Payment method, device, computer equipment, storage medium and program product

Abstract

The present application provides a payment method, device, computer equipment, storage medium and program product, which relate to the technical fields of artificial intelligence, Internet of Things, cloud Internet of Things, smart transportation, etc. By establishing a target communication connection based on the target encrypted interconnection protocol for communication between the first device and the second device when the non-page payment mode is turned on, the first device can receive the bill confirmation information sent by the second device based on the target communication connection, thereby ensuring the security of data transmission. In addition, when a payment confirmation operation for the bill confirmation information is detected, the first device can send a payment instruction message to the payment device to enable the payment device to complete the payment. Since the payment confirmation operation is an operation based on non-page display content, the payment process can complete the payment safely without the need for operations such as presenting a QR code and entering a password based on the page display content, thereby improving the applicability and convenience of payment while ensuring payment security.

Description

Technical Field

[0001] The present application relates to technical fields such as artificial intelligence, cloud technology, cloud Internet of Things, and smart transportation. The present application relates to a payment method, device, computer equipment, storage medium, and program product. Background Art

[0002] With the rapid development of Internet technology, in many offline payment scenarios, the terminal needs to present a QR code to the merchant or enter a password to complete the payment.

[0003] However, for visually impaired users, due to visual impairment, they cannot use the content of the page displayed on the mobile phone to display the QR code or enter the password, etc., which makes it difficult for visually impaired users to use offline payment scenarios. In addition, in some cases, users may also have problems with presenting the QR code or entering the password, resulting in payment difficulties. Therefore, there is an urgent need for a payment method that facilitates visually impaired users or other users to complete payment. Summary of the invention

[0004] The present application provides a payment method, device, computer equipment, storage medium and program product, which can achieve the technical effect of facilitating visually impaired users or other users to complete payment. The technical solution is as follows:

[0005] In one aspect, a payment method is provided, the method being applied to a first device, the method comprising:

[0006] In response to the opening operation of the non-page payment mode, a target communication connection is established with the second device, wherein the target communication connection uses a target encrypted interconnection protocol for communication;

[0007] receiving bill confirmation information sent by the second device based on the target communication connection, and outputting the bill confirmation information to the first user;

[0008] In response to a payment confirmation operation on the bill confirmation information, a payment instruction message is sent to a payment device, wherein the payment confirmation operation is an operation based on non-page display content, the payment instruction message carries the payment credentials of the first user, and the payment instruction message indicates that a resource deduction operation is completed based on the payment credentials.

[0009] In another aspect, a payment method is provided, the method being applied to a second device, the method comprising:

[0010] Establishing a target communication connection with the first device, wherein the target communication connection uses a target encrypted interconnection protocol for communication;

[0011] sending bill confirmation information to the first device based on the target communication connection;

[0012] In response to a first payment instruction message sent by the first device based on the target communication connection, sending a payment request to a server;

[0013] Among them, the first payment instruction message includes the payment credential of the first user, the payment request is used to request to transfer the first user's to-be-paid resources to the second user's resources based on the payment credential, the first payment message is a message triggered by a payment confirmation operation based on the statement confirmation information, and the payment confirmation operation is an operation based on non-page display content.

[0014] In another aspect, a payment device is provided, the device being applied to a first device, the device comprising:

[0015] A first communication connection establishing module, configured to establish a target communication connection with a second device in response to an opening operation of a non-page payment mode, wherein the target communication connection uses a target encrypted interconnection protocol for communication;

[0016] a bill confirmation information receiving module, configured to receive bill confirmation information sent by the second device based on the target communication connection, and output the bill confirmation information to the first user;

[0017] A payment indication message sending module is used to send a payment indication message to a payment device in response to a payment confirmation operation on the bill confirmation information, wherein the payment confirmation operation is an operation based on non-page display content, and the payment indication message carries the payment credential of the first user, and the payment indication message indicates that a resource deduction operation is completed based on the payment credential.

[0018] In a possible implementation, the bill confirmation information includes bill information, a second user identifier, and a bill random code;

[0019] The bill confirmation information receiving module is used for at least one of the following:

[0020] Displaying the bill confirmation information on an application page of the target application;

[0021] At least the bill random code in the bill confirmation information is played.

[0022] In one possible implementation, the target encrypted interconnection protocol includes a target key used for communication between the first device and the second device;

[0023] The first communication connection establishing module is used to:

[0024] In response to the opening operation of the non-page payment mode, obtaining a first private key and a dynamic pairing code corresponding to the first device from the server, and broadcasting a communication message;

[0025] In response to a handshake request sent by the second device based on the communication message, sending first encrypted data to the second device, where the first encrypted data is data obtained by encrypting the dynamic pairing code using the first private key;

[0026] In response to the response message returned by the second device, sending the first connection information of the first device to the second device;

[0027] In response to the second connection information returned by the second device, the target key is obtained from the server based on the second connection information, and a target communication connection based on the target key is established with the second device.

[0028] In a possible implementation, the payment instruction message sending module is used for any of the following:

[0029] The payment device is a second device, and a first payment instruction message is sent to the second device based on the target communication connection, wherein the first payment instruction message is used to trigger the second device to send a payment request to the server, wherein the payment request is used to request to transfer the to-be-paid resources of the first user to the resources of the second user based on the payment credential;

[0030] The payment device is a server, and a second payment instruction message is sent to the server, where the second payment instruction message is used to request that the resources to be paid of the first user be transferred to the resources of the second user based on the payment credential.

[0031] In one possible implementation, the payment confirmation operation includes at least one of a fingerprint input operation, a double-click on the back of the first device operation, a double-click on the power button operation, and a target symbol drawing operation.

[0032] In one possible implementation, the device further includes:

[0033] The payment rejection module is used to send a payment cancellation message to the payment device in response to a payment cancellation operation on the bill confirmation information.

[0034] In another aspect, a payment device is provided, the device being applied to a second device, the device comprising:

[0035] A second communication connection establishing module, used to establish a target communication connection with the first device, wherein the target communication connection uses a target encrypted interconnection protocol for communication;

[0036] a bill confirmation information sending module, configured to send bill confirmation information to the first device based on the target communication connection;

[0037] a payment request sending module, configured to send a payment request to a server in response to a first payment instruction message sent by the first device based on the target communication connection;

[0038] Among them, the first payment instruction message includes the payment credential of the first user, the payment request is used to request to transfer the first user's to-be-paid resources to the second user's resources based on the payment credential, the first payment message is a message triggered by a payment confirmation operation based on the statement confirmation information, and the payment confirmation operation is an operation based on non-page display content.

[0039] In a possible implementation, the bill confirmation information includes bill information, a second user identifier, and a bill random code;

[0040] The bill confirmation information sending module is used to send bill confirmation information to the first device based on the target communication connection, and at least play the bill random code in the bill confirmation information.

[0041] In one possible implementation, the target encrypted interconnection protocol includes a target key used for communication between the first device and the second device;

[0042] The second communication connection establishing module is used to:

[0043] In response to searching for a communication message broadcast by the first device, sending a handshake request to the first device;

[0044] In response to first encrypted data returned by the first device based on the handshake request, decrypt the first encrypted data using a first public key to obtain a dynamic pairing code, and send a response message to the first device based on the dynamic pairing code;

[0045] In response to the first connection information returned by the first device based on the response message, acquiring the target key from the server based on the first connection information;

[0046] Return the second connection information to the first device, and establish a target communication connection based on the target key with the first device.

[0047] On the other hand, a computer device is provided, comprising a memory, a processor and a computer program stored in the memory, wherein the processor executes the computer program to implement the payment method described in any one of the above aspects.

[0048] On the other hand, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the payment method described in any one of the above aspects is implemented.

[0049] On the other hand, a computer program product is provided, comprising a computer program, wherein when the computer program is executed by a processor, the payment method described in any one of the above aspects is implemented.

[0050] The beneficial effects of the technical solution provided by the embodiment of the present application are:

[0051] The payment method provided in the present application, by establishing a target communication connection based on the target encrypted interconnection protocol between the first device and the second device when the non-page payment mode is turned on, enables the first device to receive the bill confirmation information sent by the second device based on the target communication connection, thereby ensuring the security of data transmission. In addition, when a payment confirmation operation for the bill confirmation information is detected, the first device can send a payment instruction message to the payment device so that the payment device completes the payment. Since the payment confirmation operation is based on non-page display content, the payment process can complete the payment safely without the need for operations such as presenting a QR code and entering a password based on page display content, thereby improving the applicability and convenience of payment while ensuring payment security. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in describing the embodiments of the present application are briefly introduced below.

[0053] Figure 1 A schematic diagram of an implementation environment for realizing a payment method provided in an embodiment of the present application;

[0054] Figure 2 A schematic diagram of a payment method provided in an embodiment of the present application;

[0055] Figure 3 A schematic diagram of signaling interaction of a payment method provided in an embodiment of the present application;

[0056] Figure 4 A schematic diagram of an example process of a payment method provided in an embodiment of the present application;

[0057] Figure 5 A schematic diagram of a terminal operation process provided in an embodiment of the present application;

[0058] Figure 6 A schematic diagram of the system architecture of a payment method provided in an embodiment of the present application;

[0059] Figure 7 A schematic diagram of the structure of a payment device provided in an embodiment of the present application;

[0060] Figure 8 A schematic diagram of the structure of a payment device provided in an embodiment of the present application;

[0061] Fig. 9 A schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0062] The embodiments of the present application are described below in conjunction with the drawings in the present application. It should be understood that the implementation methods described below in conjunction with the drawings are exemplary descriptions for explaining the technical solutions of the embodiments of the present application and do not constitute a limitation on the technical solutions of the embodiments of the present application.

[0063] Those skilled in the art will appreciate that, unless otherwise stated, the singular forms "a", "an", "said", and "the" used herein may also include plural forms. The terms "include" and "comprise" used in the embodiments of the present application mean that the corresponding features can be implemented as the presented features, information, data, steps, and operations, but do not exclude the implementation as other features, information, data, steps, operations, etc. supported by the technical field.

[0064] It can be understood that in the specific implementation of the present application, any user-related data such as bill confirmation information, bill information, payment voucher, user identification, user avatar, user nickname, the first user's resources to be paid, the second user's resources, resource account, etc., when the above embodiments of the present application are applied to specific products or technologies, it is necessary to obtain the object's permission or consent. The activation and use process of the non-page payment mode adopted in this application must be approved and agreed by the user, and the collection, use and processing of relevant data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0065] Figure 1 A schematic diagram of the implementation environment of a payment method provided in this application. Figure 1 As shown, the implementation environment includes: terminal 101, terminal 102 and server 103, and the server 103 can be a background server of the application. The terminal 101 is configured with an application corresponding to the payee, and the terminal 102 is configured with an application corresponding to the payee. In this application, the payee can be the first user, and the payee can be the second user. A target communication connection is established between the terminal 101 and the terminal 102, and the terminal 101 and the terminal 102 exchange data based on the target communication connection.

[0066] In the present application, the terminal 101 and the terminal 102 may support a non-page payment mode, which is a barrier-free payment mode that supports the payee to confirm the payment based on operations on the non-page displayed content on the terminal 101, so that the payee can make payments to the payee without performing operations such as presenting a QR code or entering a password using the page content displayed on the mobile phone.

[0067] Exemplarily, terminal 102 may send bill confirmation information to terminal 101 based on the target communication connection. The first user may confirm the payment operation on the bill confirmation information at terminal 101 to trigger terminal 101 to send a payment instruction message to terminal 102 or server 103. The payment confirmation operation is an operation based on non-page display content, and the payment instruction message carries the payment credential of the first user, and the payment instruction message indicates that the resource deduction operation is completed based on the payment credential. For example, the terminal 102 sends a payment request to the server 103 to request the server 103 to transfer the first user's to-be-paid resources to the second user's resources. For another example, the server 103 directly transfers the first user's to-be-paid resources to the second user's resources based on the payment instruction information.

[0068] The payment method of this application can be applied to a variety of payment scenarios.

[0069] For example, the scenario of shopping and paying at an offline merchant:

[0070] After the first user makes a purchase at the merchant, the merchant's terminal 102 may use the target communication connection to send bill confirmation information to the terminal 101. After the first user confirms the bill confirmation information based on the payment confirmation operation, the terminal 101 may send a payment instruction message to the payment device to complete the first user's payment to the merchant.

[0071] Another example is the smart transportation riding scenario:

[0072] For public transportation places such as train stations and subway stations that have barrier-free payment channels, passengers waiting to board can use the non-page payment mode supported by the barrier-free payment channel to enter, board, and pay for exiting the station. For example, in the barrier-free payment channel, smart gates or smart ticketing devices that support the non-page payment mode can be installed; for example, the first user can pay for the subway ticket through the smart gate when entering and exiting the station in the barrier-free payment channel to complete the payment of the first user's fare.

[0073] Another example is the smart medical payment scenario:

[0074] For hospitals that have built barrier-free payment channels, the first user's mobile phone can be bound to the first user's medical insurance card, medical electronic certificate, etc. The first user performs operations based on non-page display content on the mobile phone to enable the first user's mobile phone to interact with the smart terminal of the hospital's barrier-free payment channel to complete the first user's registration, payment and other processes.

[0075] Another example is the gas station metering refueling scenario:

[0076] For example, the first user's smart bracelet can be bound to the first user's electronic gas card. The first user can perform operations based on non-page display content on the smart bracelet, such as triggering the operation of opening the non-page payment mode, confirming the payment operation, etc., so that the smart bracelet can interact with the smart metering and payment collection device of the gas station to refuel the first user's vehicle.

[0077] It should be noted that the terminal 102 can be any computer device such as a cash register device, an intelligent robot, a desktop dual-screen cash register device, etc. Exemplarily, the terminal 102 can be a device with a cash register function used in various scenarios such as medical care, supermarkets, banks, gas stations, convenience stores, and restaurants, such as supermarket cash registers, medical system cash registers, and gas stations. For example, the cash register device can store the unit price, inventory information, and sales list of the goods, and can be connected to peripherals such as POS machines, receipt printers, and scanners to support non-page payment modes for collection. It can also support printing sales receipts, issuing invoices, and obtaining information about the goods by scanning the barcode of the goods (for example, the unit price of the goods, the purchase quantity, inventory information, etc.). Exemplarily, the intelligent robot can be used as an intelligent interactive device used in places such as commodity retail enterprises, restaurants, and bank counters that handle counter business.

[0078] Another point that needs to be explained is that terminal 101 can be a smart phone, a smart bracelet, a voice interaction device, a smart home appliance, a tablet computer, a laptop computer, a digital broadcast receiver, a desktop computer, a vehicle-mounted terminal (such as a vehicle-mounted navigation terminal, a vehicle-mounted computer, etc.), a smart speaker, a smart watch, etc.

[0079] The server 103 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server or server cluster that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, and big data and artificial intelligence platforms. The terminals 101, 102, and the server 103 may be directly or indirectly connected via wired or wireless communications, and may also be determined based on actual application scenario requirements, which is not limited here.

[0080] The payment method provided in this application involves technologies such as the Internet of Things, cloud IoT, medical cloud, and artificial intelligence. For example, in this application, the user's mobile phone can be connected to the merchant's payment device based on IoT interconnection technology to achieve interaction between the mobile phone and the payment device.

[0081] It is understandable that the Internet of Things (IOT) refers to the real-time collection of any object or process that needs to be detected, connected, and interacted through various devices and technologies such as various information sensors, radio frequency identification technology, global positioning system, infrared sensor, laser scanner, etc., and the collection of various required information such as sound, light, heat, electricity, mechanics, chemistry, biology, location, etc., and the realization of ubiquitous connection between objects and objects, objects and people through various possible network access, and the realization of intelligent perception, identification and management of objects and processes. The Internet of Things is an information carrier based on the Internet, traditional telecommunications networks, etc. It allows all ordinary physical objects that can be independently addressed to form an interconnected network.

[0082] Cloud IOT aims to connect the information sensed and instructions received by sensor devices in traditional IoT to the Internet, truly realize networking, and achieve massive data storage and computing through cloud computing technology. Due to the characteristics of IoT, objects are connected to each other and the current operating status of each "object" is perceived in real time. A large amount of data information will be generated in this process. How to aggregate this information and how to filter out useful information from the massive information to support decision-making for subsequent development have become key issues affecting the development of IoT. IoT cloud based on cloud computing and cloud storage technology has therefore become a strong support for IoT technology and applications.

[0083] Medical cloud refers to the use of cloud computing to create a cloud platform for medical and health services based on new technologies such as cloud computing, mobile technology, multimedia, 4G communications, big data, and the Internet of Things, combined with medical technology, to achieve the sharing of medical resources and the expansion of medical scope. Because of the application and combination of cloud computing technology, medical cloud has improved the efficiency of medical institutions and facilitated residents' medical treatment. For example, hospital appointment registration and medical insurance are the products of the combination of cloud computing and the medical field. Medical cloud also has the advantages of data security, information sharing, dynamic expansion, and overall layout.

[0084] Artificial intelligence technology is a comprehensive discipline that covers a wide range of fields, including both hardware-level and software-level technologies. Basic artificial intelligence technologies generally include sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technology, operating / interactive systems, mechatronics and other technologies. Artificial intelligence software technologies mainly include computer vision technology, speech processing technology, natural language processing technology, as well as machine learning / deep learning, autonomous driving, smart transportation and other major directions.

[0085] Figure 2A flow chart of a payment method provided in an embodiment of the present application. The execution subject of the method may be a first device. The first device may be a device corresponding to the first user, such as a terminal device such as a smart phone, a smart bracelet, etc. Figure 2 As shown, the method includes the following steps.

[0086] Step 201: In response to the start operation of the non-page payment mode, the first device establishes a target communication connection with the second device.

[0087] The first device may be configured with a non-page payment mode. For example, the first device may be installed with an application corresponding to the payee, which supports payment using the non-page payment mode. When the first user needs to make a payment, the first user may perform an opening operation on the first device to open the non-page payment mode of the first device.

[0088] The non-page payment mode refers to a mode in which payment is completed based on operations of non-page display content. The non-page payment mode is a barrier-free payment mode. Since the mode does not require the use of page display content to complete payment, it allows the first user to browse the page display content of the application or the screen display content of the first device without browsing the page display content of the application or performing operations such as presenting a payment QR code, entering a password or scanning a QR code based on the page content displayed on the mobile phone, so as to facilitate some special groups or some special circumstances to realize the payment from the payee to the payee.

[0089] It should be noted that for some special groups of users, such as visually impaired users, children, or users with blurred vision; or for some scenarios where it is inconvenient to perform operations based on page display content, such as running, walking and other sports scenarios, such as insufficient power to support high-brightness display of the screen, and it is inconvenient for users to view the page display content; or other possible situations where users need to be based on a non-page payment mode, the first user can enable the non-page payment mode, so that the first device can use the payment method of this application to allow the first user to complete the payment based on operations based on non-page display content, thereby improving the convenience and applicability of payment.

[0090] Exemplarily, the opening operation may be an operation based on non-page display content. For example, the first user can perform the opening operation without the page display content. The opening operation may include but is not limited to: double-clicking the back of the first device, double-clicking the power button, drawing a target symbol, and clicking the screen or back of the first device three times in a row. Of course, the opening operation may also be other operation methods that do not use the page display content to perform operations. The specific operation method of the opening operation can be configured based on needs, and the embodiments of the present application do not limit this.

[0091] Exemplarily, when the first device detects the start-up operation, the first device may further verify and then start the non-page payment mode. For example, step 201 may include: in response to the start-up operation of the non-page payment mode, the first device obtains the verification start-up information, and after verification based on the verification start-up information, the first device establishes a target communication connection with the second device. For example, the start-up verification operation may include but is not limited to: the first user inputs a fingerprint, the first user double-clicks the power button, or the first user enters a password. For example, the first device can identify the fingerprint input by the first user. If the fingerprint input by the first user matches the pre-configured reference fingerprint, the first device determines to turn on the non-page payment mode to establish a target communication connection with the second device. In this step, the first device verifies through further verification of the start-up information to ensure that the non-page payment mode is turned on by mistake, thereby ensuring user payment security.

[0092] The target communication connection uses a target encryption interconnection protocol for communication. Exemplarily, the target encryption interconnection protocol includes a target key used for communication between the first device and the second device. In this step, when the first device detects an operation to enable the non-page payment mode, the first device can obtain the target key from the server and send data to the second device based on the key, or receive and decrypt data sent by the second device.

[0093] It should be noted that the first device and the second device complete the establishment of the target communication connection based on multiple interactions. In order to better introduce the process of establishing the target communication connection, step 301 of the interaction embodiment between the first device and the second device introduces in detail how the two devices interact to establish the target communication connection. That is, an implementation method of step 201 by the first device can refer to the execution steps of the first device in the subsequent step 301.

[0094] Exemplarily, the target communication connection may belong to near field communication, for example, Bluetooth connection, NFC, RFID, RS232, USB, ZigBee, NB-IoT and other connection modes; or, the target communication connection may belong to long distance communication, such as long distance communication based on 2G / 3G / 4G / 5G, NB-IoT, WiFi.

[0095] For example, the target communication adopts a Bluetooth connection. After the first device can turn on the non-page payment mode, the first device can turn on the Bluetooth function of the first device and allow surrounding devices to discover it. To ensure security, the target communication connection can be based on a traditional Bluetooth handshake protocol modified to use a secure and effective private protocol for communication.

[0096] Step 202: The first device receives the bill confirmation information sent by the second device based on the target communication connection, and outputs the bill confirmation information to the first user.

[0097] The bill confirmation information is information used for payment confirmation between the first user and the second user. The second device can encrypt the bill confirmation information based on the target key included in the target encryption interconnection protocol, and send the encrypted bill confirmation information to the first device. The first device decrypts the information sent by the second device based on the target key to obtain the bill confirmation information, and outputs the bill confirmation information to the first user.

[0098] In one example, the bill confirmation information may include the bill information of the first user. For example, the second device may obtain the bill information of the first user, and the bill information may include the resource value of the resource to be paid by the first user. Alternatively, the bill information may also include information of each item to be paid by the first user. Exemplarily, the first device may receive the bill information sent by the second device and output the bill information to the first user.

[0099] For example, the first device may play the bill information, or the first device may also display the bill information on the terminal screen. For example, in an offline supermarket shopping scenario, the second device may be a cash register device, and the second device may scan the product information and corresponding amount of each product to be purchased by the first user through a scanner, and calculate the total amount to be paid by the first user.

[0100] In another example, the bill confirmation information may also include the second user identifier. Exemplarily, the first device may receive the bill information and the second user identifier sent by the second device, and output the bill information and the second user identifier to the first user. For example, the first device may receive the bill information and the second user identifier sent by the second device, and output the bill information and the second user identifier to the first user.

[0101] For example, the second device may also obtain the merchant's identification. For example, in an offline supermarket shopping scenario, the second user identification may include but is not limited to: "xxx supermarket", "xx cashier counter of xxx supermarket", "xx brand payment terminal of xxx shopping mall", etc. For another example, in a payment scenario at a hospital, the second user identification may include but is not limited to: "xx payment window of xxx hospital", "xx barrier-free payment terminal No. xx of xx hospital", etc. For another example, when a gas station is used to measure refueling, the second user identification may include "xx gas station No. xx gas station".

[0102] In another example, the first device and the second device can use the bill random code to allow the user to further confirm the accuracy of the bill. Exemplarily, the bill confirmation information includes bill information, a second user identifier, and a bill random code. The second device can randomly obtain the bill random code and generate the bill confirmation information based on the bill information, the second user information, and the bill random code. In addition, the second device can also play the bill random code to the first user. The bill random code is a randomly generated information, and the information type includes but is not limited to: text, audio, video, etc. For example, the bill random code can be a celebrity quote, a hot word of the day, a random digital number, a random English letter, a song clip, a random video clip, etc. randomly obtained from a pre-configured random database.

[0103] In this step, the first device may output the bill confirmation information in the following ways: displaying the bill confirmation information on the terminal screen, or playing the bill confirmation information through a voice output device. Accordingly, the implementation of step 202 may include the following two ways.

[0104] In a first manner, the first device displays the bill confirmation information.

[0105] Exemplarily, based on the several possible situations of the bill confirmation information shown in the above examples, the first device may display at least one of the bill information, the second user identifier, or the bill random code included in the bill confirmation information on the application page. In one example, if the bill confirmation information includes the bill random code, the first device at least displays the bill random code on the application page.

[0106] For example, the first device displays the bill information, the second user identifier, and the voice signal corresponding to the bill random code included in the bill confirmation information on the application page.

[0107] In the second mode, the first device at least plays the bill random code in the bill confirmation information.

[0108] In one example, if the bill confirmation information includes the bill random code, the second device can play the bill random code to the first user in audio or video form or in a vibration manner, and the first device can also at least play the bill random code. For example, the first device broadcasts the voice signal corresponding to the bill random code to the first user, such as a famous saying, a random number, etc.; or plays a song clip corresponding to the bill random code, or plays a video clip corresponding to the bill random code; or vibrates according to the vibration method associated with the voice signal corresponding to the bill random code.

[0109] Exemplarily, based on the several possible situations of the bill confirmation information in the above examples, the first device may also play at least one of the bill information and the second user identifier included in the bill confirmation information to the first user in audio form. For example, the first device plays the voice signal corresponding to the bill information, the second user identifier, and the bill random code included in the bill confirmation information in audio form.

[0110] The first device may adopt any one of the first method or the second method mentioned above to inform the first user of the bill confirmation information. Alternatively, the first device may also output in combination with the above two methods. For example, the first device may adopt the first method to display the random digital number or the song name of the random song clip corresponding to the random code of the bill, and adopt the second method to play the voice signal of the random digital number or play the random song clip or vibrate according to the vibration method corresponding to the random code of the bill. Of course, the first device can also display the three items of information included in the bill confirmation information and play the three items, or display at least one item of the bill confirmation information based on the configuration needs, and play other items other than at least one item. This application does not specifically limit which method is used to output the bill confirmation information, or how the two methods are combined to output the bill confirmation information.

[0111] It should be noted that the first user can confirm payment through the bill confirmation information output by the first device, such as bill information, second user identification and other information, to ensure the accuracy and security of payment. In addition, the bill confirmation information can also include a bill random code, and the second device can output the bill random code to the first user. The bill confirmation information output by the first device to the first user at least displays or plays the bill random code. Especially for close-range payment scenarios, since the bill random code has random uncertainty, the first user will confirm payment only on the premise that the bill random codes output by the first device and the second device are consistent. Therefore, even if the bill information is cracked, the security of payment can be guaranteed, thereby improving the accuracy and security of the payment process.

[0112] For example, in a payment scenario in a shopping mall or supermarket, if the first user's current location is close to two or more cash register devices, the first device where the first user is located and the second device connected to the first device both output a random bill code, so that the first user can uniquely determine the payee to be paid and the bill to be paid, thereby avoiding interference in the payment process from other devices that are not connected to the first device, thereby ensuring the accuracy of the payment process.

[0113] In addition, for payment business scenarios with high privacy requirements, since the bill random code is randomly obtained through the second device, it has high uncertainty and is not easily obtained by other devices. The first device can obtain the bill random code from the second device through the target communication connection. Therefore, it avoids the payment security risks caused by other devices cracking the bill information and improves the accuracy and security of the payment process.

[0114] Step 203: In response to the payment confirmation operation on the bill confirmation information, the first device sends a payment instruction message to the payment device.

[0115] The payment confirmation operation is an operation based on non-page display content, and the non-page payment mode can be a mode in which payment is completed based on the payment confirmation operation. In a possible example, the payment confirmation operation includes at least one of a fingerprint input operation, a double-click on the back of the first device operation, a double-click on the power button operation, and a target symbol drawing operation. It should be noted that the payment confirmation operation does not need to be based on the page display content. This application does not limit the operation method of the payment confirmation operation. For example, the payment confirmation operation can also include: clicking the screen of the first device three times in a row, clicking the back of the first device three times in a row, and other operations.

[0116] Exemplarily, the payment instruction message carries the payment voucher of the first user, and the payment instruction message indicates that the resource deduction operation is completed based on the payment voucher. In the present application, the payment device can be a second device or a server. Based on the possible situation of the payment device, the implementation of step 203 may include the following two methods.

[0117] In a first manner, the payment device is a second device. The first device sends a first payment instruction message to the second device based on the target communication connection.

[0118] The first payment instruction message is used to trigger the second device to send a payment request to the server, and the payment request is used to request to transfer the first user's to-be-paid resources to the second user's resources based on the payment voucher. For example, the payment voucher may include, but is not limited to: the first user's resource account identifier, payment key, the first user's identifier, the second user's identifier and other information. It should be noted that the non-page payment mode and the payment voucher, bill confirmation information, user identifier and other data involved in the payment process are all used or enabled with the user's permission and consent.

[0119] If the payment device is the second device, the first payment instruction information may be a message indicating that the first device confirms payment or agrees to payment to the second device. In the first method, the first device may encrypt the first payment instruction message using the target key included in the target encryption interconnection protocol, and send the encrypted first payment instruction message to the second device.

[0120] The second device may decrypt the information sent by the first device based on the target key included in the target encryption interconnection protocol to obtain the first payment instruction message, and the second device may send a payment request to the server. The first payment instruction message carries the payment credential of the first user, and the second device may send the payment request to the server based on the payment credential of the first user, so that the server transfers the resources to be paid of the first user to the resources of the second user based on the payment credential.

[0121] In the second mode, the payment device is a server, and the first device sends a second payment instruction message to the server.

[0122] The second payment instruction message is used to request to transfer the to-be-paid resources of the first user to the resources of the second user based on the payment credential.

[0123] If the payment device is a server, the first device may send a second payment instruction message to the server based on the application. The second payment instruction message may be a payment request from the first device requesting the server to complete the payment.

[0124] After the server completes the resource transfer, the server may return a payment success message to the first device and the second device respectively, so that the first user and the second user are informed that the payment is completed.

[0125] In one possible case, the first user may also refuse or cancel the payment based on the bill confirmation information output by the first device. Exemplarily, after step 202, the first device may also perform the following step 204:

[0126] Step 204: In response to the cancellation of the payment operation on the bill confirmation information, the first device sends a payment cancellation message to the payment device.

[0127] The payment cancellation message is used to indicate the cancellation of payment of the bill corresponding to the bill confirmation information. For example, the payment cancellation operation can be an operation based on non-page display content. The payment device can be a second device or a server. Accordingly, the implementation of step 204 can include the following two methods.

[0128] In a first manner, the payment device is a second device. The first device sends a first payment cancellation message to the second device based on the target communication connection.

[0129] The first payment cancellation message is used to trigger the second device to send a payment cancellation request to the server, and the payment cancellation request is used to cancel the payment of the bill corresponding to the bill confirmation information. The first device can send the first payment cancellation message to the second device through the target communication connection. The second device can send the payment cancellation request to the server based on the first payment instruction message.

[0130] In the second mode, the payment device is a server, and the first device sends a second payment cancellation message to the server.

[0131] If the payment device is a server, the first device may send a second payment cancellation message to the server based on the application, and the second payment cancellation message may be a payment request from the first device to the server to cancel the payment. Exemplarily, the second payment cancellation message is used to request cancellation of payment for the bill corresponding to the bill confirmation information.

[0132] After the server cancels the payment of the bill corresponding to the bill confirmation information, the server may send a cancellation success message to the first device and the second device respectively, so that the first user and the second user are informed that the bill corresponding to the bill confirmation information is successfully canceled.

[0133] The payment method provided in the present application, by establishing a target communication connection based on the target encrypted interconnection protocol between the first device and the second device when the non-page payment mode is turned on, enables the first device to receive the bill confirmation information sent by the second device based on the target communication connection, thereby ensuring the security of data transmission. In addition, when a payment confirmation operation for the bill confirmation information is detected, the first device can send a payment instruction message to the payment device so that the payment device completes the payment. Since the payment confirmation operation is based on non-page display content, the payment process can complete the payment safely without the need for operations such as presenting a QR code and entering a password based on page display content, thereby improving the applicability and convenience of payment while ensuring payment security.

[0134] Furthermore, the first user can confirm payment through the bill confirmation information output by the first device, such as bill information, second user identification and other information, to ensure the accuracy and security of payment. In addition, the bill confirmation information can also include a bill random code, which the second device can output to the first user, and the first device at least displays or plays the bill random code to the first user. Especially for close-range payment scenarios, since the bill random code has random uncertainty, the first user will confirm payment only after confirming that the bill random codes output by the first device and the second device are consistent. Therefore, even if the bill information is cracked, the security of payment can be guaranteed, thereby improving the accuracy and security of the payment process.

[0135] Figure 3 A signaling interaction diagram of a payment method provided in the present application, the method can be interactively executed between a first device and a second device, such as Figure 3 As shown, the method includes the following steps.

[0136] Step 301: A target communication connection is established between a first device and a second device.

[0137] For the first device, the first device establishes a target communication connection with the second device in response to the opening operation of the non-page payment mode of the first device. Correspondingly, for the second device, a target communication connection is established between the second device and the first device. The target communication connection uses a target encrypted interconnection protocol for communication.

[0138] The target encryption interconnection protocol includes the target key used for communication between the first device and the second device. Exemplarily, the first device and the second device may be paired first, and after the pairing is successful, the first device and the second device may obtain the target key from the server respectively. Exemplarily, the implementation of step 301 may include the following steps 3011-3014:

[0139] Step 3011: In response to the start operation of the non-page payment mode, the first device obtains the first private key and the dynamic pairing code corresponding to the first device from the server, and broadcasts a communication message.

[0140] Exemplarily, when the first device detects the start operation of the non-page payment mode, the first device sends a first request to the server. The first request is used to request the return of the key required for pairing. The first request may carry the resource account information of the first user, the device information of the first device, and the current location information of the first device. The server may return the first private key and the dynamic pairing code to the first device based on the first request. The dynamic pairing code is a dynamic code required for pairing between the first device and the second device.

[0141] For example, the communication message may carry the current device status of the first device. For example, the device status may include the activation status of the non-page payment mode of the first device.

[0142] It should be noted that the server may establish a connection with the second device in advance, and after the connection is established, the second device and the server remain in an online connection state. In the connected state, the second device may obtain the first public key and dynamic pairing code required for pairing update from the server and store them locally. The server may also periodically update the first public key and dynamic pairing code stored locally on the second device, so that when the second device needs to collect the resources to be paid, it can establish a communication connection with the payer's device based on the first public key and dynamic pairing code at any time.

[0143] The first private key sent by the server to the first device may be a private key corresponding to the first public key. The dynamic pairing code sent by the server to the first device may be the latest dynamic pairing code of the second device.

[0144] Step 3012: In response to searching for the communication message broadcast by the first device, the second device sends a handshake request to the first device.

[0145] The handshake request is used to request pairing with the first device.

[0146] Exemplarily, in the connected state, the second device may also continuously search for connectable devices in the surrounding environment. When the second device searches for the communication message broadcast by the first device, the second device may send the handshake request to the first device.

[0147] The second device may also perform a handshake with the first device based on the device state in the communication message. For example, if the on state included in the device state is that the non-page payment mode is on, the second device will send a handshake request to the first device. If the on state included in the device state is that the non-page payment mode is not on, the second device will not send a handshake request to the first device.

[0148] Figure 4 This is an example flow chart of an interaction for establishing a target communication connection provided by this application. Figure 4 As shown, the first device can be a user's mobile phone that supports non-page payment mode for payment, and the second device can be a store terminal that supports non-page payment mode for payment collection. Figure 4 Steps 1 to 4: For the store terminal, the store terminal can stay online with the server in real time, and store the public key and dynamic pairing code locally. The server can also regularly update the public key and dynamic pairing code to the store terminal so that the store terminal can be updated locally. In addition, the store terminal can also continue to search for surrounding devices to be connected. For the user's mobile phone, the user's mobile phone can send a first request to the server based on account information, device information, and positioning information, and the server returns a first private key and a dynamic pairing code to the user's mobile phone based on the first request. The user's mobile phone can keep the user's mobile phone discoverable in Bluetooth by broadcasting. The store terminal continues to search for surrounding devices. When the store terminal searches for the user's mobile phone, the store terminal can send a handshake request to the user's mobile phone to request the user's mobile phone to pair.

[0149] Step 3013: The first device sends first encrypted data to the second device in response to a handshake request sent by the second device based on the communication message.

[0150] The first encrypted data is data obtained by encrypting the dynamic pairing code using the first private key.

[0151] Step 3014: In response to the first encrypted data returned by the first device based on the handshake request, the second device uses the first public key to decrypt the first encrypted data to obtain a dynamic pairing code, and sends a response message to the first device based on the dynamic pairing code.

[0152] The second device uses the first public key to decrypt the first encrypted number, and performs verification based on the decrypted data and the dynamic pairing code stored locally on the second device. If the verification based on the decrypted data and the locally stored dynamic pairing code is successful, that is, the second device successfully decrypts the first encrypted data using the first public key to obtain the dynamic pairing code, the second device can return a response message to the first device.

[0153] Step 3015: The first device sends the first connection information of the first device to the second device in response to the response message returned by the second device.

[0154] The response message is used to respond to the first encrypted data of the first device. The response message may indicate that the second device has successfully verified. The first device may also send first connection information to the second device based on the response message. The first connection information includes information required to establish a connection with the first device. For example, the first connection information may include but is not limited to device information of the first device, resource account information of the first user, location information of the first device, etc.

[0155] Step 3016: The second device responds to the first connection information returned by the first device based on the response message, and obtains the target key from the server based on the first connection information.

[0156] The second device may send a second request to the server based on the first connection information, and the second request is used to request to establish a target communication connection with the first device based on the first connection information. After the server verifies the first connection information, the server may send the target key used for the target communication connection to the second device. In addition, the server may also send the user information of the first user, such as the avatar and nickname of the first user, to the second device.

[0157] Step 3017: The second device returns second connection information to the first device.

[0158] The second connection information includes information required to establish a connection with the second device. For example, the second connection information may include user information of the second user and device information of the second device.

[0159] Step 3018: The first device obtains the target key from the server based on the second connection information in response to the second connection information returned by the second device.

[0160] The first device may send a third request to the server based on the second connection information, and the third request is used to request to establish a target communication connection with the second device using the second connection information. After the server verifies the second connection information, the server may send a target key used for the target communication connection to the first device. For example, the target key may be a symmetric key, and the target key returned by the server to the first device and the second device are the same key.

[0161] Step 3019: A target communication connection based on the target key is established between the first device and the second device.

[0162] Based on the above steps 3011-3018, a target communication connection using a target encrypted interconnection protocol is successfully established between the first device and the second device.

[0163] It should be noted that the above steps 3011-3019 are only illustrated based on one or several methods of short-range communication. For example, the target communication connection can be a communication connection based on a Bluetooth connection; of course, the target communication method can also use other communication connections, and this application does not limit this. For example, the target communication connection can belong to short-range communication, such as communication connections based on NFC, RFID, RS232, USB, ZigBee, NB-IoT, etc.; or, the target communication connection can also belong to a long-range communication method, such as long-range communication based on 2G / 3G / 4G / 5G, NB-IoT, WiFi.

[0164] like Figure 4 As shown, the user's mobile phone can use the first private key to encrypt the dynamic pairing code, and send the encrypted dynamic pairing code to the store terminal. The store terminal decrypts the information sent by the user's mobile phone based on the first public key, and the store terminal verifies based on the locally stored dynamic pairing code and the decrypted information. If the verification is successful, the store terminal can return a response message to the user's mobile phone. The user's mobile phone receives the response message and transmits the device information of the user's mobile phone, the account information of the first user, the location information of the user's mobile phone, etc. to the store terminal. The store terminal transparently transmits the information transmitted by the user's mobile phone to the server so that the server can verify based on the information. If the server verifies OK, the server can return the first user's avatar, nickname, and the symmetric key used to encrypt the communication data during subsequent communications to the store terminal. The clerk can select the user's avatar on the store terminal, and transmit the store information and the device information of the store terminal to the user's mobile phone to request to establish a connection with the user's mobile phone. The user's mobile phone will transparently transmit the information sent by the store terminal to the server. If the server verifies OK, it will return the symmetric key to the user's mobile phone. The symmetric key returned by the server to the user's mobile phone and the store terminal respectively is the same key, so that the data to be transmitted by the user's mobile phone and the store terminal can be transmitted using the symmetric key.

[0165] Step 302: The second device sends bill confirmation information to the first device based on the target communication connection.

[0166] Exemplarily, the bill confirmation letter may include at least one of bill information, a second user identifier, or a bill random code. If the bill confirmation information includes at least the bill random code, the second device may output at least the bill random code in the bill confirmation information to the first user.

[0167] In one possible implementation, the bill confirmation information includes bill information, a second user identifier, and a bill random code. The second device can send the bill confirmation information to the first device based on the target communication connection, and at least play the bill random code in the bill confirmation information. For example, the second device can play the bill information, the second user identifier, and the bill random code included in the bill confirmation information. Among them, taking the second device playing the bill random code as an example, the second device can use audio, video, or vibration to play the bill random code. For example, the second device can play a song clip or video clip corresponding to the bill random code. For example, play the voice signal corresponding to the random digital number. For example, the second device can vibrate according to the vibration method corresponding to the bill random code. Of course, the second device can also use audio or video and other forms to play the bill information and the voice signal corresponding to the second merchant identifier. This application does not limit this.

[0168] Step 303: The first device receives the bill confirmation information sent by the second device based on the target communication connection, and outputs the bill confirmation information to the first user.

[0169] In one possible manner, the first device may perform step 304. In another possible manner, the first device sends a second payment message to the server.

[0170] Step 304: In response to the payment confirmation operation on the bill confirmation information, the first device sends a first payment instruction message to the second device.

[0171] It should be noted that the implementation method of step 303-step 304 is the same as the process of step 202-step 203, and will not be repeated here.

[0172] Step 305: The second device sends a payment request to the server in response to the first payment instruction message sent by the first device based on the target communication connection.

[0173] The first payment instruction message includes the payment credentials of the first user, and the payment request is used to request to transfer the first user's to-be-paid resources to the second user's resources based on the payment credentials. The first payment message is a message triggered by a payment confirmation operation based on the statement confirmation information, and the payment confirmation operation is an operation based on non-page display content.

[0174] The first payment instruction message carries the payment credentials of the first user. The second device can send the payment request to the server based on the payment credentials of the first user, so that the server transfers the first user's to-be-paid resources to the second user's resources based on the payment credentials.

[0175] In another possible manner, if the first device sends a second payment message to the server, the server transfers the first user's to-be-paid resources to the second user's resources based on the first user's payment credentials carried in the first payment instruction message.

[0176] After the server completes the resource transfer, the server may return a payment success message to the first device and the second device respectively, so that the first user and the second user are informed that the payment is completed.

[0177] In one possible scenario, if the first user refuses or cancels payment based on the bill confirmation information output by the first device, the first device sends a payment cancellation message to the payment device in response to the cancellation payment operation on the bill confirmation information; wherein, the process is similar to the implementation of step 204, and will not be described in detail here.

[0178] Below Figure 5 Taking the terminal operation flow chart shown in FIG. 1 as an example, the payment process of this application is illustrated. Figure 5 As shown, the first user can open the barrier-free payment function of the mobile phone through a shortcut, such as tapping the back of the mobile phone, or pressing the power button multiple times. The mobile phone can also authenticate the first user, for example, using the fingerprint, face image, password, 9-square pattern, etc. input by the first user to authenticate the first user. If the authentication is successful, the mobile phone turns on the barrier-free interconnection payment function to enable the user to turn on the "barrier-free interconnection payment" function based on the shortcut. At this time, on the store terminal side, the store terminal can enter the product information, product amount, etc. of the goods purchased by the first user through a scanner or other input device, and display the total amount counted. After the clerk turns on the payment at the store terminal, the store terminal can display a variety of payment methods including barrier-free interconnection payment. Figure 5The payment method 1 and payment method 2 shown in the figure can be payment by presenting a QR code, payment by entering a key, etc. The store terminal jumps to the payment page of barrier-free interconnected payment and continuously searches for user devices with barrier-free payment enabled in the surrounding area. The store terminal can display the user information corresponding to each searched device, such as the avatars of users such as Zhang*san and Li*si. After the store terminal successfully establishes a target communication connection with the mobile phone of the first user (such as Zhang*san), the store terminal can enlarge the display of the avatar of the first user and display a send bill button. After the clerk triggers the button, the store terminal sends the bill confirmation information to the mobile phone of the first user. At this time, the store terminal can also play the bill confirmation information, such as playing the voice corresponding to the bill information, the store name, and the random code. The mobile phone of the first user outputs the bill confirmation information to the first user based on the method set by the user, such as the mobile phone can display the bill information, the store name, and the random code, and can also play the voice corresponding to the bill information, the store name, and the random code. After the first user triggers the confirmation payment operation, the store terminal and the mobile phone can prompt a message of successful payment. Of course, the mobile phone can also voice broadcast or display the bill information.

[0179] Above Figure 5 , Figure 6 Taking the offline payment scenario where users pay to the store as an example, many interesting ways of playing can be derived based on this process. For example, after the user completes the payment to the store, the user can also receive a subsidy red envelope for barrier-free payment, such as the server sending the corresponding coupon for this payment to the user's resource account. For another example, this application can also support scenarios where multiple people group shop and pay. For example, the current bill to be paid can be a bill for goods purchased by multiple users in a group order. The store terminal can establish target communication connections with the mobile phones of multiple users corresponding to the current bills to be paid, and the store terminal can collect payment from each user who participated in the group order.

[0180] Below Figure 6 The architecture diagram shown in the figure further introduces the steps and functions of each device in the payment process. Figure 6As shown, for the user side as the payer, the user can start the barrier-free interconnection payment mode through a shortcut. Taking the establishment of a Bluetooth connection between a mobile phone and a store's offline payment terminal as an example, the user's mobile phone needs to turn on Bluetooth and set it to the "discoverable" state to allow the store's offline payment terminal to connect to the user's mobile phone. For the merchant as the payee, the merchant's clerk confirms the bill details and waits for the user to pay. It should be noted that at this time, the clerk is not sure which payment method the user needs to use, such as scanning a code, barrier-free interconnection payment, or face recognition. The clerk selects barrier-free interconnection payment based on the user's needs. The clerk selects the user to be paid on the page displayed by the payment terminal and sends the bill. After the user's mobile phone receives the bill, the user's mobile phone can confirm with the user whether to pay again through voice broadcast, vibration feedback, etc. If the user agrees to pay and triggers the payment confirmation operation, the mobile phone can transmit the payment voucher to the offline payment terminal, and the payment voucher may include information such as the deduction key and the user's resource account identifier. The offline payment terminal executes the deduction process based on the interaction with the server. For example, the offline payment terminal requests the server to deduct the payment based on the payment voucher, and then the clerk can wait for the user to confirm the payment and the payment result. The server deducts the payment based on the payment voucher and sends the user's deduction reminder key to the mobile phone. Of course, if the user triggers the operation of refusing payment on the mobile phone, the mobile phone will feedback the payment refusal instruction, and the offline payment terminal and the server will not perform the deduction process.

[0181] The payment method provided by the present application establishes a target communication connection between the first device and the second device based on a target encrypted interconnection protocol for communication, so that the second device can send bill confirmation information to the first device based on the target communication connection, thereby ensuring the security of data transmission. In addition, when receiving the first payment instruction message sent by the first device, the second device completes the payment by sending a payment request to the server. Since the first payment message is a message triggered by a payment confirmation operation based on the bill confirmation information, and the payment confirmation operation is based on an operation of non-page display content, the payment process can complete the payment safely without the need for operations such as presenting a QR code and entering a password based on the page display content, thereby improving the applicability and convenience of payment while ensuring payment security.

[0182] Furthermore, the first user can confirm payment through the bill confirmation information output by the first device, such as bill information, second user identification and other information, to ensure the accuracy and security of payment. In addition, the bill confirmation information can also include a bill random code, which the second device can output to the first user, and the first device at least displays or plays the bill random code to the first user. Especially for close-range payment scenarios, since the bill random code has random uncertainty, the first user will confirm payment only after confirming that the bill random codes output by the first device and the second device are consistent. Therefore, even if the bill information is cracked, the security of payment can be guaranteed, thereby improving the accuracy and security of the payment process.

[0183] Figure 7 A schematic diagram of a payment device provided in an embodiment of the present application. The device is applied to a first device, such as Figure 7 As shown, the device comprises:

[0184] A first communication connection establishing module 701 is used to establish a target communication connection with a second device in response to a start operation of a non-page payment mode, where the target communication connection uses a target encrypted interconnection protocol for communication;

[0185] A bill confirmation information receiving module 702, configured to receive bill confirmation information sent by the second device based on the target communication connection, and output the bill confirmation information to the first user;

[0186] The payment indication message sending module 703 is used to send a payment indication message to the payment device in response to a payment confirmation operation on the bill confirmation information. The payment confirmation operation is an operation based on non-page display content. The payment indication message carries the payment credential of the first user. The payment indication message indicates that a resource deduction operation is completed based on the payment credential.

[0187] In a possible implementation, the bill confirmation information includes bill information, a second user identifier, and a bill random code;

[0188] The bill confirmation information receiving module is used for at least one of the following:

[0189] Display the bill confirmation information on the application page of the target application;

[0190] At least the bill random code in the bill confirmation information is played.

[0191] In one possible implementation, the target encrypted interconnection protocol includes a target key used for communication between the first device and the second device;

[0192] The first communication connection establishing module is used to:

[0193] In response to the opening operation of the non-page payment mode, obtaining a first private key and a dynamic pairing code corresponding to the first device from the server, and broadcasting a communication message;

[0194] In response to a handshake request sent by the second device based on the communication message, sending first encrypted data to the second device, where the first encrypted data is data obtained by encrypting the dynamic pairing code using the first private key;

[0195] In response to the response message returned by the second device, sending the first connection information of the first device to the second device;

[0196] In response to the second connection information returned by the second device, the target key is obtained from the server based on the second connection information, and a target communication connection based on the target key is established with the second device.

[0197] In a possible implementation, the payment instruction message sending module is used for any of the following:

[0198] The payment device is a second device, and a first payment instruction message is sent to the second device based on the target communication connection, wherein the first payment instruction message is used to trigger the second device to send a payment request to the server, wherein the payment request is used to request to transfer the to-be-paid resources of the first user to the resources of the second user based on the payment voucher;

[0199] The payment device is a server, and a second payment instruction message is sent to the server, where the second payment instruction message is used to request that the resources to be paid of the first user be transferred to the resources of the second user based on the payment credential.

[0200] In one possible implementation, the payment confirmation operation includes at least one of a fingerprint input operation, a double-click on the back of the first device operation, a double-click on the power button operation, and a target symbol drawing operation.

[0201] In one possible implementation, the device further includes:

[0202] The payment rejection module is used to send a payment cancellation message to the payment device in response to the cancellation payment operation on the bill confirmation information.

[0203] The payment method provided in the present application, by establishing a target communication connection based on the target encrypted interconnection protocol between the first device and the second device when the non-page payment mode is turned on, enables the first device to receive the bill confirmation information sent by the second device based on the target communication connection, thereby ensuring the security of data transmission. In addition, when a payment confirmation operation for the bill confirmation information is detected, the first device can send a payment instruction message to the payment device so that the payment device completes the payment. Since the payment confirmation operation is based on non-page display content, the payment process can complete the payment safely without the need for operations such as presenting a QR code and entering a password based on page display content, thereby improving the applicability and convenience of payment while ensuring payment security.

[0204] Figure 8 A schematic diagram of a payment device provided in an embodiment of the present application. The device is applied to a second device, such as Figure 8 As shown, the device comprises:

[0205] The second communication connection establishing module 801 is used to establish a target communication connection with the first device, and the target communication connection uses a target encrypted interconnection protocol for communication;

[0206] A bill confirmation information sending module 802, configured to send bill confirmation information to the first device based on the target communication connection;

[0207] A payment request sending module 803, configured to send a payment request to a server in response to a first payment instruction message sent by the first device based on the target communication connection;

[0208] Among them, the first payment indication message includes the payment credential of the first user, and the payment request is used to request to transfer the first user's to-be-paid resources to the second user's resources based on the payment credential. The first payment message is a message triggered by a confirmation payment operation based on the statement confirmation information, and the confirmation payment operation is an operation based on non-page display content.

[0209] In a possible implementation, the bill confirmation information includes bill information, a second user identifier, and a bill random code;

[0210] The bill confirmation information sending module is used to send the bill confirmation information to the first device based on the target communication connection, and at least play the bill random code in the bill confirmation information.

[0211] In one possible implementation, the target encrypted interconnection protocol includes a target key used for communication between the first device and the second device;

[0212] The second communication connection establishing module is used to:

[0213] In response to searching for a communication message broadcast by the first device, sending a handshake request to the first device;

[0214] In response to first encrypted data returned by the first device based on the handshake request, decrypt the first encrypted data using the first public key to obtain a dynamic pairing code, and send a response message to the first device based on the dynamic pairing code;

[0215] In response to the first connection information returned by the first device based on the response message, acquiring the target key from the server based on the first connection information;

[0216] The second connection information is returned to the first device, and a target communication connection based on the target key is established with the first device.

[0217] The payment method provided by the present application establishes a target communication connection between the first device and the second device based on a target encrypted interconnection protocol for communication, so that the second device can send bill confirmation information to the first device based on the target communication connection, thereby ensuring the security of data transmission. In addition, when receiving the first payment instruction message sent by the first device, the second device completes the payment by sending a payment request to the server. Since the first payment message is a message triggered by a payment confirmation operation based on the bill confirmation information, and the payment confirmation operation is based on an operation of non-page display content, the payment process can complete the payment safely without the need for operations such as presenting a QR code and entering a password based on the page display content, thereby improving the applicability and convenience of payment while ensuring payment security.

[0218] The device of the embodiments of the present application can execute the method provided by the embodiments of the present application, and the implementation principles are similar. The actions performed by each module in the device of each embodiment of the present application correspond to the steps in the method of each embodiment of the present application. For the detailed functional description of each module of the device, please refer to the description in the corresponding method shown in the previous text, which will not be repeated here.

[0219] Fig. 9 1 is a schematic diagram of the structure of a computer device provided in an embodiment of the present application. Fig. 9 As shown, the computer device includes: a memory, a processor and a computer program stored in the memory, and the processor executes the above computer program to implement the steps of the payment method. Compared with the related art, the following can be achieved:

[0220] The payment method provided in the present application, by establishing a target communication connection based on the target encrypted interconnection protocol between the first device and the second device when the non-page payment mode is turned on, enables the first device to receive the bill confirmation information sent by the second device based on the target communication connection, thereby ensuring the security of data transmission. In addition, when a payment confirmation operation for the bill confirmation information is detected, the first device can send a payment instruction message to the payment device so that the payment device completes the payment. Since the payment confirmation operation is based on non-page display content, the payment process can complete the payment safely without the need for operations such as presenting a QR code and entering a password based on page display content, thereby improving the applicability and convenience of payment while ensuring payment security.

[0221] In an alternative embodiment, a computer device is provided, such as Fig. 9 As shown, Fig. 9 The computer device 900 shown includes: a processor 901 and a memory 903. The processor 901 and the memory 903 are connected, such as through a bus 902. Optionally, the computer device 900 may also include a transceiver 904, which may be used for data interaction between the computer device and other computer devices, such as data transmission and / or data reception. It should be noted that in actual applications, the transceiver 904 is not limited to one, and the structure of the computer device 900 does not constitute a limitation on the embodiments of the present application.

[0222] Processor 901 may be a CPU (Central Processing Unit), a general purpose processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. It may implement or execute various exemplary logic blocks, modules and circuits described in conjunction with the disclosure of this application. Processor 901 may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0223] The bus 902 may include a path to transmit information between the above components. The bus 902 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus 902 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Fig. 9 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0224] The memory 903 can be a ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory) or other types of dynamic storage devices that can store information and instructions, or an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory) or other optical disk storage, optical disk storage (including compressed optical disk, laser disk, optical disk, digital versatile disk, Blu-ray disk, etc.), magnetic disk storage medium\other magnetic storage devices, or any other medium that can be used to carry or store computer programs and can be read by a computer, without limitation herein.

[0225] The memory 903 is used to store the computer program for executing the embodiment of the present application, and the execution is controlled by the processor 901. The processor 901 is used to execute the computer program stored in the memory 903 to implement the steps shown in the above method embodiment.

[0226] Among them, electronic devices include but are not limited to: smart phones, smart bracelets, smart watches, cash register terminals, smart robots, etc.

[0227] An embodiment of the present application provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps and corresponding contents of the aforementioned method embodiment can be implemented.

[0228] The embodiment of the present application also provides a computer program product, including a computer program, which can implement the steps and corresponding contents of the aforementioned method embodiment when executed by a processor.

[0229] Those skilled in the art will appreciate that, unless otherwise stated, the singular forms "a", "an", "said", and "the" used herein may also include plural forms. The terms "include" and "comprise" used in the embodiments of the present application mean that the corresponding features can be implemented as the presented features, information, data, steps, and operations, but do not exclude the implementation as other features, information, data, steps, operations, etc. supported by the technical field.

[0230] The terms "first", "second", "third", "fourth", "1", "2", etc. (if any) in the specification and claims of this application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the numbers used in this way can be interchanged where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than that shown or described in the drawings.

[0231] It should be understood that, although each operation step is indicated by arrows in the flowchart of the embodiment of the present application, the implementation order of these steps is not limited to the order indicated by the arrows. Unless clearly stated herein, in some implementation scenarios of the embodiment of the present application, the implementation steps in each flowchart can be performed in other orders according to demand. In addition, some or all of the steps in each flowchart may include multiple sub-steps or multiple stages based on actual implementation scenarios. Some or all of these sub-steps or stages may be executed at the same time, and each sub-step or stage in these sub-steps or stages may also be executed at different times respectively. In different scenarios of execution time, the execution order of these sub-steps or stages may be flexibly configured according to demand, and the embodiment of the present application does not limit this.

[0232] The above is only an optional implementation method for some implementation scenarios of the present application. It should be pointed out that for ordinary technicians in this technical field, without departing from the technical concept of the solution of the present application, other similar implementation methods based on the technical ideas of the present application are also within the protection scope of the embodiments of the present application.

Claims

1. A payment method, characterized in that: The method is applied to a first device, and the method includes: In response to the start-up operation of the non-page payment mode, a target communication connection is established with the second device, including: in response to the start-up operation of the non-page payment mode, obtaining a first private key and a dynamic pairing code corresponding to the first device from a server, and broadcasting a communication message; in response to a handshake request sent by the second device based on the communication message, sending first encrypted data to the second device, wherein the first encrypted data is data obtained by encrypting the dynamic pairing code using the first private key; in response to a response message returned by the second device, sending first connection information of the first device to the second device; in response to the second connection information returned by the second device, obtaining a target key from the server based on the second connection information, and establishing a target communication connection based on the target key with the second device; the target communication connection uses a target encrypted interconnection protocol for communication; receiving bill confirmation information sent by the second device based on the target communication connection, and outputting the bill confirmation information to the first user; In response to a payment confirmation operation on the bill confirmation information, a payment instruction message is sent to a payment device, wherein the payment confirmation operation is an operation based on non-page display content, the payment instruction message carries the payment credentials of the first user, and the payment instruction message indicates that a resource deduction operation is completed based on the payment credentials.

2. The method according to claim 1, characterized in that The bill confirmation information includes bill information, a second user identifier and a bill random code; The step of outputting the bill confirmation information to the first user includes at least one of the following: Displaying the bill confirmation information on an application page of the target application; At least the bill random code in the bill confirmation information is played.

3. The method according to claim 1, characterized in that The target encryption interconnection protocol includes a target key used for communication between the first device and the second device.

4. The method according to claim 1, characterized in that: The sending of a payment instruction message to the payment device includes any of the following: The payment device is a second device, and a first payment instruction message is sent to the second device based on the target communication connection, wherein the first payment instruction message is used to trigger the second device to send a payment request to the server, wherein the payment request is used to request to transfer the to-be-paid resources of the first user to the resources of the second user based on the payment credential; The payment device is a server, and a second payment instruction message is sent to the server, where the second payment instruction message is used to request that the resources to be paid of the first user be transferred to the resources of the second user based on the payment credential.

5. The method according to claim 1, characterized in that The payment confirmation operation includes at least one of a fingerprint input operation, a double-clicking operation on the back of the first device, a double-clicking operation on the power button, and a target symbol drawing operation.

6. The method according to claim 1, characterized in that The method further comprises: In response to the cancellation of the payment operation on the bill confirmation information, a payment cancellation message is sent to the payment device.

7. A payment method, characterized in that: The method is applied to a second device, and the method includes: Establishing a target communication connection with a first device, comprising: in response to searching for a communication message broadcast by the first device, sending a handshake request to the first device; in response to first encrypted data returned by the first device based on the handshake request, decrypting the first encrypted data using a first public key to obtain a dynamic pairing code, and sending a response message to the first device based on the dynamic pairing code; in response to first connection information returned by the first device based on the response message, obtaining a target key from a server based on the first connection information; returning second connection information to the first device, and establishing a target communication connection based on the target key with the first device; the target communication connection uses a target encrypted interconnection protocol for communication; sending bill confirmation information to the first device based on the target communication connection; In response to a first payment instruction message sent by the first device based on the target communication connection, sending a payment request to a server; Among them, the first payment indication message includes the payment credential of the first user, and the payment request is used to request to transfer the first user's to-be-paid resources to the second user's resources based on the payment credential. The first payment indication message is a message triggered by a payment confirmation operation based on the statement confirmation information, and the payment confirmation operation is an operation based on non-page display content.

8. The method according to claim 7, characterized in that The bill confirmation information includes bill information, a second user identifier and a bill random code; The sending bill confirmation information to the first device based on the target communication connection includes: Send bill confirmation information to the first device based on the target communication connection, and play at least the bill random code in the bill confirmation information.

9. The method according to claim 7, characterized in that: The target encryption interconnection protocol includes a target key used for communication between the first device and the second device.

10. A payment device, characterized in that: The device is applied to a first device, and includes: The first communication connection establishment module is used to establish a target communication connection with the second device in response to the start-up operation of the non-page payment mode, including: in response to the start-up operation of the non-page payment mode, obtaining the first private key and dynamic pairing code corresponding to the first device from the server, and broadcasting a communication message; in response to the handshake request sent by the second device based on the communication message, sending first encrypted data to the second device, wherein the first encrypted data is data obtained by encrypting the dynamic pairing code using the first private key; in response to the response message returned by the second device, sending first connection information of the first device to the second device; in response to the second connection information returned by the second device, obtaining the target key from the server based on the second connection information, and establishing a target communication connection based on the target key with the second device; the target communication connection uses a target encrypted interconnection protocol for communication; a bill confirmation information receiving module, configured to receive bill confirmation information sent by the second device based on the target communication connection, and output the bill confirmation information to the first user; A payment indication message sending module is used to send a payment indication message to a payment device in response to a payment confirmation operation on the bill confirmation information, wherein the payment confirmation operation is an operation based on non-page display content, and the payment indication message carries the payment credential of the first user, and the payment indication message indicates that a resource deduction operation is completed based on the payment credential.

11. A payment device, characterized in that: The device is applied to a second device, and includes: A second communication connection establishment module is used to establish a target communication connection with a first device, including: in response to searching for a communication message broadcast by the first device, sending a handshake request to the first device; in response to the first encrypted data returned by the first device based on the handshake request, decrypting the first encrypted data using a first public key to obtain a dynamic pairing code, and sending a response message to the first device based on the dynamic pairing code; in response to the first connection information returned by the first device based on the response message, obtaining a target key from a server based on the first connection information; returning second connection information to the first device, and establishing a target communication connection based on the target key with the first device; the target communication connection uses a target encrypted interconnection protocol for communication; a bill confirmation information sending module, configured to send bill confirmation information to the first device based on the target communication connection; a payment request sending module, configured to send a payment request to a server in response to a first payment instruction message sent by the first device based on the target communication connection; Among them, the first payment indication message includes the payment credential of the first user, and the payment request is used to request to transfer the first user's to-be-paid resources to the second user's resources based on the payment credential. The first payment indication message is a message triggered by a payment confirmation operation based on the statement confirmation information, and the payment confirmation operation is an operation based on non-page display content.

12. A computer device comprising a memory, a processor and a computer program stored in the memory, characterized in that: The processor executes the computer program to implement the payment method according to any one of claims 1 to 9.

13. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the payment method according to any one of claims 1 to 9 is implemented.

14. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the payment method according to any one of claims 1 to 9 is implemented.

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