A distributed payment method, system and electronic device

Abstract

The application provides a distributed payment method, system and electronic equipment, which comprises the following steps: acquiring a first payment capability, wherein the first payment capability is used for representing the capability of processing a payment instruction possessed by a first payment terminal; receiving a second payment capability sent by a second payment terminal, wherein the second payment capability is used for representing the capability of processing a payment instruction possessed by the second payment terminal, and the second payment terminal is a payment terminal which is connected with the first payment terminal in a distributed mode; constructing a payment capability list based on the first payment capability and the second payment capability; when the payment instruction is received, taking the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal; and controlling the target payment terminal to process the payment instruction. The application avoids the hardware integration of a single payment terminal, brings more flexible expansion payment modes to a financial payment terminal, and has strong applicability.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of financial payment, and in particular to a distributed payment method, system and electronic device. BACKGROUND

[0002] With the development of digital technology, users have more and more diverse payment methods for financial payment terminals (such as POS terminals), such as IC card payment, NFC / contactless payment, magnetic stripe card payment, QR code payment, facial recognition payment, palm print payment, and the like.

[0003] However, in the related art, if a financial payment terminal needs to integrate multiple payment methods, all hardware modules corresponding to the payment methods need to be integrated in one financial payment terminal. This approach not only causes the internal system of the financial payment terminal to become increasingly bloated and the module management to become complex, but also makes it impossible for the financial payment terminal to adaptively expand in response to the diversification and randomness of user payment requirements, and the financial payment terminal lacks flexibility and applicability in providing payment methods. SUMMARY

[0004] The present application solves the technical problem of providing a distributed payment method, system and electronic device, which brings more flexible expansion of payment methods to financial payment terminals and has strong applicability.

[0005] To solve the above technical problems, the technical solution adopted by the present application is as follows:

[0006] A distributed payment method for a first payment terminal, the method comprising:

[0007] obtaining a first payment capability, the first payment capability being used to represent the capability of the first payment terminal to process a payment instruction;

[0008] receiving a second payment capability sent by a second payment terminal, the second payment capability being used to represent the capability of the second payment terminal to process a payment instruction, the second payment terminal being a payment terminal that establishes a distributed connection with the first payment terminal;

[0009] constructing a payment capability list based on the first payment capability and the second payment capability;

[0010] when the payment instruction is received, taking the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal;

[0011] controlling the target payment terminal to process the payment instruction.

[0012] To solve the above technical problems, another technical solution adopted by the present application is as follows:

[0013] A distributed payment system comprises a first payment terminal and a second payment terminal, the second payment terminal establishes a distributed connection with the first payment terminal;

[0014] The first payment terminal is used for:

[0015] obtaining a first payment capability, the first payment capability is used for representing a capability of processing a payment instruction possessed by the first payment terminal;

[0016] receiving a second payment capability sent by the second payment terminal, the second payment capability is used for representing a capability of processing the payment instruction possessed by the second payment terminal;

[0017] constructing a payment capability list based on the first payment capability and the second payment capability;

[0018] when the payment instruction is received, taking a payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal;

[0019] controlling the target payment terminal to process the payment instruction.

[0020] In order to solve the above technical problems, another technical solution adopted by the present application is:

[0021] An electronic device comprises a memory, a processor and a computer program stored in the memory and running on the processor, and the processor implements each step in the above-mentioned distributed payment method when executing the computer program.

[0022] The present application has the beneficial effects that: by obtaining the first payment capability of the first payment terminal and the second payment capability of the second payment terminal, and constructing a payment capability list based on the first payment capability and the second payment capability, the payment capabilities of all payment terminals in the distributed connection are obtained; based on this, when the first payment terminal receives the payment instruction, the payment terminal corresponding to the payment instruction in the payment capability list is taken as the target payment terminal; and the target payment terminal is controlled to process the payment instruction. Through the above method, the payment capabilities between multiple payment terminals are shared. The multiple payment terminals in the present application are connected in a distributed manner, so that the payment capabilities of multiple payment terminals can be integrated in the distributed network, thereby realizing the interaction and control between different payment terminals, avoiding the hardware integration of a single payment terminal, bringing more flexible expansion payment methods to the financial payment terminal, and having strong applicability. BRIEF DESCRIPTION OF DRAWINGS

[0023] Figure 1 It is a system architecture schematic diagram of the financial payment terminal in the related art;

[0024] Figure 2A step flow chart of a distributed payment method of an embodiment of the present application;

[0025] Figure 3 A distributed interaction schematic diagram of a distributed payment method of an embodiment of the present application;

[0026] Figure 4 An architecture schematic diagram of a distributed payment system of an embodiment of the present application;

[0027] Figure 5 A structure schematic diagram of an electronic device of an embodiment of the present application. DETAILED DESCRIPTION

[0028] In order to make the technical problems to be solved, technical solutions and beneficial effects of the present application clearer, the present application will be further described in detail below with reference to the drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application, and are not used to limit the present application.

[0029] In the following description, for the purpose of explanation and not limitation, specific details are set forth, such as specific system structures, techniques, etc., in order to thoroughly understand the embodiments of the present application. However, it should be clear to those skilled in the art that the present application can also be implemented in other embodiments without these specific details. In other cases, detailed descriptions of well-known systems, devices, circuits and methods are omitted so as not to obscure the description of the present application with unnecessary details.

[0030] It should be understood that when used in the specification and the appended claims of the present application, the term "comprising" indicates the presence of the described features, integers, steps, operations, elements, and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and / or groups thereof.

[0031] In the present application, the reference to "one embodiment" or "some embodiments" means that the specific features, structures or characteristics described in connection with the embodiment are included in one or more embodiments of the present application. Therefore, the statements "in one embodiment", "in some embodiments", "in other some embodiments", "in other some embodiments" and the like appearing in different places in the specification are not necessarily all referring to the same embodiment, but mean "one or more but not all embodiments", unless otherwise specifically emphasized. The terms "comprise", "include", "have" and their variants mean "including but not limited to", unless otherwise specifically emphasized.

[0032] Reference Figure 1In the related art, the operating system built in the financial payment terminal is mainly based on Android, Linux or RTOS. Based on the traditional operating system, when a financial payment terminal integrates multiple payment methods, it needs to configure hardware modules corresponding to all payment methods on the financial payment terminal. Figure 1 To integrate multiple payment methods, the corresponding financial terminal is configured with IC card payment, two-dimensional code payment, NFC payment, face payment, magnetic card payment and palm print payment. This hardware configuration method causes the internal system of the financial payment terminal to be bloated, and the module management is complex. For the diversification and randomness of user payment demand, it cannot be adaptively expanded, and lacks flexibility in payment processing.

[0033] For example, if the financial payment terminal has integrated a card payment method, the financial payment terminal system should be configured with a card payment corresponding card reader. In this case, if the user wants to pay by two-dimensional code at this time, the financial payment terminal cannot accept the user's payment business; if the financial payment terminal wants to accept the user's payment business, a two-dimensional code payment corresponding code scanner must be added to the financial payment terminal. Therefore, the hardware devices of the internal system of the financial payment terminal increase with the increase in the number of integrated payment methods, and cannot adaptively meet the user's payment demand. It cannot be adaptively expanded to provide payment methods, and lacks flexibility and applicability in the method of providing payment methods. Moreover, increasing hardware devices will increase costs.

[0034] To solve the above problems, the present application provides a distributed payment method, system and electronic device. It should be noted that the first payment terminal and the second payment terminal of the present application can be cash registers, POS machines, face recognition payment terminals, fingerprint recognition payment terminals, palm print recognition payment terminals and other terminals with financial payment capabilities.

[0035] The distributed payment method of the present application will be described in detail below.

[0036] Please refer to Figure 2 The embodiment of the present application provides a distributed payment method for a first payment terminal, which comprises steps S110-S150.

[0037] Step S110: Obtain the first payment capability, which is used to represent the capability of the first payment terminal to process payment instructions.

[0038] The first payment terminal itself can also have certain payment capabilities. For example, when the first payment terminal is a payment terminal with code scanning payment capability, the first payment capability corresponds to the code scanning payment capability. When the first payment terminal is a face payment terminal, the first payment capability corresponds to the face payment capability.

[0039] In one embodiment, the first payment terminal can also be a payment terminal without payment capability. For example, the first payment terminal is a cash register without payment capability, which needs to complete payment through a peripheral hardware device with payment capability. In this case, the first payment capability obtained in step S110 is null.

[0040] Step S120: receiving a second payment capability sent by a second payment terminal, the second payment capability representing the processing payment instruction capability of the second payment terminal, and the second payment terminal being a payment terminal connected to the first payment terminal in a distributed manner.

[0041] The second payment terminal of the present application is a payment terminal with payment capability. Therefore, when the first payment terminal is connected to the second payment terminal in a distributed manner, the first payment terminal can receive the second payment capability sent by the second payment terminal, which represents the processing payment instruction capability of the second payment terminal. For example, when the second payment terminal is a code scanning payment terminal, the corresponding second payment capability is code scanning payment capability. In the present application, the first payment terminal is connected to at least one second payment terminal, so that the first payment terminal can receive the second payment capability of the at least one second payment terminal.

[0042] The difference between the second payment terminal and the first payment terminal is that the second payment terminal has payment capability, while the first payment terminal can not have payment capability, such as the cash register without payment capability in step S110.

[0043] Step S130: constructing a payment capability list based on the first payment capability and the second payment capability.

[0044] After obtaining the first payment capability and receiving the second payment capability, the first payment terminal of the present application can construct a payment capability list based on the first payment capability and the second payment capability. Through the payment capability list, the first payment terminal can collect the payment capabilities of all the second payment terminals connected thereto and the payment capability of the first payment terminal itself.

[0045] Step S140: when a payment instruction is received, taking the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal.

[0046] The payment instruction is a payment request instruction received by the first payment terminal. For example, when the first payment terminal is a cash register, the merchant can initiate payment by inputting goods and amount on the cash register, or can also initiate a payment request remotely. In this case, the first payment terminal will receive the payment instruction.

[0047] The payment instruction includes at least the payment capability information. The first payment terminal can determine the target payment terminal as the payment terminal corresponding to the payment capability information in the payment instruction based on the payment capability information in the payment instruction.

[0048] Step S150: The target payment terminal processes the payment instruction.

[0049] After the target payment terminal is determined, the first payment terminal can control the target payment terminal to process the payment instruction, thereby completing the payment process.

[0050] The present application obtains the first payment capability of the first payment terminal and the second payment capability of the second payment terminal, and constructs a payment capability list based on the first payment capability and the second payment capability, thereby obtaining the payment capabilities of all payment terminals in the distributed connection. Based on this, when the first payment terminal receives a payment instruction, the payment terminal corresponding to the payment instruction in the payment capability list is determined as the target payment terminal, and the target payment terminal is controlled to process the payment instruction. In this way, the payment capabilities among multiple payment terminals are shared, and the interaction and control among different payment terminals are realized. The method of the present application can effectively simplify the hardware system of the payment terminal. Each payment terminal only needs to be configured with one or several corresponding payment modules, and can perform the corresponding payment business without the need to configure other payment modules, thereby effectively reducing the production cost of the payment terminal. At the same time, for the random payment needs of the user, the corresponding payment terminal in the distributed connection can be called to perform the payment needs, without the need to increase the system configuration of the payment terminal, thereby bringing more flexible expansion payment methods to the financial payment terminal, and having strong applicability.

[0051] Reference Figure 3In an embodiment of the present application, the first payment terminal can be payment terminal 1, and the second payment terminal can be payment terminal 2, which are in distributed interactive connection. The payment capabilities of payment terminal 1 include IC card payment, NFC payment and magnetic stripe card payment, and the payment capabilities of payment terminal 2 include two-dimensional code payment, face payment and palm print payment. On this basis, payment terminal 1 and payment terminal 2 are in distributed interaction based on Openharmoy OS, so as to process the corresponding payment instructions through a distributed payment method of the present application. For example, payment terminal 1 obtains first payment capabilities including IC card payment, NFC payment and magnetic stripe card payment, and receives second payment capabilities including two-dimensional code payment, face payment and palm print payment. And a payment capability list is constructed therefrom, which contains IC card payment, NFC payment, magnetic stripe card payment, two-dimensional code payment, face payment and palm print payment; when receiving a payment instruction of face payment, the second payment terminal corresponding to the face payment in the payment capability list is taken as the target payment terminal, and payment terminal 1 can control payment terminal 2 to process the payment instruction and complete the payment process.

[0052] In an embodiment of the present application, in step S130, the method of constructing the payment capability list based on the first payment capability and the second payment capability can include:

[0053] obtaining the first financial ID and the second financial ID;

[0054] constructing the payment capability list based on the first payment capability, the second payment capability and the corresponding first financial ID and second financial ID.

[0055] In the embodiment, the first payment terminal obtains the first financial ID and the second financial ID while obtaining the first payment capability and the second payment capability, the first financial ID is used to represent the code of the first payment terminal, and the second financial ID is used to represent the code of the second payment terminal. The payment capability list is constructed based on the first payment capability, the second payment capability and the corresponding first financial ID and second financial ID. As shown in Table 1, it is an illustrative payment capability list.

[0056] Table 1 payment capability list

[0057] Payment ability Financial ID Scan code UF10, UF20… Face recognition UF30, UF40… Card swiping UF50, UF60… Digital RMB UF70, UF80…

[0058] As shown in Table 1, the payment terminals with financial IDs UF10 and UF20 have the payment capability of "scanning code", and the payment terminals with financial IDs UF30 and UF40 have the payment capability of "face payment". Through the payment capability list, the first payment terminal collects the payment capabilities of all the second payment terminals connected thereto and the payment capabilities of the first payment terminal itself.

[0059] In an embodiment of the present application, in step S140, the method of taking the payment terminal corresponding to the payment instruction in the payment capability list as the target payment terminal can be: when the corresponding payment method information in the payment instruction is "face payment", searching for the payment terminal with matching payment capability and payment method information in the payment capability list, i.e. searching for the corresponding payment terminals UF30 and UF40 in the financial ID corresponding to the payment capability list "face payment". At this time, both payment terminals UF30 and UF40 can be the target payment terminal.

[0060] The present application can accurately distinguish the corresponding second payment terminal through the financial ID, avoiding payment disorder when the number of second payment terminals is large.

[0061] In an embodiment of the present application, in step S140, the method of taking the payment terminal corresponding to the payment instruction in the payment capability list as the target payment terminal includes steps S210-S250.

[0062] Step S210: parsing the payment instruction to obtain payment method information.

[0063] The payment method information here is the same as the payment capability information described above, and the payment method information can be used to determine the payment method required by the payment instruction. For example, when the user requires to pay by scanning the code, the payment method information is scanning code payment.

[0064] Step S220: matching the payment method information with the first payment capability.

[0065] In order to improve the processing efficiency of payment, the present application first matches the payment method information with the first payment capability when performing payment, so that it can be known whether the first payment terminal itself has the ability to process the payment instruction.

[0066] Step S230: taking the first payment terminal as the target payment terminal when the matching is successful.

[0067] If the payment method information of the payment instruction matches the first payment capability successfully, it means that the first payment terminal can process the payment instruction, and at this time the first payment terminal is directly taken as the target payment terminal.

[0068] Step S240: when the matching fails, searching for the second payment capability in the payment capability list that matches the payment method information.

[0069] If the payment mode information of the payment instruction fails to match the first payment capability, it indicates that the first payment terminal cannot process the payment instruction, and thus a target payment terminal needs to be selected from the second payment terminals to find a second payment capability in the payment capability list that matches the payment mode information.

[0070] Step S250: taking the second payment terminal that matches the payment mode information as the target payment terminal.

[0071] As can be seen from the above embodiment, the payment instruction contains the payment mode information specified by the user. When the first payment capability of the first payment terminal itself matches the payment mode information, the first payment terminal is taken as the target payment terminal to process the current payment instruction, and there is no need to call the second payment terminal to process the payment instruction, thereby reducing the data processing time. When the first payment capability of the first payment terminal does not match the payment mode information, a second payment terminal that matches the payment mode information is found from the payment capability list as the target payment terminal, and in this way, the payment capability of all the payment terminals in the distributed connection is shared. In this case, even if the first payment terminal hardware system is not equipped with a corresponding module and cannot complete the current payment instruction, the second payment terminal with the corresponding module can be called to process the current payment instruction, and there is no need to change the hardware facilities of the first payment terminal, thereby effectively improving the payment flexibility of the payment terminal.

[0072] When the local terminal has the capability to process the payment instruction, the local terminal is taken as the target terminal to process the payment instruction, thereby saving the processing time. When the local terminal does not have the capability to process the payment instruction, the second payment terminal is taken as the target terminal to process the payment instruction, thereby improving the payment flexibility and applicability of the payment terminal.

[0073] In an embodiment of the present application, the first payment terminal can select at least one payment terminal from the second payment terminals that match the payment mode information as the target payment terminal according to a preset priority selection strategy. The preset priority selection strategy can be set in advance and customized by the merchant.

[0074] In an embodiment of the present application, the step S140 can include a method of selecting at least one payment terminal from the second payment terminals that match the payment instruction in the payment capability list as the target payment terminal according to a preset priority selection strategy. In this case, the preset priority selection strategy can include a distance priority strategy, and the method includes steps S1400-S1402.

[0075] Step S1400: obtaining distance information of all the second payment terminals from the first payment terminal.

[0076] When the distributed connection is established between the second payment terminal and the first payment terminal, the second payment terminal can synchronize its own position information to the first payment terminal, so that the first payment terminal can calculate the distance information of each second payment terminal and the first payment terminal according to the position information of the second payment terminal and the position information of the first payment terminal itself.

[0077] Therefore, the first payment terminal of the present application can obtain the distance information of all second payment terminals and the first payment terminal according to the previously established distributed connection. For example, the second payment terminal is beside the first payment terminal, and its position information is 0.1 meters, and when it is far away, it can be 5 meters.

[0078] Step S1402: Selecting a payment terminal with the smallest distance information as the target payment terminal in the second payment terminal.

[0079] When the distance information of all second payment terminals and the first payment terminal is obtained, a payment terminal with the smallest distance information can be selected as the target payment terminal. In this way, the customer and the merchant can greatly facilitate the payment process when performing payment processing.

[0080] In an embodiment of the present application, if the customer or the merchant initiates the target payment request through a remote device, the first payment terminal can also obtain the position information of the remote device corresponding to the device initiating the target payment request. Correspondingly, the first payment terminal can implement steps S1410-S1412.

[0081] Step S1410: Obtaining the distance information of all second payment terminals and the remote device.

[0082] Step S1412: Selecting a payment terminal with the smallest distance information from the remote device as the target payment terminal in the second payment terminal.

[0083] The scenario can be that when the customer or the merchant places an order through an APP or a designated device at a remote place, the order is transmitted wirelessly to the first payment terminal far away from the customer or the merchant, for example, the user scans the code on the table to place an order, and the order is transmitted wirelessly to the cash register at the front desk. At this time, the user's mobile phone can be used as a remote device. At this time, the first payment terminal can obtain the distance information of all second payment terminals and the remote device, and select a payment terminal with the smallest distance information from the remote device as the target payment terminal in the second payment terminal. Correspondingly, a payment terminal closest to the customer or the merchant can be selected as the target payment terminal.

[0084] As can be known from the description of steps S1400-S1402 or steps S1410-S1412, the second payment terminal with the minimum distance from the first payment terminal is selected as the target payment terminal according to the distance priority strategy, so as to ensure the connection stability of the first payment terminal and the target payment terminal. Meanwhile, the second payment terminal and the user in front of the first payment terminal who needs to perform the payment service are ensured to be in the same position, so as to ensure the real-time interaction between the payment terminal and the user, and greatly improve the convenience of the merchant or the customer payment.

[0085] In an embodiment of the present application, the preset priority selection strategy can include a feature priority strategy, and the method includes steps S1420-S1424.

[0086] Step S1420: Obtain the preset standard feature information in the terminal priority strategy, and the standard feature information includes at least one of environment feature information, security feature information or device feature information.

[0087] When the first payment terminal searches for the second payment capability matching the payment method information in the payment capability list, a pop-up window is displayed on the display screen corresponding to the first payment terminal to remind the user to set the standard feature information.

[0088] Step S1422: Obtain the terminal feature information of the second payment terminal.

[0089] When the second payment terminal and the first payment terminal construct a distributed connection, the second payment terminal can synchronize its own terminal feature information to the first payment terminal.

[0090] Step S1424: Select the payment terminal with the terminal feature information matching the standard feature information as the target payment terminal from the plurality of second payment terminals.

[0091] As can be known from the description of steps S1420-S1424, since there can be too many second payment terminals in the process of determining the target payment terminal, the second payment terminal with the terminal feature information matching the standard feature information is selected as the target payment terminal by obtaining the standard feature information preset by the user, so as to improve the speed of the first payment terminal searching for the target payment terminal, and thus ensure the processing speed of the first payment terminal for the payment instruction.

[0092] In an embodiment of the present application, in step S150, the method for controlling the target payment terminal to process the payment instruction includes steps S310-S330.

[0093] Step S310: When the target payment terminal is the first payment terminal, the first payment capability is called to process the payment instruction, and a payment result is returned.

[0094] Step S320: When the target payment terminal is the second payment terminal, a payment instruction and a trigger instruction are sent to the second payment terminal, and the trigger instruction is used to instruct the second payment terminal to call the second payment capability to process the payment instruction.

[0095] The trigger instruction is used to start a preset interface, and the distributed middleware is called through the preset interface to establish a connection with the first payment terminal. After the connection is established, the second payment capability corresponding to the second payment terminal is called to process the payment instruction. For example, the second payment terminal starts an ability interface (ability interface) in response to the trigger instruction. Ability is the smallest scheduling unit of a distributed system and is also the smallest migration unit of the system between different devices. The second payment terminal can call the distributed middleware through the ability interface to call the second payment capability to process the payment instruction. The distributed middleware and the ability interface are pre-set in the payment terminal and are used as tools for the second payment terminal to realize distributed connection with the first payment terminal.

[0096] Step S330: The payment result fed back by the second payment terminal is received.

[0097] As can be seen from the above embodiment, when the target payment terminal is the first payment terminal, the first payment capability can be directly called to complete the payment instruction, and the corresponding payment result is returned to complete the payment process. In this way, the processing efficiency of the payment process is ensured. When the target payment terminal is the second payment terminal, the second payment capability of the second payment terminal is called to process the current payment instruction by sending a payment instruction and a trigger instruction, and the payment result fed back by the second payment terminal is received. In this way, the payment process is completed by calling the second payment terminal through the first payment terminal, the payment flexibility of the payment terminal is improved, and the scene applicability of the payment terminal is expanded.

[0098] In the application scenario of financial payment, the security of the system in which the payment terminal is located is particularly important. In related technologies, security authentication is performed in a local connection or cloud connection system by using a commercial asymmetric vendor key and a corresponding certificate to complete identity authentication and establish a secure channel in a near-field protocol similar to TLS (Transport Layer Security). However, for a distributed system, the devices in the system are not directly connected, so this method cannot be used for security authentication.

[0099] It should be noted that the following steps for security authentication and establishment of a secure channel are applicable to the case where the second payment terminal is used as the target payment terminal. If the first payment terminal is used as the target payment terminal, the first payment terminal itself can directly call the first payment capability to process the payment instruction, and the process of establishing security authentication can be omitted.

[0100] To solve the above problems, in one embodiment of the present application, before step S140, the method further comprises steps S410-S430.

[0101] Step S410: securely authenticating each second payment terminal in the payment capability list.

[0102] Step S420: if the secure authentication fails, after deleting the second payment terminal with failed secure authentication from the payment capability list, performing step S140.

[0103] Step S430: if the secure authentication succeeds, performing step S140.

[0104] As can be seen from the above embodiment, in the economic payment scenario, the security of the payment terminal is particularly important, so the second payment terminal should be authenticated for device security before the payment terminal corresponding to the payment instruction in the payment capability list is taken as the target payment terminal, to ensure the security of the distributed connection of the payment terminal, improve the security index of the payment environment, and ensure the data security of the user. The above method authenticates all second payment terminals before determining the target payment terminal, and in the case that the system computing power is sufficient, the method can more comprehensively exclude unsafe second payment terminals, to ensure the security of the system computing power and the timeliness of instruction processing.

[0105] In one embodiment of the present application, after step S150, the method further comprises steps S510-S530.

[0106] Step S510: securely authenticating the target payment terminal.

[0107] Step S520: if the secure authentication fails, deleting the target payment terminal with failed secure authentication from the payment capability list, if there is still a target payment terminal after deleting the target payment terminal with failed secure authentication, performing step S150; if there is no target payment terminal after deleting the target payment terminal with failed secure authentication, returning a feedback result of no available terminal.

[0108] When receiving the feedback result of no available terminal, adjusting the connection distance of the distributed connection of the first payment terminal and the second payment terminal.

[0109] In order to improve the search speed of the target payment terminal, the merchant can set the connection distance of the distributed connection in advance, for example, the first payment terminal is connected to the payment terminal within 20 meters. However, if the target payment terminal is not found in the payment terminals within 20 meters, the connection distance of the distributed connection between the first payment terminal and the second payment terminal needs to be adjusted, for example, the distance is adjusted to 50 meters, so that the payment process can be completed and the applicability is improved.

[0110] From the above description, when there is no available terminal, the search range of the distributed connection can be adjusted to continue to search for other second payment terminals, so as to find the target payment terminal matching the payment capability and payment method information in the other second payment terminals, effectively expand the payment method available to the first payment terminal, and realize resource sharing and cooperative work of multiple payment terminals in a large range.

[0111] Step S530: If the security authentication is successful, step S150 is performed.

[0112] From the above embodiment, when the timeliness requirement of the instruction processing is not high, the security authentication of the target payment terminal can be performed after the target payment terminal is determined, so as to reduce the demand for system computing power and improve the security.

[0113] In an embodiment of the present application, in step S410, the method for performing security authentication on each second payment terminal in the payment capability list includes steps S610-S630.

[0114] Step S610: An authentication instruction is sent to each second payment terminal in the payment capability list, and the authentication instruction is used to instruct the second payment terminal to generate a device identity.

[0115] The device identity can be an asymmetric public-private key pair, a commercial manufacturer key, or derived from the commercial manufacturer key.

[0116] Step S620: When the device identity matches the preset identity, the security authentication is successful.

[0117] Step S630: When the device identity does not match the preset identity, the security authentication fails.

[0118] For example, when the preset identity is a UnionPay device, the authentication instruction is sent to each second payment terminal in the payment capability list. One of the second payment terminals generates a device identity as a UnionPay device identity, and another second payment terminal generates a device identity as a network connection device identity. The second payment terminal with the device identity as the network connection device identity fails in the security authentication. The second payment terminal with the device identity as the UnionPay device identity succeeds in the security authentication. In this way, the device type of the second payment terminal can be effectively screened, the data transmission legality between the first payment terminal and the second payment terminal is ensured, and the data transmission error caused by the inconsistent device types is avoided.

[0119] As known from the above embodiment, the second payment terminal generates a unique device identity for accurate distinction, facilitates the management and data transmission of the distributed connection, and avoids the problem of terminal management confusion.

[0120] The above method is also applicable to the security authentication of the target payment terminal in step S510, and details are not repeated here.

[0121] In an embodiment of the present application, before step S140, the method further includes steps S710-S750.

[0122] Step S710: Obtain the service capability of each second payment terminal in the payment capability list. The service capability includes other capabilities of the second payment terminal in addition to the corresponding payment capability.

[0123] The service capability can be other capabilities of the second payment terminal in addition to the corresponding payment capability. For example, the service capability can be a transfer remittance service, an account information query service, a large amount payment capability, and other capabilities for financial payment processing.

[0124] Step S720: Generate the service identity of each second payment terminal based on the service capability.

[0125] The service identity can be an asymmetric public-private key pair, a commercial manufacturer key, or derived from the commercial manufacturer key. For example, when the second payment terminal has a large amount payment (more than 5000 yuan) capability, the corresponding service identity of the large amount payment capability can be generated.

[0126] Step S730: Analyze the payment instruction to obtain the target identity.

[0127] The target identity of the payment instruction can be the payment information carried by the payment instruction, for example, the amount of the payment.

[0128] Step S740: If the service identity and the target identity do not match, the second payment terminal whose service identity and target identity do not match is deleted from the payment capability list, and step S140 is performed.

[0129] For example, when the large-amount payment identity is not included in the service identity, and the large-amount payment identity is included in the target identity, the two do not match, and the second payment terminal which does not include the large-amount payment identity needs to be deleted.

[0130] Step S750: If the service identity and the target identity match, step S140 is performed.

[0131] As can be seen from the above embodiment, for all the payment terminals in the distributed connection, the payment terminals are not directly connected, and therefore, in the connection process, the different service identities of the second payment terminals are generated based on different service capabilities of the second payment terminals, and the management services of the different payment terminals can be isolated.

[0132] The above steps can also be performed before step S150, that is, after the target payment terminal is determined, the template payment terminal whose service identity and target identity do not match is filtered out from the target payment terminal, and details are not repeated here.

[0133] In an embodiment of the present application, in step S150, the method for controlling the target payment terminal to process the payment instruction includes steps S810-S830.

[0134] Step S810: When the target payment terminal is the second payment terminal, a first authentication code sent by the second payment terminal is acquired. The first authentication code can be a PIN code.

[0135] Step S820: When the first authentication code and a preset authentication code are consistent, an encrypted channel is established with the target payment terminal.

[0136] Step S830: The payment instruction and a trigger instruction are sent to the target payment terminal through the encrypted channel, and the trigger instruction is used to instruct the second payment terminal to call the second payment capability to process the payment instruction.

[0137] The steps S810-S830 of the present application specifically disclose the process of data transmission between the first payment terminal and the second payment terminal. The above steps S810-S830 are performed before step S610 or step S710, the device identity or the service identity is transmitted through the encrypted channel, the point-to-point communication connection is completed, and the security of data transmission is ensured.

[0138] From the above embodiments, the encrypted channel is established based on the first authentication code of the second payment terminal, the security of data transmission is ensured, the payment instruction and the trigger instruction are sent to the target payment terminal through the encrypted channel, the target payment terminal is called to process the payment instruction, and the security of distributed connection data is ensured.

[0139] In an embodiment of the present application, before step S830, step S910 is further included.

[0140] Step S910: sending an authority instruction to the target payment terminal, the authority instruction including an authority range, and the authority instruction being used to instruct the target payment terminal to process the payment instruction based on the authority range.

[0141] The authority instruction is the authority range given by the first payment terminal to the target payment terminal, for example, the first payment terminal grants a specific device to support only small payment or only process payment initiated by a member card, etc.

[0142] Through the scheme, the authority of the target payment terminal can be further determined, so as to improve the payment security.

[0143] Please refer to Figure 4 Another embodiment of the present application provides a distributed payment system, including a first payment terminal and a second payment terminal, the second payment terminal being connected with the first payment terminal in a distributed manner.

[0144] The first payment terminal is used to:

[0145] acquire a first payment capability, the first payment capability being used to represent the capability of processing a payment instruction possessed by the first payment terminal;

[0146] receive a second payment capability sent by the second payment terminal, the second payment capability being used to represent the capability of processing a payment instruction possessed by the second payment terminal;

[0147] construct a payment capability list based on the first payment capability and the second payment capability;

[0148] when receiving a payment instruction, take the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal;

[0149] control the target payment terminal to process the payment instruction.

[0150] Wherein, the first payment terminal and the second payment terminal in the distributed payment system correspond to the content disclosed in the above part, which will not be repeated here.

[0151] From the above description, the beneficial effects of the present application are that: by acquiring the first payment capability of the first payment terminal and the second payment capability of the second payment terminal, and constructing a payment capability list based on the first payment capability and the second payment capability, the payment capabilities of all payment terminals in the distributed connection are obtained; based on this, when the first payment terminal receives a payment instruction, the payment terminal corresponding to the payment instruction in the payment capability list is taken as a target payment terminal; and the target payment terminal is controlled to process the payment instruction. Through the above method, the payment capabilities between multiple payment terminals are shared. The multiple payment terminals in the present application are distributedly connected, so that the payment capabilities of the multiple payment terminals can be integrated in the distributed network, thereby realizing the interaction and control between different payment terminals, avoiding the hardware integration of a single payment terminal, bringing more flexible expansion payment methods to the financial payment terminal, and having strong applicability.

[0152] Please refer to Figure 5 In another embodiment of the present application, an electronic device 200 is provided, which comprises a memory 201, a processor 202, and a computer program stored in the memory 201 and running on the processor 202, wherein the processor 202 implements each step of the above-mentioned distributed payment method when executing the computer program.

[0153] Among them, the distributed payment method has been disclosed in the above part, and will not be repeated here.

[0154] From the above description, the beneficial effects of the present application are that: multiple payment terminals are distributedly connected, so that the payment capabilities of the multiple payment terminals can be integrated in the distributed network, thereby realizing the interaction and control between different payment terminals, avoiding the hardware integration of a single payment terminal, bringing more flexible expansion payment methods to the financial payment terminal, and having strong applicability.

[0155] To sum up, the application provides a distributed payment method, system and electronic device, payment capability list is constructed through the first payment capability of the first payment terminal and the second payment capability of the second payment terminal, so that the payment capability of all payment terminals in the distributed connection is obtained; when the payment instruction is received, the payment terminal capable of processing the payment instruction is directly searched through the payment capability list, so that the payment capability sharing between multiple payment terminals is realized, the interaction and control between different payment terminals are realized, and the hardware system of the payment terminal is simplified; meanwhile, in this mode, if the user has other payment business, the payment business can be completed by searching and calling the corresponding payment terminal again, without the need of configuring the corresponding hardware module, the flexibility of the payment terminal for the user payment demand is improved, and the production cost of the payment terminal is effectively reduced. In addition, in the financial payment scene, data security is particularly important, and because the payment terminals are connected in a distributed manner, the terminals are not directly connected with each other, so the regular security authentication cannot be used. In this regard, before the second payment capability of the second payment terminal is obtained, the identity of the second payment terminal is obtained, so that the second payment terminal is securely authenticated and encrypted communication is performed according to the corresponding identity, so that the non-secure payment terminal is screened out, and the security of data processing is ensured.

[0156] The above is only an embodiment of the application, and does not limit the patent scope of the application, and any equivalent transformation or direct or indirect application in the related technical field based on the content of the specification and drawings of the application is also included in the patent protection scope of the application.

Claims

1. A method of distributed payment, characterized by, The method for the first payment terminal comprises: obtaining a first payment capability, the first payment capability being used to represent a capability of processing a payment instruction possessed by the first payment terminal; receiving a second payment capability sent by a second payment terminal, the second payment capability being used to represent a capability of processing a payment instruction possessed by the second payment terminal, the second payment terminal being a payment terminal which establishes a distributed connection with the first payment terminal; constructing a payment capability list based on the first payment capability and the second payment capability; when the payment instruction is received, taking a payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal; controlling the target payment terminal to process the payment instruction; before the step of taking the payment terminal corresponding to the payment instruction in the payment capability list as the target payment terminal, the method further comprises: obtaining a service capability of each second payment terminal in the payment capability list, the service capability including other capabilities of the second payment terminal in addition to the corresponding payment capability; generating a service identity of each second payment terminal based on the service capability; parsing the payment instruction to obtain a target identity; if the service identity and the target identity do not match, after deleting the second payment terminal in the payment capability list which does not match the service identity and the target identity, the step of taking the payment terminal corresponding to the payment instruction in the payment capability list as the target payment terminal is executed; if the service identity and the target identity match, the step of taking the payment terminal corresponding to the payment instruction in the payment capability list as the target payment terminal is executed; before controlling the target payment terminal to process the payment instruction, the method further comprises: performing security authentication on the target payment terminal; if the security authentication fails, deleting the target payment terminal which fails in the security authentication, if there is still a target payment terminal after the deletion, controlling the target payment terminal to process the payment instruction is executed, if there is no target payment terminal after the deletion, a feedback result of no available terminal is returned; when the feedback result of no available terminal is received, adjusting a connection distance of the distributed connection between the first payment terminal and the second payment terminal.

2. The method of claim 1, wherein, The step of taking the payment terminal corresponding to the payment instruction in the payment capability list as the target payment terminal comprises: parsing the payment instruction to obtain payment method information; matching the payment method information with the first payment capability; when the matching is successful, taking the first payment terminal as the target payment terminal; when the matching fails, searching for a second payment capability in the payment capability list which matches the payment method information; taking the second payment terminal which matches the payment method information as the target payment terminal.

3. The method of claim 2, wherein, The step of controlling the target payment terminal to process the payment instruction comprises: When the target payment terminal is the first payment terminal, the first payment capability is called to process the payment instruction, and a payment result is returned; When the target payment terminal is the second payment terminal, a payment instruction and a trigger instruction are sent to the second payment terminal, the trigger instruction being used to instruct the second payment terminal to call the second payment capability to process the payment instruction; A payment result fed back by the second payment terminal is received.

4. The method of claim 1, wherein, Before the step of taking the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal, the method further comprises: Each second payment terminal in the payment capability list is subjected to security authentication, if the security authentication fails, after the second payment terminal subjected to the security authentication and failing is deleted from the payment capability list, the step of taking the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal is executed; If the security authentication succeeds, the step of taking the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal is executed.

5. The method of claim 4, wherein, The step of subjecting each second payment terminal in the payment capability list to security authentication comprises: An authentication instruction is sent to each second payment terminal in the payment capability list, the authentication instruction being used to instruct the second payment terminal to generate a device identity; When the device identity matches a preset identity, the security authentication succeeds; When the device identity does not match the preset identity, the security authentication fails.

6. The method of claim 1, wherein, The step of controlling the target payment terminal to process the payment instruction comprises: When the target payment terminal is the second payment terminal, a first authentication code sent by the second payment terminal is acquired; When the first authentication code and a preset authentication code are consistent, an encrypted channel is established with the target payment terminal; A payment instruction and a trigger instruction are sent to the target payment terminal through the encrypted channel, the trigger instruction being used to instruct the second payment terminal to call the second payment capability to process the payment instruction.

7. The method of claim 6, wherein, Before the step of sending a payment instruction and a trigger instruction to the target payment terminal through the encrypted channel, the method further comprises: A permission instruction is sent to the target payment terminal, the permission instruction including a permission range, the permission instruction being used to instruct the target payment terminal to process the payment instruction based on the permission range.

8. A distributed payment system, characterized by A first payment terminal and a second payment terminal are included, the second payment terminal establishing a distributed connection with the first payment terminal; The first payment terminal is used to: Acquire a first payment capability, the first payment capability being used to represent a capability of the first payment terminal to process a payment instruction; Receive a second payment capability sent by a second payment terminal, the second payment capability being used to represent a capability of the second payment terminal to process a payment instruction; Based on the first payment capability and the second payment capability, a payment capability list is constructed; When the payment instruction is received, a payment terminal corresponding to the payment instruction in the payment capability list is taken as a target payment terminal; controlling the target payment terminal to process the payment instruction; Before the step of taking the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal, the method further comprises: obtaining a service capability of each second payment terminal in the payment capability list, the service capability including other capabilities of the second payment terminal in addition to the corresponding payment capability; generating a service identity of each second payment terminal based on the service capability; parsing the payment instruction to obtain a target identity; if the service identity and the target identity do not match, deleting the second payment terminal in the payment capability list whose service identity and the target identity do not match, and then performing the step of taking the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal; if the service identity and the target identity match, performing the step of taking the payment terminal corresponding to the payment instruction in the payment capability list as a target payment terminal; Before the step of controlling the target payment terminal to process the payment instruction, the method further comprises: performing security authentication on the target payment terminal; if the security authentication fails, deleting the target payment terminal in the payment capability list whose security authentication fails, if there is still a target payment terminal after deleting the target payment terminal whose security authentication fails, performing the step of controlling the target payment terminal to process the payment instruction, if there is no target payment terminal after deleting the target payment terminal whose security authentication fails, returning a feedback result of no available terminal; when receiving the feedback result of no available terminal, adjusting a connection distance of the distributed connection between the first payment terminal and the second payment terminal.

9. An electronic device comprising a memory, a processor, and a computer program stored on the memory and running on the processor, characterized in that, The processor executes the computer program to implement each step in the distributed payment method according to any one of claims 1-7. The processor executes the computer program to implement each step in the distributed payment method according to any one of claims 1-7.

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