Order processing method and device based on near field communication

Abstract

The embodiments of this specification provide an order processing method and device based on near field communication, wherein an order processing method based on near field communication includes: in the process of order processing, calling a near field communication component to cooperate with a merchant's merchant device to establish a near field communication connection, and receiving settlement information sent by the merchant device through the near field communication connection, sending the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the user's identity credential status in the merchant, rendering and displaying a page according to the settlement instruction and the identity credential data issued by the server, and cooperating with the server to perform identity credential processing based on the displayed identity credential page, if a settlement instruction based on the identity credential is detected, jumping to the merchant subroutine and sending the settlement information and user identification, so as to perform order confirmation and order payment in the merchant subroutine.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to an order processing method and device based on near field communication. Background Art

[0002] With the continuous development of Internet technology, the continuous improvement of users' living standards and the continuous updating of hardware equipment, more and more smart devices have begun to appear in users' lives, greatly facilitating users' lives. Among them, NFC (Near Field Communication) technology has been widely used in smart door cards, identity recognition and other fields due to its convenience and security. With the continuous development of NFC technology, its application in the payment field has gradually increased. Users can use NFC to pay for orders quickly and safely. As more and more users use NFC technology to pay, user needs are also changing. How to provide better NFC services and payment services has become a focus of increasing attention from all parties. Summary of the invention

[0003] One or more embodiments of the present specification provide a first order processing method based on near field communication, including: calling a near field communication component to cooperate with a merchant's merchant device to establish a near field communication connection, and receiving settlement information sent by the merchant device through the near field communication connection; sending the settlement information to a server to perform an identity credential query and obtain identity credential data corresponding to the user's identity credential status at the merchant; rendering and displaying a page based on the settlement information and the identity credential data issued by the server, and performing identity credential processing in cooperation with the server based on the displayed identity credential page; if a settlement instruction based on the identity credential is detected, jumping to a merchant subroutine and sending the settlement information and a user identifier to perform order confirmation and order payment in the merchant subroutine.

[0004] One or more embodiments of the present specification provide a second order processing method based on near-field communication, including: receiving settlement information sent by a user terminal; the settlement information is sent to the user terminal by a merchant device through an established near-field communication connection; performing an identity credential query based on a user identifier and a merchant identifier contained in the settlement information; based on the queried identity credential status of the user at the merchant, obtaining identity credential data corresponding to the identity credential status and issuing it to the user terminal; cooperating with the user terminal to perform identity credential processing so that the user terminal jumps to a merchant subroutine to confirm and pay for the order after detecting a settlement instruction based on the identity credential.

[0005] One or more embodiments of the present specification provide a third order processing method based on near-field communication, including: obtaining settlement information input through a settlement page, rendering and displaying a near-field payment page of the settlement information; calling a near-field communication component to detect a user terminal, and establishing a near-field communication connection with the detected user terminal; sending the settlement information to the user terminal through the near-field communication connection, so that the user terminal cooperates with the server to perform identity credential processing based on the settlement information, and jumps to the merchant subroutine to confirm and pay for the order based on the settlement instruction of the user's identity credential at the merchant.

[0006] One or more embodiments of the present specification provide a first order processing device based on near field communication, including: a settlement information receiving module, configured to call a near field communication component to cooperate with a merchant's merchant device to establish a near field communication connection, and receive settlement information sent by the merchant device through the near field communication connection; a settlement information sending module, configured to send the settlement information to a server to perform an identity credential query and obtain identity credential data corresponding to the user's identity credential status at the merchant; an identity credential page display module, configured to render and display a page based on the settlement information and the identity credential data issued by the server, and perform identity credential processing based on the displayed identity credential page in cooperation with the server; if a settlement instruction based on the identity credential is detected, a subroutine jump module is run, and the subroutine jump module is configured to jump to the merchant subroutine and send the settlement information and user identification to perform order confirmation and order payment in the merchant subroutine.

[0007] One or more embodiments of the present specification provide a second order processing device based on near-field communication, including: a settlement information receiving module, configured to receive settlement information sent by a user terminal; the settlement information is sent to the user terminal by a merchant device through an established near-field communication connection; an identity credential query module, configured to perform identity credential query based on a user identifier and a merchant identifier included in the settlement information; an identity credential data sending module, configured to obtain identity credential data corresponding to the identity credential status of the user in the merchant based on the queried identity credential status of the user and send it to the user terminal; an identity credential processing module, configured to cooperate with the user terminal to perform identity credential processing, so that the user terminal jumps to the merchant subroutine to confirm the order and pay for the order after detecting a settlement instruction based on the identity credential.

[0008] One or more embodiments of the present specification provide a third order processing device based on near-field communication, including: a settlement information acquisition module, configured to acquire settlement information input through a settlement page, and render and display a near-field payment page of the settlement information; a near-field communication connection establishment module, configured to call a near-field communication component to perform user terminal detection, and establish a near-field communication connection with the detected user terminal; a settlement information sending module, configured to send the settlement information to the user terminal through the near-field communication connection, so that the user terminal cooperates with the server to perform identity credential processing based on the settlement information, and jumps to the merchant subroutine to confirm and pay for the order based on the settlement instruction of the user's identity credential at the merchant.

[0009] One or more embodiments of the present specification provide a first near-field communication-based order processing device, comprising: a processor; and a memory configured to store computer-executable instructions, wherein the computer-executable instructions, when executed, cause the processor to: call a near-field communication component to cooperate with a merchant's merchant device to establish a near-field communication connection, and receive settlement information sent by the merchant device through the near-field communication connection; send the settlement information to a server to perform an identity credential query and obtain identity credential data corresponding to the user's identity credential status at the merchant; render and display a page based on the settlement information and the identity credential data issued by the server, and perform identity credential processing in cooperation with the server based on the displayed identity credential page; if a settlement instruction based on the identity credential is detected, jump to a merchant subroutine and send the settlement information and a user identifier to perform order confirmation and order payment at the merchant subroutine.

[0010] One or more embodiments of the present specification provide a second near-field communication-based order processing device, comprising: a processor; and a memory configured to store computer-executable instructions, wherein the computer-executable instructions, when executed, cause the processor to: receive settlement information sent by a user terminal; the settlement information is sent by a merchant device to the user terminal through an established near-field communication connection; perform an identity credential query based on a user identifier and a merchant identifier included in the settlement information; obtain identity credential data corresponding to the identity credential status based on the queried identity credential status of the user in the merchant and issue the identity credential data to the user terminal; cooperate with the user terminal to perform identity credential processing so that the user terminal jumps to the merchant subroutine to confirm and pay for the order after detecting a settlement instruction based on the identity credential.

[0011] One or more embodiments of the present specification provide a third near-field communication-based order processing device, comprising: a processor; and a memory configured to store computer-executable instructions, wherein the computer-executable instructions, when executed, cause the processor to: obtain settlement information input through a settlement page, render and display a near-field payment page for the settlement information; call a near-field communication component to perform user terminal detection, and establish a near-field communication connection with the detected user terminal; send the settlement information to the user terminal through the near-field communication connection, so that the user terminal cooperates with a server to perform identity credential processing based on the settlement information, and jumps to a merchant subroutine to perform order confirmation and order payment based on the settlement instruction of the user's identity credential at the merchant.

[0012] One or more embodiments of the present specification provide a first storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: calling a near field communication component to cooperate with a merchant's merchant device to establish a near field communication connection, and receiving settlement information sent by the merchant device through the near field communication connection; sending the settlement information to a server to perform an identity credential query and obtain identity credential data corresponding to the user's identity credential status at the merchant; rendering and displaying a page based on the settlement information and the identity credential data issued by the server, and performing identity credential processing in cooperation with the server based on the displayed identity credential page; if a settlement instruction based on the identity credential is detected, jumping to a merchant subroutine and sending the settlement information and a user identifier to perform order confirmation and order payment in the merchant subroutine.

[0013] One or more embodiments of the present specification provide a second storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: receiving settlement information sent by a user terminal; the settlement information is sent to the user terminal by a merchant device through an established near-field communication connection; performing an identity credential query based on a user identifier and a merchant identifier included in the settlement information; obtaining identity credential data corresponding to the identity credential status based on the queried identity credential status of the user at the merchant and issuing the identity credential data to the user terminal; cooperating with the user terminal to perform identity credential processing so that the user terminal jumps to a merchant subroutine to confirm and pay for an order after detecting a settlement instruction based on the identity credential.

[0014] One or more embodiments of the present specification provide a third storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: obtaining settlement information input through a settlement page, rendering and displaying a near-field payment page for the settlement information; calling a near-field communication component to detect a user terminal, and establishing a near-field communication connection with the detected user terminal; sending the settlement information to the user terminal through the near-field communication connection, so that the user terminal cooperates with the server to perform identity credential processing based on the settlement information, and jumps to the merchant subroutine to confirm and pay for the order based on the settlement instruction of the user's identity credential at the merchant. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative work.

[0016] Figure 1 A schematic diagram of an implementation environment of an order processing method based on near field communication provided in one or more embodiments of this specification;

[0017] Figure 2 A flow chart of a first order processing method based on near field communication provided for one or more embodiments of this specification;

[0018] FIG. 3( a ) is a schematic diagram of a settlement page of a first merchant device provided in one or more embodiments of this specification;

[0019] FIG3( b ) is a schematic diagram of a settlement page of a second merchant device provided in one or more embodiments of this specification;

[0020] FIG3( c ) is a schematic diagram of a settlement page of a third merchant device provided in one or more embodiments of this specification;

[0021] Figure 4 A schematic diagram of a near-field payment page of a merchant device provided in one or more embodiments of this specification;

[0022] Figure 5 A schematic diagram of a scanning payment page of a merchant device provided in one or more embodiments of this specification;

[0023] Figure 6 A schematic diagram of a loading page of a user terminal provided in one or more embodiments of this specification;

[0024] Figure 7 A schematic diagram of a credential interaction page of a user terminal provided in one or more embodiments of this specification;

[0025] FIG8( a) is a schematic diagram of a credential registration page of a user terminal provided by one or more embodiments of this specification;

[0026] FIG8( b) is a schematic diagram of an identity credential page of a user terminal provided by one or more embodiments of this specification;

[0027] Fig. 9 A schematic diagram of a product page of a user terminal provided in one or more embodiments of this specification;

[0028] Fig.10 A processing sequence diagram of an order processing method based on near field communication applied to a registered member payment scenario provided in one or more embodiments of this specification;

[0029] Fig.11 A processing sequence diagram of an order processing method based on near field communication applied to an unregistered member payment scenario provided in one or more embodiments of this specification;

[0030] Fig.12 A processing flow chart of a second method for processing an order based on near field communication provided in one or more embodiments of this specification;

[0031] Fig.13 A processing flow chart of a third method for processing an order based on near field communication provided for one or more embodiments of this specification;

[0032] Fig.14 A schematic diagram of a first embodiment of an order processing device based on near field communication provided for one or more embodiments of this specification;

[0033] Fig.15 A schematic diagram of a second embodiment of an order processing device based on near field communication provided for one or more embodiments of this specification;

[0034] Fig.16 A schematic diagram of a third embodiment of an order processing device based on near field communication provided for one or more embodiments of this specification;

[0035] Fig.17 A schematic diagram of the structure of a first near field communication-based order processing device provided for one or more embodiments of this specification;

[0036] Fig.18 A schematic diagram of the structure of a second near field communication-based order processing device provided for one or more embodiments of this specification;

[0037] Fig.19 A schematic diagram of the structure of a third near field communication-based order processing device provided for one or more embodiments of this specification. DETAILED DESCRIPTION

[0038] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0039] One or more of the order processing methods based on near field communication provided in this embodiment can be applied to the implementation environment of order payment. Figure 1 , the implementation environment includes at least a user terminal 101, which can be a smart phone, tablet computer, e-book reader, wearable device, device for information interaction based on AR (Augmented Reality) / VR (Virtual Reality), etc. The user terminal 101 is used to establish a near-field communication connection with the merchant device 103 to obtain settlement information, interact with the server 102 to process identity credentials, and jump to the merchant mini program to confirm and pay for the order. The client of the application to which the merchant mini program belongs can be configured in the user terminal 101 to process identity credentials in the application and jump to the merchant subprogram; in addition, the user terminal 101 can also cooperate with the merchant server 104 and the server 102 to pay for the order.

[0040] The implementation environment also includes at least a server 102, which may be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform. The server 102 may be used to store the identity credential data of each user at the merchant, to query the identity credential status of the user at the merchant, and to cooperate with the user terminal 101 to perform identity credential processing. The server 102 may also cooperate with the merchant server 104 to process order payment. In addition, some functions of the server 102 may also be implemented by the merchant server 104, for example: the merchant server 104 may store the identity credential data and / identity credential status of each user at the merchant, and the server 102 may send a query request to the merchant server 104, so that the merchant server 104 may query the identity credential data and / identity credential status of the user at the merchant and return it to the server 102.

[0041] The implementation environment also includes at least a merchant device 103, which may be a terminal device equipped with an NFC component and a screen. The merchant device 103 is used to obtain externally input settlement information and establish a near field communication connection with the user terminal 101, and transmit the settlement information to the user terminal 101. The settlement information may be input by a member of the merchant after interacting with the merchant device 103.

[0042] The implementation environment may also include a merchant server 104, which may be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform. The merchant server 104 may be used to carry the operation of the merchant subroutine, that is, the merchant server 104 may cooperate with the user terminal 101 to perform order confirmation and order payment. In addition, the merchant server 104 may also cooperate with the server 102 to perform order payment, that is, after the user terminal 101 confirms the order, the merchant server 104 sends the order information to the server 102, and the server 102 performs payment processing according to the order information. In addition, the merchant server 104 may also store the identity credential data and / or identity credential status of each user in the merchant.

[0043] In this implementation environment, during the order payment process, the merchant device 103 first obtains the settlement information entered by the merchant member, renders and displays the payment guide page, and at the same time calls the near field communication component to detect the user terminal, establishes a near field communication connection with the detected user terminal 101, and sends the settlement information to the user terminal 101 through the near field communication connection. The user terminal 101 forwards the settlement information to the server 102. The server 102 queries the user's identity credential status in the merchant according to the user identifier and the merchant identifier in the settlement information, and obtains the identity credential data corresponding to the identity credential status and sends it to the user terminal 101. The user terminal 101 renders and displays the identity credential page according to the settlement information and the identity credential data, and cooperates with the server 102 to perform identity credential processing. After detecting the settlement instruction based on the identity credential, it jumps to the merchant subroutine and sends the settlement information and user identifier to the merchant server 104. The merchant server 104 cooperates with the user terminal 101 to confirm the order and pay the order.

[0044] One or more embodiments of the first near field communication-based order processing method provided in this specification are as follows:

[0045] Reference Figure 2 The order processing method based on near field communication provided in this embodiment can be applied to a user terminal, and specifically includes steps S202 to S208.

[0046] Step S202: calling the near field communication component to cooperate with the merchant's merchant device to establish a near field communication connection, and receiving the settlement information sent by the merchant device through the near field communication connection.

[0047] In actual applications, there are situations where the merchant's venue is large and the settlement and / or cashier area is too crowded, for example: the venue area of ​​large supermarkets and large shopping places is too large, the payment area is too fixed, and users need to queue up after shopping; in response to this, this embodiment inputs settlement information into a handheld wireless merchant device, and transmits the settlement information to the user terminal through an NFC connection, so that the user terminal can confirm and pay for the order in the merchant subroutine, thereby realizing quick order creation, order confirmation and order payment without a cashier device. Furthermore, the user terminal can also cooperate with the server to query the user's identity credentials at the merchant, and submit settlement instructions based on the identity credentials, thereby realizing quick member payment without a fixed cashier area.

[0048] In this embodiment, the merchant device refers to a handheld wireless device that is used to receive settlement information or product information input by merchant members and send the settlement information to the user terminal through an NFC connection. Specifically, the merchant device may include an NFC device configured with a display component and an NFC component; the merchant device may also be configured with a client of a third-party application, and the merchant device inputs settlement information through the installed third-party application, for example: the merchant device may be configured with a client of a payment application, and the merchant device inputs settlement information through the payment application; the merchant device may render a near-field payment page through a third-party application and send settlement information to the user terminal, that is: the user terminal may establish an NFC connection with the merchant device in the third-party application; optionally, the third-party application renders a near-field payment page by calling a near-field payment interface and sends settlement information to the user terminal.

[0049] Furthermore, the merchant device can be a networked device connected to the Internet. The merchant device can interact with the merchant server to obtain the settlement information of each commodity for merchant members to select and input, and at the same time send the settlement information to the user terminal through the Internet through a third-party application. Furthermore, the third-party application can also call the server to which the third-party application belongs through the network connection of the merchant device to render the near-field payment page. The merchant device is only used to receive and display the near-field payment page. In addition, the merchant device can also be an offline NFC device. The settlement information of each commodity is stored in the merchant device for merchant members to select and input. Furthermore, the third-party application is also an offline application. The third-party application calls the near-field payment interface and renders and displays the near-field payment page through the rendering component of the merchant device.

[0050] In the specific implementation, the merchant member first interacts with the merchant device to input the settlement information. After receiving the settlement information, the merchant device renders and displays the near-field payment page of the settlement information, and at the same time calls the NFC component to detect the user terminal. When the user terminal is detected within the NFC broadcast range, the NFC component is called to establish an NFC connection with the detected user terminal, and the settlement information is sent to the user terminal through the NFC connection; the user terminal calls the near-field communication component to cooperate with the merchant device to establish an NFC connection, and receives the settlement information transmitted by the merchant device through the NFC connection.

[0051] In this embodiment, the settlement information refers to the settlement information of the goods entered by the merchant member, which may be the detailed information of the goods, the settlement amount of the goods, the merchant information, the receipt information of the goods, etc. It may also be a combination of two or more of the above information, which is not limited in this embodiment. Optionally, the settlement information includes the goods information and the merchant identification; wherein the goods information includes the detailed information of the goods and / or the settlement amount.

[0052] Specifically, the settlement information can be input through the settlement page displayed by the merchant device through the merchant member. After obtaining the settlement information, the merchant device can also render and display the near-field payment page of the settlement information. That is, the merchant device obtains the settlement information input through the settlement page and renders the near-field payment page displaying the settlement information. As shown in Figures 3 and Figure 4 As shown, the merchant member triggers the new product order button 301 on the first settlement page shown in FIG. 3(a), enters the second settlement page shown in FIG. 3(b), and triggers the submit button 302 after inputting the product information and the merchant ID of the merchant on the second settlement page, and enters the third settlement page shown in FIG. 3(c). After the merchant member triggers the initiate payment button 303 on the third settlement page, the following is displayed: Figure 4 The near-field payment page shown is used to guide the user terminal to establish a near-field communication connection with the merchant device. In addition, the merchant ID can also be written into the settlement page through the merchant device, that is, the merchant device generates a settlement page carrying the merchant ID, and the merchant member enters the product information on the settlement page to obtain the settlement information of the settlement page.

[0053] During the specific execution process, while the merchant device displays the near-field payment page, or after the merchant device displays the near-field payment page, the near-field communication component can be called to detect the user terminal and establish an NFC connection with the detected user terminal to send the settlement information to the user terminal; optionally, the near-field communication connection is established after the merchant device obtains the settlement information entered through the settlement page and renders the near-field payment page that displays the settlement information. Optionally, the near-field communication connection is established after the merchant device calls the near-field communication component to detect the user terminal; the near-field communication component is called after the settlement information entered on the settlement page is obtained and the near-field payment page of the settlement information is rendered.

[0054] In addition, when the merchant device calls the near-field communication component and fails to detect the user terminal, or when the merchant device calls the near-field communication component and fails to establish an NFC connection with the user terminal, a near-field communication reminder page can be displayed. The near-field communication reminder page can be displayed after the near-field payment page display time expires to remind the user to turn on the NFC switch and approach the merchant device for NFC connection. Specifically, the merchant device can detect whether there is a user terminal close to the merchant device through detection components such as infrared components and image acquisition components. When a user terminal close to the merchant device is detected and the NFC connection fails, a near-field communication reminder page can be displayed. Optionally, after detecting the user terminal, the detection component of the merchant device calls the near-field communication component to establish a near-field communication connection with the detected user terminal. If the connection fails, a near-field communication reminder page is displayed.

[0055] It should be noted that the near-field payment page displayed by the merchant device can also be replaced with a scan payment page. Specifically, after detecting the switch instruction of the near-field payment page, the merchant device renders and switches to the scan payment page carrying the payment code and order amount. Figure 5 As shown, after the merchant member triggers the switch button 501 of the near-field payment page, the merchant device renders and switches to the scan payment page carrying the payment code and the order amount. Further, when the merchant device displays the scan payment page, the user terminal can scan the payment code and jump to the merchant subroutine based on the scan result to confirm the order and pay the order in the merchant subroutine. An optional implementation provided by this embodiment also includes: scanning the payment code and decoding the payment code, jumping to the merchant subroutine based on the decoding result and sending the settlement information and the user identifier to confirm the order and pay the order in the merchant subroutine.

[0056] Step S204, sending the settlement information to the server to perform identity credential query and obtain identity credential data corresponding to the identity credential status of the user at the merchant.

[0057] This embodiment uses the cooperation between the user terminal and the server to send settlement information to the server so that the server can check the user's identity credential status at the merchant and determine whether the user is a registered user of the merchant, so that the user can pay for the order based on the identity credential at the merchant, thereby realizing payment based on the identity credential outside the settlement area.

[0058] In specific implementation, the user terminal sends the settlement information sent by the merchant device to the server; the server receives the settlement information sent by the user terminal, performs identity credential query based on the user identifier and the merchant identifier contained in the settlement information, obtains identity credential data corresponding to the identity credential status based on the queried identity credential status of the user in the merchant, and sends it to the user terminal. Specifically, the server can query the identity credential status of the user corresponding to the user identifier in the merchant's user registration table based on the merchant identifier, and obtain the identity credential data corresponding to the identity credential status.

[0059] In this embodiment, the identity credential refers to the registered identity credential of the user at the merchant. Specifically, the identity credential may be the membership status of the user registered at the merchant. Accordingly, when the user registers the membership status of the merchant, the identity credential status may be the membership status of the user at the merchant, and the identity credential data may be the membership points, membership balance, membership group leader status, membership preferential rights, etc. of the user at the merchant; in addition, when the user has not registered the membership status of the merchant, the identity credential status may be the unregistered membership status of the user at the merchant, and the identity credential data may be the identity credential registration data of the merchant, such as: the merchant's membership promotion information, etc. Optionally, if the identity credential status is unregistered, the identity credential data includes: the identity credential registration data of the merchant.

[0060] In the specific identity credential query process, the server may query whether there is a user corresponding to the user identifier in the merchant according to the user identifier and the merchant identifier, and determine the identity credential status of the user in the merchant according to the query result. In an optional implementation manner provided in this embodiment, the identity credential query includes:

[0061] According to the user identifier of the user and the merchant identifier included in the settlement information, it is queried whether the user has registered an identity credential at the merchant. If so, it is determined that the identity credential status is a registered status; if not, it is determined that the identity credential status is an unregistered status.

[0062] Specifically, the server can store the registered user table of each merchant. The server determines the registered user table of the merchant based on the merchant identifier, and queries whether there is a registered user corresponding to the user identifier in the registered user table of the merchant. If so, the user's identity credential status is determined to be registered; if not, the user's identity credential status is determined to be unregistered.

[0063] In addition, each merchant may also store its own registered user table in its own corresponding merchant server. The server may call the query interface of the corresponding merchant server according to the merchant identifier to query the registered user table, and query whether there is a registered user corresponding to the user identifier in the registered user table, and determine the user's identity credential status according to the query result. In another optional implementation manner provided by this embodiment, performing an identity credential query includes: calling the query interface of the merchant corresponding to the merchant identifier according to the merchant identifier to query the registered user, and determining whether the user corresponding to the user identifier has registered the identity credential at the merchant according to the query result. If so, determining that the identity credential status is a registered status; if not, determining that the identity credential status is an unregistered status.

[0064] During the specific implementation process, the merchant may issue various identity rights and / or preferential rights to the registered user. The merchant may also invite the registered user to join the registered user group to manage and maintain the registered user. For the registered user, the server may use the credential information of the user's identity credential, the identity rights and interests associated with the identity credential, and the registered user group and / or the user's status for the registered user group as the identity credential data. In an optional implementation manner provided by this embodiment, if the identity credential status is a registered status, obtaining the identity credential data corresponding to the identity credential status of the user in the merchant includes:

[0065] Obtaining credential information of the identity credential registered by the user at the merchant, and identity rights and interests associated with the identity credential;

[0066] A registered user group created by the merchant for the registered user of the registered identity credential is determined.

[0067] In addition, merchants can issue identity benefits and / or preferential benefits to unregistered users, that is, the benefits that users can obtain after registering with the merchant. For unregistered users, the server can use the merchant's identity credential registration data as identity credential data and send it to the user terminal.

[0068] It should be noted that the user terminal may also send only the merchant identifier contained in the settlement information to the server, and the server may perform an identity credential query based on the received merchant identifier and the user identifier of the user to which the user terminal belongs. That is, step S204 may be replaced by sending the merchant identifier to the server to perform an identity credential query and obtain the identity credential data corresponding to the user's identity credential status at the merchant.

[0069] Step S206: Render and display a page according to the settlement information and the identity credential data issued by the server, and perform identity credential processing in cooperation with the server based on the displayed identity credential page.

[0070] This embodiment uses the settlement information sent by the merchant device and the identity credential data issued by the server to render and display the payment page corresponding to the identity credential, so as to transfer the function of the merchant's cash register to the user terminal for implementation. Order creation, order confirmation and order payment are performed through the user terminal, and the merchant device transmits the settlement information, thereby realizing fast order payment in scenarios such as retail, supermarkets, and large shopping venues, and avoiding efficiency problems caused by excessive concentration of settlement and cash register areas.

[0071] In the specific implementation, the identity credential page is rendered and displayed according to the settlement information sent by the merchant device and the identity credential data issued by the server, and the identity credential processing is carried out in cooperation with the server according to the user's trigger instruction for the displayed identity credential page. Specifically, the user can trigger the registration control configured on the identity credential page to register the identity credential of the merchant, the user can also trigger the login control configured on the identity credential page to perform identity credential login processing, the user can also trigger the collection control configured on the identity credential page to collect the rights and interests issued by the merchant, and the user can also trigger the cancel control configured on the identity credential page to close the identity credential page and enter the order confirmation page; wherein, the identity credential page can be displayed in a third-party application, such as: the user terminal establishes an NFC connection with the merchant device in the payment application, and renders and displays the identity credential page in the payment application.

[0072] During the specific execution process, when the user terminal renders and displays the page, it needs to interact with the server for data and call various components, such as the rendering component, which requires some processing time for rendering and display processing; in this regard, the page can be rendered and loaded and displayed to indicate to the user that the user terminal is performing rendering and display processing. Figure 6 As shown, before displaying the identity credential page, the loading page is displayed first. In addition, since different user terminals may use different operating systems, the loading page can be rendered and displayed for different operating systems, and a display reminder of the identity credential page can also be displayed on the lock screen or desktop to enable the user to trigger the display button to display the identity credential page.

[0073] During the specific execution process, different identity credential pages may be rendered according to the identity credential status of different users. For users in the registered state, the identity credential page may be rendered according to the settlement amount, identity credential information, identity rights and interests, etc. included in the settlement information, and the identity credential processing may be performed in cooperation with the server according to different trigger instructions of the user; for unregistered users, the identity credential page may be rendered according to the settlement amount included in the settlement information and the identity credential registration data of the merchant, and the identity credential processing may be performed in cooperation with the server according to different trigger instructions of the user. The identity credential pages in the registered state and the unregistered state are described below respectively;

[0074] (1) Registration status

[0075] For registered users, the member benefits that can be collected, the remaining identity benefits in the member account, the credential information corresponding to the member level, the settlement amount, etc. can be displayed on the identity credential page to enable the user to quickly perceive the identity credential data. In an optional implementation manner provided in this embodiment, page rendering and display are performed, including:

[0076] According to the settlement amount, the credential information, and the identity rights and interests included in the settlement information, a credential interaction page of the identity credential is rendered and displayed.

[0077] Optionally, the credential interaction page is configured with a login control, a control for collecting the identity benefits, and / or a control for participating in the user group.

[0078] like Figure 7 As shown, the voucher interaction page is configured with a login button 701, a coupon collection button 702, and a member group participation button 703. The voucher interaction page also displays the settlement amount and the points and balance of the user in the member account.

[0079] During the specific execution process, the user can trigger different controls configured on the identity credential page and send requests corresponding to the controls to the server to cooperate with the server to perform corresponding identity credential processing. In an optional implementation provided by this embodiment, cooperating with the server to perform identity credential processing includes:

[0080] If the participation control is triggered, a participation request is generated and sent to the server to add the user to the registered user group;

[0081] If the claim control is triggered, a claim request for the identity benefit is sent to the server to associate the identity benefit with the identity credential, or to allocate the identity benefit to the user's payment account;

[0082] If the login control is triggered, the login process of the identity credential is performed in cooperation with the server.

[0083] Optionally, the settlement instruction is generated after the login process is successful.

[0084] Continuing with the above example, after triggering the login button 701, the user submits a login instruction to the server. The server calls the access interface of the merchant subroutine based on the login instruction, so that the user terminal enters the merchant subroutine based on the identity credential, that is: the user submits a settlement instruction based on the identity credential to the user terminal by triggering the login button 701; after the user triggers the receive button 702, the user generates an identity benefit receive request and sends it to the server. The server associates the identity benefit with the user's identity credential at the merchant, or adds the identity benefit to the user's payment account in the payment application; after triggering the participation button 703, the user generates a participation request and sends it to the server, and the server adds the user to the member group created by the merchant in the payment application.

[0085] In addition, the credential interaction page can also be configured with a login cancellation control. After the user triggers the login cancellation control, the user terminal cooperates with the server to process the identity credential so that the user can enter the merchant subroutine based on the unregistered state. Using the above example, after the user triggers the login cancellation button 704, the login cancellation instruction is submitted to the server. The server calls the access interface of the merchant subroutine based on the login cancellation instruction so that the user terminal can enter the merchant subroutine based on the unregistered state.

[0086] (2) Unregistered status

[0087] For unregistered users, the membership benefits to be claimed and the settlement amount can be displayed on the identity credential page, so that the user can quickly perceive the benefits that can be obtained after registering the identity credential. In an optional implementation provided by this embodiment, page rendering and display are performed, including:

[0088] Render a credential registration page including the settlement amount included in the settlement information and the identity credential registration data, and display the credential registration page.

[0089] Optionally, the credential registration page is configured with a registration control for identity credentials.

[0090] As shown in FIG8( a ), the credential registration page displays the settlement amount and the rights and interests that can be obtained after registering the identity credential. The credential registration page is also configured with a registration button 801 for the identity credential.

[0091] Further, after the user triggers the registration control configured on the credential registration page, the user can cooperate with the server to perform credential registration processing and associate the identity rights with the identity credential, and render and display the identity credential page based on the identity rights to enable the user to perceive the registration of the identity credential. In an optional implementation manner provided in this embodiment, the identity credential processing is performed in cooperation with the server, including:

[0092] If the registration control configured on the credential registration page is triggered, a credential registration request is sent to the server to register the user's identity credential at the merchant to obtain the identity credential;

[0093] Receive the identity rights and interests associated with the identity credential issued by the server, and render and display the identity credential page based on the identity rights and interests.

[0094] Optionally, the settlement instruction is generated after a settlement control configured on the identity credential page is triggered.

[0095] Specifically, after the user triggers the registration control configured on the credential registration page, a credential registration request is sent to the server. The server can add the user to the registered user table stored by the merchant on the server, or the server calls the registration interface of the merchant server to register the user's identity credential, and issues the identity rights and interests associated with the identity credential to the user terminal, so as to issue the merchant's preferential rights and interests to the identity credential, and issue the payment preferential rights and interests to the payment account.

[0096] During the specific execution process, after the user terminal displays the identity credential page, the user can trigger the control displayed on the identity credential page to cooperate with the server to process the identity credential. Specifically, the participation control configured on the identity credential page can be triggered to join the registered user group, or the identity rights and interests collection control can be triggered to collect the rights and interests. In an optional implementation manner provided by this embodiment, after the identity credential page is rendered and displayed based on the identity rights and interests, it also includes:

[0097] If the participation control of the registered user group configured on the identity credential page is triggered, cooperate with the server to add the user to the registered user group;

[0098] If the control for collecting the identity benefits configured on the identity credential page is triggered, the identity benefits are associated with the identity credential in cooperation with the server, or the identity benefits are allocated to the payment account of the user.

[0099] As shown in Figure 8(b), the user triggers the participation button 802 of the member group configured on the identity credential page, submits a group participation instruction to the server, and the server adds the user to the registered user group created by the merchant in the payment application; the user triggers the identity benefit collection button 803 configured on the identity credential page, submits a benefit collection instruction to the server, and the server associates the merchant's preferential benefits with the user's identity credentials at the merchant according to the type of benefits, or allocates the payment preferential benefits to the user's payment account; the user can also trigger the payment button 804 configured on the identity credential page to enable the user to jump to the merchant subroutine and confirm and pay for the order based on the identity credential, that is: the user submits a settlement instruction based on the identity credential to the user terminal by triggering the payment button 804.

[0100] It should be noted that after an unregistered user completes the identity credential registration with a merchant, the user terminal can display the identity credential page in the registered state. The specific content displayed and the configured controls on the identity credential page can refer to the credential interaction page in the registered state. The interaction process of the specific identity credential page can also refer to the interaction process of the credential interaction page, which will not be elaborated in this embodiment.

[0101] In addition, the identity credential page can also be configured with a login cancellation control. After the user triggers the login cancellation control, the user terminal and the server cooperate to process the identity credential so that the user can enter the merchant subroutine based on the unregistered state. Using the above example, after the user triggers the login cancellation button 805, the login cancellation instruction is submitted to the server. The server calls the access interface of the merchant subroutine based on the login cancellation instruction so that the user terminal can enter the merchant subroutine based on the unregistered state.

[0102] It should be noted that the user terminal can also render and display the page based only on the settlement amount and identity credential data contained in the settlement information, that is, step S206 can be replaced by rendering and displaying the page based on the settlement amount and the identity credential data issued by the server, and performing identity credential processing based on the displayed identity credential page in cooperation with the server.

[0103] Step S208: If a settlement instruction based on the identity certificate is detected, jump to the merchant subprogram and send the settlement information and user identification to perform order confirmation and order payment in the merchant subprogram.

[0104] This embodiment displays available benefits to users before they make payments, and displays benefits after registering identity credentials to unregistered users, thereby avoiding the complicated process of users first collecting benefits and then processing orders. At the same time, it enables users to intuitively perceive the identity benefits that can be enjoyed after registering their identity, thereby improving order processing efficiency and enhancing user perception. In addition, this embodiment also realizes order processing that is not restricted by the checkout area through wireless merchant devices, thereby adding order processing modes.

[0105] In this embodiment, the merchant subroutine refers to the subroutine configured by the merchant in the application for order creation, order confirmation and order payment of commodity orders. Specifically, the merchant subroutine may be a subroutine configured by the merchant in a third-party application, such as a subroutine configured in a payment application to jump from the identity credential page displayed by the third-party application to the merchant subroutine in the third-party application.

[0106] In specific implementation, when it is detected that the user submits a settlement instruction based on the identity credential on the identity credential page, the settlement information and user identification are sent to the merchant subprogram so that the merchant subprogram generates an order page, and at the same time jumps from the identity credential page to the order page of the merchant subprogram to perform order confirmation and order payment processing in the merchant subprogram.

[0107] During the specific execution process, after receiving the settlement information and user identification sent by the user terminal, the merchant subprogram may create a product page for the product included in the settlement information according to the settlement information and the user identification, and settle the product according to the identity rights and interests associated with the user's identity certificate to obtain the settlement amount. After obtaining the order instruction submitted by the user on the product page, the merchant subprogram may create a product order based on the settlement amount and generate an order payment instruction to make order payment. In an optional implementation manner provided in this embodiment, order confirmation in the merchant subprogram includes:

[0108] Settling the commodity information included in the settlement information according to the identity rights and interests associated with the identity certificate to obtain a settlement result;

[0109] If an order instruction is detected, an order is created based on the settlement information and the settlement result, and an order payment instruction is generated to make order payment.

[0110] like Fig. 9 As shown, a product page is generated based on the product information contained in the settlement information, and the product amount is settled based on the identity rights and interests associated with the user's identity credentials to obtain a settlement result. The user can trigger the order button 901 configured on the product page to submit an order instruction, so that the merchant subroutine creates a product order based on the settlement result and product information and generates an order payment instruction for order payment processing.

[0111] Furthermore, the goods included in the settlement information may also be delivered to the user by means of logistics distribution. Here, the user may also add the delivery information of the goods in the goods page, and calculate the settlement result based on the goods amount, delivery fee and identity rights and interests included in the settlement information. In addition, the goods included in the settlement information may also be goods given to the user, that is, the settlement result may be calculated based on the delivery fee and identity rights and interests. In an optional implementation manner provided by this embodiment, order confirmation is performed in the merchant subroutine, including:

[0112] Performing settlement on the commodity information included in the settlement information according to the identity rights and interests associated with the identity certificate to obtain a settlement result, and / or obtaining the delivery information input through the merchant subprogram;

[0113] If an order instruction is detected, an order is created based on the settlement information and the settlement result and / or the delivery information, and an order payment instruction is generated to make order payment.

[0114] Continuing with the above example, the user can also trigger the "Add Delivery Address" button 902 configured on the product page to add delivery information and calculate the settlement result including the delivery fee, so that the merchant subroutine can create a product order based on the settlement result, product information and delivery address and generate an order payment instruction for order payment processing.

[0115] In the specific order payment process, the merchant subroutine may call the payment interface based on the generated order payment instruction to make order payment. Specifically, the payment interface of the third-party application may be called to make order payment. The third-party application may be the application for establishing the NFC connection and displaying the identity credential page, such as the payment application. In an optional implementation manner provided in this embodiment, order payment is made in the merchant subroutine, including:

[0116] The payment interface is called based on the order payment instruction generated by the merchant subroutine to make order payment.

[0117] Optionally, the payment interface response and interface call perform the following operations: making order payment to the merchant according to the payment information carried in the order payment instruction, or, querying the identity rights and interests of the user's payment account according to the user identifier carried in the order payment instruction, and making order payment to the merchant based on the identity rights and interests.

[0118] For example, after generating an order payment instruction, the merchant subroutine calls the payment interface of the payment application to make order payment. The server to which the payment application belongs queries the identity rights and interests of the user's payment account according to the user identifier carried in the order payment instruction, and calculates the amount to be transferred from the user account based on the identity rights and interests, and transfers the transferred amount to the merchant account for order payment, and also writes off the rights and interests to the merchant based on the identity rights and interests.

[0119] It should be noted that the merchant subprogram can be a merchant application or a subprogram of an application. Accordingly, the user terminal can jump from the application to which the identity credential page belongs to the merchant application, and the user terminal can also enter the merchant subprogram to which the application belongs from the application to which the identity credential page belongs; wherein the application can be a payment application. In addition, the server to which the third-party application and / or the payment application belongs can be a server that cooperates with the user terminal to process the identity credential, which is not limited in this embodiment.

[0120] To summarize, the one or more order processing methods based on near field communication provided in this embodiment can be applied to user terminals. In the process of order processing, the near field communication component is called to cooperate with the merchant's merchant device to establish an NFC connection, and the settlement information sent by the merchant device is received through the NFC connection. The settlement information is sent to the server to query the identity credentials and obtain the identity credential data corresponding to the user's identity credential status in the merchant. The page is rendered and displayed according to the settlement information and the identity credential data sent by the server, and the identity credential processing is performed in cooperation with the server based on the displayed identity credential page. After detecting the settlement instruction based on the identity credential, the method jumps to the merchant subroutine to confirm the order and pay the order in the merchant subroutine, thereby realizing order creation, order confirmation and order payment without the need for a cash register device, improving the order processing efficiency, and avoiding the low efficiency problem in the cash register area concentration scenario.

[0121] Furthermore, different identity credential pages can be rendered according to the queried identity credential status of the user, so that the user can perceive the rights and interests enjoyed after registering the identity credential or the rights and interests that can be enjoyed for this order before payment, thereby improving the user's perception;

[0122] Furthermore, the identity credential page can be configured with multiple controls. Users can receive various identity benefits and join user groups through the configured controls on the identity credential page before payment, avoiding the complicated process of receiving coupons and then processing orders. In addition, different controls can be configured on the identity credential pages of unregistered users and registered users, so that unregistered users can be aware of the rights and interests that can be obtained after registering identity credentials, thereby improving order processing efficiency and enhancing user perception.

[0123] The implementation process of the first order processing method based on near field communication provided above can be executed by a user terminal, the implementation process of the second order processing method based on near field communication provided in the following method embodiment can be executed by a server, and the implementation process of the third order processing method based on near field communication provided in the following method embodiment can be executed by a merchant device. The three can cooperate with each other during the execution process. Therefore, when reading the above implementation process, you can refer to the corresponding content of the following second order processing method based on near field communication embodiment and the corresponding content of the following third order processing method based on near field communication embodiment. Accordingly, when reading the following second order processing method based on near field communication embodiment, The following third embodiment of the order processing method based on near field communication may also refer to the corresponding contents of the above-mentioned method embodiment; in addition, the implementation process of the second order processing method based on near field communication provided below and the implementation process of the third order processing method based on near field communication provided in the following method embodiment may also cooperate with each other during the execution process. Therefore, the corresponding contents of the following second embodiment of the order processing method based on near field communication may be read with reference to the corresponding contents of the following third embodiment of the order processing method based on near field communication. Accordingly, the corresponding contents of the above-mentioned second embodiment of the order processing method based on near field communication may be read with reference to the corresponding contents of the above-mentioned third embodiment of the order processing method based on near field communication.

[0124] The following takes the application of an order processing method based on near field communication provided in this embodiment in a registered member payment scenario as an example to further illustrate the order processing method based on near field communication provided in this embodiment. Fig.10 , an order processing method based on near field communication applied to a registered member payment scenario specifically includes the following steps.

[0125] Step S1008, calling the NFC component to establish an NFC connection with the merchant device, and receiving the settlement information sent by the merchant device through the NFC connection.

[0126] Step S1010: Send the merchant ID to the server.

[0127] Step S1020, rendering and displaying the credential interaction page of the identity credential according to the settlement amount and the identity credential data sent by the server.

[0128] Step S1022: Cooperate with the server to process the identity credentials based on the displayed credential interaction page.

[0129] Step S1024, detecting a settlement instruction based on the identity credential, jumping to the merchant subroutine and sending the settlement information and user identification.

[0130] Step S1026, order confirmation is performed in the merchant subroutine, so that the merchant subroutine settles the product information contained in the settlement information according to the identity rights associated with the identity credential to obtain the settlement result and obtain the delivery information input through the merchant subroutine. After the order instruction is detected, the order is created based on the settlement information, the settlement result and the delivery information, and an order payment instruction is generated to make the order payment.

[0131] Here, the user triggers the order instruction by triggering the order control configured on the product page displayed by the merchant subroutine.

[0132] Step S1028, performing order payment in the merchant subprogram, so that the merchant subprogram calls the payment interface to perform order payment based on the order payment instruction;

[0133] Among them, the payment interface performs the following operations in response to the interface call: making order payment to the merchant according to the payment information carried in the order payment instruction.

[0134] Optionally, step S1022 may be replaced by: detecting that a participation control of a registered user group displayed on the credential interaction page is triggered, generating a participation request and sending it to the server to add the user to the registered user group;

[0135] Step S1022 may also be replaced by: detecting that a claim control for identity benefits displayed on the credential interaction page is triggered, sending a claim request for identity benefits to the server to associate the identity benefits with the identity credential, or to allocate the identity benefits to the user's payment account;

[0136] Step S1022 can also be replaced by: detecting that the login control of the identity credential displayed on the credential interaction page is triggered, sending the login process of the identity credential to the server to log in to the merchant subroutine based on the identity credential; and generating a settlement instruction after successful login.

[0137] The above steps S1008 to S1010 and steps S1020 to S1028 provided in this embodiment can be executed by the user terminal. It should be noted that the above steps S1008 to S1010 and steps S1020 to S1028 executed by the user terminal can cooperate with steps S1012 to S1018 that can be executed by the server in the following embodiment, and can also cooperate with steps S1002 to S1006 that can be executed by the merchant device in the following embodiment. Therefore, when reading this embodiment, please refer to the corresponding contents of steps S1012 to S1018 that can be executed by the server and steps S1002 to S1006 that can be executed by the merchant device provided in the following method embodiment, and when reading the following method embodiment, please refer to the corresponding contents of steps S1008 to S1010 and steps S1020 to S1028 provided in this embodiment.

[0138] The following takes the application of an order processing method based on near field communication provided in this embodiment in an unregistered member payment scenario as an example to further illustrate the order processing method based on near field communication provided in this embodiment. Fig.11 , an order processing method based on near field communication applied to unregistered member payment scenarios specifically includes the following steps.

[0139] Step S1108, calling the NFC component to establish an NFC connection with the merchant device, and receiving the settlement information sent by the merchant device through the NFC connection.

[0140] Step S1110: Send the merchant ID to the server.

[0141] Step S1118, rendering a credential registration page including the settlement amount and identity credential registration data, and displaying the credential registration page.

[0142] Step S1120, sending a credential registration request to the server.

[0143] Previously, users triggered the registration controls configured on the credential registration page.

[0144] Step S1124, receiving the identity rights and interests sent by the server, and rendering and displaying the identity credential page based on the identity rights and interests.

[0145] Step S1126, detecting a settlement instruction based on identity credentials, jumping to the merchant subroutine and sending the settlement information and user identification.

[0146] Previously, users triggered the settlement control configured on the identity credential page and submitted the settlement instruction.

[0147] Step S1128, order confirmation is performed in the merchant subroutine, so that the merchant subroutine settles the product information contained in the settlement information according to the identity rights associated with the identity credential to obtain the settlement result and obtain the delivery information input through the merchant subroutine. After the order instruction is detected, the order is created based on the settlement information, the settlement result and the delivery information, and an order payment instruction is generated to make the order payment.

[0148] Here, the user triggers the order instruction by triggering the order control configured on the product page displayed by the merchant subroutine.

[0149] Step S1130, performing order payment in the merchant subprogram, so that the merchant subprogram calls the payment interface to perform order payment based on the order payment instruction;

[0150] Among them, the payment interface performs the following operations in response to the interface call: querying the identity rights and interests of the user's payment account according to the user identifier carried in the order payment instruction, and making order payment to the merchant based on the identity rights and interests.

[0151] The above steps S1108 to S1110, steps S1118 to S1120, and steps S1124 to S1130 provided in this embodiment are executable by the user terminal. It should be noted that the above steps S1108 to S1110, steps S1118 to S1120, and steps S1124 to S1130 executed by the user terminal and steps S1112 to S1116 and S1122 executed by the server in the following embodiment can cooperate with each other during the execution process, and can be executed by the server in the following embodiment. Steps S1102 to S1106 executed by the user device may also cooperate with each other during the execution process. Therefore, when reading this embodiment, please refer to the corresponding contents of steps S1112 to S1116 and step S1122 that can be executed by the server, and steps S1102 to S1106 that can be executed by the merchant device, provided in the following method embodiment. When reading the following method embodiment, please refer to the corresponding contents of steps S1108 to S1110, steps S1118 to S1120, and steps S1124 to S1130 provided in this embodiment.

[0152] One or more embodiments of the second near field communication-based order processing method provided in this specification are as follows:

[0153] Reference Fig.12 The order processing method based on near field communication provided in this embodiment can be applied to a server, and specifically includes steps S1202 to S1208.

[0154] Step S1202, receiving settlement information sent by the user terminal.

[0155] In actual applications, there are situations where the merchant's venue is large and the settlement and / or cashier area is too crowded, for example: the venue area of ​​large supermarkets and large shopping places is too large, the payment area is too fixed, and users need to queue up after shopping; in response to this, this embodiment inputs settlement information into a handheld wireless merchant device, and transmits the settlement information to the user terminal through an NFC connection, so that the user terminal can confirm and pay for the order in the merchant subroutine, thereby realizing quick order creation, order confirmation and order payment without a cashier device. Furthermore, the user terminal can also cooperate with the server to query the user's identity credentials at the merchant, and submit settlement instructions based on the identity credentials, thereby realizing quick member payment without a fixed cashier area.

[0156] In this embodiment, the merchant device refers to a handheld wireless device that is used to receive settlement information or product information input by merchant members and send the settlement information to the user terminal through an NFC connection. Specifically, the merchant device may include an NFC device configured with a display component and an NFC component; the merchant device may also be configured with a client of a third-party application, and the merchant device inputs settlement information through the installed third-party application, for example: the merchant device may be configured with a client of a payment application, and the merchant device inputs settlement information through the payment application; the merchant device may render a near-field payment page through a third-party application and send settlement information to the user terminal, that is: the user terminal may establish an NFC connection with the merchant device in the third-party application; optionally, the third-party application renders a near-field payment page by calling a near-field payment interface and sends settlement information to the user terminal.

[0157] Furthermore, the merchant device can be a networked device connected to the Internet. The merchant device can interact with the merchant server to obtain the settlement information of each commodity for merchant members to select and input, and at the same time send the settlement information to the user terminal through the Internet through a third-party application. Furthermore, the third-party application can also call the server to which the third-party application belongs through the network connection of the merchant device to render the near-field payment page. The merchant device is only used to receive and display the near-field payment page. In addition, the merchant device can also be an offline NFC device. The settlement information of each commodity is stored in the merchant device for merchant members to select and input. Furthermore, the third-party application is also an offline application. The third-party application calls the near-field payment interface and renders and displays the near-field payment page through the rendering component of the merchant device.

[0158] In specific implementation, the merchant member first interacts with the merchant device to input the settlement information. After receiving the settlement information, the merchant device renders and displays the near-field payment page of the settlement information, and at the same time calls the NFC component to detect the user terminal. When the user terminal is detected within the NFC broadcast range, the NFC component is called to establish an NFC connection with the detected user terminal, and the settlement information is sent to the user terminal through the NFC connection; the user terminal calls the near-field communication component to cooperate with the merchant device to establish an NFC connection, and receives the settlement information transmitted by the merchant device through the NFC connection and sends the settlement information to the server; the server receives the settlement information sent by the user terminal. Optionally, the settlement information is sent to the user terminal by the merchant device through the established near-field communication connection.

[0159] In this embodiment, the settlement information refers to the settlement information of the goods entered by the merchant member, which may be the detailed information of the goods, the settlement amount of the goods, the merchant information, the receipt information of the goods, etc. It may also be a combination of two or more of the above information, which is not limited in this embodiment. Optionally, the settlement information includes the goods information and the merchant identification; wherein the goods information includes the detailed information of the goods and / or the settlement amount.

[0160] Specifically, the settlement information can be input through the settlement page displayed by the merchant device through the merchant member. After obtaining the settlement information, the merchant device can also render and display the near-field payment page of the settlement information. That is, the merchant device obtains the settlement information input through the settlement page and renders the near-field payment page displaying the settlement information. As shown in Figures 3 and Figure 4 As shown, the merchant member triggers the new order button 301 on the first settlement page shown in FIG. 3(a), enters the second settlement page shown in FIG. 3(b), and triggers the submit button 302 after inputting the product information and the merchant ID of the merchant on the second settlement page, and enters the third settlement page shown in FIG. 3(c). After the merchant member triggers the initiate payment button 303 on the third settlement page, the following is displayed: Figure 4 The near-field payment page shown is used to guide the user terminal to establish a near-field communication connection with the merchant device. In addition, the merchant ID can also be written into the settlement page through the merchant device, that is, the merchant device generates a settlement page carrying the merchant ID, and the merchant member enters the product information on the settlement page to obtain the settlement information of the settlement page.

[0161] During the specific execution process, while the merchant device displays the near-field payment page, or after the merchant device displays the near-field payment page, the near-field communication component can be called to detect the user terminal and establish an NFC connection with the detected user terminal to send the settlement information to the user terminal; optionally, the near-field communication connection is established after the merchant device obtains the settlement information entered through the settlement page and renders the near-field payment page that displays the settlement information. Optionally, the near-field communication connection is established after the merchant device calls the near-field communication component to detect the user terminal; the near-field communication component is called after the settlement information entered on the settlement page is obtained and the near-field payment page of the settlement information is rendered.

[0162] In addition, when the merchant device calls the near-field communication component and fails to detect the user terminal, or when the merchant device calls the near-field communication component and fails to establish an NFC connection with the user terminal, a near-field communication reminder page can be displayed. The near-field communication reminder page can be displayed after the near-field payment page display time expires to remind the user to turn on the NFC switch and approach the merchant device for NFC connection. Specifically, the merchant device can detect whether there is a user terminal close to the merchant device through detection components such as infrared components and image acquisition components. When a user terminal close to the merchant device is detected and the NFC connection fails, a near-field communication reminder page can be displayed. Optionally, after detecting the user terminal, the detection component of the merchant device calls the near-field communication component to establish a near-field communication connection with the detected user terminal. If the connection fails, a near-field communication reminder page is displayed.

[0163] It should be noted that the near-field payment page displayed by the merchant device can also be replaced with a scan payment page. Specifically, after detecting the switch instruction of the near-field payment page, the merchant device renders and switches to the scan payment page carrying the payment code and order amount. Figure 5 As shown, after the merchant member triggers the switch button 501 of the near-field payment page, the merchant device renders and switches to the scan payment page carrying the payment code and the order amount. Further, when the merchant device displays the scan payment page, the user terminal can scan the payment code and jump to the merchant subroutine based on the scan result to confirm the order and pay the order in the merchant subroutine. An optional implementation provided by this embodiment also includes: scanning the payment code and decoding the payment code, jumping to the merchant subroutine based on the decoding result and sending the settlement information and the user identifier to confirm the order and pay the order in the merchant subroutine.

[0164] Step S1204: performing identity credential query according to the user identifier and the merchant identifier included in the settlement information.

[0165] This embodiment uses the cooperation between the user terminal and the server to send settlement information to the server so that the server can check the user's identity credential status at the merchant and determine whether the user is a registered user of the merchant, so that the user can pay for the order based on the identity credential at the merchant, thereby realizing payment based on the identity credential outside the settlement area.

[0166] In specific implementation, the identity credential query is performed based on the user ID and the merchant ID included in the settlement information, and the identity credential status of the user at the merchant is determined based on the query result. Specifically, the identity credential status of the user corresponding to the user ID can be queried in the merchant's user registration table based on the merchant ID.

[0167] In this embodiment, the identity credential refers to the registered identity credential of the user at the merchant. Specifically, the identity credential may be the membership status of the user registered at the merchant. Accordingly, when the user registers the membership status of the merchant, the identity credential status may be the membership status of the user at the merchant, and the identity credential data may be the membership points, membership balance, membership group leader status, membership preferential rights, etc. of the user at the merchant; in addition, when the user has not registered the membership status of the merchant, the identity credential status may be the unregistered membership status of the user at the merchant, and the identity credential data may be the identity credential registration data of the merchant, such as: the merchant's membership promotion information, etc. Optionally, if the identity credential status is unregistered, the identity credential data includes: the identity credential registration data of the merchant.

[0168] In the specific identity credential query process, the server may query whether there is a user corresponding to the user identifier in the merchant according to the user identifier and the merchant identifier, and determine the identity credential status of the user in the merchant according to the query result. In an optional implementation manner provided in this embodiment, the identity credential query includes:

[0169] According to the user identifier of the user and the merchant identifier included in the settlement information, it is queried whether the user has registered an identity credential at the merchant. If so, it is determined that the identity credential status is a registered status; if not, it is determined that the identity credential status is an unregistered status.

[0170] Specifically, the server can store the registered user table of each merchant. The server determines the registered user table of the merchant based on the merchant identifier, and queries whether there is a registered user corresponding to the user identifier in the registered user table of the merchant. If so, the user's identity credential status is determined to be registered; if not, the user's identity credential status is determined to be unregistered.

[0171] In addition, each merchant may also store its own registered user table in its own corresponding merchant server. The server may call the query interface of the corresponding merchant server according to the merchant identifier to query the registered user table, and query whether there is a registered user corresponding to the user identifier in the registered user table, and determine the user's identity credential status according to the query result. In another optional implementation manner provided by this embodiment, performing an identity credential query includes: calling the query interface of the merchant corresponding to the merchant identifier according to the merchant identifier to query the registered user, and determining whether the user corresponding to the user identifier has registered the identity credential at the merchant according to the query result. If so, determining that the identity credential status is a registered status; if not, determining that the identity credential status is an unregistered status.

[0172] Step S1206, according to the queried identity credential status of the user in the merchant, identity credential data corresponding to the identity credential status is obtained and sent to the user terminal.

[0173] In specific implementation, according to the user's identity credential status at the merchant, the identity credential data corresponding to the user's identity credential status is queried and sent to the user terminal; the user terminal renders and displays the identity credential page according to the settlement information sent by the merchant device and the identity credential data sent by the server.

[0174] During the specific implementation process, the merchant may issue various identity rights and / or preferential rights to the registered user. The merchant may also invite the registered user to join the registered user group to manage and maintain the registered user. For the registered user, the server may use the credential information of the user's identity credential, the identity rights and interests associated with the identity credential, and the registered user group and / or the user's status for the registered user group as the identity credential data. In an optional implementation manner provided by this embodiment, if the identity credential status is a registered status, obtaining the identity credential data corresponding to the identity credential status of the user in the merchant includes:

[0175] Obtaining credential information of the identity credential registered by the user at the merchant, and identity rights and interests associated with the identity credential;

[0176] A registered user group created by the merchant for the registered user of the registered identity credential is determined.

[0177] In addition, merchants can issue identity benefits and / or preferential benefits to unregistered users, that is, the benefits that users can obtain after registering with the merchant. For unregistered users, the server can use the merchant's identity credential registration data as identity credential data and send it to the user terminal.

[0178] Optionally, if the identity credential status is a registered status, obtaining identity credential data and sending it to the user terminal includes: obtaining the credential information of the identity credential registered by the user at the merchant, and the identity rights and interests associated with the identity credential, determining the registered user group created by the merchant for the registered user who registered the identity credential, and sending the credential information, the identity rights and interests, and the registered user group to the user terminal. If the identity credential status is an unregistered status, obtaining the merchant's identity credential registration data and sending it to the user terminal. For example: the merchant's identity credential registration promotion data.

[0179] Step S1208, cooperate with the user terminal to process the identity credentials, so that the user terminal jumps to the merchant subroutine to confirm and pay the order after detecting the settlement instruction based on the identity credentials.

[0180] This embodiment uses the settlement information sent by the merchant device and the identity credential data issued by the server to render and display the payment page corresponding to the identity credential, so as to transfer the function of the merchant's cash register to the user terminal for implementation. Order creation, order confirmation and order payment are performed through the user terminal, and the merchant device transmits the settlement information, thereby realizing fast order payment in scenarios such as retail, supermarkets, and large shopping venues, and avoiding efficiency problems caused by excessive concentration of settlement and cash register areas.

[0181] In the specific implementation, the user terminal first renders and displays the identity credential page according to the settlement information sent by the merchant device and the identity credential data issued by the server, and cooperates with the server to process the identity credential according to the user's trigger instruction for the displayed identity credential page; the server cooperates with the user terminal to process the identity credential according to the various requests submitted by the user terminal; after the identity credential processing is completed and after detecting the settlement instruction based on the identity credential, the user terminal jumps to the merchant subroutine to confirm and pay the order.

[0182] Specifically, when the user identity credential status is a registered status, the identity credential processing is performed in cooperation with the user terminal, including: if a participation request is received from the user terminal, the user is added to the registered user group; if a request for claiming the identity rights and interests is received from the user terminal, the identity rights and interests are associated with the identity credential, or the identity rights and interests are allocated to the user's payment account; if a login request is received from the user terminal after the login control configured on the credential interaction page is triggered, the identity credential login process is performed; the settlement instruction is generated after the login process is successful. When the user identity credential status is an unregistered status, the identity credential processing is performed in cooperation with the user terminal, including: obtaining a registration request submitted by the user terminal triggering the registration control, and performing the user identity credential registration process at the merchant based on the registration request.

[0183] It should be noted that after the user completes registration, the user terminal can display the page after the identity credential registration, and the user terminal can cooperate with the server to process the identity credential in the registered state. The specific cooperation and processing process refers to the above-mentioned registration state, and this embodiment will not be repeated here.

[0184] In this embodiment, the merchant subroutine refers to the subroutine configured by the merchant in the application for order creation, order confirmation and order payment of commodity orders. Specifically, the merchant subroutine may be a subroutine configured by the merchant in a third-party application, such as a subroutine configured in a payment application to jump from the identity credential page displayed by the third-party application to the merchant subroutine in the third-party application.

[0185] During the specific execution process, when the user terminal renders and displays the page, it needs to interact with the server for data and call various components, such as the rendering component, which requires some processing time for rendering and display processing; in this regard, the page can be rendered and loaded and displayed to indicate to the user that the user terminal is performing rendering and display processing. Figure 6 As shown, before displaying the identity credential page, the loading page is displayed first. In addition, since different user terminals may use different operating systems, the loading page can be rendered and displayed for different operating systems, and a display reminder of the identity credential page can also be displayed on the lock screen or desktop to enable the user to trigger the display button to display the identity credential page.

[0186] During the specific execution process, different identity credential pages may be rendered according to the identity credential status of different users. For users in the registered state, the identity credential page may be rendered according to the settlement amount, identity credential information, identity rights and interests, etc. included in the settlement information, and the identity credential processing may be performed in cooperation with the server according to different trigger instructions of the user; for unregistered users, the identity credential page may be rendered according to the settlement amount included in the settlement information and the identity credential registration data of the merchant, and the identity credential processing may be performed in cooperation with the server according to different trigger instructions of the user. The identity credential pages in the registered state and the unregistered state are described below respectively;

[0187] (1) Registration status

[0188] For registered users, the member benefits that can be collected, the remaining identity benefits in the member account, the credential information corresponding to the member level, the settlement amount, etc. can be displayed on the identity credential page to enable the user to quickly perceive the identity credential data. In an optional implementation manner provided in this embodiment, page rendering and display are performed, including:

[0189] According to the settlement amount, the credential information, and the identity rights and interests included in the settlement information, a credential interaction page of the identity credential is rendered and displayed.

[0190] Optionally, the credential interaction page is configured with a login control, a control for collecting the identity benefits, and / or a control for participating in the user group.

[0191] like Figure 7 As shown, the voucher interaction page is configured with a login button 701, a coupon collection button 702, and a member group participation button 703. The voucher interaction page also displays the settlement amount and the points and balance of the user in the member account.

[0192] During the specific execution process, the user can trigger different controls configured on the identity credential page and send requests corresponding to the controls to the server to cooperate with the server to perform corresponding identity credential processing. In an optional implementation provided by this embodiment, cooperating with the server to perform identity credential processing includes:

[0193] If the participation control is triggered, a participation request is generated and sent to the server to add the user to the registered user group;

[0194] If the claim control is triggered, a claim request for the identity benefit is sent to the server to associate the identity benefit with the identity credential, or to allocate the identity benefit to the user's payment account;

[0195] If the login control is triggered, the login process of the identity credential is performed in cooperation with the server.

[0196] Optionally, the settlement instruction is generated after the login process is successful.

[0197] Continuing with the above example, after triggering the login button 701, the user submits a login instruction to the server. The server calls the access interface of the merchant subroutine based on the login instruction, so that the user terminal enters the merchant subroutine based on the identity credential, that is: the user submits a settlement instruction based on the identity credential to the user terminal by triggering the login button 701; after the user triggers the receive button 702, the user generates an identity benefit receive request and sends it to the server. The server associates the identity benefit with the user's identity credential at the merchant, or adds the identity benefit to the user's payment account in the payment application; after triggering the participation button 703, the user generates a participation request and sends it to the server, and the server adds the user to the member group created by the merchant in the payment application.

[0198] In addition, the credential interaction page can also be configured with a login cancellation control. After the user triggers the login cancellation control, the user terminal cooperates with the server to process the identity credential so that the user can enter the merchant subroutine based on the unregistered state. Using the above example, after the user triggers the login cancellation button 704, the login cancellation instruction is submitted to the server. The server calls the access interface of the merchant subroutine based on the login cancellation instruction so that the user terminal can enter the merchant subroutine based on the unregistered state.

[0199] (2) Unregistered status

[0200] For unregistered users, the membership benefits to be claimed and the settlement amount can be displayed on the identity credential page, so that the user can quickly perceive the benefits that can be obtained after registering the identity credential. In an optional implementation provided by this embodiment, page rendering and display are performed, including:

[0201] Render a credential registration page including the settlement amount included in the settlement information and the identity credential registration data, and display the credential registration page.

[0202] Optionally, the credential registration page is configured with a registration control for identity credentials.

[0203] As shown in FIG8( a ), the credential registration page displays the settlement amount and the rights and interests that can be obtained after registering the identity credential. The credential registration page is also configured with a registration button 801 for the identity credential.

[0204] Further, after the user triggers the registration control configured on the credential registration page, the user can cooperate with the server to perform credential registration processing and associate the identity rights with the identity credential, and render and display the identity credential page based on the identity rights to enable the user to perceive the registration of the identity credential. In an optional implementation manner provided in this embodiment, the identity credential processing is performed in cooperation with the server, including:

[0205] If the registration control configured on the credential registration page is triggered, a credential registration request is sent to the server to register the user's identity credential at the merchant to obtain the identity credential;

[0206] Receive the identity rights and interests associated with the identity credential issued by the server, and render and display the identity credential page based on the identity rights and interests.

[0207] Optionally, the settlement instruction is generated after a settlement control configured on the identity credential page is triggered.

[0208] Specifically, after the user triggers the registration control configured on the credential registration page, a credential registration request is sent to the server. The server can add the user to the registered user table stored by the merchant on the server, or the server calls the registration interface of the merchant server to register the user's identity credential, and issues the identity rights and interests associated with the identity credential to the user terminal, so as to issue the merchant's preferential rights and interests to the identity credential, and issue the payment preferential rights and interests to the payment account.

[0209] During the specific execution process, after the user terminal displays the identity credential page, the user can trigger the control displayed on the identity credential page to cooperate with the server to process the identity credential. Specifically, the participation control configured on the identity credential page can be triggered to join the registered user group, or the identity rights and interests collection control can be triggered to collect the rights and interests. In an optional implementation manner provided by this embodiment, after the identity credential page is rendered and displayed based on the identity rights and interests, it also includes:

[0210] If the participation control of the registered user group configured on the identity credential page is triggered, cooperate with the server to add the user to the registered user group;

[0211] If the control for collecting the identity benefits configured on the identity credential page is triggered, the identity benefits are associated with the identity credential in cooperation with the server, or the identity benefits are allocated to the payment account of the user.

[0212] As shown in Figure 8(b), the user triggers the participation button 802 of the member group configured on the identity credential page, submits a group participation instruction to the server, and the server adds the user to the registered user group created by the merchant in the payment application; the user triggers the identity benefit collection button 803 configured on the identity credential page, submits a benefit collection instruction to the server, and the server associates the merchant's preferential benefits with the user's identity credentials at the merchant according to the type of benefits, or allocates the payment preferential benefits to the user's payment account; the user can also trigger the payment button 804 configured on the identity credential page to enable the user to jump to the merchant subroutine and confirm and pay for the order based on the identity credential, that is: the user submits a settlement instruction based on the identity credential to the user terminal by triggering the payment button 804.

[0213] In addition, the identity credential page can also be configured with a login cancellation control. After the user triggers the login cancellation control, the user terminal and the server cooperate to process the identity credential so that the user can enter the merchant subroutine based on the unregistered state. Using the above example, after the user triggers the login cancellation button 805, the login cancellation instruction is submitted to the server. The server calls the access interface of the merchant subroutine based on the login cancellation instruction so that the user terminal can enter the merchant subroutine based on the unregistered state.

[0214] During the specific execution process, after receiving the settlement information and user identification sent by the user terminal, the merchant subprogram may create a product page for the product included in the settlement information according to the settlement information and the user identification, and settle the product according to the identity rights and interests associated with the user's identity certificate to obtain the settlement amount. After obtaining the order instruction submitted by the user on the product page, the merchant subprogram may create a product order based on the settlement amount and generate an order payment instruction to make order payment. In an optional implementation manner provided in this embodiment, order confirmation in the merchant subprogram includes:

[0215] Settling the commodity information included in the settlement information according to the identity rights and interests associated with the identity certificate to obtain a settlement result;

[0216] If an order instruction is detected, an order is created based on the settlement information and the settlement result, and an order payment instruction is generated to make order payment.

[0217] like Fig. 9 As shown, a product page is generated based on the product information contained in the settlement information, and the product amount is settled based on the identity rights and interests associated with the user's identity credentials to obtain a settlement result. The user can trigger the order button 901 configured on the product page to submit an order instruction, so that the merchant subroutine creates a product order based on the settlement result and product information and generates an order payment instruction for order payment processing.

[0218] Furthermore, the goods included in the settlement information may also be delivered to the user by means of logistics distribution. Here, the user may also add the delivery information of the goods in the goods page, and calculate the settlement result based on the goods amount, delivery fee and identity rights and interests included in the settlement information. In addition, the goods included in the settlement information may also be goods given to the user, that is, the settlement result may be calculated based on the delivery fee and identity rights and interests. In an optional implementation manner provided by this embodiment, order confirmation is performed in the merchant subroutine, including:

[0219] Performing settlement on the commodity information included in the settlement information according to the identity rights and interests associated with the identity certificate to obtain a settlement result, and / or obtaining the delivery information input through the merchant subprogram;

[0220] If an order instruction is detected, an order is created based on the settlement information and the settlement result and / or the delivery information, and an order payment instruction is generated to make order payment.

[0221] Continuing with the above example, the user can also trigger the "Add Delivery Address" button 902 configured on the product page to add delivery information and calculate the settlement result including the delivery fee, so that the merchant subroutine can create a product order based on the settlement result, product information and delivery address and generate an order payment instruction for order payment processing.

[0222] In the specific order payment process, the merchant subroutine may call the payment interface based on the generated order payment instruction to make order payment. Specifically, the payment interface of the third-party application may be called to make order payment. The third-party application may be the application for establishing the NFC connection and displaying the identity credential page, such as the payment application. In an optional implementation manner provided in this embodiment, order payment is made in the merchant subroutine, including:

[0223] The payment interface is called based on the order payment instruction generated by the merchant subroutine to make order payment.

[0224] Optionally, the payment interface response and interface call perform the following operations: making order payment to the merchant according to the payment information carried in the order payment instruction, or, querying the identity rights and interests of the user's payment account according to the user identifier carried in the order payment instruction, and making order payment to the merchant based on the identity rights and interests.

[0225] For example, after generating an order payment instruction, the merchant subroutine calls the payment interface of the payment application to make order payment. The server to which the payment application belongs queries the identity rights and interests of the user's payment account according to the user identifier carried in the order payment instruction, and calculates the amount to be transferred from the user account based on the identity rights and interests, and transfers the transferred amount to the merchant account for order payment, and also writes off the rights and interests to the merchant based on the identity rights and interests.

[0226] To summarize, the one or more order processing methods based on near-field communication provided in this embodiment can be applied to the server. During the order processing process, the settlement information sent by the user terminal is received, and the identity credential is queried according to the user identification and the merchant identification contained in the settlement information. According to the queried identity credential status of the user in the merchant, the identity credential data corresponding to the identity credential status is obtained and sent to the user terminal, and the identity credential processing is performed in cooperation with the user terminal, so that the user terminal jumps to the merchant subroutine to confirm the order and pay the order after detecting the settlement instruction based on the identity credential, thereby realizing order creation, order confirmation and order payment without cash register equipment, improving order processing efficiency, and avoiding the low efficiency problem in the scenario of concentrated cash register area.

[0227] Furthermore, different identity credential pages can be rendered according to the queried identity credential status of the user, so that the user can perceive the rights and interests enjoyed after registering the identity credential or the rights and interests that can be enjoyed for this order before payment, thereby improving the user's perception;

[0228] Furthermore, the identity credential page can be configured with multiple controls. Users can receive various identity benefits and join user groups through the configured controls on the identity credential page before payment, avoiding the complicated process of receiving coupons and then processing orders. In addition, different controls can be configured on the identity credential pages of unregistered users and registered users, so that unregistered users can be aware of the rights and interests that can be obtained after registering identity credentials, thereby improving order processing efficiency and enhancing user perception.

[0229] The following takes the application of an order processing method based on near field communication provided in this embodiment in a member payment scenario as an example to further illustrate the order processing method based on near field communication provided in this embodiment. Fig.10 , an order processing method based on near field communication applied to a registered member payment scenario specifically includes the following steps.

[0230] Step S1012, receiving the settlement information sent by the user terminal, and querying the identity certificate of the user registered with the merchant according to the user ID and the merchant ID of the user.

[0231] Step S1014, obtaining the credential information of the identity credential of the user registered with the merchant, and the identity rights and interests associated with the identity credential.

[0232] Step S1016, determining a registered user group created by the merchant for the registered user who registered the identity credential.

[0233] Step S1018: sending the credential information, identity rights and registered user groups as identity credential data to the user terminal.

[0234] The following takes the application of an order processing method based on near field communication provided in this embodiment in an unregistered member payment scenario as an example to further illustrate the order processing method based on near field communication provided in this embodiment. Fig.11 , an order processing method based on near field communication applied to unregistered member payment scenarios specifically includes the following steps.

[0235] Step S1112, receiving the settlement information sent by the user terminal, and querying the user's identity certificate at the merchant according to the user's user ID and the merchant ID.

[0236] Step S1114, when the identity credential status is unregistered, obtain the merchant's identity credential registration data.

[0237] Step S1116: sending identity credential data to the user terminal.

[0238] Step S1122: register the user's identity credential to obtain the identity credential, obtain the identity rights and interests associated with the identity credential and send them to the user terminal.

[0239] One or more embodiments of the third order processing method based on near field communication provided in this specification are as follows:

[0240] Reference Fig.13 The order processing method based on near field communication provided in this embodiment can be applied to merchant equipment, and specifically includes steps S1302 to S1306.

[0241] Step S1302, obtaining the settlement information input through the settlement page, rendering and displaying the near-field payment page of the settlement information.

[0242] In actual applications, there are situations where the merchant's venue is large and the settlement and / or cashier area is too crowded, for example: the venue area of ​​large supermarkets and large shopping places is too large, the payment area is too fixed, and users need to queue up after shopping; in response to this, this embodiment inputs settlement information into a handheld wireless merchant device, and transmits the settlement information to the user terminal through an NFC connection, so that the user terminal can confirm and pay for the order in the merchant subroutine, thereby realizing quick order creation, order confirmation and order payment without a cashier device. Furthermore, the user terminal can also cooperate with the server to query the user's identity credentials at the merchant, and submit settlement instructions based on the identity credentials, thereby realizing quick member payment without a fixed cashier area.

[0243] In this embodiment, the merchant device refers to a handheld wireless device that is used to receive settlement information or product information input by merchant members and send the settlement information to the user terminal through an NFC connection. Specifically, the merchant device may include an NFC device configured with a display component and an NFC component; the merchant device may also be configured with a client of a third-party application, and the merchant device inputs settlement information through the installed third-party application, for example: the merchant device may be configured with a client of a payment application, and the merchant device inputs settlement information through the payment application; the merchant device may render a near-field payment page through a third-party application and send settlement information to the user terminal, that is: the user terminal may establish an NFC connection with the merchant device in the third-party application; optionally, the third-party application renders a near-field payment page by calling a near-field payment interface and sends settlement information to the user terminal.

[0244] Furthermore, the merchant device can be a networked device connected to the Internet. The merchant device can interact with the merchant server to obtain the settlement information of each commodity for merchant members to select and input, and at the same time send the settlement information to the user terminal through the Internet through a third-party application. Furthermore, the third-party application can also call the server to which the third-party application belongs through the network connection of the merchant device to render the near-field payment page. The merchant device is only used to receive and display the near-field payment page. In addition, the merchant device can also be an offline NFC device. The settlement information of each commodity is stored in the merchant device for merchant members to select and input. Furthermore, the third-party application is also an offline application. The third-party application calls the near-field payment interface and renders and displays the near-field payment page through the rendering component of the merchant device.

[0245] During specific implementation, the merchant member interacts with the settlement page displayed by the merchant device to obtain the settlement information input on the settlement page, and renders and displays the near-field payment page of the settlement information according to the settlement information.

[0246] In this embodiment, the settlement information refers to the settlement information of the goods entered by the merchant member, which may be the detailed information of the goods, the settlement amount of the goods, the merchant information, the receipt information of the goods, etc. It may also be a combination of two or more of the above information, which is not limited in this embodiment. Optionally, the settlement information includes the goods information and the merchant identification; wherein the goods information includes the detailed information of the goods and / or the settlement amount.

[0247] Specifically, the settlement information can be input through the settlement page displayed by the merchant device through the merchant member. After obtaining the settlement information, the merchant device can also render and display the near-field payment page of the settlement information. That is, the merchant device obtains the settlement information input through the settlement page and renders the near-field payment page displaying the settlement information. As shown in Figures 3 and Figure 4 As shown, the merchant member triggers the new order button 301 on the first settlement page shown in FIG. 3(a), enters the second settlement page shown in FIG. 3(b), and triggers the submit button 302 after inputting the product information and the merchant ID of the merchant on the second settlement page, and enters the third settlement page shown in FIG. 3(c). After the merchant member triggers the initiate payment button 303 on the third settlement page, the following is displayed: Figure 4 The near-field payment page shown is used to guide the user terminal to establish a near-field communication connection with the merchant device. In addition, the merchant ID can also be written into the settlement page through the merchant device, that is, the merchant device generates a settlement page carrying the merchant ID, and the merchant member enters the product information on the settlement page to obtain the settlement information of the settlement page.

[0248] During the specific execution process, while the merchant device displays the near-field payment page, or after the merchant device displays the near-field payment page, the near-field communication component can be called to detect the user terminal and establish an NFC connection with the detected user terminal to send the settlement information to the user terminal; optionally, the near-field communication connection is established after the merchant device obtains the settlement information entered through the settlement page and renders the near-field payment page that displays the settlement information. Optionally, the near-field communication connection is established after the merchant device calls the near-field communication component to detect the user terminal; the near-field communication component is called after the settlement information entered on the settlement page is obtained and the near-field payment page of the settlement information is rendered.

[0249] Step S1304: calling a near field communication component to detect a user terminal and establishing a near field communication connection with the detected user terminal.

[0250] During specific implementation, the NFC component is called to detect the user terminal, and when the user terminal is detected, a near field communication connection is established with the user terminal.

[0251] In addition, when the merchant device calls the near-field communication component and fails to detect the user terminal, or when the merchant device calls the near-field communication component and fails to establish an NFC connection with the user terminal, a near-field communication reminder page can be displayed. The near-field communication reminder page can be displayed after the near-field payment page display time expires to remind the user to turn on the NFC switch and approach the merchant device for NFC connection. Specifically, the merchant device can detect whether there is a user terminal close to the merchant device through detection components such as infrared components and image acquisition components. When a user terminal close to the merchant device is detected and the NFC connection fails, a near-field communication reminder page can be displayed. Optionally, after detecting the user terminal, the detection component of the merchant device calls the near-field communication component to establish a near-field communication connection with the detected user terminal. If the connection fails, a near-field communication reminder page is displayed.

[0252] It should be noted that the near-field payment page displayed by the merchant device can also be replaced with a scan payment page. Specifically, after detecting the switch instruction of the near-field payment page, the merchant device renders and switches to the scan payment page carrying the payment code and order amount. Figure 5As shown, after the merchant member triggers the switch button 501 of the near-field payment page, the merchant device renders and switches to the scan payment page carrying the payment code and the order amount. Further, when the merchant device displays the scan payment page, the user terminal can scan the payment code and jump to the merchant subroutine based on the scan result to confirm the order and pay the order in the merchant subroutine. An optional implementation provided by this embodiment also includes: scanning the payment code and decoding the payment code, jumping to the merchant subroutine based on the decoding result and sending the settlement information and the user identifier to confirm the order and pay the order in the merchant subroutine.

[0253] Step S1306, sending the settlement information to the user terminal through the near field communication connection, so that the user terminal cooperates with the server to process the identity credentials based on the settlement information, and jumps to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credentials in the merchant.

[0254] In specific implementation, the merchant device sends settlement information to the user terminal through the NFC connection; after receiving the settlement information, the user terminal forwards it to the server to process the identity credentials based on the settlement information and the server, and jumps to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credentials at the merchant.

[0255] In this embodiment, the identity credential refers to the registered identity credential of the user at the merchant. Specifically, the identity credential may be the membership status of the user registered at the merchant. Accordingly, when the user registers the membership status of the merchant, the identity credential status may be the membership status of the user at the merchant, and the identity credential data may be the membership points, membership balance, membership group leader status, membership preferential rights, etc. of the user at the merchant; in addition, when the user has not registered the membership status of the merchant, the identity credential status may be the unregistered membership status of the user at the merchant, and the identity credential data may be the identity credential registration data of the merchant, such as: the merchant's membership promotion information, etc. Optionally, if the identity credential status is unregistered, the identity credential data includes: the identity credential registration data of the merchant.

[0256] In the specific identity credential query process, the server may query whether there is a user corresponding to the user identifier in the merchant according to the user identifier and the merchant identifier, and determine the identity credential status of the user in the merchant according to the query result. In an optional implementation manner provided in this embodiment, the identity credential query includes:

[0257] According to the user identifier of the user and the merchant identifier included in the settlement information, it is queried whether the user has registered an identity credential at the merchant. If so, it is determined that the identity credential status is a registered status; if not, it is determined that the identity credential status is an unregistered status.

[0258] Specifically, the server can store the registered user table of each merchant. The server determines the registered user table of the merchant based on the merchant identifier, and queries whether there is a registered user corresponding to the user identifier in the registered user table of the merchant. If so, the user's identity credential status is determined to be registered; if not, the user's identity credential status is determined to be unregistered.

[0259] In addition, each merchant may also store its own registered user table in its own corresponding merchant server. The server may call the query interface of the corresponding merchant server according to the merchant identifier to query the registered user table, and query whether there is a registered user corresponding to the user identifier in the registered user table, and determine the user's identity credential status according to the query result. In another optional implementation manner provided by this embodiment, performing an identity credential query includes: calling the query interface of the merchant corresponding to the merchant identifier according to the merchant identifier to query the registered user, and determining whether the user corresponding to the user identifier has registered the identity credential at the merchant according to the query result. If so, determining that the identity credential status is a registered status; if not, determining that the identity credential status is an unregistered status.

[0260] During the specific implementation process, the merchant may issue various identity rights and / or preferential rights to the registered user. The merchant may also invite the registered user to join the registered user group to manage and maintain the registered user. For the registered user, the server may use the credential information of the user's identity credential, the identity rights and interests associated with the identity credential, and the registered user group and / or the user's status for the registered user group as the identity credential data. In an optional implementation manner provided by this embodiment, if the identity credential status is a registered status, obtaining the identity credential data corresponding to the identity credential status of the user in the merchant includes:

[0261] Obtaining credential information of the identity credential registered by the user at the merchant, and identity rights and interests associated with the identity credential;

[0262] A registered user group created by the merchant for the registered user of the registered identity credential is determined.

[0263] In addition, merchants can issue identity benefits and / or preferential benefits to unregistered users, that is, the benefits that users can obtain after registering with the merchant. For unregistered users, the server can use the merchant's identity credential registration data as identity credential data and send it to the user terminal.

[0264] During the specific execution process, when the user terminal renders and displays the page, it needs to interact with the server for data and call various components, such as the rendering component, which requires some processing time for rendering and display processing; in this regard, the page can be rendered and loaded and displayed to indicate to the user that the user terminal is performing rendering and display processing. Figure 6As shown, before displaying the identity credential page, the loading page is displayed first. In addition, since different user terminals may use different operating systems, the loading page can be rendered and displayed for different operating systems, and a display reminder of the identity credential page can also be displayed on the lock screen or desktop to enable the user to trigger the display button to display the identity credential page.

[0265] During the specific execution process, different identity credential pages may be rendered according to the identity credential status of different users. For users in the registered state, the identity credential page may be rendered according to the settlement amount, identity credential information, identity rights and interests, etc. included in the settlement information, and the identity credential processing may be performed in cooperation with the server according to different trigger instructions of the user; for unregistered users, the identity credential page may be rendered according to the settlement amount included in the settlement information and the identity credential registration data of the merchant, and the identity credential processing may be performed in cooperation with the server according to different trigger instructions of the user. The identity credential pages in the registered state and the unregistered state are described below respectively;

[0266] (1) Registration status

[0267] For registered users, the member benefits that can be collected, the remaining identity benefits in the member account, the credential information corresponding to the member level, the settlement amount, etc. can be displayed on the identity credential page to enable the user to quickly perceive the identity credential data. In an optional implementation manner provided in this embodiment, page rendering and display are performed, including:

[0268] According to the settlement amount, the credential information, and the identity rights and interests included in the settlement information, a credential interaction page of the identity credential is rendered and displayed.

[0269] Optionally, the credential interaction page is configured with a login control, a control for collecting the identity benefits, and / or a control for participating in the user group.

[0270] like Figure 7 As shown, the voucher interaction page is configured with a login button 701, a coupon collection button 702, and a member group participation button 703. The voucher interaction page also displays the settlement amount and the points and balance of the user in the member account.

[0271] During the specific execution process, the user can trigger different controls configured on the identity credential page and send requests corresponding to the controls to the server to cooperate with the server to perform corresponding identity credential processing. In an optional implementation provided by this embodiment, cooperating with the server to perform identity credential processing includes:

[0272] If the participation control is triggered, a participation request is generated and sent to the server to add the user to the registered user group;

[0273] If the claim control is triggered, a claim request for the identity benefit is sent to the server to associate the identity benefit with the identity credential, or to allocate the identity benefit to the user's payment account;

[0274] If the login control is triggered, the login process of the identity credential is performed in cooperation with the server.

[0275] Optionally, the settlement instruction is generated after the login process is successful.

[0276] Continuing with the above example, after triggering the login button 701, the user submits a login instruction to the server. The server calls the access interface of the merchant subroutine based on the login instruction, so that the user terminal enters the merchant subroutine based on the identity credential, that is: the user submits a settlement instruction based on the identity credential to the user terminal by triggering the login button 701; after the user triggers the receive button 702, the user generates an identity benefit receive request and sends it to the server. The server associates the identity benefit with the user's identity credential at the merchant, or adds the identity benefit to the user's payment account in the payment application; after triggering the participation button 703, the user generates a participation request and sends it to the server, and the server adds the user to the member group created by the merchant in the payment application.

[0277] In addition, the credential interaction page can also be configured with a login cancellation control. After the user triggers the login cancellation control, the user terminal cooperates with the server to process the identity credential so that the user can enter the merchant subroutine based on the unregistered state. Using the above example, after the user triggers the login cancellation button 704, the login cancellation instruction is submitted to the server. The server calls the access interface of the merchant subroutine based on the login cancellation instruction so that the user terminal can enter the merchant subroutine based on the unregistered state.

[0278] (2) Unregistered status

[0279] For unregistered users, the membership benefits to be claimed and the settlement amount can be displayed on the identity credential page, so that the user can quickly perceive the benefits that can be obtained after registering the identity credential. In an optional implementation provided by this embodiment, page rendering and display are performed, including:

[0280] Render a credential registration page including the settlement amount included in the settlement information and the identity credential registration data, and display the credential registration page.

[0281] Optionally, the credential registration page is configured with a registration control for identity credentials.

[0282] As shown in FIG8( a ), the credential registration page displays the settlement amount and the rights and interests that can be obtained after registering the identity credential. The credential registration page is also configured with a registration button 801 for the identity credential.

[0283] Further, after the user triggers the registration control configured on the credential registration page, the user can cooperate with the server to perform credential registration processing and associate the identity rights with the identity credential, and render and display the identity credential page based on the identity rights to enable the user to perceive the registration of the identity credential. In an optional implementation manner provided in this embodiment, the identity credential processing is performed in cooperation with the server, including:

[0284] If the registration control configured on the credential registration page is triggered, a credential registration request is sent to the server to register the user's identity credential at the merchant to obtain the identity credential;

[0285] Receive the identity rights and interests associated with the identity credential issued by the server, and render and display the identity credential page based on the identity rights and interests.

[0286] Optionally, the settlement instruction is generated after a settlement control configured on the identity credential page is triggered.

[0287] Specifically, after the user triggers the registration control configured on the credential registration page, a credential registration request is sent to the server. The server can add the user to the registered user table stored by the merchant on the server, or the server calls the registration interface of the merchant server to register the user's identity credential, and issues the identity rights and interests associated with the identity credential to the user terminal, so as to issue the merchant's preferential rights and interests to the identity credential, and issue the payment preferential rights and interests to the payment account.

[0288] During the specific execution process, after the user terminal displays the identity credential page, the user can trigger the control displayed on the identity credential page to cooperate with the server to process the identity credential. Specifically, the participation control configured on the identity credential page can be triggered to join the registered user group, or the identity rights and interests collection control can be triggered to collect the rights and interests. In an optional implementation manner provided by this embodiment, after the identity credential page is rendered and displayed based on the identity rights and interests, it also includes:

[0289] If the participation control of the registered user group configured on the identity credential page is triggered, cooperate with the server to add the user to the registered user group;

[0290] If the control for collecting the identity benefits configured on the identity credential page is triggered, the identity benefits are associated with the identity credential in cooperation with the server, or the identity benefits are allocated to the payment account of the user.

[0291] As shown in Figure 8(b), the user triggers the participation button 802 of the member group configured on the identity credential page, submits a group participation instruction to the server, and the server adds the user to the registered user group created by the merchant in the payment application; the user triggers the identity benefit collection button 803 configured on the identity credential page, submits a benefit collection instruction to the server, and the server associates the merchant's preferential benefits with the user's identity credentials at the merchant according to the type of benefits, or allocates the payment preferential benefits to the user's payment account; the user can also trigger the payment button 804 configured on the identity credential page to enable the user to jump to the merchant subroutine and confirm and pay for the order based on the identity credential, that is: the user submits a settlement instruction based on the identity credential to the user terminal by triggering the payment button 804.

[0292] In addition, the identity credential page can also be configured with a login cancellation control. After the user triggers the login cancellation control, the user terminal and the server cooperate to process the identity credential so that the user can enter the merchant subroutine based on the unregistered state. Using the above example, after the user triggers the login cancellation button 805, the login cancellation instruction is submitted to the server. The server calls the access interface of the merchant subroutine based on the login cancellation instruction so that the user terminal can enter the merchant subroutine based on the unregistered state.

[0293] In this embodiment, the merchant subroutine refers to the subroutine configured by the merchant in the application for order creation, order confirmation and order payment of commodity orders. Specifically, the merchant subroutine may be a subroutine configured by the merchant in a third-party application, such as a subroutine configured in a payment application to jump from the identity credential page displayed by the third-party application to the merchant subroutine in the third-party application.

[0294] During the specific execution process, after receiving the settlement information and user identification sent by the user terminal, the merchant subprogram may create a product page for the product included in the settlement information according to the settlement information and the user identification, and settle the product according to the identity rights and interests associated with the user's identity certificate to obtain the settlement amount. After obtaining the order instruction submitted by the user on the product page, the merchant subprogram may create a product order based on the settlement amount and generate an order payment instruction to make order payment. In an optional implementation manner provided in this embodiment, order confirmation in the merchant subprogram includes:

[0295] Settling the commodity information included in the settlement information according to the identity rights and interests associated with the identity certificate to obtain a settlement result;

[0296] If an order instruction is detected, an order is created based on the settlement information and the settlement result, and an order payment instruction is generated to make order payment.

[0297] like Fig. 9As shown, a product page is generated based on the product information contained in the settlement information, and the product amount is settled based on the identity rights and interests associated with the user's identity credentials to obtain a settlement result. The user can trigger the order button 901 configured on the product page to submit an order instruction, so that the merchant subroutine creates a product order based on the settlement result and product information and generates an order payment instruction for order payment processing.

[0298] Furthermore, the goods included in the settlement information may also be delivered to the user by means of logistics distribution. Here, the user may also add the delivery information of the goods in the goods page, and calculate the settlement result based on the goods amount, delivery fee and identity rights and interests included in the settlement information. In addition, the goods included in the settlement information may also be goods given to the user, that is, the settlement result may be calculated based on the delivery fee and identity rights and interests. In an optional implementation manner provided by this embodiment, order confirmation is performed in the merchant subroutine, including:

[0299] Performing settlement on the commodity information included in the settlement information according to the identity rights and interests associated with the identity certificate to obtain a settlement result, and / or obtaining the delivery information input through the merchant subprogram;

[0300] If an order instruction is detected, an order is created based on the settlement information and the settlement result and / or the delivery information, and an order payment instruction is generated to make order payment.

[0301] Continuing with the above example, the user can also trigger the "Add Delivery Address" button 902 configured on the product page to add delivery information and calculate the settlement result including the delivery fee, so that the merchant subroutine can create a product order based on the settlement result, product information and delivery address and generate an order payment instruction for order payment processing.

[0302] In the specific order payment process, the merchant subroutine may call the payment interface based on the generated order payment instruction to make order payment. Specifically, the payment interface of the third-party application may be called to make order payment. The third-party application may be the application for establishing the NFC connection and displaying the identity credential page, such as the payment application. In an optional implementation manner provided in this embodiment, order payment is made in the merchant subroutine, including:

[0303] The payment interface is called based on the order payment instruction generated by the merchant subroutine to make order payment.

[0304] Optionally, the payment interface response and interface call perform the following operations: making order payment to the merchant according to the payment information carried in the order payment instruction, or, querying the identity rights and interests of the user's payment account according to the user identifier carried in the order payment instruction, and making order payment to the merchant based on the identity rights and interests.

[0305] For example, after generating an order payment instruction, the merchant subroutine calls the payment interface of the payment application to make order payment. The server to which the payment application belongs queries the identity rights and interests of the user's payment account according to the user identifier carried in the order payment instruction, and calculates the amount to be transferred from the user account based on the identity rights and interests, and transfers the transferred amount to the merchant account for order payment, and also writes off the rights and interests to the merchant based on the identity rights and interests.

[0306] To summarize, the one or more order processing methods based on near-field communication provided in this embodiment can be applied to merchant devices. In the process of order processing, the settlement information entered through the settlement page is obtained, the near-field payment page of the settlement information is rendered and displayed, the near-field communication component is called to detect the user terminal, and a near-field communication connection is established with the detected user terminal, and the settlement information is sent to the user terminal through the NFC connection, so that the user terminal can process the identity credentials based on the settlement system and the server, and jump to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credential at the merchant, thereby realizing order creation, order confirmation and order payment without the need for a cash register device, improving the order processing efficiency, and avoiding the low efficiency problem in the scenario of concentrated cash register areas.

[0307] Furthermore, different identity credential pages can be rendered according to the queried identity credential status of the user, so that the user can perceive the rights and interests enjoyed after registering the identity credential or the rights and interests that can be enjoyed for this order before payment, thereby improving the user's perception;

[0308] Furthermore, the identity credential page can be configured with multiple controls. Users can receive various identity benefits and join user groups through the configured controls on the identity credential page before payment, avoiding the complicated process of receiving coupons and then processing orders. In addition, different controls can be configured on the identity credential pages of unregistered users and registered users, so that unregistered users can be aware of the rights and interests that can be obtained after registering identity credentials, thereby improving order processing efficiency and enhancing user perception.

[0309] The following takes the application of an order processing method based on near field communication provided in this embodiment in a registered member payment scenario as an example to further illustrate the order processing method based on near field communication provided in this embodiment, see Fig.10 , an order processing method based on near field communication applied to a registered member payment scenario specifically includes the following steps.

[0310] Step S1002, obtaining the settlement information input through the settlement page, and calling the near-field payment interface through a third-party application to render and display the near-field payment page of the settlement information.

[0311] Previously, merchant members entered settlement information through the settlement page displayed by a third-party application installed on the merchant device.

[0312] Step S1004: calling the NFC component to detect a user terminal and establishing an NFC connection with the detected user.

[0313] Step S1006: The third-party application calls the near field payment interface to send settlement information to the user terminal through the NFC connection.

[0314] The following takes the application of an order processing method based on near field communication provided in this embodiment in an unregistered member payment scenario as an example to further illustrate the order processing method based on near field communication provided in this embodiment. Fig.11 , an order processing method based on near field communication applied to unregistered member payment scenarios specifically includes the following steps.

[0315] Step S1102, obtaining the settlement information input through the settlement page, and calling the near-field payment interface through a third-party application to render and display the near-field payment page of the settlement information.

[0316] Previously, merchant members entered settlement information through the settlement page displayed by a third-party application installed on the merchant device.

[0317] Step S1104: calling the NFC component to detect the user terminal and establishing an NFC connection with the detected user.

[0318] Step S1106: The third-party application calls the near field payment interface to send settlement information to the user terminal through the NFC connection.

[0319] The first embodiment of an order processing device based on near field communication provided in this specification is as follows:

[0320] In the above-mentioned embodiment, a first order processing method based on near field communication is provided, and correspondingly, an order processing device based on near field communication is also provided, which will be described below with reference to the accompanying drawings.

[0321] Reference Fig.14 , which shows a schematic diagram of a first embodiment of an order processing device based on near field communication provided in this embodiment.

[0322] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0323] This embodiment provides a first order processing device based on near field communication, including:

[0324] The settlement information receiving module 1402 is configured to call the near field communication component to cooperate with the merchant's merchant device to establish a near field communication connection, and receive the settlement information sent by the merchant device through the near field communication connection;

[0325] The settlement information sending module 1404 is configured to send the settlement information to the server to perform identity credential query and obtain identity credential data corresponding to the identity credential status of the user at the merchant;

[0326] The identity credential page display module 1406 is configured to render and display a page according to the settlement information and the identity credential data issued by the server, and cooperate with the server to perform identity credential processing based on the displayed identity credential page;

[0327] If a settlement instruction based on identity credentials is detected, the subroutine jump module 1408 is executed, and the subroutine jump module 1408 is configured to jump to the merchant subroutine and send the settlement information and user identification to perform order confirmation and order payment in the merchant subroutine.

[0328] The second embodiment of the order processing device based on near field communication provided in this specification is as follows:

[0329] In the above-mentioned embodiment, a second order processing method based on near field communication is provided, and correspondingly, an order processing device based on near field communication is also provided, which is described below with reference to the accompanying drawings.

[0330] Reference Fig.15 , which shows a schematic diagram of a second order processing device embodiment based on near field communication provided in this embodiment.

[0331] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0332] This embodiment provides a second order processing device based on near field communication, including:

[0333] The settlement information receiving module 1502 is configured to receive the settlement information sent by the user terminal; the settlement information is sent to the user terminal by the merchant device through the established near field communication connection;

[0334] The identity credential query module 1504 is configured to query the identity credential according to the user identifier and the merchant identifier included in the settlement information;

[0335] The identity credential data sending module 1506 is configured to obtain identity credential data corresponding to the identity credential status according to the queried identity credential status of the user in the merchant and send the identity credential data to the user terminal;

[0336] The identity credential processing module 1508 is configured to cooperate with the user terminal to perform identity credential processing, so that the user terminal jumps to the merchant subroutine to perform order confirmation and order payment after detecting a settlement instruction based on the identity credential.

[0337] The third embodiment of the order processing device based on near field communication provided in this specification is as follows:

[0338] In the above-mentioned embodiment, a third order processing method based on near field communication is provided, and correspondingly, an order processing device based on near field communication is also provided, which is described below with reference to the accompanying drawings.

[0339] Reference Fig.16 , which shows a schematic diagram of a third embodiment of an order processing device based on near field communication provided in this embodiment.

[0340] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0341] This embodiment provides a third order processing device based on near field communication, including:

[0342] The settlement information acquisition module 1602 is configured to acquire the settlement information input through the settlement page, and render and display the near-field payment page of the settlement information;

[0343] The near field communication connection establishing module 1604 is configured to call the near field communication component to perform user terminal detection and establish a near field communication connection with the detected user terminal;

[0344] The settlement information sending module 1606 is configured to send the settlement information to the user terminal through the near-field communication connection, so that the user terminal cooperates with the server to process the identity credentials based on the settlement information, and jumps to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credentials at the merchant.

[0345] The first embodiment of an order processing device based on near field communication provided in this specification is as follows:

[0346] Corresponding to the first order processing method based on near field communication described above, based on the same technical concept, one or more embodiments of this specification further provide an order processing device based on near field communication, and the order processing device based on near field communication is used to execute the first order processing method based on near field communication provided above. Fig.17 A schematic diagram of the structure of a first near field communication-based order processing device provided for one or more embodiments of this specification.

[0347] The first order processing device based on near field communication provided in this embodiment includes:

[0348] like Fig.17 As shown, the order processing device based on near field communication may have relatively large differences due to different configurations or performances, and may include one or more processors 1701 and memory 1702, and the memory 1702 may store one or more storage applications or data. Among them, the memory 1702 may be a short-term storage or a persistent storage. The application stored in the memory 1702 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the order processing device based on near field communication. Furthermore, the processor 1701 may be configured to communicate with the memory 1702, and execute a series of computer executable instructions in the memory 1702 on the order processing device based on near field communication. The order processing device based on near field communication may also include one or more power supplies 1703, one or more wired or wireless network interfaces 1704, one or more input / output interfaces 1705, one or more keyboards 1706, etc.

[0349] In a specific embodiment, the order processing device based on near field communication includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the first device of the payer, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following:

[0350] Calling the near field communication component to cooperate with the merchant's merchant device to establish a near field communication connection, and receiving the settlement information sent by the merchant device through the near field communication connection;

[0351] Sending the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the identity credential status of the user at the merchant;

[0352] Rendering and displaying a page according to the settlement information and the identity credential data issued by the server, and cooperating with the server to process the identity credential based on the displayed identity credential page;

[0353] If a settlement instruction based on the identity certificate is detected, the process jumps to the merchant subprogram and sends the settlement information and the user identifier, so that the order is confirmed and paid in the merchant subprogram.

[0354] The second embodiment of the order processing device based on near field communication provided in this specification is as follows:

[0355] Corresponding to the second order processing method based on near field communication described above, based on the same technical concept, one or more embodiments of this specification further provide an order processing device based on near field communication, and the order processing device based on near field communication is used to execute the second order processing method based on near field communication provided above. Fig.18 A schematic diagram of the structure of a second near field communication-based order processing device provided for one or more embodiments of this specification.

[0356] The second order processing device based on near field communication provided in this embodiment includes:

[0357] like Fig.18 As shown, the order processing device based on near field communication may have relatively large differences due to different configurations or performances, and may include one or more processors 1801 and memory 1802, and the memory 1802 may store one or more storage applications or data. Among them, the memory 1802 may be a short-term storage or a persistent storage. The application stored in the memory 1802 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the order processing device based on near field communication. Furthermore, the processor 1801 may be configured to communicate with the memory 1802, and execute a series of computer executable instructions in the memory 1802 on the order processing device based on near field communication. The order processing device based on near field communication may also include one or more power supplies 1803, one or more wired or wireless network interfaces 1804, one or more input / output interfaces 1805, one or more keyboards 1806, etc.

[0358] In a specific embodiment, the order processing device based on near field communication includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the order processing device based on near field communication, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following:

[0359] Receiving settlement information sent by a user terminal; the settlement information is sent to the user terminal by the merchant device through an established near field communication connection;

[0360] Performing identity credential query based on the user identifier and the merchant identifier included in the settlement information;

[0361] According to the queried identity credential status of the user at the merchant, the identity credential data corresponding to the identity credential status is obtained and sent to the user terminal;

[0362] Cooperate with the user terminal to process the identity certificate, so that the user terminal jumps to the merchant subroutine to confirm and pay the order after detecting the settlement instruction based on the identity certificate.

[0363] The third embodiment of the order processing device based on near field communication provided in this specification is as follows:

[0364] Corresponding to the third order processing method based on near field communication described above, based on the same technical concept, one or more embodiments of this specification further provide an order processing device based on near field communication, and the order processing device based on near field communication is used to execute the third order processing method based on near field communication provided above. Fig.19 A schematic diagram of the structure of an order processing device based on near field communication provided for one or more embodiments of this specification.

[0365] This embodiment provides an order processing device based on near field communication, including:

[0366] like Fig.19As shown, the order processing device based on near field communication may have relatively large differences due to different configurations or performances, and may include one or more processors 1901 and memory 1902, and the memory 1902 may store one or more storage applications or data. Among them, the memory 1902 may be a short-term storage or a persistent storage. The application stored in the memory 1902 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the order processing device based on near field communication. Furthermore, the processor 1901 may be configured to communicate with the memory 1902, and execute a series of computer executable instructions in the memory 1902 on the order processing device based on near field communication. The order processing device based on near field communication may also include one or more power supplies 1903, one or more wired or wireless network interfaces 1904, one or more input / output interfaces 1905, one or more keyboards 1906, etc.

[0367] In a specific embodiment, the order processing device based on near field communication includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the order processing device based on near field communication, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following:

[0368] Obtaining the settlement information input through the settlement page, and rendering and displaying the near-field payment page of the settlement information;

[0369] Calling a near field communication component to detect a user terminal and establishing a near field communication connection with the detected user terminal;

[0370] The settlement information is sent to the user terminal through the near field communication connection, so that the user terminal cooperates with the server to process the identity credentials based on the settlement information, and jumps to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credentials in the merchant.

[0371] The first computer-readable storage medium embodiment provided in this specification is as follows:

[0372] Corresponding to the first order processing method based on near field communication described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0373] The first computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed:

[0374] Calling the near field communication component to cooperate with the merchant's merchant device to establish a near field communication connection, and receiving the settlement information sent by the merchant device through the near field communication connection;

[0375] Sending the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the identity credential status of the user at the merchant;

[0376] Rendering and displaying a page according to the settlement information and the identity credential data issued by the server, and cooperating with the server to process the identity credential based on the displayed identity credential page;

[0377] If a settlement instruction based on the identity certificate is detected, the process jumps to the merchant subprogram and sends the settlement information and the user identifier, so that the order is confirmed and paid in the merchant subprogram.

[0378] It should be noted that the embodiment of the first computer-readable storage medium in this specification and the embodiment of the first order processing method based on near-field communication in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0379] The second computer-readable storage medium embodiment provided in this specification is as follows:

[0380] Corresponding to the second order processing method based on near field communication described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0381] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed by a processor:

[0382] Receiving settlement information sent by a user terminal; the settlement information is sent to the user terminal by the merchant device through an established near field communication connection;

[0383] Performing identity credential query based on the user identifier and the merchant identifier included in the settlement information;

[0384] According to the queried identity credential status of the user at the merchant, the identity credential data corresponding to the identity credential status is obtained and sent to the user terminal;

[0385] Cooperate with the user terminal to process the identity certificate, so that the user terminal jumps to the merchant subroutine to confirm and pay the order after detecting the settlement instruction based on the identity certificate.

[0386] It should be noted that the embodiment of the second computer-readable storage medium in this specification and the embodiment of the second order processing method based on near-field communication in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding method mentioned above, and the repeated parts will not be repeated.

[0387] The third computer-readable storage medium embodiment provided in this specification is as follows:

[0388] Corresponding to the third order processing method based on near field communication described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0389] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed by a processor:

[0390] Obtaining the settlement information input through the settlement page, and rendering and displaying the near-field payment page of the settlement information;

[0391] Calling a near field communication component to detect a user terminal and establishing a near field communication connection with the detected user terminal;

[0392] The settlement information is sent to the user terminal through the near field communication connection, so that the user terminal cooperates with the server to process the identity credentials based on the settlement information, and jumps to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credentials in the merchant.

[0393] It should be noted that the embodiment of the third computer-readable storage medium in this specification and the embodiment of the third order processing method based on near-field communication in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0394] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referenced to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment and storage medium embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant content in the device embodiment, equipment embodiment and storage medium embodiment, please refer to the partial description of the method embodiment.

[0395] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0396] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the method flow). However, with the development of technology, many improvements to the method flow today can be regarded as direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using a hardware entity module. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask a chip manufacturer to design and produce a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0397] The controller can be implemented in any appropriate manner, for example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (such as software or firmware) that can be executed by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 626D, Atmel AT151SAM, Microchip PIC18F26K20, and Silicone Labs C8061F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in a purely computer-readable program code manner, the controller can be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, this controller can be considered as a hardware component, and the devices included therein for implementing various functions can also be regarded as structures within the hardware component. Or even, the devices for implementing various functions can be regarded as both software modules for implementing the method and structures within the hardware component.

[0398] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0399] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0400] It should be understood by those skilled in the art that one or more embodiments of this specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0401] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0402] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0403] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0404] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0405] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0406] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0407] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0408] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0409] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. An order processing method based on near field communication, applied to a user terminal, the method comprising: Calling the near field communication component to cooperate with the merchant's merchant device to establish a near field communication connection, and receiving the settlement information sent by the merchant device through the near field communication connection; Sending the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the identity credential status of the user at the merchant; Rendering and displaying a page according to the settlement information and the identity credential data issued by the server, and cooperating with the server to process the identity credential based on the displayed identity credential page; If a settlement instruction based on the identity certificate is detected, the process jumps to the merchant subprogram and sends the settlement information and the user identifier, so that the order is confirmed and paid in the merchant subprogram.

2. According to the near-field communication-based order processing method of claim 1, the near-field communication connection is established after the merchant device obtains the settlement information input through the settlement page and renders a near-field payment page displaying the settlement information.

3. According to the near field communication-based order processing method of claim 1, the querying of identity credentials comprises: According to the user identifier of the user and the merchant identifier included in the settlement information, it is queried whether the user has registered an identity credential at the merchant. If so, it is determined that the identity credential status is a registered status; if not, it is determined that the identity credential status is an unregistered status.

4. According to the near field communication-based order processing method of claim 3, if the identity credential status is a registered status, the step of obtaining the identity credential data corresponding to the identity credential status of the user at the merchant comprises: Obtaining credential information of the identity credential registered by the user at the merchant, and identity rights and interests associated with the identity credential; A registered user group created by the merchant for the registered user of the registered identity credential is determined.

5. According to the near field communication-based order processing method of claim 4, the page rendering and display according to the settlement information and the identity credential data issued by the server comprises: Render and display the credential interaction page of the identity credential according to the settlement amount, the credential information, and the identity rights and interests included in the settlement information; The credential interaction page is configured with a login control, a control for collecting the identity benefits, and / or a control for participating in the registered user group.

6. The method for processing an order based on near field communication according to claim 5, wherein the identity credential page based on display cooperates with the server to process the identity credential, comprising: If the participation control is triggered, a participation request is generated and sent to the server to add the user to the registered user group; If the claim control is triggered, a claim request for the identity benefit is sent to the server to associate the identity benefit with the identity credential, or to allocate the identity benefit to the user's payment account; If the login control is triggered, the identity credential login process is performed in cooperation with the server; the settlement instruction is generated after the login process is successful.

7. The method for processing orders based on near field communication according to claim 3, if the identity credential status is unregistered, the identity credential data includes: The merchant's identity credential registration data; Correspondingly, rendering and displaying a page according to the settlement information and the identity credential data issued by the server includes: Render a credential registration page including the identity credential registration data and the settlement amount included in the settlement information, and display the credential registration page.

8. The method for processing an order based on near field communication according to claim 7, wherein the identity credential processing based on the displayed identity credential page cooperates with the server to perform identity credential processing, comprising: If the registration control configured on the credential registration page is triggered, a credential registration request is sent to the server to register the user's identity credential at the merchant to obtain the identity credential; The identity rights and interests associated with the identity credential issued by the server are received, and an identity credential page is rendered and displayed based on the identity rights and interests; the settlement instruction is generated after a settlement control configured on the identity credential page is triggered.

9. According to the near field communication-based order processing method of claim 8, after the sub-step of receiving the identity rights and interests associated with the identity credential issued by the server, and rendering and displaying the identity credential page based on the identity rights and interests is performed, it also includes: If the participation control of the registered user group configured on the identity credential page is triggered, cooperate with the server to add the user to the registered user group; If the control for collecting the identity benefits configured on the identity credential page is triggered, the identity benefits are associated with the identity credential in cooperation with the server, or the identity benefits are allocated to the payment account of the user.

10. The method for processing an order based on near field communication according to claim 1, wherein the order confirmation in the merchant subprogram comprises: Performing settlement on the commodity information included in the settlement information according to the identity rights and interests associated with the identity certificate to obtain a settlement result, and / or obtaining the delivery information input through the merchant subprogram; If an order instruction is detected, an order is created based on the settlement information and the settlement result and / or the delivery information, and an order payment instruction is generated to make order payment.

11. The method for processing an order based on near field communication according to claim 10, wherein the step of performing order payment in the merchant subprogram comprises: Calling a payment interface based on the order payment instruction to make order payment; Among them, the payment interface response and interface call perform the following operations: make order payment to the merchant according to the payment information carried by the order payment instruction, or query the identity rights and interests of the user's payment account according to the user identifier carried by the order payment instruction, and make order payment to the merchant based on the identity rights and interests.

12. The order processing method based on near field communication according to claim 2, wherein after detecting the switching instruction of the near field payment page, the merchant device renders and switches to the scanning payment page carrying the payment code and the order amount; Accordingly, the method further includes: Scan the payment code and decode the payment code, jump to the merchant subprogram based on the decoding result and send the settlement information and the user identifier, so as to confirm the order and pay for the order in the merchant subprogram.

13. The order processing method based on near field communication according to claim 1, wherein the merchant device comprises: An NFC device configured with a display component and an NFC component; The NFC device inputs the settlement information through an installed third-party application, and the third-party application renders a near-field payment page by calling a near-field payment interface and sends the settlement information to the user terminal.

14. The method for processing an order based on near field communication according to claim 1, after the operation of receiving the settlement information sent by the merchant device through the near field communication connection is performed, and before the operation of sending the settlement information to the server is performed, further comprising: Entering an application program running the merchant subprogram; The identity credential page is displayed within the application; The application is configured with an access entry for accessing the credential storage space, and after the access entry is triggered, the credential information of the identity credential registered by the user at the merchant is queried and displayed.

15. An order processing method based on near field communication, applied to a server, the method comprising: Receiving settlement information sent by a user terminal; The settlement information is sent by the merchant device to the user terminal via the established near field communication connection; Performing identity credential query based on the user identifier and the merchant identifier included in the settlement information; According to the queried identity credential status of the user at the merchant, the identity credential data corresponding to the identity credential status is obtained and sent to the user terminal; Cooperate with the user terminal to process the identity certificate, so that the user terminal jumps to the merchant subroutine to confirm and pay the order after detecting the settlement instruction based on the identity certificate.

16. The method for processing an order based on near field communication according to claim 15, wherein the near field communication connection is established after the merchant device calls the near field communication component to detect the user terminal; The calling of the near field communication component is performed after the settlement information input through the settlement page is obtained and the near field payment page displaying the settlement information is rendered.

17. The method for processing an order based on near field communication according to claim 15, wherein if the identity credential status is a registered status, the step of obtaining the identity credential data corresponding to the identity credential status and sending the identity credential data to the user terminal comprises: Acquire the credential information of the identity credential registered by the user at the merchant, and the identity rights and interests associated with the identity credential, determine the registered user group created by the merchant for the registered user who registered the identity credential, and send the credential information, the identity rights and interests, and the registered user group to the user terminal; Accordingly, the cooperating with the user terminal to perform identity credential processing includes: If a participation request sent by the user terminal is received, adding the user to the registered user group; If a request for claiming the identity benefit sent by the user terminal is received, the identity benefit is associated with the identity certificate, or the identity benefit is allocated to the payment account of the user; If a login request is received from the user terminal after the login control configured on the credential interaction page is triggered, the login process of the identity credential is performed; and the settlement instruction is generated after the login process is successful.

18. The method for processing orders based on near field communication according to claim 15, if the identity credential status is unregistered, the identity credential data includes: The merchant's identity credential registration data; Accordingly, the cooperating with the user terminal to perform identity credential processing includes: If a credential registration request sent by the user terminal is received, registering the identity credential of the user at the merchant to obtain the identity credential; The identity rights and interests associated with the identity credential are queried and issued to the user terminal, so that the user terminal renders and displays the identity credential page based on the identity rights and interests; the settlement instruction is generated after the settlement control configured on the identity credential page is triggered.

19. An order processing method based on near field communication, applied to a merchant device, the method comprising: Obtaining the settlement information input through the settlement page, and rendering and displaying the near-field payment page of the settlement information; Calling a near field communication component to detect a user terminal and establishing a near field communication connection with the detected user terminal; The settlement information is sent to the user terminal through the near field communication connection, so that the user terminal cooperates with the server to process the identity credentials based on the settlement information, and jumps to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credentials in the merchant.

20. The method for processing an order based on near field communication according to claim 19, wherein the merchant device comprises an NFC device configured with a display component and an NFC component; The NFC device inputs the settlement information through an installed third-party application, and the third-party application renders a near-field payment page by calling a near-field payment interface and sends the settlement information to the user terminal.

21. An order processing device based on near field communication, running on a user terminal, the device comprising: The settlement information receiving module is configured to call the near field communication component to cooperate with the merchant's merchant device to establish a near field communication connection, and receive the settlement information sent by the merchant device through the near field communication connection; A settlement information sending module, configured to send the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the identity credential status of the user at the merchant; an identity credential page display module, configured to render and display a page according to the settlement information and the identity credential data issued by the server, and to cooperate with the server to perform identity credential processing based on the displayed identity credential page; If a settlement instruction based on the identity credential is detected, a subprogram jump module is executed, and the subprogram jump module is configured to jump to the merchant subprogram and send the settlement information and the user identifier, so as to perform order confirmation and order payment in the merchant subprogram.

22. An order processing device based on near field communication, running on a server, the device comprising: A settlement information receiving module, configured to receive settlement information sent by a user terminal; The settlement information is sent by the merchant device to the user terminal via the established near field communication connection; An identity credential query module, configured to query the identity credential based on the user identifier and the merchant identifier included in the settlement information; An identity credential data sending module is configured to obtain identity credential data corresponding to the identity credential status according to the queried identity credential status of the user in the merchant and send the identity credential data to the user terminal; The identity credential processing module is configured to cooperate with the user terminal to perform identity credential processing, so that the user terminal jumps to the merchant subroutine to perform order confirmation and order payment after detecting a settlement instruction based on the identity credential.

23. An order processing device based on near field communication, running on a merchant device, the device comprising: A settlement information acquisition module, configured to acquire settlement information input through a settlement page, and render and display a near-field payment page of the settlement information; A near field communication connection establishment module is configured to call a near field communication component to perform user terminal detection and establish a near field communication connection with the detected user terminal; The settlement information sending module is configured to send the settlement information to the user terminal through the near-field communication connection, so that the user terminal cooperates with the server to process the identity credentials based on the settlement information, and jumps to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credentials in the merchant.

24. An order processing device based on near field communication, comprising: processor; And, a memory configured to store computer-executable instructions, the processor executing the computer-executable instructions to implement the steps of the method described in claim 1 or 15 or 19.

25. A computer-readable storage medium for storing computer-executable instructions, which, when executed, implement the steps of the method of claim 1 or 15 or 19.

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