A payment verification method and system

Abstract

The present specification discloses a payment verification method and system. A payee device generates verification information for a target payment transaction and provides the verification information to a payer device through a wireless signal. The payer device generates payment information and provides the payment information to the payee device, wherein the payment information carries the payer account information and the obtained verification information. After obtaining the payment information, the payee device matches and verifies the verification information carried in the payment information with the locally generated verification information. If the verification is successful, the target payment transaction is completed by using the account information carried in the payment information.

Description

Technical Field

[0001] This specification relates to the field of information security technology, and in particular to a payment verification method and system. Background Technology

[0002] In offline payment scenarios, in order to improve payment efficiency, for some small-amount payments, users are allowed to make payments without authentication (also known as password-free payment). That is, users do not need to perform any authentication (such as payment password, fingerprint, facial recognition, etc.), but only need to provide payment account information (such as in the form of payment code) to make payment.

[0003] Taking QR code payment as an example, after completing a purchase, a user can display their payment code on their payment device to the receiving device. The receiving device then scans the payment code and establishes a connection with the payment server to complete the payment process. In this method, the user does not need to perform authentication; they only need to display the payment code, thus improving payment efficiency.

[0004] However, precisely because users do not need to authenticate, if a thief steals the payment account information, they can use it to make payments, which could result in financial losses for the user. Summary of the Invention

[0005] To address the aforementioned technical problems, this specification provides a payment verification method and system, the technical solution of which is as follows:

[0006] According to a first aspect of this specification, a payment verification method is provided, comprising:

[0007] The receiving device generates verification information for the target payment transaction and provides the verification information to the payment device via wireless signal;

[0008] The payment device generates payment information and provides it to the receiving device. The payment information includes: payment account information and the obtained verification information.

[0009] After obtaining the payment information, the payment receiving device performs a matching verification using the verification information carried in the payment information and the locally generated verification information; if the verification is successful, the target payment transaction is completed using the account information carried in the payment information.

[0010] According to a second aspect of this specification, a payment verification system is provided, comprising:

[0011] The receiving device is used to generate verification information for the target payment transaction and provide the verification information to the payment device via wireless signal;

[0012] A payment device is used to generate payment information and provide the payment information to a receiving device. The payment information carries: payment account information and the obtained verification information.

[0013] The payment receiving device is used to obtain payment information and then perform matching verification using the verification information carried in the payment information and locally generated verification information; if the verification is successful, the target payment transaction is completed using the account information carried in the payment information.

[0014] According to a third aspect of this specification, a payment verification method is provided, applied to a payment receiving device, comprising:

[0015] For the target payment transaction, generate verification information and provide the verification information to the payment device via wireless signal;

[0016] After obtaining the payment information sent by the payment device, the system performs a matching verification using the verification information carried in the payment information and the locally generated verification information.

[0017] If the verification is successful, the target payment transaction will be completed using the account information carried in the payment information.

[0018] According to the fourth aspect of this specification, a payment verification method is provided, applied to a payment device, comprising:

[0019] Obtain verification information sent by the payment receiving device via wireless signal; the verification information is generated by the payment receiving device for the target payment transaction;

[0020] Payment information is generated and provided to the payment receiving device, so that the payment receiving device can perform a matching verification using the verification information carried in the payment information and locally generated verification information, and complete the target payment transaction using the account information carried in the payment information if the verification is successful.

[0021] According to a fifth aspect of this specification, a payment verification device is provided, applied to a payment receiving device, comprising:

[0022] The verification information providing module is used to generate verification information for the target payment transaction and provide the verification information to the payment device via wireless signal;

[0023] The matching and verification module is used to obtain the payment information sent by the payment device, and then perform matching and verification using the verification information carried in the payment information and the locally generated verification information; if the verification is successful, the target payment transaction is completed using the account information carried in the payment information.

[0024] According to a sixth aspect of this specification, a payment verification device is provided, applied to a payment device, comprising:

[0025] The verification information acquisition module is used to acquire verification information sent by the payment device via wireless signal; the verification information is generated by the payment device for the target payment transaction.

[0026] The payment information providing module is used to generate payment information and provide the payment information to the receiving device, so that the receiving device can perform matching verification using the verification information carried in the payment information and locally generated verification information, and complete the target payment transaction using the account information carried in the payment information if the verification is successful.

[0027] According to a seventh aspect of this specification, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the payment verification method described above.

[0028] By adopting the technical solution in this specification, since the receiving device generates verification information for the target payment transaction and provides it to the payment device, and the payment device uses this verification information to generate payment information, the payment information provided by the payment device to the receiving device is only for the current target payment transaction. Therefore, even if a thief steals this payment information, they cannot use it to pay for other transactions. For the user, no authentication operation is required, thus ensuring payment efficiency while improving payment security.

[0029] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this specification. Attached Figure Description

[0030] To more clearly illustrate the technical solutions in the embodiments of this specification or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the embodiments of this specification. For those skilled in the art, other drawings can be obtained based on these drawings.

[0031] Figure 1 This is a flowchart illustrating a payment verification method according to an embodiment of this specification;

[0032] Figure 2 This is a flowchart illustrating a verification information sending method according to an embodiment of this specification;

[0033] Figure 3 This is a flowchart illustrating another method for sending verification information according to an embodiment of this specification.

[0034] Figure 4 This is a schematic diagram of the structure of a payment verification device according to an embodiment of this specification;

[0035] Figure 5 This is a schematic diagram of another payment verification device structure according to an embodiment of this specification;

[0036] Figure 6 This is a schematic diagram of the structure of a device used to configure the apparatus of the embodiments in this specification. Detailed Implementation

[0037] To enable those skilled in the art to better understand the technical solutions in the embodiments of this specification, the technical solutions in the embodiments of this specification will be described in detail below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art should fall within the scope of protection.

[0038] The terminology used in this specification is for the purpose of describing particular embodiments only and is not intended to be limiting of this specification. The singular forms “a,” “the,” and “the” as used in this specification and the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise. It should also be understood that the term “and / or” as used herein refers to and includes any and all possible combinations of one or more of the associated listed items.

[0039] It should be understood that although the terms first, second, third, etc., may be used in this specification to describe various information, this information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, without departing from the scope of this specification, first information may also be referred to as second information, and similarly, second information may also be referred to as first information. Depending on the context, the word "if" as used herein may be interpreted as "when," "when," or "in response to determination."

[0040] With the development of internet technology, users can now make payments through various internet-based methods in offline payment scenarios, such as QR code payments. Internet-based payments have improved the user experience. To further enhance payment efficiency, for small-amount payments, users are allowed to use authentication-free methods (also known as password-free payments). This means users do not need to perform any authentication (such as payment passwords, fingerprints, or facial recognition); they only need to provide their payment account information to the receiving device (e.g., in the form of a payment code) to complete the payment.

[0041] Taking QR code payment as an example, after completing a purchase, a user can display their payment code on their terminal device to the payment receiving device. Upon scanning the payment code, the receiving device establishes a connection with the payment server and sends a payment request to complete the payment process. In this method, the user does not need to perform authentication; they only need to display the payment code, thus improving payment efficiency.

[0042] However, precisely because payments can be made without authentication, if a thief steals a user's payment account information, they can use that information to make payments, leading to financial losses for the user. Let's take the QR code payment scenario again. If a user's payment code is obtained by a thief through screenshotting software or taking a photo, the thief can use it to make payments. Furthermore, currently, payment codes are mostly immutable for a long period after generation, meaning they have a certain timeframe. If a thief steals the code, they can use it multiple times within that timeframe to make payments.

[0043] To address the aforementioned technical problems, this specification provides the following solution:

[0044] The receiving device generates verification information for the current target payment transaction and provides the verification information to the paying device. The paying device generates payment information based on the verification information and the payment account information and provides the payment information to the receiving device. After obtaining the payment information, the receiving device verifies the payment information using the locally generated verification information. Only after successful verification will it use the account information carried in the payment information to complete the payment request.

[0045] Based on the above explanation, as Figure 1 As shown in the figure, this specification provides a payment verification method, as follows:

[0046] S101, the receiving device generates verification information for the target payment transaction to be processed and provides the verification information to the payment device;

[0047] In scenarios where the payer provides payment account information for payment, the receiving device typically needs to first obtain information such as the specific payment amount, then wait to acquire the payment account information. After acquiring the payment account information, it establishes a connection with the payment server and completes the payment. The receiving device can determine the payment amount and other information based on the user's input to identify an pending payment transaction. For example, in a payment scenario, either the payer or payee can scan the item to be paid using the receiving device, thus identifying an pending payment transaction. Alternatively, the receiving device can directly input the payment amount or item to be paid, confirming the existence of an pending payment transaction.

[0048] When the receiving device determines that there is a pending target payment transaction, it can generate verification information for that transaction and provide it to the payment device. The generated verification information can be various types of information generated for the target payment transaction. For example, it can be one or more of the following: the current time, the payment amount of the target payment transaction, the payee information of the target payment transaction, or a random number generated based on the current time. Any information that can be used to identify the current target payment transaction can be used as verification information, and this specification does not limit this.

[0049] For example, the verification information generated based on the target payment transaction A could be a random number X generated based on the current time and the payment amount Y of the target payment transaction A. The receiving device can then record the information locally as shown in Table 1.

[0050] Target payment transaction Verification information A X and Y

[0051] Table 1

[0052] The specific method by which the receiving device provides verification information to the payment device will not be detailed here, but can be found in the following content.

[0053] S102, the payment device generates payment information and provides the payment information to the receiving device. The payment information carries: payment account information and the obtained verification information.

[0054] After receiving the verification information from the receiving device, the payment device can generate payment information based on the received verification information. The payment information may include: payment account information, the obtained verification information, and / or other user payment information. After generating the payment information, it can be sent to the receiving device. Referring to the example in S101 above, the payment information can include a verification information random number X and a payment amount Y.

[0055] In one embodiment, the payment information may be a payment QR code, which may be encoded from the account information and the verification information. In other embodiments, the payment information may exist in other forms, which are not limited herein.

[0056] Taking the payment information as a payment QR code as an example, the payment device can display the payment QR code as an image on the interactive interface, so that the receiving device can obtain the payment information by scanning the QR code.

[0057] The payment device can also transmit the payment QR code information to the receiving device via wireless signals, such as through NFC communication technology, so that the receiving device can obtain the payment QR code information and thus obtain the payment information.

[0058] Of course, the payment device can also transmit other forms of payment information to the receiving device wirelessly. For example, instead of encoding it into a payment QR code, the payment information in other forms can be sent directly to the receiving device. This manual does not limit this. Compared with displaying a payment QR code image, wireless transmission is more convenient for users. Users do not need to display a payment code image; they only need to bring the payment device close to the receiving device to complete the payment process, which is more conducive to improving the user experience.

[0059] S103, after obtaining the payment information, the receiving device performs a matching verification using the verification information carried in the payment information and the locally generated verification information; if the verification is successful, the payment request is completed using the account information carried in the payment information.

[0060] After receiving payment information from the payment device, the receiving device can parse the payment information to obtain verification information and payment account information. For example, referring to the example in S102 above, if the payment information is a payment QR code, the receiving device can parse the payment QR code to obtain the verification information and payment account information.

[0061] After obtaining the verification information, the device can retrieve the generated verification information locally and use the verification information carried in the payment information and the locally generated verification information for matching and verification. Combining the examples of S101 and S102 above, the receiving device can determine whether the verification information carried in the payment information is the random number X and payment amount Y corresponding to the target transaction A. If so, the matching and verification is successful.

[0062] If the matching verification is successful, it means that the payment information is used to pay the current target payment transaction. Therefore, the payment request can be completed using the account information carried in the payment information. That is, a connection can be established with the payment server. After the connection is established, the account information carried in the payment information can be sent to the payment server to complete the payment request.

[0063] If the matching verification fails, it means that the payment information does not carry the verification information used to pay the current target payment transaction. It can be directly determined that the payment information is invalid, so the payment account information will not be obtained to further complete the payment request.

[0064] By adopting the technical solution in this specification, since the receiving device generates verification information for the target payment transaction and provides it to the payment device, and the payment device uses this verification information to generate payment information, the payment information provided by the payment device to the receiving device is only for the current target payment transaction. Therefore, even if a thief steals this payment information, they cannot use it to pay for other transactions. For the user, no authentication operation is required, thus ensuring payment efficiency while improving payment security.

[0065] The following describes the specific method by which the receiving device provides verification information to the payment device in S101 above.

[0066] like Figure 2 As shown, in a specific embodiment, the process can be:

[0067] S201, The receiving device generates and broadcasts a first wireless signal carrying verification information;

[0068] In conjunction with S101 above, after determining that there is a target payment transaction to be processed and generating the corresponding verification information, the receiving device can directly generate a first wireless signal carrying the verification information and broadcast the first wireless signal. This wireless signal can be in various forms, such as NFC or Bluetooth.

[0069] S202, after the payment device detects the first wireless signal, it obtains verification information from the first wireless signal.

[0070] In offline payment scenarios, since the payment device and the receiving device are close to each other, the first wireless signal can be detected, and the verification information can be obtained from it.

[0071] like Figure 3 As shown, in another specific embodiment, the process can also be:

[0072] S301, The payment device generates and broadcasts a second wireless signal carrying a request to obtain verification information;

[0073] The payment device can generate a verification information retrieval request and add the verification information retrieval request to a second wireless signal for broadcast.

[0074] In this system, the payment device can generate and broadcast a second wireless signal carrying a verification information acquisition request when it determines that a payment request exists. For example, it can determine that a payment request exists when it detects a user's triggering action. In a QR code payment scenario, it can determine that a payment request exists when it detects a user's display of a payment code.

[0075] The payment device can also generate and broadcast a second wireless signal carrying a verification information request when it detects the presence of a payment device nearby. For example, it can determine the presence of a payment device after detecting the NFC or Bluetooth signal of the payment device.

[0076] S302, after the receiving device detects the second wireless signal, it sends a third wireless signal carrying verification information to the payment device;

[0077] After detecting the second wireless signal broadcast by the payment device, the receiving device can add the payment information corresponding to the target payment transaction to the third wireless signal and send it to the payment device.

[0078] In order to save the processing resources of the payment receiving device, in this embodiment, the payment receiving device may detect the second wireless signal sent by the payment device and then generate verification information for the current target payment transaction to be processed.

[0079] Of course, in other embodiments, verification information may be generated immediately after it is determined that there is a target payment transaction to be processed, and this specification does not limit this.

[0080] S303, the payment device obtains verification information from the third wireless signal.

[0081] The payment device can obtain the verification information from the third wireless signal it receives.

[0082] The above Figure 2 and Figure 3 Neither of the two methods requires any additional action from the payer or payee. The payment and receiving devices can exchange information without the user's awareness, thus ensuring payment efficiency while also improving payment security.

[0083] To more clearly illustrate the scheme in this specification, the implementation method will be explained from one perspective below:

[0084] For the payment terminal, the main tasks to be performed are as follows:

[0085] For the target payment transaction to be processed, generate verification information and provide the verification information to the payment device;

[0086] After obtaining the payment information sent by the payment device, the system performs a matching verification using the verification information carried in the payment information and the locally generated verification information.

[0087] If the verification is successful, the payment request will be completed using the account information carried in the payment information.

[0088] The main tasks that need to be performed for payment devices are as follows:

[0089] Obtain the verification information sent by the payment receiving device;

[0090] Payment information is generated and provided to the payment receiving device, so that the payment receiving device can perform matching verification using the verification information carried in the payment information and locally generated verification information, and complete the payment request using the account information carried in the payment information.

[0091] The technical solution disclosed in this specification is described below with reference to a specific embodiment:

[0092] After shopping at the supermarket, a customer arrives at the checkout counter. The cashier scans each item purchased using a payment device. Once scanned, the device identifies an pending payment transaction and generates verification information, including the current time, transaction amount, and payment account information. This verification information is then broadcast via Bluetooth. The customer's mobile device detects this signal, retrieves the verification information, and generates a payment QR code containing both the verification information and the payment account information. When the customer clicks to display the payment QR code, it is shown on their mobile device. The payment device then scans the QR code to establish a connection with the payment server and complete the payment process.

[0093] As can be seen, since the generated payment QR code can only be used to pay for this specific target payment transaction, even if the victim obtains it through methods such as taking a photo or screenshot, they will not be able to use the payment QR code to pay for other transactions. Therefore, payment security in password-free payment scenarios is improved.

[0094] Corresponding to the aforementioned payment verification method, this specification also provides a payment verification system.

[0095] The receiving device is used to generate verification information for the target payment transaction to be processed and provide the verification information to the payment device;

[0096] A payment device is used to generate payment information and provide the payment information to a receiving device. The payment information carries: payment account information and the obtained verification information.

[0097] The payment receiving device is used to obtain payment information and then perform matching verification using the verification information carried in the payment information and locally generated verification information.

[0098] If the verification is successful, the payment request will be completed using the account information carried in the payment information.

[0099] In one embodiment, the receiving device is specifically configured to generate and broadcast a first wireless signal carrying verification information;

[0100] The payment device is specifically used to obtain verification information from the first wireless signal after detecting the first wireless signal.

[0101] In one embodiment, the payment device is specifically configured to generate and broadcast a second wireless signal carrying a verification information acquisition request;

[0102] The receiving device is specifically used to send a third wireless signal carrying verification information to the payment device after detecting the second wireless signal;

[0103] The payment device is specifically used to obtain verification information from the third wireless signal.

[0104] In one embodiment, the payment information is a payment QR code; the payment QR code is obtained by encoding the account information and the verification information.

[0105] In one embodiment, the payment device is specifically used to obtain the payment information by scanning a QR code.

[0106] like Figure 4 As shown, corresponding to the aforementioned payment verification method, this specification also provides a payment verification device applied to a payment device, the device comprising:

[0107] The verification information providing module 410 is used to generate verification information for the target payment transaction to be processed and provide the verification information to the receiving device.

[0108] The matching and verification module 420 is used to perform matching and verification using the verification information carried in the payment information and the locally generated verification information after obtaining the payment information sent by the payment device.

[0109] If the verification is successful, the payment request will be completed using the account information carried in the payment information.

[0110] like Figure 5 As shown, corresponding to the aforementioned payment verification method, this specification also provides a payment verification device applied to a payment device, the device comprising:

[0111] The verification information acquisition module 510 is used to acquire the verification information sent by the payment receiving device;

[0112] The payment information providing module 520 is used to generate payment information and provide the payment information to the receiving device, so that the receiving device can perform matching verification using the verification information carried in the payment information and locally generated verification information, and complete the payment request using the account information carried in the payment information.

[0113] The specific implementation process of the functions and roles of each component in the above-mentioned equipment can be found in the implementation process of the corresponding steps in the above-mentioned method, and will not be repeated here.

[0114] For the apparatus embodiments, since they basically correspond to the method embodiments, the relevant parts can be referred to in the description of the method embodiments. The apparatus embodiments described above are merely illustrative. Some or all of the modules can be selected to achieve the purpose of the solution in this specification according to actual needs. Those skilled in the art can understand and implement this without creative effort.

[0115] This specification also provides a computer device comprising at least a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor, when executing the program, implements the aforementioned method. This method includes at least the method executed by the payment device and the receiving device described above.

[0116] The methods performed by the payment receiving device include:

[0117] For the target payment transaction to be processed, generate verification information and provide the verification information to the payment device;

[0118] After obtaining the payment information sent by the payment device, the system performs a matching verification using the verification information carried in the payment information and the locally generated verification information.

[0119] If the verification is successful, the payment request will be completed using the account information carried in the payment information.

[0120] The method performed by the payment device includes:

[0121] Obtain the verification information sent by the payment receiving device;

[0122] Payment information is generated and provided to the payment receiving device, so that the payment receiving device can perform matching verification using the verification information carried in the payment information and locally generated verification information, and complete the payment request using the account information carried in the payment information.

[0123] Figure 6This diagram illustrates a more specific hardware structure of a computing device provided in an embodiment of this specification. The device may include a processor 1010, a memory 1020, an input / output interface 1030, a communication interface 1040, and a bus 1050. The processor 1010, memory 1020, input / output interface 1030, and communication interface 1040 are interconnected internally via the bus 1050.

[0124] The processor 1010 can be implemented using a general-purpose CPU (Central Processing Unit), microprocessor, application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of this specification.

[0125] The memory 1020 can be implemented in the form of ROM (Read Only Memory), RAM (Random Access Memory), static storage device, dynamic storage device, etc. The memory 1020 can store the operating system and other applications. When the technical solutions provided in the embodiments of this specification are implemented by software or firmware, the relevant program code is stored in the memory 1020 and is called and executed by the processor 1010.

[0126] The input / output interface 1030 is used to connect input / output modules to realize information input and output. Input / output modules can be configured as components within the device (not shown in the figure) or externally connected to the device to provide corresponding functions. Input devices may include keyboards, mice, touchscreens, microphones, various sensors, etc., while output devices may include displays, speakers, vibrators, indicator lights, etc.

[0127] The communication interface 1040 is used to connect a communication module (not shown in the figure) to enable communication between this device and other devices. The communication module can communicate via wired means (such as USB, Ethernet cable, etc.) or wireless means (such as mobile network, WIFI, Bluetooth, etc.).

[0128] Bus 1050 includes a pathway for transmitting information between various components of the device, such as processor 1010, memory 1020, input / output interface 1030, and communication interface 1040.

[0129] It should be noted that although the above-described device only shows the processor 1010, memory 1020, input / output interface 1030, communication interface 1040, and bus 1050, in specific implementations, the device may also include other components necessary for normal operation. Furthermore, those skilled in the art will understand that the above-described device may only include the components necessary for implementing the embodiments of this specification, and not necessarily all the components shown in the figures.

[0130] This specification also provides a computer-readable storage medium having a computer program stored thereon that, when executed by a processor, implements the aforementioned method. The method includes at least the method performed by the payment device and the receiving device described above.

[0131] The methods performed by the payment receiving device include:

[0132] For the target payment transaction to be processed, generate verification information and provide the verification information to the payment device;

[0133] After obtaining the payment information sent by the payment device, the system performs a matching verification using the verification information carried in the payment information and the locally generated verification information.

[0134] If the verification is successful, the payment request will be completed using the account information carried in the payment information.

[0135] The method performed by the payment device includes:

[0136] Obtain the verification information sent by the payment receiving device;

[0137] Payment information is generated and provided to the payment receiving device, so that the payment receiving device can perform matching verification using the verification information carried in the payment information and locally generated verification information, and complete the payment request using the account information carried in the payment information.

[0138] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0139] As can be seen from the above description of the embodiments, those skilled in the art can clearly understand that the embodiments of this specification can be implemented by means of software plus necessary general-purpose hardware platforms. Based on this understanding, the technical solutions of the embodiments of this specification, 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 storage medium, such as ROM / RAM, magnetic disk, optical disk, etc., and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute the methods described in various embodiments or some parts of the embodiments of this specification.

[0140] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer, which can take the form of a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email sending and receiving device, game console, tablet computer, wearable device, or any combination of these devices.

[0141] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on its differences from other embodiments. In particular, the device embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments. The device embodiments described above are merely illustrative. The modules described as separate components may or may not be physically separate. When implementing the embodiments of this specification, the functions of each module can be implemented in one or more software and / or hardware. Alternatively, 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 creative effort.

[0142] The above description is merely a specific implementation of the embodiments of this specification. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principles of the embodiments of this specification, and these improvements and modifications should also be considered within the protection scope of the embodiments of this specification.

Claims

1. A payment verification method, comprising: For a target password-free payment transaction, the receiving device generates verification information to identify the target password-free payment transaction and provides the verification information to the payment device via a wireless signal; The payment device generates payment information and provides it to the receiving device. The payment information includes: payment account information and the obtained verification information. After obtaining the payment information, the payment receiving device uses the verification information carried in the payment information and the locally generated verification information to perform matching and verification. If the verification is successful, the target password-free payment transaction will be completed using the account information carried in the payment information.

2. The method according to claim 1, wherein the receiving device provides verification information to the payment device via a wireless signal, comprising: The payment device generates and broadcasts a first wireless signal carrying verification information; After detecting the first wireless signal, the payment device obtains verification information from the first wireless signal.

3. The method according to claim 1, wherein the receiving device provides verification information to the payment device via a wireless signal, comprising: The payment device generates and broadcasts a second wireless signal carrying a request to obtain verification information; After detecting the second wireless signal, the receiving device sends a third wireless signal carrying verification information to the payment device. The payment device obtains verification information from the third wireless signal.

4. The method according to claim 1, The payment information is a payment QR code; the payment QR code is obtained by encoding the account information and the verification information.

5. The method according to claim 4, The payment receiving device obtains payment information, including: The payment device obtains the payment information by scanning a QR code.

6. The method according to claim 1 or 4, The payment receiving device obtains payment information, including: The receiving device obtains payment information provided by the payment device via wireless signal.

7. The method according to claim 1, The verification information includes one or more of the following: current time, payment amount of the target password-free payment transaction, recipient information of the target password-free payment transaction, and a random number generated based on the current time.

8. A payment verification method, applied to a payment receiving device, comprising: For a target password-free payment transaction, verification information is generated to identify the target password-free payment transaction, and the verification information is provided to the payment device via a wireless signal; After obtaining the payment information sent by the payment device, the system performs a matching verification using the verification information carried in the payment information and the locally generated verification information. If the verification is successful, the target password-free payment transaction will be completed using the account information carried in the payment information.

9. A payment verification method, applied to a payment device, comprising: Obtain the verification information sent by the payment device via wireless signal; The verification information is the verification information generated by the payment device for the target password-free payment transaction to identify the target password-free payment transaction; Payment information is generated and provided to the payment receiving device, so that the payment receiving device can perform a matching verification using the verification information carried in the payment information and locally generated verification information, and complete the target password-free payment transaction using the account information carried in the payment information if the verification is successful.

10. A payment verification system, comprising: The receiving device is used to generate verification information to identify the target password-free payment transaction for the target transaction, and to provide the verification information to the payment device via a wireless signal; A payment device is used to generate payment information and provide the payment information to a receiving device. The payment information carries: payment account information and the obtained verification information. The payment receiving device is used to obtain payment information and then perform matching verification using the verification information carried in the payment information and locally generated verification information. If the verification is successful, the target password-free payment transaction will be completed using the account information carried in the payment information.

11. A payment verification device, applied to a payment receiving device, comprising: The verification information providing module is used to generate verification information to identify the target password-free payment transaction for the target password-free payment transaction, and to provide the verification information to the payment device via a wireless signal; The matching and verification module is used to perform matching and verification using the verification information carried in the payment information and the locally generated verification information after obtaining the payment information sent by the payment device. If the verification is successful, the target password-free payment transaction will be completed using the account information carried in the payment information.

12. A payment verification device, applied to a payment device, comprising: The verification information acquisition module is used to acquire verification information sent by the payment device via wireless signal; The verification information is the verification information generated by the payment device for the target password-free payment transaction to identify the target password-free payment transaction; The payment information providing module is used to generate payment information and provide the payment information to the receiving device, so that the receiving device can perform matching verification using the verification information carried in the payment information and locally generated verification information, and complete the target password-free payment transaction using the account information carried in the payment information if the verification is successful.

13. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein, When the processor executes the program, it implements the method as described in any one of claims 8 or 9.

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