Payment method, device and storage medium

Abstract

One or more embodiments of the present specification provide a payment method, a payment device and a storage medium, wherein the payment device includes a near-field communication module. When the payment method is applied to the payment device, the minimum distance between a target device and the near-field communication module can be obtained, wherein the target device is a terminal device that approaches the payment device and triggers a payment operation; further, when it is determined that the minimum distance is less than or equal to a first preset distance, the near-field communication function of the near-field communication module can be enabled, wherein the first preset distance is less than the communication distance of the near-field communication module; based on this, payment can be made through the near-field communication module.

Description

Technical Field

[0001] One or more embodiments of the present specification relate to the field of payment technology, and in particular, to a payment method, device, and storage medium. Background Art

[0002] With the popularization of near field communication (NFC) technology, more and more mobile terminals (such as smartphones, smart watches, etc.) have NFC functions. NFC refers to the transmission of information through electromagnetic induction coupling in the radio frequency part of the spectrum. In terms of application, it is not only low-cost but also very convenient, especially in the field of payment. By using NFC technology on traditional payment devices such as card readers and card swipe machines, users only need to touch or bring the mobile terminal with NFC function close to the payment device to complete the payment. The whole process is simple and fast.

[0003] However, due to the diversification of payment methods, there may be interference recognition between NFC-based payment methods and other payment methods in the same payment device. Summary of the invention

[0004] One or more embodiments of the present specification provide a payment method, device, and storage medium to solve the problem of interference between a payment method based on an NFC function and other payment methods in a payment device.

[0005] In a first aspect, one or more embodiments of the present specification provide a payment method for a payment device, wherein the payment device includes a near-field communication module, and the method includes: obtaining a minimum distance between a target device and the near-field communication module; the target device is a terminal device that approaches the payment device and triggers a payment operation; when the minimum distance is less than or equal to a first preset distance, turning on the near-field communication function of the near-field communication module; the first preset distance is less than the communication distance of the near-field communication module; and making payment based on the near-field communication module.

[0006] In an optional embodiment, the near field communication module includes a sensor; obtaining the minimum distance between the target device and the near field communication module includes: obtaining the minimum distance between the target device and the near field communication module through the sensor.

[0007] In an optional embodiment, payment is made based on the near-field communication module, including: sending tag information containing payment access information to the target device through the near-field communication module, so that the target device sends an authorization request to the server associated with the payment access information based on the tag information; receiving payment identification information issued by the server based on the authorization request; the payment identification information includes the payment identification of the payment account corresponding to the target device; and initiating a payment request to the server according to the payment identification information to complete the payment.

[0008] In an optional embodiment, payment is made based on the near field communication module, including: sending tag information including payment access information and payment receipt identification information to the target device through the near field communication module, so that the target device sends a payment identification acquisition request to the server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server and completes the payment according to the information including the payment identification and the payment receipt identification information returned by the server based on the payment identification acquisition request.

[0009] In an optional embodiment, the payment device further includes a code scanning module, and the method further includes: when the minimum distance is greater than the first preset distance and the code scanning module is triggered, payment is made through the code scanning module.

[0010] In an optional embodiment, the first contact surface for near-field sensing in the near-field communication module and the second contact surface for code scanning sensing in the code scanning module are oriented in the same direction, and the two are separated in height by a second preset distance; the second preset distance is less than or equal to the communication distance of the near-field communication module, and the second preset distance is greater than the first preset distance.

[0011] In an optional embodiment, the first contact surface for near-field sensing in the near-field communication module is coplanar with the second contact surface for code scanning sensing in the code scanning module, and adjacent edges of the two are separated by a second preset distance; the second preset distance is less than or equal to the communication distance of the near-field communication module, and the second preset distance is greater than the first preset distance.

[0012] In an optional embodiment, when the payment device is facing the user for payment, the near field communication module is located at an end close to the user, and the code scanning module is located at an end far from the user.

[0013] In a second aspect, one or more embodiments of the present description provide a payment device, comprising: a near-field communication module and a processor; the processor is used to: obtain the minimum distance between a target device and the near-field communication module; the target device is a terminal device that approaches the payment device and triggers a payment operation; when the minimum distance is less than or equal to a first preset distance, the near-field communication function of the near-field communication module is turned on; the first preset distance is less than the communication distance of the near-field communication module; and payment is made based on the near-field communication module.

[0014] In an optional embodiment, the near field communication module includes a sensor; the processor obtains the minimum distance between the target device and the near field communication module, and is used for: the processor is used to obtain the minimum distance between the target device and the near field communication module through the sensor.

[0015] In an optional embodiment, the processor performs payment based on the near-field communication module, and is used to: send tag information containing payment access information to the target device through the near-field communication module, so that the target device sends an authorization request to the server associated with the payment access information based on the tag information; receive payment identification information issued by the server based on the authorization request; the payment identification information contains the payment identification of the payment account corresponding to the target device; initiate a payment request to the server according to the payment identification information to complete the payment.

[0016] In an optional embodiment, the processor performs payment based on the near-field communication module, and is used to: send tag information containing payment access information and payment receipt identification information to the target device through the near-field communication module, so that the target device sends a payment identification acquisition request to the server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server and completes the payment according to the information containing the payment identification and the payment receipt identification information returned by the server based on the payment identification acquisition request.

[0017] In an optional embodiment, the payment device further includes a code scanning module, and the processor is further configured to: perform payment through the code scanning module when the minimum distance is greater than the first preset distance and the code scanning module is triggered.

[0018] In an optional embodiment, the first contact surface for near-field sensing in the near-field communication module and the second contact surface for code scanning sensing in the code scanning module are oriented in the same direction, and the two are separated in height by a second preset distance; the second preset distance is less than or equal to the communication distance of the near-field communication module, and the second preset distance is greater than the first preset distance.

[0019] In an optional embodiment, the first contact surface for near-field sensing in the near-field communication module is coplanar with the second contact surface for code scanning sensing in the code scanning module, and adjacent edges of the two are separated by a second preset distance; the second preset distance is less than or equal to the communication distance of the near-field communication module, and the second preset distance is greater than the first preset distance.

[0020] In an optional embodiment, when the payment device is facing the user for payment, the near field communication module is located at an end close to the user, and the code scanning module is located at an end far from the user.

[0021] In a third aspect, one or more embodiments of the present specification further provide a computer-readable storage medium, wherein the computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed, the payment method of the first aspect described above is implemented.

[0022] In summary, the payment method provided in one or more embodiments of this specification is aimed at a payment device with a specific structure and supporting multiple payment methods including payment based on the NFC function. By setting a sensor in the near-field communication module of the payment device, it can be very simple and accurate to identify whether the minimum distance between the target device and the near-field communication module is less than or equal to the first preset distance, so as to determine whether the user wants to pay through the NFC function. Furthermore, controlling the turning on and off of the near-field communication function of the near-field communication module can effectively prevent the user from being misidentified by the near-field communication module when using other payment methods and making payments based on the NFC function, thereby interfering with the payment method originally used by the user. It can be seen that the payment method provided in one or more embodiments of this specification not only improves the accuracy of identifying payment methods while ensuring a low equipment cost, but also can very conveniently solve the problem of payment confusion caused by the interference between NFC-based payment methods and other payment methods. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions of one or more embodiments of the present specification, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of one or more embodiments of the present specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0024] Figure 1 A flow chart of a payment method provided for one or more embodiments of this specification;

[0025] Figure 2 A system architecture diagram of a payment system provided for one or more embodiments of this specification;

[0026] Figure 3 One or more embodiments of this specification provide a method for Figure 2 A schematic diagram of the structure of a payment device in a payment system;

[0027] Figure 4 A schematic diagram of a communication process corresponding to a payment process provided in one or more embodiments of this specification;

[0028] Figure 5 A schematic diagram of a communication process corresponding to another payment process provided in one or more embodiments of this specification;

[0029] Figure 6 A schematic diagram of a communication process corresponding to another payment process provided in one or more embodiments of this specification;

[0030] Figure 7 A schematic diagram of a communication process corresponding to another payment process provided in one or more embodiments of this specification;

[0031] Figure 8 A schematic diagram of a structure of a near field communication module and a code scanning module provided in a payment device according to one or more embodiments of this specification;

[0032] Fig. 9 A schematic diagram of another configuration method of a near field communication module and a code scanning module in a payment device provided in one or more embodiments of this specification;

[0033] Fig.10 A schematic diagram of another configuration method of a near field communication module and a code scanning module in a payment device provided in one or more embodiments of this specification;

[0034] Fig.11 A system architecture diagram of another payment system provided for one or more embodiments of this specification;

[0035] Fig.12 A structural block diagram of a payment device provided for one or more embodiments of this specification. DETAILED DESCRIPTION

[0036] One or more embodiments of the present invention are further described in detail below through the accompanying drawings and examples. Through these descriptions, the features and advantages of one or more embodiments of the present invention will become clearer and more specific.

[0037] The word "exemplary" is used exclusively herein to mean "serving as an example, embodiment, or illustration." Any embodiment described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments. Although various aspects of the embodiments are shown in the drawings, the drawings are not necessarily drawn to scale unless otherwise noted.

[0038] In addition, the technical features involved in different implementations of one or more embodiments of this specification described below can be combined with each other as long as they do not conflict with each other.

[0039] To facilitate understanding, the application scenarios of the technical solutions provided by one or more embodiments of this specification are first described below.

[0040] With the continuous development and popularization of Internet mobile payment technology, mobile payment has become the mainstream payment method in today's society. More and more mobile applications support mobile payment functions, such as code scanning payment and face recognition payment. In addition, given the low cost, easy application and high security of near field communication (NFC) technology, NFC technology has also been widely used in payment scenarios such as daily consumption and public transportation. For example, it has become increasingly common to use NFC technology on traditional card readers, POS (point of sales) machines and other payment devices to complete payment operations with mobile terminals (smartphones, smart watches, etc.) that support NFC functions. In addition, in order to improve the user's payment experience, many payment devices also support multiple mobile payment methods for users to choose flexibly. However, in diversified payment scenarios, for a payment device that supports both NFC and other payment methods (such as code scanning payment), there may be interference between payment methods. For example, when a user wants to scan a code to pay, the payment device may make payment based on the NFC function because the NFC function of the payment device is mistakenly triggered during the scanning process, thereby affecting the user's payment experience.

[0041] To this end, one or more embodiments of this specification provide a payment method, device and storage medium to improve the accuracy of the payment device in identifying the payment method based on the NFC function and avoid the poor user experience caused by payment method crosstalk.

[0042] It should be noted that in order to solve the problem that when a payment device supports multiple payment methods including a payment method based on the NFC function, the payment method based on the NFC function interferes with other payment methods, one or more embodiments of this specification take the two payment methods based on the NFC function and the QR code scanning payment as examples for explanation, but the application is not limited to this. In addition to the payment method based on the NFC function, which payment methods can the payment device support can be determined according to the actual functions of the payment device, which will not be elaborated here.

[0043] The payment method provided in one or more embodiments of this specification is described below with reference to the accompanying drawings.

[0044] Figure 1 A flowchart of a payment method provided in one or more embodiments of this specification, the payment method can be used for a payment device including a near field communication module. Figure 1 As shown, payment methods may include:

[0045] S102, obtaining a minimum distance between a target device and a near field communication module of a payment device, where the target device is a terminal device that approaches the payment device and triggers a payment operation;

[0046] S104, when the minimum distance is less than or equal to a first preset distance, enabling the near field communication function of the near field communication module, the first preset distance being less than the communication distance of the near field communication module;

[0047] S106: Make payment based on the near field communication module.

[0048] In one or more embodiments of the present specification, the above-mentioned payment method can be applied to a payment system, wherein the system architecture of the payment system and the execution functions of each device body therein are not limited. The system architecture described in one or more embodiments of the present specification is only an exemplary description. As long as it is a system architecture that is applicable to the above-mentioned payment method, it can be regarded as within the protection scope of one or more embodiments of the present specification and will not be elaborated here.

[0049] Optionally, Figure 2 A system architecture diagram of a payment system provided for one or more embodiments of this specification, such as Figure 2 As shown, the payment system may include a card reader 10, a payment device 20, and a server 30. The card reader 10 has a near field communication function and a code scanning function. In a consumer payment scenario, a user can use the card reader 10 to perform payment operations such as receiving and paying with the merchant's payment device 20; accordingly, the payment device 20 also has a near field communication function and a code scanning function. In a consumer payment scenario, a merchant can use the payment device 20 to perform payment operations such as receiving and paying with the user's card reader 10. In this process, the data processing operations involved in the payment process of the card reader 10 and the payment device 20 are completed by the server 30, that is, the card reader 10 and the payment device 20 can communicate with the server 30 through the network to obtain payment-related information required for the payment process from the server 30 to complete the payment.

[0050] It should be noted that in the above payment system, the specific form of the card reading device 10 is not limited. Optionally, it can be a mobile terminal with near field communication function and code scanning function, including but not limited to smart phones or smart watches. Correspondingly, the specific form of the payment device 20 is not limited. Optionally, it can be an electronic device with near field communication function and code scanning function, including but not limited to POS machine, smart payment terminal, payment box, etc. Further, the way in which the card reading device 10 and the payment device 20 communicate with the server 30 respectively through the network is not limited. It can be determined according to actual payment needs. In the subsequent embodiments, two optional ways will be exemplified. Please refer to the subsequent embodiments for details.

[0051] For ease of explanation, in one or more embodiments of this specification, the payment method implemented based on the near field communication function of the near field communication module is referred to as NFC-based payment, and the payment method implemented based on the code scanning function of the code scanning module is referred to as code scanning payment.

[0052] Figure 3 For application Figure 2 The structural diagram of the payment device 20 in the payment system is shown in FIG. Figure 3 As shown, the payment device 20 includes a near field communication module 21 and a code scanning module 22, wherein the near field communication module 21 and the code scanning module 22 are separated by a second preset distance, and the second preset distance is less than or equal to the communication distance of the near field communication module 21. That is to say, due to the structural design requirements of the payment device 20, the near field communication module 21 and the code scanning module 22 are arranged relatively close, so that the distance between the two (i.e., the second preset distance) is less than or equal to the communication distance of the near field communication module 21. In this case, when a card reader device 10 that needs to scan code payment approaches the near field communication module 21 or the code scanning module 22, the near field communication module 21 may recognize the card reader device 10 and perform NFC-based payment, which will interfere with the payment process that should be scanned code payment, resulting in payment method crosstalk.

[0053] For another example, the near-field communication module 21 and the code scanning module 22 are far apart, and the distance between the two is much greater than the communication distance of the near-field communication module 21. However, when the user uses the card reader 10 to scan the code to pay, he passes over the near-field communication module 21, and the minimum distance between the card reader 10 and the near-field communication module 21 is less than the communication distance of the near-field communication module 21. In this case, it may also trigger the payment device to perform NFC-based payment, thereby causing payment interference and affecting the user's payment experience.

[0054] Therefore, in order to solve the problem of payment method crosstalk caused by mutual interference between the near field communication module 21 and the code scanning module 22, as shown in FIG. Figure 3As shown, in the payment device 20 provided in one or more embodiments of the present specification, the near field communication module 21 may include a sensor 23, or in other words, the sensor 23 may be provided in the near field communication module 21 to monitor the use of the near field communication module 21. Optionally, the minimum distance between the target device 40 and the near field communication module 21 may be detected by the sensor 23 to determine whether the target device 40 needs to make a payment through the NFC function. Among them, the target device 40 refers to a terminal device that approaches the payment device and triggers a payment operation, that is, the target device 40 is about to perform a payment operation with the payment device 20 to complete the payment between the payee and the payer. It should be noted that the specific type of the sensor 23 is not limited, and optionally includes but is not limited to a proximity sensor, an infrared sensor, an ultrasonic sensor, a laser sensor, a millimeter wave radar sensor, etc. The specific type to be used can be flexibly selected according to actual needs.

[0055] It should be noted that, in addition to the above functional modules, Figure 3 As shown, the payment device 20 may also include a processor 24 for controlling the operation of the near-field communication module 21, the code scanning module 22, the sensor 23 and other functional modules. Accordingly, the above-mentioned payment method may be executed by the processor 24. Therefore, in subsequent embodiments, the execution principle of the payment method will be explained from the perspective of the processor 24 executing the above-mentioned payment method.

[0056] Based on the above, the processor 24 can obtain the sensing information collected by the sensor 23, and then, according to the acquired sensing information, determine the minimum distance between the target device 40 with NFC function and the near field communication module 21. Among them, the specific method for the processor 24 to obtain the sensing information is not limited. In an optional manner, the processor 24 actively obtains the sensing information collected by the sensor 23. In this case, the processor 24 can continuously monitor whether the sensor 23 has collected the sensing information, and when it is detected that the sensor 23 has collected the sensing information, the processor 24 obtains the sensing information collected from the sensor 23. In another optional manner, the sensor 23 actively reports the collected sensing information to the processor 24. In this case, after collecting the sensing information, the sensor 23 directly sends the collected sensing information to the processor 24.

[0057] It should be noted that, no matter which acquisition method is adopted, after the processor 24 acquires the sensing information collected by the sensor 23, it can determine the minimum distance between the target device 40 and the near field communication module 21 according to the acquired sensing information. It should be understood that the sensing information acquired by the processor 24 from the sensor 23 may include sensing information acquired multiple times, that is, the processor 24 can determine the minimum distance between the target device 40 and the near field communication module 21 according to the sensing information acquired from the sensor 23 multiple times.

[0058] In an optional manner, after the processor 24 determines the minimum distance between the target device 40 and the near-field communication module 21, it can determine whether the minimum distance is less than or equal to the first preset distance. Among them, the first preset distance is less than the communication distance of the near-field communication module 21. When the minimum distance is less than or equal to the first preset distance, the near-field communication function of the near-field communication module 21 is turned on. In other words, when the payment device 20 is in standby mode, the near-field communication function of the near-field communication module 21 remains in a closed state. Only when there is a target device 40 close to the payment device 20 and the minimum distance between the target device 40 and the near-field communication module 21 is less than or equal to the first preset distance, the processor 24 will turn on the near-field communication function of the near-field communication module 21. In other cases, the near-field communication function of the near-field communication module 21 remains in a closed state. After turning on the near-field communication function of the near-field communication module 21, the processor 24 can make payments based on the near-field communication module 21.

[0059] Optionally, the first preset distance can be set according to the needs of the actual application scenario. For example, in order to avoid the impact of NFC on other payment methods to the greatest extent, the first preset distance can be set small enough. For example, the first preset distance can be set to 30% or 20% of the communication distance of the near field communication module 21, or a smaller percentage. For example, the first preset distance can be set to 10 millimeters (mm). In this way, for the payment device 20 with NFC function, setting a sufficiently small first preset distance can avoid the crosstalk between the NFC-based payment method and other payment methods to the greatest extent, and improve the user experience. It should be understood that for the payment device 20 that only includes the near field communication module 21, payment in the above manner can also avoid the problem of erroneous payment caused by user misoperation, which can ensure the user's payment security and improve the user's payment experience.

[0060] The communication distance of the NFC module 21 refers to the maximum distance for the NFC module 21 to establish effective communication with other devices. In other words, if the distance between the NFC module 21 and other devices is greater than the communication distance of the NFC module 21, effective communication cannot be established between the NFC module 21 and other devices.

[0061] In another optional manner, the first preset distance is smaller than the second preset distance. In this case, when the near field communication module 21 and the code scanning module 22 are close to each other, the first preset distance can be set to be smaller than the distance between the two to avoid crosstalk between the payment method based on the NFC function and the code scanning payment method, thereby ensuring the user's payment experience. The setting of the first preset distance can refer to the contents of the aforementioned embodiment, which will not be repeated here.

[0062] Based on the above, when the processor 24 determines that the minimum distance between the target device 40 and the near field communication module 21 is less than or equal to the first preset distance based on the acquired sensing information, the processor 24 can determine that the target device 40 needs to make a payment based on the NFC function, and the processor 24 can turn on the near field communication function of the near field communication module 21, and then make a payment based on the NFC function based on the near field communication module 21. Among them, the specific process of the processor 24 making a payment based on the NFC function based on the near field communication module 21 is not limited, and the process of making a payment based on the NFC function may also be different according to the role and processing function of the payment device 20 in the payment system. Optionally, in the following embodiments, for the corresponding roles of the target device 40 and the payment device 20 in the payment system, the target device 40 is taken as the payer and the payment device 20 is taken as the payee as an example, and for the processing functions respectively performed by the target device 40 and the payment device 20 in the payment system, the payment device 20 and the target device 40 respectively initiate payment requests as an example, and the process of making a payment based on the NFC function is described.

[0063] In an optional embodiment, the payment request is initiated by the payment device 20 .

[0064] Figure 4 A communication process diagram corresponding to the above payment process is shown in FIG. Figure 4 As shown, in this embodiment, the payment request is initiated by the payment device 20. In this case, the payment device 20 can send tag information containing payment access information to the target device 40 through the near field communication module 21, so that the target device 40 can send an authorization request to the server 30 associated with the payment access information based on the tag information. After receiving the authorization request sent by the target device 40, the server 30 can issue payment identification information to the processor 24 of the payment device 20. The payment identification information may include the payment identification (such as payment code, etc.) of the payment account corresponding to the target device 40. It should be understood that the payment identification information may also include other information, such as payment account information. After receiving the payment identification information issued by the server 30, the processor 24 can initiate a payment request to the server 30 according to the payment identification information to complete the payment.

[0065] In this embodiment, the specific content of the payment access information sent by the payment device 20 to the target device 40 is not limited. Optionally, the payment access information includes but is not limited to the link information for starting the payment application and the identification information of the payment device 20. Based on this, the target device 40 can start the corresponding payment application according to the link information, and initiate an authorization request to the server 30 based on the corresponding payment application. Optionally, the authorization request can carry the identification information corresponding to the target device 40 and the payment device 20, so that the server 30 can grant the payment authority according to the identification information of the two. Among them, the specific content of the identification information corresponding to the target device 40 and the payment device 20 is not limited. Optionally, the identification information of the target device 40 can be the account identification of the payment account corresponding to the target device 40 or the user identification for logging into the corresponding payment application; accordingly, the identification information corresponding to the payment device 20 can be the account identification of the payment account corresponding to the payment device 20 or the merchant identification bound to the payment device 20, and so on.

[0066] In this embodiment, the account identification of the payment account corresponding to the target device 40 and the account identification of the payment account corresponding to the payment device 20 are respectively taken as the identification information for description.

[0067] Further optionally, if Figure 5 As shown, before the target device 40 initiates an authorization request to the server 30 based on the corresponding payment application, it can also send a page acquisition request to the server 30 based on the payment application, wherein the page acquisition request at least includes the identification information corresponding to the target device 40 and the payment device 20, respectively, so that the server 30 can determine the transaction parties, generate payment page information containing the information of the transaction parties, and return it to the target device 40. Based on this, after receiving the payment page information returned by the server 30, the target device 40 can render the corresponding payment page according to the payment page information and display it to the user. After the user enters the corresponding payment amount in the corresponding payment page, the target device 40 can initiate an authorization request to the server 30 based on the payment page after the payment amount is filled.

[0068] Based on this, after receiving the authorization request initiated by the target device 40, the server 30 can determine the payment identifier (for example, payment code) of the payment account corresponding to the target device 40 according to the identification information of the target device 40 carried in the authorization request. Further, the server 30 can issue payment identification information containing the above payment identifier to the processor 24 of the payment device 20, so that the processor 24 can initiate a payment request to the server 30 based on the above payment identifier. Optionally, the payment request can carry the above payment identifier and the account identifier of the payment account corresponding to the payment device 20. Based on this, the server 30 can determine the corresponding payment identifier (for example, payment code) according to the account identifier of the payment account corresponding to the payment device 20, and then, according to the above payment identifier and payment identifier, perform a deduction operation on the payment account corresponding to the target device 40, and perform a transfer operation to the payment account corresponding to the payment device 20, so as to complete the payment process.

[0069] In another alternative embodiment, the payment request is initiated by the target device.

[0070] Figure 6 Another communication process diagram corresponding to the payment process is shown in FIG. Figure 6 As shown, in this embodiment, the payment request is initiated by the target device 40. In this case, the payment device 20 can send tag information containing payment access information and collection identification information to the target device 40 through the near field communication module 21, so that the target device 40 can send a payment identification acquisition request to the server 30 associated with the payment access information based on the tag information. After receiving the payment identification acquisition request sent by the target device 40, the server 30 can return information containing the payment identification to the target device 40 based on the payment identification acquisition request, so that after receiving the information containing the payment identification returned by the server 30, the target device 40 can initiate a payment request to the server 30 according to the information containing the payment identification and the collection identification information to complete the payment. Among them, the tag information can be pre-written into the near field communication module 21 of the payment device 20, that is, the near field communication module 21 can be used as a tag. Alternatively, the merchant can also send the tag information to the processor 24 of the payment device 20 through the merchant device, and transmit it to the near field communication module 21 through the processor 24. The specific method adopted is optional depending on the application scenario, and this application does not limit this.

[0071] Accordingly, the payment access information sent by the payment device 20 to the target device 40 via the near field communication module 21 includes but is not limited to the link information for starting the payment application and the identification information of the payment device 20. Based on this, the target device 40 can start the corresponding payment application according to the link information, and initiate a payment identification acquisition request to the server 30 based on the corresponding payment application. Further optionally, as Figure 7As shown, before the target device 40 initiates a payment identification acquisition request to the server 30 based on the corresponding payment application, it can also send a page acquisition request to the server 30 based on the payment application to obtain payment page information containing information of both parties to the transaction from the server 30, and then render it into a corresponding payment page for display, so that the user can enter the corresponding payment amount in the corresponding payment page, and initiate a payment identification acquisition request to the server 30 based on the payment page after the payment amount is filled in.

[0072] Based on this, after receiving the payment identification acquisition request initiated by the target device 40, the server 30 can determine the payment identification (for example, payment code) of the payment account corresponding to the target device 40 according to the identification information corresponding to the target device 40 carried in the payment identification acquisition request. Further, the server 30 can issue the information containing the above payment identification to the target device 40, based on which the target device 40 can initiate a payment request to the server 30 based on the above information containing the payment identification and the payment receipt identification information. Optionally, after receiving the payment request, the server 30 can determine the payment receipt identification (for example, payment receipt code) of the payment account corresponding to the payment device 20 according to the payment receipt identification information, and then, the server 30 can perform a deduction operation on the payment account corresponding to the target device 40 according to the aforementioned payment identification and payment receipt identification, and perform a transfer operation to the payment account corresponding to the payment device 20, to complete the payment process.

[0073] The payment identification information may include identification information corresponding to the payment device, and the server may determine the payment identification of the payment account corresponding to the payment device 20 according to the identification information corresponding to the payment device. It should be understood that the payment identification information may also include other information, such as identification information of the payment account corresponding to the payment device.

[0074] It should be noted that, regarding the specific forms of the identification information corresponding to the target device 40 and the payment device 20 in this embodiment, reference can also be made to the description of the above embodiment, which will not be repeated here.

[0075] In the above embodiment, the communication process of the payment request initiated by the payment device 20 or the target device 40 and the various information carried in the entire communication process are only exemplary and are not limited to this in actual applications. For example, in the case where the payment request is initiated by the target device 40, after receiving the tag information sent by the payment device 20 through the near field communication module 21, the target device 40 may not make a payment identification acquisition request, but directly send a payment request to the server 30 after starting the corresponding payment application. The payment request may carry the identification information corresponding to the payment device 20 and the target device 40 respectively. Based on this, after receiving the payment request, the server 30 can directly determine the payment identification (for example, payment code) of the payment account corresponding to the target device 40 and the collection identification (for example, collection code) of the payment account corresponding to the payment device 20 according to the identification information corresponding to the target device 40 and the payment device 20 respectively carried in the payment request. Then, according to the payment identification and collection identification, the payment account corresponding to the target device 40 is deducted, and the payment account corresponding to the payment device 20 is transferred to complete the payment process.

[0076] It should be further explained that in one or more embodiments of this specification, the arrangement of the near field communication module 21 and the code scanning module 22 is not limited for the payment device 20. In practical applications, it can be flexibly arranged according to the structural design requirements of the payment device 20. Below, the relative positional relationship between the near field communication module 21 and the code scanning module 22 in the payment device 20 is described by taking the three arrangement methods applicable to the principle of the above-mentioned payment method as an example.

[0077] Figure 8 FIG. 2 is a schematic diagram of a configuration method of the near field communication module 21 and the code scanning module 22 in the payment device 20. Figure 8 As shown, in this embodiment, the first contact surface 210 for near field sensing in the near field communication module 21 and the second contact surface 220 for scanning code sensing in the code scanning module 22 are oriented in the same direction, and the two are separated in height by a second preset distance. In this setting, if the user presents a payment code (such as a payment code) through a card reader device and wants to complete the scanning code payment through the second contact surface 220, when the card reader device is moved close to the second contact surface 220 from above the first contact surface 210, or when the card reader device stays above the second contact surface 220, since the second preset distance in height between the first contact surface 210 and the second contact surface 220 is less than or equal to the communication distance of the near field communication module 21, if the near field communication function of the near field communication module 21 is turned on, the card reader device may be detected and used as a target device to perform payment based on the NFC function. If the code scanning module 22 also senses the payment code above the second contact surface 220, it will cause confusion in the payment method.

[0078] Therefore, by setting a sensor in the near-field communication module 21 to collect sensing information above the first contact surface 210, based on the collected sensing information, the near-field communication function of the near-field communication module 21 is turned on and payment based on the NFC function is performed only when it is determined that there is a card reader device within a first preset distance above the first contact surface 210, thereby effectively solving the problem of confusing payment methods.

[0079] Fig. 9 FIG. 2 is a schematic diagram of another configuration of the near field communication module 21 and the code scanning module 22 in the payment device 20. Fig. 9 As shown, in this embodiment, the first contact surface 210 for near field sensing in the near field communication module 21 and the second contact surface 220 for scanning code sensing in the code scanning module 22 are coplanar, and the adjacent edges of the two are separated by a second preset distance. In this setting, if the user presents the payment code through the card reader device and wants to complete the scanning code payment through the second contact surface 220, when the card reader device is moved close to the second contact surface 220 from above the first contact surface 210, or when the card reader device stays above the second contact surface 220, since the second preset distance between the adjacent edges of the first contact surface 210 and the second contact surface 220 is less than or equal to the communication distance of the near field communication module 21, if the near field communication function of the near field communication module 21 is turned on at this time, the card reader device may be detected and used as the target device to perform payment based on the NFC function. If the code scanning module 22 also senses the payment code above the second contact surface 220, it will cause confusion in the payment method.

[0080] Therefore, by setting a sensor in the near-field communication module 21 to collect sensing information above and around the first contact surface 210, based on the collected sensing information, the near-field communication function of the near-field communication module 21 is turned on and payment based on the NFC function is performed only when it is determined that there is a card reader device within a first preset distance from the first contact surface 210, thereby effectively solving the problem of confusing payment methods.

[0081] In actual application scenarios, since payment based on the NFC function is more convenient than payment by scanning a code, when designing the structure of the payment device 20, it can be specifically designed to facilitate users to use the device structure based on the NFC function payment. Based on this, Fig.10 Another structural diagram of the near field communication module 21 and the code scanning module 22 in the payment device 20 is provided. Fig.10 As shown, in this embodiment, when the payment device 20 is used for payment by the user, the near field communication module 21 is located at the end close to the user, and the code scanning module 22 is located at the end away from the user, so as to facilitate the user to make payments based on the NFC function first.

[0082] It should be noted that, in this embodiment, the relative height relationship between the first contact surface 210 for near field sensing and the second contact surface 220 for code scanning sensing is not limited. Optionally, the first contact surface 210 may be lower than the second contact surface 220 by a second preset distance, or the two may have the same height but the adjacent edges may be separated by a second preset distance, or the first contact surface 210 may be higher than the second contact surface 220. As long as the relative position relationship that the near field communication module 21 is located at the end close to the user and the code scanning module 22 is located at the end far from the user is met, this embodiment is applicable.

[0083] In this embodiment, the first contact surface 210 is lower than the second contact surface 220 by a second preset distance as an example for illustration. In this setting, if the user presents a payment code (such as a payment code) through a card reader and wants to complete the scan code payment through the second contact surface 220, when the card reader is moving from above the first contact surface 210 to the second contact surface 220, or when the card reader stays above the second contact surface 220, since the second preset distance between the first contact surface 210 and the second contact surface 220 in height is less than or equal to the communication distance of the near-field communication module 21, if the near-field communication function of the near-field communication module 21 is turned on at this time, the card reader may be monitored and used as a target device to perform payment based on the NFC function. If the code scanning module 22 also senses the payment code above the second contact surface 220, it will cause confusion in the payment method.

[0084] Therefore, by setting a sensor in the near-field communication module 21 to collect sensing information above the first contact surface 210, the near-field communication function is enabled and payment based on the NFC function is performed only when it is determined that there is a card reader within a first preset distance above the first contact surface 210 according to the collected sensing information, thereby effectively solving the problem of confusing payment methods.

[0085] It should be noted that Figure 8-Figure 10 The structure shown is only an exemplary description. For the specific communication process of the corresponding payment device in use, please refer to the description in the above embodiment, which will not be repeated here.

[0086] It should be further explained that, in one or more of the above-mentioned embodiments, there is no limitation on the relationship between the near-field communication module 21 and the code scanning module 22 and the payment device 20. It can be understood that, in the above-mentioned one or more embodiments, the near-field communication module 21 and the code scanning module 22 are integrated into the payment device 20 as an example, but it is not limited to this in actual application.

[0087] Optionally, Fig.11 A system architecture diagram of another payment system provided in the embodiments of this specification, such as Fig.11As shown, the near field communication module 21 and the code scanning module 22 are independent of the payment device 20 and are configured as a payment tag 50 associated with the payment device 20, and the payment tag 50 only has an identification function. Based on this, after the payment tag 50 recognizes that there is a card reader device 10 that needs to make a payment based on the NFC function, it can send tag information to the card reader device 10. Further, if the payment request is initiated by the payment device 20, the server 30 can obtain the payment identification information through the payment identification information initiated by the card reader device 10 to the payment device 20 associated with the payment tag 50, so that the payment device 20 can initiate a payment request based on the payment identification information and complete the payment. It should be understood that in this embodiment, the card reader device 10 can be the target device 40. In addition, with respect to Fig.11 The communication process among the payment device 20, the card reading device 10 and the server 30 in the payment system shown can be referred to the description of the above embodiment, which will not be repeated here.

[0088] In one or more of the above implementations, the target device 40 is used as the payee and the payment device 20 is used as the payee as an example to illustrate the execution principle of the payment method. However, in actual applications, the target device 40 can also be used as the payee, and accordingly, the payment device 20 can be used as the payee. In this case, the communication process between the payment device 20, the target device 40 and the server 30 is similar to the communication process when the target device 40 is used as the payee and the payment device 20 is used as the payee. For the specific process, please refer to the above embodiments.

[0089] In one or more embodiments of the present specification, when it is determined that the minimum distance between the target device 40 and the near-field communication module 21 is greater than the first preset distance, in addition to keeping the near-field communication function of the near-field communication module 21 turned off, if it is determined that the code scanning module 22 is triggered, code scanning payment is performed through the code scanning module 22. For the specific process of code scanning payment, please refer to the general implementation method of code scanning payment, which will not be described in detail here.

[0090] Of course, when controlling the on and off of the near field communication function of the near field communication module 21, in addition to identifying whether the minimum distance between the target device 40 and the near field communication module 21 is less than or equal to the first preset distance, the on and off of the near field communication function of the near field communication module 21 can also be controlled in combination with whether the code scanning module 22 is triggered to further improve the accuracy of identifying the payment method. For example, when it is determined that the minimum distance between the target device 40 and the near field communication module 21 is less than or equal to the first preset distance by one or more of the above embodiments, it is further determined whether the code scanning module 22 recognizes the payment code. If the code scanning module 22 recognizes the payment code, it means that the user wants to use the code scanning payment, then the near field communication function of the near field communication module 21 is kept off, that is, only when it is identified that the minimum distance between the target device 40 and the near field communication module 21 is less than or equal to the first preset distance, and the code scanning module 22 is not triggered, the near field communication function of the near field communication module 21 will be turned on to improve the recognition accuracy.

[0091] In summary, the payment method provided in one or more embodiments of this specification is aimed at a payment device with a specific structure and supporting multiple payment methods including payment based on the NFC function. By setting a sensor in the near-field communication module of the payment device, it can be very simple and accurate to identify whether the minimum distance between the target device and the near-field communication module is less than or equal to the first preset distance, so as to determine whether the user wants to pay through the NFC function. Furthermore, controlling the turning on and off of the near-field communication function of the near-field communication module can effectively prevent the user from being misidentified by the near-field communication module when using other payment methods and making payments based on the NFC function, thereby interfering with the payment method originally used by the user. It can be seen that the payment method provided in one or more embodiments of this specification not only improves the accuracy of identifying payment methods while ensuring a low equipment cost, but also can very conveniently solve the problem of payment confusion caused by the interference between NFC-based payment methods and other payment methods.

[0092] It can be understood that the above embodiments are only examples and can be modified in actual implementation. Those skilled in the art can understand that the modification methods of the above embodiments without creative labor fall within the protection scope of one or more embodiments of this specification and will not be repeated in the embodiments.

[0093] Based on the same inventive concept, one or more embodiments of this specification also provide a payment device, such as Fig.12 As shown, the payment device 300 may include a near field communication module 301 and a processor 302, wherein the processor 302 performs the following operations:

[0094] Obtain the minimum distance between the target device and the near-field communication module 301; wherein the target device is a terminal device that approaches the payment device 300 and triggers a payment operation; when the minimum distance is less than or equal to a first preset distance, turn on the near-field communication function of the near-field communication module 301; wherein the first preset distance is less than the communication distance of the near-field communication module 301; and make payment based on the near-field communication module 301.

[0095] In an alternative embodiment, if Fig.12 As shown, the near field communication module 301 includes a sensor 303 ; the processor 302 obtains the minimum distance between the target device and the near field communication module 301 , and is used for: the processor 301 is used to obtain the minimum distance between the target device and the near field communication module 301 through the sensor 303 .

[0096] In an optional embodiment, the processor 302 performs payment based on the near field communication module 301, and is used to: send tag information containing payment access information to the target device through the near field communication module 301, so that the target device can send an authorization request to the server associated with the payment access information based on the tag information; receive payment identification information issued by the server based on the authorization request, wherein the payment identification information includes the payment identification of the payment account corresponding to the target device; initiate a payment request to the server according to the payment identification information to complete the payment.

[0097] In an optional embodiment, the processor 302 performs payment based on the near field communication module 301, and is used to: send tag information containing payment access information and collection identification information to the target device through the near field communication module 301, so that the target device sends a payment identification acquisition request to the server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server and completes the payment according to the information containing the payment identification and the collection identification information returned by the server based on the payment identification acquisition request.

[0098] In an alternative embodiment, if Fig.12 As shown, the payment device 300 further includes a code scanning module 304 , and the processor 302 is further configured to: perform payment through the code scanning module 304 when the minimum distance is greater than a first preset distance and the code scanning module 304 is triggered.

[0099] In an optional embodiment, the first contact surface for near-field sensing in the near-field communication module 301 and the second contact surface for code scanning sensing in the code scanning module 304 are oriented in the same direction, and the two are separated in height by a second preset distance; wherein the second preset distance is less than or equal to the communication distance of the near-field communication module 301, and the second preset distance is greater than the first preset distance.

[0100] In an optional embodiment, the first contact surface for near-field sensing in the near-field communication module 301 is coplanar with the second contact surface for code scanning sensing in the code scanning module 304, and adjacent edges of the two are separated by a second preset distance; wherein the second preset distance is less than or equal to the communication distance of the near-field communication module 301, and the second preset distance is greater than the first preset distance.

[0101] In an optional embodiment, when the payment device 300 is facing the user for payment, the near field communication module 301 is located at an end close to the user, and the code scanning module 304 is located at an end far from the user.

[0102] It should be noted that the functional principles of each component in the above payment device are the same as the implementation principles of the corresponding steps in the above payment method. For details, please refer to the description of the corresponding parts in the above method embodiment, which will not be repeated here. In addition, the specific structure of the payment device 300 can also refer to the structure of the payment device in the above embodiment.

[0103] In some optional implementations, the processor 302 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor device and / or logic device, which receives inputs and controls the operation of various components of the payment device 300.

[0104] It is worth noting that Fig.12 The components shown are exemplary, and other types of structures may be used to supplement or replace the structure to implement telecommunication functions or other functions. Of course, the payment device 300 does not necessarily have to include Fig.12 In addition, the payment device 300 may also include Fig.12 For components not shown, reference may be made to the prior art.

[0105] In some optional implementations, the payment device 300 may also include: a memory, a communication module, an input unit, an audio processor, a display, a power supply and other components.

[0106] The memory may be coupled to the processor 302, and the memory may be one or more of a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory, or other suitable devices. The program for storing the above-mentioned information related to the payment method execution may be stored. The processor 302 may execute the program stored in the memory to implement information storage or processing, etc.

[0107] The memory may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory may also be some other type of device. The memory includes a buffer memory (sometimes referred to as a buffer). The memory may include an application / function storage unit for storing application programs and function programs or processes for executing the operation of the payment device 300 through the processor 302.

[0108] The memory may also include a data storage unit for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the payment device. The driver storage unit of the memory may include various drivers for the communication function of the computer device and / or for executing other functions of the computer device (such as a messaging application, a contact book application, etc.).

[0109] The input unit can provide input to the processor 302. The input unit is, for example, a key or a touch input device. The power supply can be used to provide power to the payment device 300. The display can be used to display display objects such as images and text. The display can be, for example, an LCD display, but is not limited thereto.

[0110] The communication module is a transmitter / receiver that sends and receives signals via an antenna. The communication module (transmitter / receiver) is coupled to the processor 302 to provide input signals and receive output signals, which may be the same as in a conventional mobile communication terminal.

[0111] Based on different communication technologies, multiple communication modules may be provided in the same computer device, such as a cellular network module, a Bluetooth module and / or a wireless local area network module, etc. The communication module (transmitter / receiver) is also coupled to a speaker and a microphone via an audio processor to provide an audio output via the speaker and receive an audio input from the microphone, thereby realizing a common telecommunication function. The audio processor may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor is also coupled to the processor 302, so that recording can be performed on the machine through the microphone, and the sound stored on the machine can be played through the speaker.

[0112] One or more embodiments of this specification also provide a computer-readable storage medium capable of implementing all the steps in the payment method in the above embodiment. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, all the steps in the payment method in the above embodiment are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0113] Obtaining the minimum distance between the target device and the near field communication module, wherein the target device is a terminal device that approaches the payment device and triggers a payment operation;

[0114] When the minimum distance is less than or equal to a first preset distance, the near field communication function of the near field communication module is turned on, wherein the first preset distance is less than the communication distance of the near field communication module;

[0115] Payment is made based on the near field communication module.

[0116] Although one or more embodiments of this specification provide method operation steps such as embodiments or flowcharts, more or fewer operation steps may be included based on conventional or non-creative work. The order of steps listed in the embodiments is only one way of executing the order of many steps and does not represent the only execution order. When the actual device or client product is executed, it can be executed in the order of the method shown in the embodiments or the drawings or in parallel (for example, in a parallel processor or multi-threaded processing environment).

[0117] Those skilled in the art should understand that the embodiments of this specification may be provided as methods, devices (systems) or computer program products. Therefore, the 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, one or more embodiments of 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 codes.

[0118] One or more embodiments of this specification are described with reference to flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to one or more 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 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 generate 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.

[0119] 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.

[0120] 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 The steps for the functions specified in one or more boxes.

[0121] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device and system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiments.

[0122] In this article, relational terms such as first and second, etc. are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also includes other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. For those of ordinary skill in the art, the specific meaning of the above terms in one or more embodiments of this specification can be understood according to the specific circumstances.

[0123] It should be noted that, in the absence of conflict, one or more embodiments of this specification and the features in the embodiments may be combined with each other. One or more embodiments of this specification are not limited to any single aspect, nor to any single embodiment, nor to any combination and / or replacement of these aspects and / or embodiments. Moreover, each aspect and / or embodiment of one or more embodiments of this specification may be used alone or in combination with one or more other aspects and / or embodiments thereof.

[0124] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of one or more embodiments of this specification, rather than to limit them. Although one or more embodiments of this specification are described in detail with reference to the aforementioned embodiments, a person of ordinary skill in the art should understand that the technical solutions described in the aforementioned embodiments can still be modified, or some or all of the technical features therein can be replaced by equivalents. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of one or more embodiments of this specification, and they should all be included in the scope of one or more embodiments of this specification.

[0125] One or more embodiments of this specification are described above in conjunction with optional implementation methods, but these implementation methods are only exemplary and serve only as an illustration. On this basis, multiple replacements and improvements can be made to one or more embodiments of this specification, all of which fall within the scope of protection of one or more embodiments of this specification.

Claims

1. A payment method, characterized in that: For a payment device, the payment device includes a near field communication module and a code scanning module, a first contact surface for near field sensing in the near field communication module and a second contact surface for code scanning sensing in the code scanning module are oriented in the same direction, the second contact surface is higher than the first contact surface by a second preset distance, and the second preset distance is less than or equal to the communication distance of the near field communication module; The method comprises: Acquiring a minimum distance between a target device and the near field communication module; the target device is a terminal device that approaches the payment device and triggers a payment operation; When the minimum distance is less than or equal to a first preset distance, the near field communication function of the near field communication module is turned on; the first preset distance is less than the second preset distance; Payment is performed based on the near field communication module.

2. The method according to claim 1, characterized in that The near field communication module includes a sensor; Obtaining the minimum distance between the target device and the near field communication module, including: The minimum distance between the target device and the near field communication module is acquired through the sensor.

3. The method according to claim 1 or 2, characterized in that: The payment is performed based on the near field communication module, including: Sending tag information including payment access information to the target device through the near field communication module, so that the target device sends an authorization request to the server associated with the payment access information based on the tag information; Receiving payment identification information issued by the server based on the authorization request; the payment identification information includes a payment identification of a payment account corresponding to the target device; A payment request is initiated to the server according to the payment identification information to complete the payment.

4. The method according to claim 1 or 2, characterized in that: The payment is performed based on the near field communication module, including: Tag information containing payment access information and payment receipt identification information is sent to the target device through the near field communication module, so that the target device sends a payment identification acquisition request to the server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server and completes the payment according to the information containing the payment identification and the payment receipt identification information returned by the server based on the payment identification acquisition request.

5. The method according to claim 1 or 2, characterized in that: The payment device further includes a code scanning module, and the method further includes: When the minimum distance is greater than the first preset distance and the code scanning module is triggered, payment is performed through the code scanning module.

6. The method according to claim 5, characterized in that When the payment device is directed toward a user for payment, the near field communication module is located at an end close to the user, and the code scanning module is located at an end far from the user.

7. A payment device, characterized in that: include: A near field communication module, a code scanning module and a processor; a first contact surface for near field sensing in the near field communication module and a second contact surface for code scanning sensing in the code scanning module are oriented in the same direction, the second contact surface is higher than the first contact surface by a second preset distance, and the second preset distance is less than or equal to the communication distance of the near field communication module; The processor is used to: Acquiring a minimum distance between a target device and the near field communication module; the target device is a terminal device that approaches the payment device and triggers a payment operation; When the minimum distance is less than or equal to a first preset distance, the near field communication function of the near field communication module is turned on; the first preset distance is less than the second preset distance; Payment is performed based on the near field communication module.

8. The payment device according to claim 7, characterized in that: The near field communication module includes a sensor; The processor obtains the minimum distance between the target device and the near field communication module, for: The processor is used to obtain the minimum distance between the target device and the near field communication module through the sensor.

9. The payment device according to claim 7 or 8, characterized in that: The processor performs payment based on the near field communication module, and is used for: Sending tag information including payment access information to the target device through the near field communication module, so that the target device sends an authorization request to the server associated with the payment access information based on the tag information; Receiving payment identification information issued by the server based on the authorization request; the payment identification information includes a payment identification of a payment account corresponding to the target device; A payment request is initiated to the server according to the payment identification information to complete the payment.

10. The payment device according to claim 7 or 8, characterized in that: The processor performs payment based on the near field communication module, and is used for: Tag information containing payment access information and payment receipt identification information is sent to the target device through the near field communication module, so that the target device sends a payment identification acquisition request to the server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server and completes the payment according to the information containing the payment identification and the payment receipt identification information returned by the server based on the payment identification acquisition request.

11. The payment device according to claim 7 or 8, characterized in that: The processor is further configured to: When the minimum distance is greater than the first preset distance and the code scanning module is triggered, payment is performed through the code scanning module.

12. The payment device according to claim 11, characterized in that: When the payment device is directed toward a user for payment, the near field communication module is located at an end close to the user, and the code scanning module is located at an end far from the user.

13. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, which, when executed, implement the method described in any one of claims 1 to 6.

Images