminal, the corresponding recommended payment method information can be displayed based on the order information to attract the user to select the payment method corresponding to the recommended payment method information.

[0100] In this way, by actively pushing the recommended payment method and confirming it by the user on the mobile terminal, the entrance of user payment selection can be guided, and the cooperation between the merchant and the payment institution can be promoted, while avoiding the tedious manual operation.

[0101] In addition, since the cash register system can simultaneously communicate with multiple mobile terminals, in order to enable the cash register system to accurately send the order information to the corresponding mobile terminal, in some examples, after the S410, the payment method provided by the embodiments of the present application can further include:

[0102] The identification information and the connection information are stored in the routing table in association;

[0103] Correspondingly, the S430 includes:

[0104] According to the identification information, the connection information corresponding to the mobile terminal is obtained from the routing table;

[0105] Based on the connection information, the order information is sent to the mobile terminal.

[0106] Exemplarily, the device identifier or the mobile phone number of the mobile terminal can be stored in the routing table together with the corresponding MAC address. In this way, when the order information corresponding to the mobile phone number is retrieved by the cash register system, the corresponding MAC address can be queried from the routing table through the mobile phone number or the device identifier associated with the mobile phone number, and then the order information can be accurately sent to the mobile terminal corresponding to the order information through the MAC address.

[0107] In this way, through the above information storage manner, the accuracy of sending order information can be improved, and it is possible for multiple mobile terminals to simultaneously communicate with the cash register system and for the cash register system to simultaneously perform multiple payment operation processes, thereby further improving the payment efficiency.

[0108] In some embodiments, after the user confirms the order information on the mobile terminal and selects or confirms the target payment method in S440 and S450, the user can directly initiate the order payment on the mobile terminal, and the mobile terminal sends a payment request to the cash register system. In addition to the target payment method, the payment request can also include authentication marker information, a timestamp, etc.

[0109] Exemplarily, the cash register system receives the payment request initiated by the user's mobile terminal, analyzes and processes the payment request, and performs payment processing on the to-be-paid order corresponding to the order information according to the target payment method carried in the payment request.

[0110] Based on this, in some examples, S450 can specifically include:

[0111] calling a payment interface corresponding to the target payment method;

[0112] sending target payment information to the corresponding collection end through the payment interface, the target payment information being used to instruct the collection end to perform a deduction process on the to-be-paid order corresponding to the order information.

[0113] Exemplarily, the cash register system can generate payment information corresponding to the to-be-paid order, that is, target payment information, wherein the payment information can include account information, deduction amount information, and other information required for order payment. Based on the analysis result of the payment request, the cash register system automatically matches the payment interface corresponding to the target payment method, activates the payment service, and initiates a payment deduction process to the collection end in the background.

[0114] In some specific examples, if the target payment method fed back by the mobile terminal is to use a bank card of bank A for payment, the cash register system can call the payment interface corresponding to bank A, send the bank card information corresponding to the order to the collection end of bank A, so that the collection end of bank A performs a deduction operation based on the bank card.

[0115] In this way, by automatically calling different payment interfaces to deduct, the cash register system can realize the deduction processing of multiple payment methods, so as to ensure that the cash register system can respond to the different payment methods selected by the user on the mobile terminal, and realize the payment processing corresponding to different methods.

[0116] In addition, the payment end can feed back the payment result to the cash register system after completing the deduction processing, and then the cash register system feeds back the payment result to the corresponding mobile terminal through the UWB base station, so as to display the payment result on the mobile terminal to the user, thereby improving the real-time and accuracy of the transaction result feedback and improving the user experience.

[0117] The above is the description of the payment method applied to the cash register system, and the payment method applied to the mobile terminal will be described in detail below.

[0118] Figure 5 is the flowchart of the payment method provided by another embodiment of the application. As shown in Figure 5 , the payment method can specifically include the following steps:

[0119] S510, in the case that the mobile terminal enters a target position area, the terminal information of the mobile terminal is sent to the cash register system through the UWB signal base station, so that the cash register system obtains the order information corresponding to the mobile terminal according to the terminal information, wherein the target position area is a safe payment area set based on the networking coverage of multiple UWB signal base stations;

[0120] S520, receiving the order information sent by the cash register system;

[0121] S530, displaying the order information;

[0122] S540, receiving the first input of the user based on the order information;

[0123] S550, determining the target payment method in response to the first input;

[0124] S560, sending a payment request to the cash register system, the payment request including the target payment method, the payment request being used to instruct the cash register system to perform payment processing on the to-be-paid order corresponding to the order information based on the target payment method.

[0125] Here, the explanation of each of the above steps can refer to the explanation of the related part in the above embodiment, which will not be repeated here.

[0126] In addition, the first input can be a selection input of the user selecting the target payment method from multiple payment methods, or a confirmation input of the user to the system recommended payment method, so as to take the recommended payment method as the target payment method, which is not limited here.

[0127] Thus, by sending the terminal information of the mobile terminal to the cash register system via the UWB signal base station when the mobile terminal enters the target location area, the cash register system can obtain the corresponding order information based on the terminal information and send the order information to the mobile terminal for user confirmation. In this way, the user can determine the target payment method based on the displayed order information on the mobile terminal and initiate payment, and then when the cash register system receives the payment request sent by the mobile terminal, the payment processing of the order corresponding to the order information is performed according to the target payment method included in the payment request. In this way, the selection of the payment method on the mobile terminal and the automatic completion of the payment process of the order can be realized without any operation of the cashier on the cash register, which simplifies the payment operation process and improves the payment efficiency.

[0128] Based on this, in some embodiments, the payment method provided by the embodiments of the present application can further include:

[0129] receiving the recommended payment method information sent by the cash register system;

[0130] displaying the recommended payment method information.

[0131] For example, in the process of pushing the order information by the cash register system to the mobile terminal for user confirmation, the recommended payment method information can be pushed to the user at the same time, and the recommended payment method information can include payment method identification information and supporting discount information, etc. After receiving the information sent by the cash register system, the mobile terminal can display the order information and the corresponding recommended payment method information for user confirmation and reference.

[0132] In addition, for the system recommended payment method mode, in some embodiments, the above S540 can specifically include:

[0133] receiving a first input of the user for confirming the recommended payment method information;

[0134] Correspondingly, the above S550 can specifically include:

[0135] determining that the payment method corresponding to the recommended payment method information is the target payment method.

[0136] For example, in the system recommended payment method mode, the user can directly determine the target payment method by confirming the recommended payment method information sent by the system. For example, after the user confirms the order and the recommended payment method on the mobile terminal, the mobile terminal can activate the matching payment interface to initiate a payment request and send the payment request to the cash register system for the cash register system to perform payment processing in the corresponding mode.

[0137] In addition, for the user free selection payment method mode, in some embodiments, before the above S540, the payment method provided by the embodiments of the present application can further include:

[0138] displaying at least one selectable payment method information corresponding to the order information;

[0139] Correspondingly, the S540 can specifically include:

[0140] receiving a first input of the user selecting target payment method information from the at least one selectable payment method information;

[0141] Correspondingly, the S550 can specifically include:

[0142] determining that the payment method corresponding to the target payment method information is the target payment method.

[0143] For example, in the mode of user freely selecting payment method, the user can freely select one or more selectable payment methods preset in the local application program in the mobile terminal. The displayed selectable payment method information can include payment method identification information, such as image identification or text identification, etc.

[0144] In this way, the user can freely select a suitable payment method as the target payment method in the case that there is no recommended payment method or the recommended payment method is not suitable, so that the cash register system performs payment processing of the order based on the target payment method.

[0145] In order to better describe the whole scheme, based on the above embodiments, some specific examples are given.

[0146] For example, for the mode of user freely selecting payment method, please refer to the payment method flowchart as shown in Figure 6 The payment method can include S601-S609, which will be explained in detail below.

[0147] S601, the mobile terminal enters the UWB induction area, establishes a connection, and both sides acquire information;

[0148] S602, the cash register system retrieves the user order and sends it to the mobile terminal for the user to confirm;

[0149] S603, the user confirms the order information on the mobile terminal and selects the target payment method to initiate a payment request;

[0150] S604, the cash register system receives the payment request and automatically matches the corresponding payment service according to the target payment method;

[0151] S605, the cash register system transmits the payment information to the collection end of the background for settlement;

[0152] S606, the collection end performs payment settlement and returns the payment result step by step.

[0153] In this way, the user can determine the target payment method in a mobile terminal through free selection, so that the cash register system directly performs corresponding payment processing according to the target payment method selected by the user in the mobile terminal, thereby simplifying the payment operation process and improving the payment efficiency.

[0154] For example, the system can recommend a payment method in a mode as shown in a payment method flowchart. Figure 7 The payment method can include S701-S707, which are explained in detail below.

[0155] S701, the mobile terminal enters the UWB sensing area, establishes a connection, and both sides obtain information;

[0156] S702, the cash register system retrieves the user's order and sends it to the mobile terminal for the user to confirm;

[0157] S703, the user returns confirmation information on the order information through the mobile terminal;

[0158] S704, the cash register system receives the confirmation information and actively pushes the recommended payment method to the mobile terminal;

[0159] S705, the user confirms the recommended payment method on the mobile terminal and initiates a payment request based on the payment method;

[0160] S706, the cash register system transmits the payment information to the collection end of the background for settlement;

[0161] S707, the collection end performs payment settlement and returns the payment result step by step.

[0162] In this way, the cash register system recommends a payment method to the user, and the user confirms whether to use the system-recommended method on the mobile terminal to determine the payment method, so that the cash register system directly performs corresponding payment processing according to the recommended payment method confirmed by the user on the mobile terminal, thereby simplifying the payment operation process, improving the payment efficiency, promoting cooperation between the cash register system and other collection end service providers, and improving economic efficiency.

[0163] It should be noted that the application scenarios described in the above embodiments of the application are used to more clearly illustrate the technical solutions of the embodiments of the application, and do not constitute a limitation on the technical solutions provided by the embodiments of the application. Those skilled in the art can know that the technical solutions provided by the embodiments of the application are also applicable to similar technical problems as new application scenarios appear.

[0164] Based on the same inventive concept, the application also provides a payment device. The specific embodiments are explained in detail in combination with Figure 8 .

[0165] Figure 8is a structural schematic diagram of a payment device provided by an embodiment of the present application. The payment device can be applied to a cash register system.

[0166] As shown in the figure, the payment device 800 can include: Figure 8

[0167] an information acquisition module 801, configured to acquire terminal information corresponding to a mobile terminal in a case where it is determined that the mobile terminal exists in a target position area, wherein the target position area is a secure payment area set based on networking coverage of the plurality of UWB signal base stations;

[0168] an order acquisition module 802, configured to acquire order information corresponding to the mobile terminal according to the terminal information;

[0169] an order sending module 803, configured to send the order information to the mobile terminal, so that the mobile terminal determines a target payment method based on the order information;

[0170] a request receiving module 804, configured to receive a payment request sent by the mobile terminal, wherein the payment request includes the target payment method;

[0171] an order payment module 805, configured to perform payment processing on a to-be-paid order corresponding to the order information based on the target payment method in response to the payment request.

[0172] The payment device 800 is described in detail as follows:

[0173] In some embodiments, the order sending module 803 includes:

[0174] a first sending sub-module, configured to send the order information and recommended payment method information to the mobile terminal, so that the mobile terminal determines the target payment method based on the order information and the recommended payment method information.

[0175] In some embodiments, the order payment module 805 includes:

[0176] a calling sub-module, configured to call a payment interface corresponding to the target payment method;

[0177] a second sending sub-module, configured to send target payment information to a corresponding payment end through the payment interface, wherein the target payment information is used to instruct the payment end to perform a deduction processing on a to-be-paid order corresponding to the order information.

[0178] In some embodiments, the order information includes authentication marker information, and the authentication marker information is used for the mobile terminal to perform legitimacy authentication on the order information.​

[0179] In some embodiments, the terminal information includes identification information and connection information; the payment device 800 further includes:

[0180] an association storage module, configured to, after obtaining the terminal information corresponding to the mobile terminal, store the identification information and the connection information in association in a routing table;

[0181] The order sending module 803 includes:

[0182] an obtaining sub-module, configured to, according to the identification information, obtain the connection information corresponding to the mobile terminal from the routing table;

[0183] a third sending sub-module, configured to, based on the connection information, send the order information to the mobile terminal.

[0184] In some embodiments, the payment device 800 further includes:

[0185] a terminal positioning module, configured to, in a case where it is determined that there is a mobile terminal in a target location area, before obtaining terminal information corresponding to the mobile terminal, position the mobile terminal according to UWB signals corresponding to the mobile terminal received by the plurality of UWB signal base stations, to obtain a first location of the mobile terminal;

[0186] a terminal determination module, configured to, in a case where the first location is located within the target location area, determine that there is the mobile terminal in the target location area.

[0187] Thus, by setting a target location area using a plurality of UWB (Ultra Wide Band) signal base stations included in a cash register system, when there is a mobile terminal in the target location area, terminal information corresponding to the mobile terminal is obtained, and then order information corresponding to the terminal information is obtained, and the order information is sent to the mobile terminal for user confirmation. In this way, the user can determine a target payment method on the mobile terminal based on the order information and initiate payment, and then when the cash register system receives a payment request sent by the mobile terminal, the target payment method included in the payment request is used to perform payment processing on a to-be-paid order corresponding to the order information. In this way, without any operation of a cashier at a cash register, the selection of a payment method can be realized on the mobile terminal, and the payment process of an order can be automatically completed, simplifying the payment operation process and improving the payment efficiency.

[0188] Based on the same inventive concept, the present application also provides a payment device. The specific embodiments are described in detail in combination with Figure 9 .

[0189] Figure 9is a structural schematic diagram of a payment device provided by another embodiment of the present application. The payment device can be applied to a mobile terminal.

[0190] As shown in Figure 9 The payment device 900 can include:

[0191] An information sending module 901 is configured to send terminal information of the mobile terminal to a cash register system via a UWB signal base station in a case where the mobile terminal enters a target location area, so that the cash register system acquires order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a secure payment area covered and set based on networking of the plurality of UWB signal base stations.

[0192] An order receiving module 902 is configured to receive order information sent by the cash register system.

[0193] An order display module 903 is configured to display the order information.

[0194] An input receiving module 904 is configured to receive a first input of a user based on the order information.

[0195] A mode determining module 905 is configured to determine a target payment mode in response to the first input.

[0196] A request sending module 906 is configured to send a payment request to the cash register system, the payment request including the target payment mode, and the payment request being used to instruct the cash register system to perform payment processing on a to-be-paid order corresponding to the order information based on the target payment mode.

[0197] The payment device 900 is described in detail as follows:

[0198] In some embodiments, the payment device 800 further includes:

[0199] An information receiving module is configured to receive recommended payment mode information sent by the cash register system.

[0200] A first display module is configured to display the recommended payment mode information.

[0201] In some embodiments, the input receiving module 904 includes:

[0202] A first receiving sub-module is configured to receive a first input of a user for confirming the recommended payment mode information.

[0203] The mode determining module 905 includes:

[0204] The first determining sub-module is configured to determine that the payment method corresponding to the recommended payment method information is the target payment method.

[0205] In some embodiments, the payment device 800 further includes:

[0206] The second display module is configured to display at least one selectable payment method information corresponding to the order information before receiving a first input of the user based on the order information.

[0207] The input receiving module 904 includes:

[0208] The second receiving sub-module is configured to receive a first input of the user selecting target payment method information from the at least one selectable payment method information.

[0209] The method determining module 905 includes:

[0210] The second determining sub-module is configured to determine that the payment method corresponding to the target payment method information is the target payment method.

[0211] Thus, when the mobile terminal enters the target location area, the terminal information of the mobile terminal is sent to the cash register system via the UWB signal base station, so that the cash register system obtains the corresponding order information based on the terminal information, and sends the order information to the mobile terminal for the user to confirm. In this way, the user can determine the target payment method based on the displayed order information on the mobile terminal, and initiate payment, and then when the cash register system receives the payment request sent by the mobile terminal, the payment processing of the order corresponding to the order information is performed according to the target payment method included in the payment request. In this way, without any operation of the cashier on the cash register, the selection of the payment method on the mobile terminal can be realized, and the payment process of the order can be automatically completed, simplifying the payment operation process and improving the payment efficiency.

[0212] Figure 10 FIG. 1 is a structural schematic diagram of an electronic device provided by an embodiment of the present application.

[0213] The electronic device 1000 can include a processor 1001 and a memory 1002 storing computer program instructions.

[0214] Specifically, the processor 1001 can include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or can be configured to implement one or more integrated circuits of the embodiments of the present application.

[0215] The memory 1002 can include mass storage for data or instructions. As an example and not by way of limitation, the memory 1002 can include a hard disk drive (HDD), a floppy disk drive, flash memory, an optical disc (e.g., a compact disc (CD) or a digital versatile disc (DVD)), a solid-state drive (SSD), a USB drive, or a combination of two or more of these. Where appropriate, the memory 1002 can include removable or non-removable (or fixed) media, where appropriate. The memory 1002 can be internal or external to the integrated gateway disaster recovery device. In particular embodiments, the memory 1002 is non-volatile, solid-state memory.

[0216] In particular embodiments, the memory can include read-only memory (ROM), random access memory (RAM), magnetic disk storage mediums, optical storage mediums, flash memory devices, electrical, optical, or other physical / tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software that, when executed (by one or more processors), is operable to

[0217] The processor 1001 implements any of the payment methods in the above embodiments by reading and executing computer program instructions stored in the memory 1002.

[0218] In some examples, the electronic device 1000 can further include a communication interface 1003 and a bus 1010. Wherein, as shown in the figure, the processor 1001, the memory 1002, the communication interface 1003 are connected through the bus 1010 and complete the communication between each other. Figure 10

[0219] The communication interface 1003 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiments of the application.

[0220] ​Bus 1010 includes hardware, software, or both, to couple components of the online data traffic metering device to each other and to couple components to other components in communication via bus 1010. While bus 1010 is shown with eight separate buses, it can include more or fewer buses. Although this application describes and illustrates a particular bus, this application contemplates any suitable bus or interconnect.

[0221] By way of example, the electronic device 1000 can be a mobile phone, a tablet computer, a notebook computer, a palm computer, an in-vehicle electronic device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA), etc.

[0222] The electronic device 1000 can perform the payment method in the embodiments of the application, thereby realizing the payment method and device described in combination Figures 4 to 9 with the payment method in the embodiments of the application.

[0223] In addition, in combination with the payment method in the embodiments described above, the embodiments of the application can provide a computer-readable storage medium to implement. The computer-readable storage medium has computer program instructions stored thereon; the computer program instructions are executed by a processor to implement any one of the payment methods in the embodiments described above. Examples of the computer-readable storage medium include non-transitory computer-readable storage media, such as a portable disc, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, etc.

[0224] It needs to be clear that the application is not limited to the specific configurations and processes described above and shown in the drawings. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the application is not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between steps, after understanding the spirit of the application.

[0225] The functions noted in the structural block diagrams described above can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application specific integrated circuits (ASICs), appropriate firmware, plug-ins, functional cards, and the like. When implemented in software, the elements of the present application are program or code segments that are used to perform the required tasks. The program or code segments can be stored in a machine-readable medium or transmitted through a data signal carried in a carrier wave over a transmission medium or communication link. A "machine-readable medium" includes any medium that can store or transport information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, and the like. The code segments can be downloaded via computer networks such as the Internet, intranets, and the like.

[0226] It is also noted that the exemplary embodiments mentioned in the present application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the steps mentioned above, that is, the steps can be performed in the order mentioned in the embodiments, or in an order different from the embodiments, or several steps can be performed simultaneously.

[0227] The computer program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other processing devices to cause a series of operational steps to be performed on the computer, other programmable apparatus or other processing devices to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions / acts specified in the flowchart and / or block diagram block or blocks. These computer program instructions can also be stored in a computer readable medium that can direct a computer, other programmable data processing apparatus, or other processing devices to operate in a particular manner, such that the instructions stored in the computer readable medium produce an article of manufacture including instructions which implement the function / act specified in the flowchart and / or block diagram block or blocks. The computer program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other processing devices to cause a series of operational steps to be performed on the computer, other programmable apparatus or other processing devices to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions / acts specified in the flowchart and / or block diagram block or blocks. These computer program instructions can also be stored in a computer readable medium that can direct a computer, other programmable data processing apparatus, or other processing devices to operate in a particular manner, such that the instructions stored in the computer readable medium produce an article of manufacture including instructions which implement the function / act specified in the flowchart and / or block diagram block or blocks.

[0228] The above merely describes a specific implementation of the present application. Those skilled in the art can clearly understand the specific working processes of the system, modules and units described above for the convenience and brevity of description, and can refer to the corresponding processes in the foregoing method embodiments, which will not be described herein again. It should be understood that the protection scope of the present application is not limited to this, and any person skilled in the art can easily think of various equivalent modifications or replacements within the technical range disclosed by the present application, and these modifications or replacements should be covered within the protection scope of the present application.

Claims

1. A payment method applied to a cash register system, characterized by, The cash register system includes a plurality of ultra-wideband (UWB) signal base stations, and the method includes: In an offline shopping scenario, terminal information corresponding to a mobile terminal is obtained in a case where the mobile terminal exists in a target location area, wherein the target location area is a secure payment area set based on networking coverage of the plurality of UWB signal base stations, and the terminal information includes a mobile phone number and a media access control (MAC) address; Order information corresponding to the mobile terminal is obtained according to the terminal information; The order information is sent to the mobile terminal, so that the mobile terminal determines a target payment method based on the order information; A payment request including the target payment method is received from the mobile terminal; In response to the payment request, a payment process is performed on a to-be-paid order corresponding to the order information based on the target payment method; The order information is sent to the mobile terminal, so that the mobile terminal determines a target payment method based on the order information, including: The order information and recommended payment method information are sent to the mobile terminal, so that the mobile terminal determines the target payment method based on the order information and the recommended payment method information, and the recommended payment method information includes payment method identification information and supporting preferential information; After obtaining the terminal information corresponding to the mobile terminal, the method further includes: The mobile phone number and the MAC address are stored in a routing table in association; The order information is sent to the mobile terminal, including: When the order information corresponding to the mobile phone number is retrieved, the MAC address corresponding to the mobile terminal is obtained from the routing table according to the mobile phone number; The order information is sent to the mobile terminal based on the MAC address.

2. The method of claim 1, wherein, The payment process is performed on the to-be-paid order corresponding to the order information based on the target payment method, including: A payment interface corresponding to the target payment method is called; Target payment information is sent to a corresponding payment end through the payment interface, and the target payment information is used to instruct the payment end to perform a deduction process on the to-be-paid order corresponding to the order information.

3. The method of claim 1, wherein, The order information includes authentication marker information, which is used for the mobile terminal to perform legality authentication on the order information.

4. The method of claim 1, wherein, Before obtaining the terminal information corresponding to the mobile terminal in a case where the mobile terminal exists in a target location area, the method further includes: The mobile terminal is positioned based on UWB signals corresponding to the mobile terminal received by the plurality of UWB signal base stations, to obtain a first location of the mobile terminal; In a case where the first location is located in the target location area, it is determined that the mobile terminal exists in the target location area.

5. A payment method applied to a mobile terminal, characterized by, The method includes: In an offline shopping scenario, in a case where the mobile terminal enters a target location area, terminal information of the mobile terminal is sent to a cash register system via a UWB signal base station, so that the cash register system acquires order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a safe payment area covered by networking of a plurality of UWB signal base stations and set, and the terminal information includes a mobile phone number and a MAC address; receiving order information and recommended payment method information sent by the cash register system, the recommended payment method information including payment method identification information and supporting preferential information; displaying the order information and the recommended payment method information; receiving a first input of a user based on the order information; in response to the first input, determining a target payment method; sending a payment request to the cash register system, the payment request including the target payment method, the payment request being used to instruct the cash register system to perform payment processing on a to-be-paid order corresponding to the order information based on the target payment method; the receiving a first input of a user based on the order information includes: receiving a first input of a user for confirming the recommended payment method information; the determining a target payment method includes: determining that a payment method corresponding to the recommended payment method information is the target payment method; the receiving order information sent by the cash register system includes: receiving order information sent by the cash register system based on the MAC address, the MAC address being a MAC address corresponding to the mobile terminal acquired from a routing table by the cash register system according to the mobile phone number when the cash register system retrieves order information corresponding to the mobile phone number.

6. The method of claim 5, wherein, Before receiving a first input of a user based on the order information, the method further includes: displaying at least one kind of selectable payment method information corresponding to the order information; the receiving a first input of a user based on the order information includes: receiving a first input of a user for selecting target payment method information from the at least one kind of selectable payment method information; the determining a target payment method includes: determining that a payment method corresponding to the target payment method information is the target payment method.

7. A payment device applied to a cash register system, characterized by, The cash register system includes a plurality of ultra-wideband (UWB) signal base stations, and the device includes: an information acquisition module configured to, in an offline shopping scenario, acquire terminal information corresponding to a mobile terminal in a case where the mobile terminal exists in a target location area, wherein the target location area is a safe payment area covered by networking of the plurality of UWB signal base stations and set, and the terminal information includes a mobile phone number and a MAC address; an order acquisition module configured to acquire order information corresponding to the mobile terminal according to the terminal information; an order sending module configured to send the order information to the mobile terminal, so that the mobile terminal determines a target payment method based on the order information; a request receiving module configured to receive a payment request sent by the mobile terminal, the payment request including the target payment method. An order payment module is configured to perform payment processing on a to-be-paid order corresponding to the order information based on the target payment method in response to the payment request. An association storage module is configured to store the mobile phone number and the MAC address in a routing table after obtaining the terminal information corresponding to the mobile terminal. The order sending module is specifically configured to: When the order information corresponding to the mobile phone number is retrieved, the MAC address corresponding to the mobile terminal is obtained from the routing table according to the mobile phone number. The order information is sent to the mobile terminal based on the MAC address. The order sending module is specifically further configured to: The order information and recommended payment method information are sent to the mobile terminal, so that the mobile terminal determines the target payment method based on the order information and the recommended payment method information, and the recommended payment method information includes payment method identification information and supporting preferential information.

8. A payment device applied to a mobile terminal, characterized by, The device comprises: An information sending module is configured to send terminal information of the mobile terminal to a cash register system via a UWB signal base station in an offline shopping scenario, so that the cash register system obtains order information corresponding to the mobile terminal according to the terminal information, wherein the target location area is a secure payment area covered by networking of a plurality of UWB signal base stations and set, and the terminal information includes a mobile phone number and a MAC address. An order receiving module is configured to receive order information and recommended payment method information sent by the cash register system, and the recommended payment method information includes payment method identification information and supporting preferential information. An order display module is configured to display the order information and the recommended payment method information. An input receiving module is configured to receive a first input of a user based on the order information. A method determining module is configured to determine a target payment method in response to the first input. A request sending module is configured to send a payment request to the cash register system, and the payment request includes the target payment method, and the payment request is used to instruct the cash register system to perform payment processing on a to-be-paid order corresponding to the order information based on the target payment method. The input receiving module is specifically configured to: Receive a first input of a user for confirming the recommended payment method information. The method determining module is specifically configured to: Determine that a payment method corresponding to the recommended payment method information is the target payment method. The order receiving module is specifically configured to: Receive order information sent by the cash register system based on the MAC address, and the MAC address is a MAC address corresponding to the mobile terminal obtained from a routing table by the cash register system according to the mobile phone number when order information corresponding to the mobile phone number is retrieved.

9. A cash register system characterized by comprising: The cash register system comprises a processor and a memory storing computer program instructions. The processor executes the computer program instructions to implement the steps of the payment method of any one of claims 1-4.

10. A mobile terminal, characterized by The mobile terminal comprises a processor and a memory storing computer program instructions. The processor implements the steps of the payment method of any one of claims 5-6 when executing the computer program instructions.

11. A computer readable storage medium, characterized in that, The computer program instructions stored on the computer readable storage medium implement the steps of the payment method of any one of claims 1-4 or 5-6 when executed by the processor.

12. A computer program product, characterised in that, The instructions in the computer program product are executed by the processor of the electronic device, so that the electronic device performs the steps of the payment method of any one of claims 1-4 or 5-6.

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