Payment method, device and equipment and computer readable storage medium

Abstract

The invention discloses a payment method, device and equipment and a computer readable storage medium. The method comprises the following steps: acquiring card information of a payment card and equipment information of payment equipment under the condition that a communication connection is established between the payment card and the payment equipment; generating instant payment account information according to the card information and the equipment information; receiving a first input of a user to a target payment application in the payment device; in response to the first input, acquiring a graphic code for payment; obtaining transaction information corresponding to the graphic code; and sending the instant payment account information and the transaction information to a transaction platform, so that the transaction platform performs transaction settlement based on the instant payment account information and the transaction information. According to the payment method provided by the embodiment of the invention, the problem that the payment mode is not matched with the collection mode can be solved, and the payment experience of the user is ensured.

Description

Technical Field

[0001] The present application belongs to the field of payment technology, and in particular, relates to a payment method, device, equipment and computer-readable storage medium. Background Art

[0002] With the development of science and technology, the application of scanning code payment is becoming more and more widespread. At present, more and more merchants tend to provide payment graphics codes or scanning code scanning machines for scanning payment graphics codes, so that users can pay by scanning the merchant's payment graphics code or providing the merchant with the payment graphics code.

[0003] If users want to pay by scanning code, they often need to download the payment wallet software first, then complete the account registration and real-name authentication, and then complete the card binding through the card issuing bank authorization and SMS dynamic verification process to activate the scanning code payment function. However, the above process of activating the scanning code payment function is relatively cumbersome, and the activation of scanning code payment involves the collection and verification of real-name information, which leads to some users being unwilling to activate the scanning code payment function and preferring to use bank cards or cash payments.

[0004] Therefore, if the merchant provides a payment method using a graphic code but the user is unwilling to enable the scan code payment function, there will be a mismatch between the payment method and the payment method, which will seriously affect the user's payment experience. Therefore, it is crucial to solve the problem of mismatch between the payment method and the payment method. Summary of the invention

[0005] The embodiments of the present application provide a payment method, apparatus, device, computer-readable storage medium, and computer program product, which can solve the problem of mismatch between payment method and collection method and ensure the user's payment experience.

[0006] In a first aspect, an embodiment of the present application provides a payment method, which is applied to a payment device, and the method includes:

[0007] When a communication connection is established between the payment card and the payment device, obtaining card information of the payment card and device information of the payment device;

[0008] generating instant payment account information based on the card information and the device information;

[0009] receiving a first input from a user to a target payment application in the payment device;

[0010] In response to the first input, obtaining a graphic code for payment;

[0011] Acquiring transaction information corresponding to the graphic code;

[0012] The instant payment account information and the transaction information are sent to a transaction platform, so that the transaction platform performs transaction settlement based on the instant payment account information and the transaction information.

[0013] In a second aspect, an embodiment of the present application provides a payment method, which is applied to a trading platform, and the method includes:

[0014] receiving instant payment account information and transaction information sent by a payment device, wherein the instant payment account information is generated according to device information of the payment device and card information of the payment card when the payment device establishes a communication connection with the payment card, and the transaction information is transaction information corresponding to a graphic code, and the graphic code is a graphic code for payment obtained when the payment device receives a first input of a user to a target payment application in the payment device;

[0015] Transaction settlement is performed based on the instant payment account information and the transaction information.

[0016] In a third aspect, an embodiment of the present application provides a payment device, the device comprising:

[0017] A first acquisition module, configured to acquire card information of the payment card and device information of the payment device when a communication connection is established between the payment card and the payment device;

[0018] A first generating module, configured to generate instant payment account information according to the card information and the device information;

[0019] A first receiving module, configured to receive a first input from a user to a target payment application in the payment device;

[0020] A second acquisition module, configured to acquire a graphic code for payment in response to the first input;

[0021] A third acquisition module, used to acquire transaction information corresponding to the graphic code;

[0022] The first sending module is used to send the instant payment account information and the transaction information to the transaction platform, so that the transaction platform performs transaction settlement based on the instant payment account information and the transaction information.

[0023] In a fourth aspect, an embodiment of the present application provides a payment device, the device comprising:

[0024] a first receiving module, configured to receive instant payment account information and transaction information sent by a payment device, wherein the instant payment account information is generated according to device information of the payment device and card information of the payment card when the payment device establishes a communication connection with the payment card, and the transaction information is transaction information corresponding to a graphic code, wherein the graphic code is a graphic code for payment obtained when the payment device receives a first input of a user to a target payment application in the payment device;

[0025] A settlement module is used to perform transaction settlement based on the instant payment account information and the transaction information.

[0026] In a fifth aspect, an embodiment of the present application provides an electronic device, the device comprising: a processor and a memory storing computer program instructions;

[0027] When the processor executes the computer program instructions, the method in any possible implementation method of the first aspect or the second aspect is implemented.

[0028] In a sixth aspect, an embodiment of the present application provides a computer-readable storage medium having computer program instructions stored thereon, which, when executed by a processor, implement a method in any possible implementation method of the first aspect or the second aspect mentioned above.

[0029] In a seventh aspect, an embodiment of the present application provides a computer program product. When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device executes a method in any possible implementation method of the first aspect or the second aspect mentioned above.

[0030] The payment method, device, equipment, computer-readable storage medium and computer program product of the embodiments of the present application can provide users with a temporary payment account for scan code payment by generating instant payment account information based on the card information of the payment card and the device information of the payment device when a communication connection is established between the payment card and the payment device, thereby saving the user the step of manually opening the scan code payment function. By responding to the user's first input to the target payment application in the payment device, a graphic code for payment, transaction information corresponding to the graphic code, and sending the instant payment account information and transaction information to the transaction platform, the transaction platform can perform transaction settlement based on the instant payment account information and transaction information. In this way, through the embodiments of the present application, when the collection method is graphic code payment and the payment method is bank card payment, the normal payment can be guaranteed, thereby solving the problem of mismatch between the payment method and the collection method and ensuring the user's payment experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0032] Figure 1 It is a structural diagram of a payment device provided in an embodiment of the present application;

[0033] Figure 2 This is a schematic diagram of card code conversion provided by an embodiment of the present application;

[0034] Figure 3 It is a flow chart of a payment method applied to a payment device provided in an embodiment of the present application;

[0035] Figure 4 is a schematic diagram of another card code conversion provided by an embodiment of the present application;

[0036] Figure 5 It is a schematic diagram of payment based on a scanned payment method provided in an embodiment of the present application;

[0037] Figure 6 It is a schematic diagram of payment based on the main scanning payment method provided in an embodiment of the present application;

[0038] Figure 7 It is a flow chart of a payment method applied to a trading platform provided in an embodiment of the present application;

[0039] Figure 8 It is a structural diagram of a payment device supporting system provided in an embodiment of the present application;

[0040] Fig. 9 It is a structural diagram of a payment device provided in an embodiment of the present application;

[0041] Fig.10 is a schematic diagram of the structure of another payment device provided in an embodiment of the present application;

[0042] Fig.11 It is a structural schematic diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0043] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by illustrating the examples of the present application.

[0044] It should be noted that, in this article, relational terms such as first and second, etc. are only used 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 other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the statement "include..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0045] At present, payment methods include bank card payment, QR code payment, cash payment, etc. Among them, the payment method based on bank cards is completed by the bank card and the terminal through contact or contactless communication technology at the front end to generate transaction messages, which are processed by the corresponding back-end systems of the acquiring institution, the transfer and clearing institution, and the issuing institution to complete the transaction acceptance.

[0046] Payment methods based on QR codes include main scanning payment and scanned payment. In terms of main scanning payment, users can use the wallet application (Application, APP) to scan the merchant's payment QR code, access the payment link provided by the acquiring institution for the merchant and enter and confirm the payment amount. The acquiring institution generates a transaction message and completes the acceptance after processing through the corresponding backend systems of the acquiring institution, wallet institution, clearing institution, and card issuing institution. In terms of scanned payment, the user uses the wallet APP to display the user's payment QR code, the merchant scans the payment QR code and sends the transaction information to the acquiring institution. The acquiring institution generates a transaction message and completes the acceptance after processing through the corresponding backend systems of the acquiring institution, wallet institution, clearing institution, and card issuing institution.

[0047] With the development of science and technology, the application of scanning code payment is becoming more and more widespread. At present, more and more merchants tend to provide payment QR codes or scanning machines for scanning payment QR codes, so that users can pay by scanning the merchant's payment QR code or providing the merchant with a payment QR code.

[0048] However, users have various payment methods. In addition to QR code payment, they may also use bank cards or cash. If users use bank cards to pay, merchants also need to provide a point of sales terminal (POS) that can accept bank cards. However, some small and medium-sized merchants may be unwilling to provide POS machines due to cost issues, resulting in a contradiction between the collection method and the payment method.

[0049] In addition, if users want to pay by scanning code, they often need to download the wallet APP first, complete account registration and real-name authentication, and then complete the card binding through the issuing bank authorization, SMS dynamic verification and other processes to activate the scanning code payment function. However, the above process of activating the scanning code payment function is relatively cumbersome, and the activation of scanning code payment involves the collection and verification of real-name information, which leads to some users being unwilling to activate the scanning code payment function because they find the operation cumbersome or unwilling to provide personal information, and thus prefer to use bank cards or cash payments. Therefore, if the merchant provides a QR code payment method and the user is unwilling to activate the scanning code payment function, there will be a problem of mismatch between the payment method and the collection method, which seriously affects the user's payment experience.

[0050] Therefore, how to solve the problem of mismatch between payment method and collection method is crucial.

[0051] The essence of solving the above-mentioned mismatch between payment methods and collection methods is to solve the mismatch between the payment carriers and media held by users and the acceptance tools and capabilities possessed by merchants. After analysis, in order to form a more thorough solution and achieve economies of scale, it is also necessary to solve the problem of integration and matching between the user side and the merchant side from the source.

[0052] At present, merchants (especially small and medium-sized merchants) prefer to provide QR codes for payment, and users have various payment methods. Therefore, it is difficult to fully cover the payment compatibility issues only from the merchant side. Therefore, solutions can be proposed from the user side to cooperate with the optimization of payment services.

[0053] Based on the above-mentioned pain points in the payment industry, this application proposes a device and technical solution that provides bank card holders with the ability to instantly convert bank card data into graphic code images, and supports both scanned payment and main scan payment, thereby facilitating daily consumption operations for consumers who use bank cards to pay.

[0054] Thus, in order to solve the problems of the prior art, the embodiments of the present application provide a payment method, an apparatus, a device, a computer-readable storage medium, and a computer program product. Among them, the payment method can be applied to a scenario where a bank card is used for payment. Among them, the payment method can be applied to a payment system.

[0055] The following first introduces the payment system provided in the embodiment of the present application. The payment system in the embodiment of the present application may include a payment device and a transaction platform. Among them, the payment device can be used to establish a communication connection with the payment card, read the card information in the payment card in real time, and implement a payment method based on the main scanning payment of the graphic code and the scanning payment of the graphic code in combination with the transaction platform. In addition, the payment card can be a card with a payment function. The payment card may include a bank card, a membership card, a transportation card, etc.

[0056] A structural diagram of a payment device provided in an embodiment of the present application can be as follows Figure 1 As shown. Figure 1 As shown, the payment device may include a hardware layer, a communication layer, and an application layer. The hardware layer may include a card reader, a display screen, a camera, a charging module, a battery module, an embedded customer identification module card (Subscriber Identity Module Card, SIM card) and an operable control. The card reader may support contact and contactless integrated circuit card (IC card) reading; the display screen may display a graphic code and a virtual control for entering a password; the camera may scan a merchant graphic code. In addition, the communication layer may support 4G / 5G communication and interactive communication between the payment card and the payment device. The application layer may include multiple built-in applications such as a main scanning payment application, a scanned payment application, and a card reading application. The main scanning payment application may support scanning a graphic code; the scanned payment application may access a transaction platform to request graphic code data, and display a graphic code corresponding to the graphic code data; the card reading application may read the card information in the payment card.

[0057] In addition, the transaction platform may include an acquiring system, a switching system and a card issuing system. The acquiring system may be a backend system corresponding to the acquiring institution, the switching system may be a backend system corresponding to the switching clearing institution / card organization, and the card issuing system may be a backend system corresponding to the card issuing institution.

[0058] A schematic diagram of card code conversion provided in an embodiment of the present application can be as follows: Figure 2 As shown. Figure 2As shown, the user can insert the payment card into the card slot of the payment device, or stick the payment card on the card reading area of ​​the payment device. The card reading area of ​​the payment device can verify the authenticity of the payment card and read the card information in the payment card. After that, the user can select the payment method by clicking the main scanning payment application or the scanned payment application displayed in the payment device. If the user clicks the scanned payment application, the payment device can respond to the user's click operation and send the card information and its own device information to the switching system in the transaction platform to request the first graphic code for payment. After the switching system generates the first graphic code based on the card information and the device information, it can return the first graphic code to the payment device. The payment device can display the first graphic code on the display screen. After the payment device displays the first graphic code, the merchant can use a code scanning machine to scan the first graphic code and send a first transaction message including the first graphic code to the switching system to complete the payment. It should be noted that since the first graphic code can display limited information, after receiving the first transaction message, the switching system can also request complete transaction information from the payment device to generate a second transaction message including complete transaction information. The transaction platform can complete transaction acceptance and transaction settlement based on the second transaction message.

[0059] If the user clicks the main scan payment application, the payment device can respond to the user's click operation and wake up the camera to scan the second graphic code provided by the merchant. The payment device can access the payment link corresponding to the second graphic code, and the user enters the payment amount and payment password, and generates transaction information based on the payment amount and payment password and sends the transaction information to the transaction platform, so that the transaction platform completes the transaction acceptance and transaction settlement based on the transaction information.

[0060] Through the embodiments of the present application, card information can be converted into graphic code information, card-code conversion can be achieved, payment barriers caused by mismatch between collection methods and payment methods can be broken, and the user's payment experience can be improved.

[0061] The following is an introduction to the payment method applied to the payment device provided in the embodiment of the present application. The payment method can be executed by the payment device.

[0062] Figure 3 A schematic diagram of a payment method provided in an embodiment of the present application is shown. Figure 3 As shown, the payment method provided in the embodiment of the present application includes the following steps:

[0063] S310: When the payment card and the payment device establish a communication connection, obtain card information of the payment card and device information of the payment device;

[0064] S320, generating instant payment account information according to the card information and device information;

[0065] S330, receiving a first input from a user to a target payment application in a payment device;

[0066] S340, in response to the first input, obtaining a graphic code for payment;

[0067] S350, acquiring transaction information corresponding to the graphic code;

[0068] S360: Send the instant payment account information and transaction information to the transaction platform, so that the transaction platform performs transaction settlement based on the instant payment account information and transaction information.

[0069] The payment method of the embodiment of the present application can provide users with a temporary payment account for scan code payment by generating instant payment account information based on the card information of the payment card and the device information of the payment device when a communication connection is established between the payment card and the payment device, thereby saving the user the step of manually opening the scan code payment function. By responding to the user's first input of the target payment application in the payment device, a graphic code for payment, transaction information corresponding to the graphic code, and sending the instant payment account information and transaction information to the transaction platform, the transaction platform can perform transaction settlement based on the instant payment account information and transaction information. In this way, through the embodiment of the present application, when the collection method is graphic code payment and the payment method is bank card payment, the normal payment can be guaranteed, thereby solving the problem of mismatch between the payment method and the collection method and ensuring the user's payment experience.

[0070] The specific implementation methods of the above steps are introduced below.

[0071] In some embodiments, in S310, the payment card may be a card with a payment function. The payment card may include a bank card, a membership card, a transportation card, etc. In addition, as described above, the payment device may have a card reading function. Specifically, the card reading area of ​​the payment device may have a magnetic stripe, a chip contact, or a chip contactless reading function to obtain the card information of the payment card. After the user inserts the payment card into the card slot of the payment device or abuts against the card reading area of ​​the payment device, the payment device can read the card information of the payment card. Among them, the card information may include the card number, validity period, the public key certificate of the issuing bank, the card application information, etc. In addition, the payment device may be equipped with a security chip, and the card information may be encrypted using an asymmetric encryption method to ensure the security of the card information.

[0072] In addition, the device information of the payment device may include device identification, device built-in application information, device issuer information, etc. The device identification may include the device brand and device name. The device built-in application information may include application names, version information, user logged-in application account information, etc. corresponding to multiple applications built-in the payment device. The application account information of multiple applications in the payment device may be the same.

[0073] As an example, after getting the payment device, the user can first unlock the payment device using the device password. Afterwards, if the user inserts the payment card into the card slot of the payment device or places it against the card reading area of ​​the payment device, so that the payment device is able to read the card information, it can be determined that the payment card and the payment device have established a communication connection. When the payment card and the payment device have established a communication connection, the payment device can read the card information of the payment card and obtain its own device information.

[0074] Based on this, in order to ensure the security of the payment environment, in some embodiments, the above S310 may specifically include:

[0075] When the payment card and the payment device establish a communication connection, obtaining card information of the payment card;

[0076] Verify the payment card based on the card information and obtain a verification result;

[0077] If the verification result is passed, the device information of the payment device is obtained.

[0078] Here, the payment device can complete the card verification based on the digital certificate in the payment card. In addition, the payment device can also automatically identify the card information such as the card number and expiration date based on the optical character recognition technology, and compare the card information with the card information stored in the database. If the two are the same, the verification result can be determined to be verification passed. In addition, in the case where the payment card is a bank card, the payment device can also verify whether the bank card number is valid based on the bank card verification rule algorithm (Luhn algorithm). If the bank card number is valid, the verification result of the bank card can be determined to be verification passed.

[0079] It should be noted that any method that can verify the payment card is within the protection scope of this application and will not be described in detail here.

[0080] In this way, by obtaining device information and performing subsequent payment operations when the payment card is verified, the payment environment can be guaranteed to be secure.

[0081] In some embodiments, in S320, the payment device may associate the card information with the device information, generate the instant payment account information, and encrypt the instant payment account information to ensure the security of the instant payment account information. The instant payment account information may include at least the card number of the payment card and the device built-in application information, which is used for account management of the payment device after activation. In the process of interaction between the payment device and the transaction platform, the instant payment account information may be carried in real time to uniquely identify the combination of the payment card and the payment device that have established a communication relationship.

[0082] In some embodiments, in S330, the target payment application may include a main scanning payment application and a scanned payment application. The display screen of the payment device may display a first icon corresponding to the scanned payment application and a second icon corresponding to the main scanning payment application. The first input includes, but is not limited to: a user's touch input of a display icon corresponding to the target payment application through a touch device such as a finger or a stylus, a voice command input by the user, a specific gesture input by the user, other feasible inputs, etc. The first input can be specifically determined according to actual use requirements, and the embodiment of the present application is not limited thereto. The specific gesture in the embodiment of the present application may be any one of a single-click gesture, a sliding gesture, a dragging gesture, a pressure recognition gesture, a long press gesture, an area change gesture, a double press gesture, and a double-click gesture; the click input in the embodiment of the present application may be a single-click input, a double-click input, or any number of click inputs, etc., and may also be a long press input or a short press input. Based on this, the above-mentioned first input may, for example, be: a user's click input of the first icon or the second icon.

[0083] As an example, after the payment device verifies the payment card, a first icon corresponding to the scanned payment application and a second icon corresponding to the main scanning payment application may be displayed on the display screen of the payment device. The user can click the first icon to perform the scanned payment or click the second icon to perform the main scanning payment.

[0084] In addition, after the payment device successfully verifies the payment card, it can also generate a prompt message of "Ready" or "Loading Successfully" to prompt the user that the payment device can be used for payment.

[0085] In some embodiments, in S340, the graphic code may include a QR code and a barcode. In addition, the graphic code may include a first graphic code for scanned payment and a second graphic code provided by the merchant for main scanning payment. When the user clicks the first icon, the payment device may request the transaction platform to obtain the first graphic code in response to the user input. When the user clicks the second icon, the payment device may open the camera to scan the second graphic code provided by the merchant in response to the user input.

[0086] Based on this, in order to realize the card code conversion, in some embodiments, the above S340 may specifically include:

[0087] In response to the first input, sending a graphic code generation request including the card information and the device information to the transaction platform, the graphic code generation request being used to instruct the transaction platform to generate a first graphic code based on the card information and the device information;

[0088] Receive and display the first graphic code sent by the trading platform.

[0089] Here, when the user clicks the first icon, the payment device can send a graphic code generation request to the switching system in the transaction platform in response to the user input. The graphic code generation request may include card information and device information. Among them, the card information may at least include the card number. The device information may at least include the device identification, the device built-in application information and the device issuer information. In addition, the first graphic code may also be generated based on the instant payment account information, which is not limited here.

[0090] After receiving the request to generate the graphic code, the switching system may virtualize the card number and convert the card number into a payment tag, wherein the payment tag and the card number may have the same length; and may also generate a device number of at least ten digits based on the device identifier, the device's built-in application information, and the device issuer information. After generating the payment tag and the device number, the switching system may supplement the code issuing agency information on the basis of the payment tag and the device number based on the graphic code encoding rules to generate the first graphic code. The code issuing agency information may include at least a six-digit code issuing agency number, a six-digit code system identifier, and the version information of the first graphic code.

[0091] After generating the first graphic code, the switching system may send the first graphic code to the payment device. After receiving the first graphic code, the payment device may display the first graphic code on a display screen.

[0092] A schematic diagram of card code conversion provided in an embodiment of the present application can be as follows: Figure 4 shown.

[0093] In this way, by sending a graphic code generation request including card information and device information to the transaction platform, and receiving and displaying the first graphic code sent by the transaction platform, the card information can be converted into graphic code information, realizing card-code conversion, breaking the payment barrier of mismatch between payment method and payment method. In addition, this function supports users to realize the graphic code payment function without establishing a binding relationship between the payment card and the wallet APP, which facilitates user-side operation and improves the user's payment experience.

[0094] Based on this, in order to ensure the validity of the first graphic code and improve the payment success rate, in some embodiments, after receiving and displaying the first graphic code sent by the transaction platform, the method further includes:

[0095] receiving a second input from a user for updating the first graphic code;

[0096] In response to the second input, a graphic code update request including the card information and the device information is sent to the transaction platform, where the graphic code update request is used to instruct the transaction platform to generate a new first graphic code based on the card information and the device information.

[0097] Here, the payment device may include an operable control for updating the first graphic code. The second input includes, but is not limited to: a user's touch input of an operable control for updating the first graphic code through a touch device such as a finger or a stylus, a voice command input by the user, a specific gesture input by the user, other feasible inputs, etc. The second input can be specifically determined according to actual usage requirements, and the embodiment of the present application is not limited thereto. The specific gesture in the embodiment of the present application may be any one of a single-click gesture, a sliding gesture, a dragging gesture, a pressure recognition gesture, a long press gesture, an area change gesture, a double-press gesture, and a double-click gesture; the click input in the embodiment of the present application may be a single-click input, a double-click input, or any number of click inputs, etc., and may also be a long press input or a short press input. Based on this, the above-mentioned second input may, for example, be: a user's click input of an operable control for updating the first graphic code.

[0098] As an example, the user may initiate a graphic code update request by clicking an operable control for updating the first graphic code in the operation interface of the payment device. The payment device may send the graphic code update request to the switching system, and the graphic code update request may include card information and device information. After receiving the graphic code update request, the switching system may generate a new first graphic code based on the card information and device information, and send the new first graphic code to the payment device, so that the payment device displays the new first graphic code.

[0099] In this way, by dynamically refreshing the first graphic code in response to the second input, the validity of the first graphic code can be guaranteed and the payment success rate can be improved.

[0100] In addition, in order to realize the card code conversion, in some embodiments, the above S340 may specifically include:

[0101] In response to the first input, a second graphical code is scanned.

[0102] Here, when the user clicks the second icon, the payment device can turn on the camera to scan the second graphic code provided by the merchant in response to the user input.

[0103] In the embodiment of the present application, when the payment card and the payment device are connected in communication, the payment device can be used to scan the second graphic code to complete the required payment, which can realize the card-code conversion and break the payment barrier of mismatch between the collection method and the payment method. In addition, this function supports users to realize the graphic code payment function without establishing a binding relationship between the payment card and the wallet APP, which facilitates the user-side operation and improves the user's payment experience.

[0104] In some embodiments, in S350, when the graphic code is a first graphic code, the transaction information may include the first dynamic transaction data and the card password of the payment card. When the graphic code is a second graphic code, the transaction information may include the second dynamic transaction data and the card password. Among them, both the first dynamic transaction data and the second dynamic transaction data may include information such as the transaction amount, transaction time, and transaction location. The first dynamic transaction data may be the transaction data obtained by the payment device using the key in the payment card to encrypt the transaction amount, transaction time, transaction location, and other information obtained by the scanned payment. The second dynamic transaction data may be the transaction data obtained by the payment device using the key in the payment card to encrypt the transaction amount, transaction time, transaction location, and other information obtained by the main scan payment.

[0105] In some embodiments, in S360, after acquiring the transaction information, the payment device may send the instant payment account information and the transaction information to the transaction platform, so that the transaction platform performs transaction settlement based on the instant payment account information and the transaction information.

[0106] Based on this, in order to realize normal payment when the payment method is payment by payment card and the payment method is payment by graphic code, in some embodiments, the above S350 may specifically include:

[0107] receiving a data acquisition request sent by the transaction platform, the data acquisition request is used to instruct the payment device to acquire the first dynamic transaction data and the card password, the data acquisition request is generated by the transaction platform when receiving the first graphic code information, the first graphic code information is the graphic code information obtained by scanning the first graphic code by a code scanning device;

[0108] In response to the data acquisition request, the first dynamic transaction data and the card password are acquired.

[0109] A schematic diagram of payment based on a scanned payment method provided in an embodiment of the present application can be as follows: Figure 5 As shown. Figure 5 As shown, the payment method based on the scanned payment method may include steps S51-S56.

[0110] S51, the merchant uses a code scanning device to scan the first graphic code to obtain the first graphic code information.

[0111] After the payment device displays the first graphic code, the merchant can use a code scanning device to scan the first graphic code to obtain the first graphic code information. The code scanning device may include a code scanning gun, a code scanning box, etc. In addition, the code scanning device and the acquiring system may be connected in communication. After the code scanning device scans and obtains the first graphic code information, the first graphic code information may be sent to the acquiring system.

[0112] S52, the acquiring system receives the first graphic code information sent by the barcode scanning device, and generates a first transaction message including the first graphic code information.

[0113] Here, the first transaction message may include not only the first graphic code information but also the transaction amount, transaction time, etc. After generating the first transaction message, the acquiring system may send the first transaction message to the switching system.

[0114] S53, the switching system receives and parses the first transaction message, obtains the instant payment account information, and sends a data acquisition request to the payment device corresponding to the instant payment account information.

[0115] Here, after receiving the first transaction message, the switching system may parse the first transaction message to obtain information such as the first graphic code information, the transaction amount, and the transaction time. By continuing to parse the first graphic code information, the instant payment account information may be obtained. Since the transaction information included in the first transaction message is not sufficient to complete the payment, after parsing and obtaining the instant payment account information, the switching system may send a data acquisition request to the payment device corresponding to the instant payment account information to request complete transaction information. The data acquisition request may include information such as the transaction time and the transaction amount.

[0116] S54, the payment device receives and responds to the data acquisition request to acquire the first dynamic transaction data and the card password.

[0117] After receiving the data acquisition request, the payment device can obtain information such as the transaction time and transaction amount from the data acquisition request, and can also obtain information such as the transaction location based on its own positioning function. After obtaining information such as the transaction time, transaction amount, and transaction location, the payment device can use the key data in the payment card to encrypt the information such as the transaction time, transaction amount, and transaction location to obtain the first dynamic transaction data. In addition, after receiving the data acquisition request, the payment device can also display a virtual control for entering a password to request the cardholder to enter the card password. After receiving the card password, the payment device can encrypt the card password using a dual encryption method of keyboard encryption and secure hardware encryption, and send the encrypted card password and the first dynamic transaction data to the switching system.

[0118] S55, the switching system receives the first dynamic transaction data and the card password, generates a second transaction message based on the instant payment account information, the first dynamic transaction data and the card password, and sends the second transaction message to the card issuing system.

[0119] S56, the card issuing system receives the second transaction message sent by the switching system, and performs transaction acceptance based on the second transaction message.

[0120] In this way, through the interaction between the payment device and the transaction platform, normal payment can be achieved when the payment method is payment card payment and the payment method is graphic code payment.

[0121] In some embodiments, the first graphic code may become invalid immediately after the transaction platform settles the transaction based on the instant payment account information and the transaction information.

[0122] In other embodiments, if the time interval between the transaction time corresponding to the first graphic code and the time when the first graphic code is applied is greater than a preset time interval (e.g., 30 seconds), the first graphic code becomes invalid. The time when the code is applied may be the time when the payment device sends a graphic code generation request to the transaction platform, and the transaction time may be the time when the transaction platform performs transaction settlement based on the instant payment account information and the transaction information.

[0123] In addition, in order to realize normal payment when the payment method is payment card payment and the payment method is graphic code payment, in some embodiments, the above S350 may specifically include:

[0124] generating and displaying a payment link corresponding to the second graphic code;

[0125] receiving a third input of a payment amount entered by the user in the payment link;

[0126] In response to a third input, obtaining second dynamic transaction data including a payment amount;

[0127] receiving a fourth input from a user for inputting a card password of a payment card;

[0128] In response to the fourth input, the card password is acquired.

[0129] Here, the input forms of the third input and the fourth input are not limited, and the explanations of the first input and the second input can be referred to above, which will not be described in detail here. The third input can be the input of the payment amount entered by the user in the payment link. The fourth input can be the input of the card password entered by the user in the payment link.

[0130] A schematic diagram of payment based on the main scanning payment method provided in the embodiment of the present application can be as follows: Figure 6 As shown. Figure 6 As shown, the payment method based on the scanned payment method may include steps S61-S65.

[0131] S61, the user uses the payment device to scan the second graphic code and enters the transaction amount.

[0132] Here, after the user scans the second graphic code using the payment device, a payment link corresponding to the second graphic code may be generated and displayed in the payment device. The user may enter the transaction amount in the payment link.

[0133] S62, the payment device obtains information such as transaction time and transaction location in response to user input, and encrypts the information such as transaction amount, transaction time, transaction location, etc. to obtain second dynamic transaction data.

[0134] S63, receiving the card password input by the user in the payment device, and encrypting the card password using a dual encryption method of keyboard encryption and secure hardware encryption to obtain the encrypted card password.

[0135] S64, the payment device sends the instant payment account information, the second dynamic transaction data and the encrypted card password to the payment address (ie, the payment domain name) corresponding to the second graphic code, wherein the instant payment account information may be encrypted information.

[0136] S65, the acquiring system obtains the instant payment account information, the second dynamic transaction data and the encrypted card password through the payment domain name corresponding to the second graphic code, generates a third transaction message according to the instant payment account information, the second dynamic transaction data and the encrypted card password, and sends the third transaction message to the switching system.

[0137] S66, the switching system sends a third transaction message to the card issuing system.

[0138] S67, the card issuing system receives the third transaction message sent by the switching system, and performs transaction acceptance based on the third transaction message.

[0139] In this way, through the interaction between the payment device and the transaction platform, normal payment can be achieved when the payment method is payment card payment and the payment method is graphic code payment.

[0140] Based on this, in order to ensure the cardholder's card usage safety, in some embodiments, after the above S360, the method further includes:

[0141] receiving a fifth input from a user for disconnecting the communication connection between the payment card and the payment device;

[0142] In response to the fifth input, target information in the payment device is deleted, the target information being information related to the payment card.

[0143] Here, the target information may include card information, instant payment account information, transaction information, graphic code information and other information related to the current transaction. In addition, the input form of the fifth input is not limited, and the explanation of the first input and the second input can be referred to above, which will not be described in detail here. The fifth input may be an input used by the user in the payment device to disconnect the communication connection between the payment card and the payment device. The fifth input may include, for example, the user pulling the payment card out of the card slot of the payment device, or removing the payment card from the card reading area.

[0144] If the user pulls the payment card out of the card slot of the payment device, or removes the payment card from the card reading area, the payment device can delete the target information in the payment device to ensure the cardholder's card safety.

[0145] In addition, since the encryption, management, deletion and other operations of relevant data are all completed in the security chip of the payment device, the cardholder's card security can be fully guaranteed.

[0146] Based on this, in order to improve the user experience of the payment device, in some embodiments, in response to the fifth input, deleting the target information in the payment device may specifically include:

[0147] In response to the fifth input, generating a prompt message to prompt the user that the payment device will delete the target information;

[0148] When the time for generating the prompt information reaches a preset time, the target information in the payment device is deleted.

[0149] Here, the prompt information can be a voice prompt to the user, or can be displayed on the display screen of the payment device, which is not limited here. The preset time length can be a preset waiting time length. By prompting the user in advance through the prompt information, and deleting the target information in the payment device when the user knows that the time length of the prompt information reaches the preset time length, the user's use experience of the payment device can be improved.

[0150] The following is an introduction to the payment method applied to the trading platform provided in the embodiment of the present application. The payment method can be executed by the trading platform.

[0151] Figure 7 A schematic diagram of a payment method provided in an embodiment of the present application is shown. Figure 7 As shown, the payment method provided in the embodiment of the present application includes the following steps:

[0152] S710, receiving instant payment account information and transaction information sent by the payment device, where the instant payment account information is generated by the payment device according to the device information of the payment device and the card information of the payment card when the payment device establishes a communication connection with the payment card, and the transaction information is transaction information corresponding to the graphic code, where the graphic code is a graphic code for payment obtained when the payment device receives a first input of the user to a target payment application in the payment device;

[0153] S720: Perform transaction settlement based on the instant payment account information and transaction information.

[0154] Other steps of the method in the embodiment of the present application can be found above Figure 3 The relevant description of the illustrated embodiment will not be repeated here.

[0155] The payment method of the embodiment of the present application can provide users with a temporary payment account for scan code payment by generating instant payment account information according to the card information of the payment card and the device information of the payment device through the payment device when a communication connection is established between the payment card and the payment device, thereby saving the step of the user manually opening the scan code payment function. When the payment device receives the first input of the user to the target payment application in the payment device, it obtains the graphic code used for payment, the transaction information corresponding to the graphic code, and sends the instant payment account information and transaction information to the transaction platform, so that the transaction platform can settle transactions based on the instant payment account information and transaction information. In this way, through the embodiment of the present application, when the collection method is graphic code payment and the payment method is bank card payment, the normal payment can be guaranteed, thereby solving the problem of mismatch between the payment method and the collection method and ensuring the user's payment experience.

[0156] In addition, in order to break the payment barrier caused by the mismatch between the payment method and the payment method and improve the user's payment experience, in some embodiments, before the above S710, the method may further include:

[0157] When the payment card and the payment device establish a communication connection, receiving a graphic code generation request including card information and device information sent by the payment device, the graphic code generation request is used to request the transaction platform to generate a first graphic code based on the card information and the device information, and the instant payment account information includes the card information and the device information;

[0158] In response to the graphic code generation request, convert the card number in the card information into a payment token, and generate a device number according to the device information;

[0159] The first graphic code is generated according to the issuing agency information, payment mark and device number of the graphic code.

[0160] Here, the transaction platform may specifically be a switching system. After receiving the request to generate a graphic code, the switching system may virtualize the card number and convert the card number into a payment tag, wherein the payment tag and the card number may have the same length. In addition, the switching system may also generate a device number of at least ten digits based on the device identification, device built-in application information, and device issuer information in the device information. After generating the payment tag and the device number, the switching system may supplement the issuing agency information on the basis of the payment tag and the device number based on the graphic code encoding rules to generate a first graphic code. Among them, the issuing agency information may include at least a six-digit issuing agency number, a six-digit code system identification, and version information of the first graphic code.

[0161] In this way, the switching system responds to the graphic code generation request and generates a first graphic code, which can convert the card information into graphic code information, realize the card-code conversion, break the payment barrier of mismatch between collection method and payment method, and improve the user's payment experience.

[0162] Based on the above embodiments, a structural diagram of a payment device supporting system provided in an embodiment of the present application can be as follows: Figure 8 The payment device supporting system may be a processing system corresponding to a built-in application in the payment device.

[0163] like Figure 8 As shown, the payment device supporting system may include a graphic code data processing related system and a payment card data processing related system. Among them, the graphic code data processing related system can perform main scan payment order processing and scanned payment order processing. Scanned payment order processing may include graphic code verification and graphic code application. In addition, the payment card data processing related system can obtain card information and convert card information into graphic code information. It should be noted that in the embodiment of the present application, the conversion of card information into graphic code information can be completed by the payment device supporting system or by the switching system, which is not limited here.

[0164] Based on the payment method provided in the above embodiment, the present application also provides a specific implementation of the payment device. Please refer to the following embodiment.

[0165] like Fig. 9 As shown, the payment device 900 applied to the payment device provided in the embodiment of the present application includes the following modules:

[0166] A first acquisition module 910, configured to acquire card information of the payment card and device information of the payment device when a communication connection is established between the payment card and the payment device;

[0167] A first generating module 920, for generating instant payment account information according to the card information and the device information;

[0168] A first receiving module 930, configured to receive a first input from a user to a target payment application in a payment device;

[0169] A second acquisition module 940, configured to acquire a graphic code for payment in response to the first input;

[0170] The third acquisition module 950 is used to acquire transaction information corresponding to the graphic code;

[0171] The first sending module 960 is used to send the instant payment account information and transaction information to the transaction platform, so that the transaction platform performs transaction settlement based on the instant payment account information and transaction information.

[0172] The payment device 900 is described in detail below, as follows:

[0173] In some embodiments, the target payment application includes the scanned payment application, and the graphic code includes the first graphic code. Based on this, the second acquisition module 940 may specifically include:

[0174] A first sending submodule, configured to send a graphic code generation request including card information and device information to the transaction platform in response to a first input, wherein the graphic code generation request is used to instruct the transaction platform to generate a first graphic code based on the card information and the device information;

[0175] The first display submodule is used to receive and display the first graphic code sent by the trading platform.

[0176] In some embodiments, the transaction information includes the first dynamic transaction data and the card password of the payment card. Based on this, the third acquisition module 950 may specifically include:

[0177] A first receiving submodule is used to receive a data acquisition request sent by the transaction platform, the data acquisition request is used to instruct the payment device to acquire the first dynamic transaction data and the card password, the data acquisition request is generated by the transaction platform when receiving the target graphic code information, and the first graphic code information is the graphic code information obtained by scanning the first graphic code by a code scanning machine;

[0178] The first acquisition submodule is used to acquire the first dynamic transaction data and the card password in response to the data acquisition request.

[0179] In some embodiments, when the time interval between the transaction time corresponding to the first graphic code and the time when the first graphic code is applied is greater than a preset time interval, the first graphic code is invalid. The time when the payment device sends a request to generate the graphic code to the transaction platform, and the transaction time is the time when the transaction platform settles the transaction based on the instant payment account information and the transaction information.

[0180] In some of the embodiments, the first graphic code becomes invalid after the transaction platform settles the transaction based on the real-time payment account information and the transaction information.

[0181] In some embodiments, the second acquisition module 940 may further include:

[0182] A second receiving submodule is used to receive a second input from a user for updating the first graphic code after receiving and displaying the first graphic code sent by the trading platform;

[0183] The second sending submodule is used to send a graphic code update request including card information and device information to the transaction platform in response to the second input, wherein the graphic code update request is used to instruct the transaction platform to generate a new first graphic code based on the card information and device information.

[0184] In some embodiments, the target payment application includes a main scanning payment application, and the graphic code includes a second graphic code provided by the merchant. Based on this, the second acquisition module 940 may specifically include:

[0185] The scanning submodule is used to scan the second graphic code in response to the first input.

[0186] In some embodiments, the transaction information includes the second dynamic transaction data and the card password of the payment card. Based on this, the third acquisition module 950 may specifically include:

[0187] A second display submodule, used to generate and display a payment link corresponding to the second graphic code;

[0188] A third receiving submodule, used to receive a third input of a payment amount entered by the user in the payment link;

[0189] A second acquisition submodule, for acquiring second dynamic transaction data including a payment amount in response to a third input;

[0190] a fourth receiving submodule, configured to receive a fourth input from a user for inputting a card password of a payment card;

[0191] The third acquisition submodule is used to acquire the card password in response to the fourth input.

[0192] In some embodiments, the first acquisition module 910 may specifically include:

[0193] A fourth acquisition submodule, used to acquire card information of the payment card when a communication connection is established between the payment card and the payment device;

[0194] A verification submodule, used to verify the payment card based on the card information and obtain a verification result;

[0195] The fifth acquisition submodule is used to acquire device information of the payment device when the verification result is that the verification is passed.

[0196] In some embodiments, the payment device 900 may further include:

[0197] a second receiving module, configured to receive a fifth input from a user for disconnecting the communication connection between the payment card and the payment device after sending the instant payment account information and the transaction information to the transaction platform;

[0198] The deleting module is used to delete target information in the payment device in response to a fifth input, where the target information is information related to the payment card.

[0199] In some embodiments, the deletion module may specifically include:

[0200] a generating submodule, for generating prompt information in response to the fifth input, to prompt the user that the payment device will delete the target information;

[0201] The deletion submodule is used to delete the target information in the payment device when the time for generating the prompt information reaches a preset time.

[0202] The payment device of the embodiment of the present application can provide the user with a temporary payment account for scan code payment by generating instant payment account information based on the card information of the payment card and the device information of the payment device when the communication connection is established between the payment card and the payment device, thereby saving the user the step of manually opening the scan code payment function. By responding to the user's first input of the target payment application in the payment device, the graphic code used for payment, the transaction information corresponding to the graphic code, and the instant payment account information and transaction information are sent to the transaction platform, so that the transaction platform can settle the transaction based on the instant payment account information and transaction information. In this way, through the embodiment of the present application, when the collection method is graphic code payment and the payment method is bank card payment, the normal payment can be guaranteed, thereby solving the problem of mismatch between the payment method and the collection method and ensuring the user's payment experience.

[0203] like Fig.10 As shown, the payment device 1000 applied to the transaction platform provided in the embodiment of the present application includes the following modules:

[0204] The first receiving module 1010 is used to receive instant payment account information and transaction information sent by the payment device, wherein the instant payment account information is generated according to the device information of the payment device and the card information of the payment card when the payment device establishes a communication connection with the payment card, and the transaction information is the transaction information corresponding to the graphic code, and the graphic code is the graphic code used for payment obtained when the payment device receives the first input of the user to the target payment application in the payment device;

[0205] The settlement module 1020 is used to perform transaction settlement based on the instant payment account information and transaction information.

[0206] The payment device 1000 is described in detail below, as follows:

[0207] In some embodiments, the payment device 1000 may further include:

[0208] a third receiving module, configured to receive, before receiving the instant payment account information and transaction information sent by the payment device, a graphic code generation request including card information and device information sent by the payment device when the payment card and the payment device establish a communication connection, the graphic code generation request being used to request the transaction platform to generate a first graphic code based on the card information and the device information, the instant payment account information including the card information and the device information;

[0209] A second generating module, configured to convert the card number in the card information into a payment token in response to the graphic code generation request, and to generate a device number according to the device information;

[0210] The third generating module is used to generate the first graphic code according to the issuing agency information, payment mark and device number of the graphic code.

[0211] The payment device of the embodiment of the present application can provide the user with a temporary payment account for scan code payment by generating instant payment account information according to the card information of the payment card and the device information of the payment device through the payment device when a communication connection is established between the payment card and the payment device, thereby saving the user the step of manually opening the scan code payment function. When the payment device receives the first input of the user to the target payment application in the payment device, it obtains the graphic code used for payment, the transaction information corresponding to the graphic code, and sends the instant payment account information and transaction information to the transaction platform, so that the transaction platform can settle the transaction based on the instant payment account information and transaction information. In this way, through the embodiment of the present application, when the collection method is graphic code payment and the payment method is bank card payment, the normal payment can be guaranteed, thereby solving the problem of mismatch between the payment method and the collection method and ensuring the user's payment experience.

[0212] Based on the payment method provided in the above embodiment, the embodiment of the present application also provides a specific implementation of the electronic device. Fig.11 A schematic diagram of an electronic device 1100 provided in an embodiment of the present application is shown.

[0213] The electronic device 1100 may include a processor 1110 and a memory 1120 storing computer program instructions.

[0214] Specifically, the processor 1110 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0215] The memory 1120 may include a large capacity memory for data or instructions. By way of example and not limitation, the memory 1120 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. Where appropriate, the memory 1120 may include a removable or non-removable (or fixed) medium. Where appropriate, the memory 1120 may be inside or outside the electronic device 1100. In a particular embodiment, the memory 1120 is a non-volatile solid-state memory.

[0216] The memory may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Thus, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to the first aspect of the present application.

[0217] The processor 1110 implements any one of the payment methods in the above embodiments by reading and executing computer program instructions stored in the memory 1120 .

[0218] In one example, the electronic device 1100 may further include a communication interface 1130 and a bus 1140. Fig.11 As shown, the processor 1110, the memory 1120, and the communication interface 1130 are connected via a bus 1140 and communicate with each other.

[0219] The communication interface 1130 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0220] Bus 1140 includes hardware, software or both, and the parts of electronic equipment are coupled to each other.For example, but not limitation, bus may include accelerated graphics port (AGP) or other graphics bus, enhanced industrial standard architecture (EISA) bus, front side bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations. In appropriate cases, bus 1140 may include one or more buses. Although the present application embodiment describes and shows a specific bus, the application considers any suitable bus or interconnection.

[0221] Exemplarily, the electronic device 1100 may be a mobile phone, a tablet computer, a laptop computer, a PDA, an in-vehicle electronic device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA).

[0222] The electronic device can execute the payment method in the embodiment of the present application, thereby realizing the combination Figures 1 to 10 Payment methods and devices are described.

[0223] In addition, in combination with the payment method in the above embodiment, the embodiment of the present application can provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by a processor, any one of the payment methods in the above embodiment is implemented.

[0224] It should be clear that the present application is not limited to the specific configuration and processing described above and shown in the figures. For the sake of simplicity, a detailed description of the known method is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present application is not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application.

[0225] The functional blocks shown in the above-described block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. The program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segment can be downloaded via a computer network such as the Internet, an intranet, etc.

[0226] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the embodiment, or in a different order from the embodiment, or several steps can be performed simultaneously.

[0227] The above reference is according to the method of the embodiment of the present application, the flow chart of the device (system) and the computer program product and / or the block diagram described various aspects of the present application.It should be understood that each square box in the flow chart and / or the block diagram and the combination of each square box in the flow chart and / or the block diagram can be realized by computer program instructions.These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function / action specified in one or more square boxes of the flow chart and / or the block diagram.Such a processor can be but is not limited to a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit.It can also be understood that each square box in the block diagram and / or the flow chart and the combination of the square boxes in the block diagram and / or the flow chart can also be realized by the dedicated hardware that performs the specified function or action, or can be realized by the combination of dedicated hardware and computer instructions.

[0228] The above is only a specific implementation of the present application. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the protection scope of the present application is not limited to this. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in this application, and these modifications or replacements should be included in the protection scope of this application.

Claims

1. A payment method, characterized in that: Applied to a payment device, the method comprises: When a communication connection is established between the payment card and the payment device, obtaining card information of the payment card and device information of the payment device; generating instant payment account information based on the card information and the device information; receiving a first input from a user to a target payment application in the payment device; In response to the first input, obtaining a graphic code for payment; Acquiring transaction information corresponding to the graphic code; The instant payment account information and the transaction information are sent to a transaction platform, so that the transaction platform performs transaction settlement based on the instant payment account information and the transaction information.

2. The method according to claim 1, characterized in that The target payment application includes the scanned payment application, the graphic code includes a first graphic code, and in response to the first input, obtaining the graphic code for payment includes: In response to the first input, sending a graphic code generation request including the card information and the device information to the transaction platform, wherein the graphic code generation request is used to instruct the transaction platform to generate the first graphic code based on the card information and the device information; Receive and display the first graphic code sent by the trading platform.

3. The method according to claim 2, characterized in that The transaction information includes the first dynamic transaction data and the card password of the payment card, and the acquiring of the transaction information corresponding to the graphic code includes: receiving a data acquisition request sent by the transaction platform, the data acquisition request being used to instruct the payment device to acquire the first dynamic transaction data and the card password, the data acquisition request being generated by the transaction platform when receiving target graphic code information, the first graphic code information being graphic code information obtained by scanning the first graphic code by a code scanning device; In response to the data acquisition request, the first dynamic transaction data and the card password are acquired.

4. The method according to claim 2, characterized in that: When the time interval between the transaction time corresponding to the first graphic code and the time of applying for the first graphic code is greater than the preset time interval, the first graphic code is invalid. The time of applying for the code is the time when the payment device sends the request for generating the graphic code to the transaction platform. The transaction time is the time when the transaction platform settles the transaction based on the instant payment account information and the transaction information.

5. The method according to claim 2, characterized in that: The first graphic code becomes invalid after the transaction platform performs transaction settlement based on the instant payment account information and the transaction information.

6. The method according to claim 2, characterized in that After receiving and displaying the first graphic code sent by the trading platform, the method further includes: receiving a second input from a user for updating the first graphic code; In response to the second input, a graphic code update request including the card information and the device information is sent to the transaction platform, wherein the graphic code update request is used to instruct the transaction platform to generate a new first graphic code based on the card information and the device information.

7. The method according to claim 1, characterized in that The target payment application includes a main scanning payment application, the graphic code includes a second graphic code provided by a merchant, and in response to the first input, obtaining a graphic code for payment includes: In response to the first input, the second graphical code is scanned.

8. The method according to claim 7, characterized in that The transaction information includes the second dynamic transaction data and the card password of the payment card, and the acquiring of the transaction information corresponding to the graphic code includes: generating and displaying a payment link corresponding to the second graphic code; receiving a third input of a user entering a payment amount in the payment link; In response to the third input, obtaining second dynamic transaction data including the payment amount; receiving a fourth input from a user for inputting a card password of the payment card; In response to the fourth input, the card password is acquired.

9. The method according to any one of claims 1 to 8, characterized in that: When the payment card establishes a communication connection with the payment device, obtaining the card information of the payment card and the device information of the payment device includes: When a communication connection is established between the payment card and the payment device, obtaining card information of the payment card; Verify the payment card based on the card information to obtain a verification result; When the verification result is that the verification is passed, the device information of the payment device is obtained.

10. The method according to any one of claims 1 to 8, characterized in that: After sending the instant payment account information and the transaction information to the transaction platform, the method further includes: receiving a fifth input from a user for disconnecting the communication connection between the payment card and the payment device; In response to the fifth input, target information in the payment device is deleted, the target information being information related to the payment card.

11. The method according to claim 10, characterized in that In response to the fifth input, deleting the target information in the payment device includes: In response to the fifth input, generating a prompt message to prompt the user that the payment device will delete the target information; When the time duration for generating the prompt information reaches a preset time duration, the target information in the payment device is deleted.

12. A payment method, characterized in that: Applied to a trading platform, the method comprises: receiving instant payment account information and transaction information sent by a payment device, wherein the instant payment account information is generated according to device information of the payment device and card information of the payment card when the payment device establishes a communication connection with the payment card, and the transaction information is transaction information corresponding to a graphic code, and the graphic code is a graphic code for payment obtained when the payment device receives a first input of a user to a target payment application in the payment device; Transaction settlement is performed based on the instant payment account information and the transaction information.

13. The method according to claim 12, characterized in that Before receiving the instant payment account information and transaction information sent by the payment device, the method further includes: In the case where the payment card establishes a communication connection with the payment device, receiving a graphic code generation request including the card information and the device information sent by the payment device, the graphic code generation request being used to request the transaction platform to generate a first graphic code based on the card information and the device information, the instant payment account information including the card information and the device information; In response to the graphic code generation request, convert the card number in the card information into a payment token, and generate a device number according to the device information; The first graphic code is generated according to the information of the issuing agency of the graphic code, the payment mark and the device number.

14. A payment device, characterized in that: The device comprises: A first acquisition module, configured to acquire card information of the payment card and device information of the payment device when a communication connection is established between the payment card and the payment device; A first generating module, configured to generate instant payment account information according to the card information and the device information; A first receiving module, configured to receive a first input from a user to a target payment application in the payment device; A second acquisition module, configured to acquire a graphic code for payment in response to the first input; A third acquisition module, used to acquire transaction information corresponding to the graphic code; The first sending module is used to send the instant payment account information and the transaction information to the transaction platform, so that the transaction platform performs transaction settlement based on the instant payment account information and the transaction information.

15. A payment device, characterized in that: The device comprises: a first receiving module, configured to receive instant payment account information and transaction information sent by a payment device, wherein the instant payment account information is generated according to device information of the payment device and card information of the payment card when the payment device establishes a communication connection with the payment card, and the transaction information is transaction information corresponding to a graphic code, wherein the graphic code is a graphic code for payment obtained when the payment device receives a first input of a user to a target payment application in the payment device; A settlement module is used to perform transaction settlement based on the instant payment account information and the transaction information.

16. An electronic device, characterized in that: The electronic device comprises: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the payment method as described in any one of claims 1-11 or 12-13 is implemented.

17. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the payment method as described in any one of claims 1-11 or 12-13.

18. A computer program product, characterized in that When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device executes the payment method as described in any one of claims 1-11 or 12-13.

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