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

Abstract

The invention discloses a payment method and device, electronic equipment, a storage medium and a program product, and belongs to the technical field of electronics. The method comprises the steps that under the condition that a payment label is detected, payment information of the payment label is acquired, and the payment information comprises payment application information and payment amount information; according to the payment application information, displaying an application payment page corresponding to the payment application information, the application payment page including the payment amount information; and under the condition that payment input of the application payment page is received, payment is carried out according to the payment amount information.

Description

Technical Field

[0001] The present application belongs to the field of electronic technology, and specifically relates to an electronic payment method, device, electronic equipment, storage medium and program product. Background Art

[0002] With the rapid development of Internet technology, electronic payment methods such as mobile payment and online payment have been widely used. Electronic payment provides a convenient payment experience and improves the security and efficiency of transactions through digital means.

[0003] Taking the process of a user paying at a cashier via a mobile phone as an example, the user first clicks on the application logo of the payment application in the mobile phone to display the application interface of the payment application on the mobile phone. Then the user needs to click on the "payment" control and perform identity confirmation, such as fingerprint verification, password verification, etc., so that the mobile phone can recognize the user's identity information and display the payment code. Finally, the user shows the payment code to the code scanning device at the cashier to complete the payment.

[0004] However, users need to make multiple inputs when using electronic devices to make payments, which makes the operation more complicated and reduces payment efficiency. Summary of the invention

[0005] The purpose of the embodiments of the present application is to provide a payment method, device, electronic device, storage medium and program product, which can reduce operation complexity and improve payment efficiency.

[0006] In a first aspect, an embodiment of the present application provides a payment method, the method comprising: when a payment tag is detected, obtaining payment information of the payment tag, the payment information including payment application information and payment amount information; based on the above payment application information, displaying an application payment page corresponding to the payment application information, the application payment page including the above payment amount information; when payment input to the application payment page is received, making payment with the above payment amount information.

[0007] In a second aspect, an embodiment of the present application provides a payment device, which includes: an acquisition module, a display module and an execution module. The acquisition module is used to acquire the payment information of the payment tag when a payment tag is detected, and the payment information includes payment application information and payment amount information. The display module is used to display the application payment page corresponding to the payment application information according to the payment application information acquired by the acquisition module, and the application payment page includes the payment amount information. The execution module is used to make payment with the payment amount information when receiving payment input for the application payment page displayed by the display module.

[0008] In a third aspect, an embodiment of the present application provides an electronic device, which includes a processor and a memory, wherein the memory stores programs or instructions that can be run on the processor, and when the program or instructions are executed by the processor, the steps of the method described in the first aspect are implemented.

[0009] In a fourth aspect, an embodiment of the present application provides a readable storage medium, on which a program or instruction is stored, and when the program or instruction is executed by a processor, the steps of the method described in the first aspect are implemented.

[0010] In a fifth aspect, an embodiment of the present application provides a chip, comprising a processor and a communication interface, wherein the communication interface is coupled to the processor, and the processor is used to run a program or instruction to implement the method described in the first aspect.

[0011] In a sixth aspect, an embodiment of the present application provides a computer program product, which is stored in a storage medium and is executed by at least one processor to implement the method described in the first aspect.

[0012] In the embodiment of the present application, when a payment tag is detected, the payment information of the payment tag can be obtained, including payment application information and payment amount information, and then the application payment page corresponding to the payment application information can be displayed according to the payment application information, and the application payment page includes the payment amount information. When the payment input to the application interface is received, the payment is made with the payment amount. In this solution, the payment information can be directly obtained by detecting the payment tag, that is, the payment application and payment amount required for payment can be known through the payment information written in the payment tag, so that the payment page of the payment application including the payment amount can be directly displayed, that is, it can automatically jump to the payment page and automatically fill in the payment amount, so that the user does not need to manually open the payment page and fill in the payment amount, which saves the user's operation, reduces the complexity of operation, and improves payment efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] Figure 1 This is one of the flow charts of the payment method provided in the embodiment of the present application;

[0014] Figure 2 This is the second flow chart of the payment method provided in the embodiment of the present application;

[0015] Figure 3 It is a schematic diagram of identity authentication provided in an embodiment of the present application;

[0016] Figure 4 This is the third flow chart of the payment method provided in the embodiment of the present application;

[0017] Figure 5This is the fourth flow chart of the payment method provided in the embodiment of the present application;

[0018] Figure 6 This is the fifth flow chart of the payment method provided in the embodiment of the present application;

[0019] Figure 7 is a schematic diagram of selecting a payment tag for payment provided in an embodiment of the present application;

[0020] Figure 8 This is the sixth flow chart of the payment method provided in the embodiment of the present application;

[0021] Fig. 9 It is a schematic diagram of the execution process of the payment method provided in the embodiment of the present application;

[0022] Fig.10 is a schematic diagram of a payment device provided in an embodiment of the present application;

[0023] Fig.11 is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application;

[0024] Fig.12 It is a schematic diagram of the hardware structure of the electronic device provided in the embodiment of the present application. DETAILED DESCRIPTION

[0025] The following will be combined with the drawings in the embodiments of the present application to clearly describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, rather than all the embodiments. All other embodiments obtained by ordinary technicians in this field based on the embodiments in the present application belong to the scope of protection of this application.

[0026] The terms "first", "second", etc. in the specification and claims of the present application are used to distinguish similar objects, and are not used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable under appropriate circumstances, so that the embodiments of the present application can be implemented in an order other than those illustrated or described here, and the objects distinguished by "first", "second", etc. are generally of one type, and the number of objects is not limited. For example, the first object can be one or more. In addition, "and / or" in the specification and claims represents at least one of the connected objects, and the character " / " generally indicates that the objects associated with each other are in an "or" relationship.

[0027] The terms "at least one (item)", "at least one of" and the like in this application refer to any one, any two or a combination of more than two of the objects included therein. For example, at least one (item) of a, b, and c can be represented by: "a", "b", "c", "a and b", "a and c", "b and c" and "a, b and c", where a, b, and c can be single or multiple. Similarly, "at least two (items)" refers to two or more, and its meaning is similar to that of "at least one (item)".

[0028] The payment method, device, electronic device, storage medium and program product provided in the embodiments of the present application are described in detail below with reference to the accompanying drawings through specific embodiments and their application scenarios.

[0029] The embodiments of the present application can be applied to scenarios where electronic devices are used for payment. Specifically, scenarios where electronic devices are used for payment include: retail shopping payment, restaurant payment, service payment, entertainment and leisure payment, public transportation payment, public service payment, etc.

[0030] For example, taking retail shopping payment as an example, in supermarkets, clothing stores, electrical appliance stores and other stores, customers can pay their shopping bills through electronic devices.

[0031] As another example, taking food payment as an example, in restaurants, cafes, fast food restaurants and other dining venues, customers can use electronic devices to pay for their meals.

[0032] As another example, taking service payment as an example, in places where services are provided, such as barber shops, laundromats, and repair shops, customers can settle service fees by paying through electronic devices.

[0033] As another example, taking entertainment and leisure payment as an example, customers can use electronic devices to pay when buying tickets at a cinema, recharging gym membership cards, entering tourist attractions, etc.

[0034] As another example, taking public transportation payment as an example, when taking a taxi, bus or subway, passengers can use electronic devices to pay for tickets or recharge transportation cards.

[0035] As another example, taking public service payment as an example, in public places such as hospital registration, school payment, government service hall, etc., you can use electronic devices to pay relevant fees.

[0036] At present, in the scenario of using electronic devices for payment, users can pay by scanning QR codes or presenting payment codes. Taking the process of users paying at the cashier through mobile phones as an example, the user first clicks on the application logo of the payment application in the mobile phone so that the mobile phone displays the application interface of the payment application. Then the user needs to click on the "payment" control and perform identity confirmation, such as fingerprint verification, password verification and other operations, so that the mobile phone can recognize the user's identity information and display the payment code. Finally, the user shows the payment code to the code scanning device at the cashier to complete the payment. However, users need to input multiple times when using electronic devices to pay, which makes the operation more complicated and reduces payment efficiency.

[0037] The embodiments of the present application provide a payment method, device, electronic device, storage medium and program product. The electronic device can directly obtain payment information by detecting a payment tag, that is, through the payment information written in the payment tag, the payment application and payment amount required for payment are known, so that the electronic device can directly display the payment page of the payment application including the payment amount, that is, the electronic device can automatically jump to the payment page and automatically fill in the payment amount, so that the user does not need to manually open the payment page and fill in the payment amount, which saves the user's operation, reduces the operation complexity and improves the payment efficiency.

[0038] The execution subject of the payment method provided in the embodiment of the present application may be a payment device, which may be an electronic device, or a functional module or functional entity in the electronic device. The technical solution provided in the embodiment of the present application is described below using an electronic device as an example.

[0039] Figure 1 A flow chart of a payment method provided in an embodiment of the present application is shown. Figure 1 As shown, the payment method provided in the embodiment of the present application may include the following steps 201 to 203.

[0040] Step 201: When a payment tag is detected, the electronic device obtains payment information of the payment tag.

[0041] In the embodiment of the present application, the above-mentioned payment information includes payment application information and payment amount information.

[0042] In the embodiment of the present application, the above-mentioned payment application information is the information of the payment application used for payment. When the electronic device obtains the payment application information, the payment application corresponding to the payment application information can be selected from the electronic device for payment through the payment application information.

[0043] It should be noted that the above-mentioned payment tag is also called a Near Field Communication (NFC) tag, which is a passive tag based on NFC technology that can store and transmit data. When a device with NFC function is close, communication can be carried out through an electromagnetic field. The NFC tag can encapsulate data in the Near Field Communication Data Exchange Format (NDEF). NDEF is a lightweight data exchange format specifically designed for transmitting data over an NFC link. The NDEF tag can contain one or more NDEF records, which encapsulate the actual data payload and can contain various types of data, such as a Uniform Resource Identifier (URI), text, phone number, etc. Among them, the URI is a string used to identify the name of an Internet resource, which allows the user to interact with any (including local and Internet) resource through a specific protocol. In the embodiment of the present application, in the embodiment of the present application, the NFC tag may include a URI in the NDEF format, each URI may correspond to a payment application and a payment amount, and the electronic device can obtain the payment application and payment amount corresponding to the URI by reading the URI in the payment tag.

[0044] In an embodiment of the present application, the electronic device can generate a high-frequency electromagnetic field. When the payment tag enters the electromagnetic field, the small coil inside the tag can capture the electromagnetic field and obtain energy from it, so that the microcircuit of the tag is activated and communicates data with the electronic device, sending the payment information stored therein to the electronic device.

[0045] In the embodiment of the present application, the above-mentioned "payment tag is detected" can be understood as the presence of a payment tag in the recognition area of ​​the electronic device, that is, the payment tag enters the spatial area where the payment tag can be effectively activated and read. At this time, the payment tag will be awakened, allowing the electronic device to detect the payment tag.

[0046] In an embodiment of the present application, the above-mentioned payment tag contains preset payment amount information. When the electronic device obtains the payment information in the payment tag, the obtained payment information includes the payment amount information.

[0047] Optionally, in the embodiment of the present application, combined with Figure 1 ,like Figure 2 As shown, the above step 201 can be specifically implemented through the following step 201a.

[0048] Step 201a: When the screen of the electronic device is off, if the electronic device detects a payment tag, the payment information of the payment tag is obtained.

[0049] It should be noted that the above-mentioned electronic device screen being in the off state can be understood as: the electronic device is in the turned-on state, and the electronic device screen is in the locked screen off state, and in addition, the application corresponding to the above-mentioned payment application information is in the background running state or not running state.

[0050] Optionally, in an embodiment of the present application, when the screen of the electronic device is off, the electronic device can determine whether the user needs to use the payment function through an infrared sensor or an inertial sensor, and if it is determined that the user needs to use the payment function, identify a nearby payment tag, thereby obtaining the payment information of the payment tag when the payment tag is detected.

[0051] It should be noted that for the relevant instructions on how the electronic device determines whether the user needs to use the payment function through the infrared sensor or the inertial sensor, please refer to the description in the following embodiments, which will not be repeated here.

[0052] In this way, even when the screen of the electronic device is off, it can still identify nearby payment tags and obtain payment information of the payment tags, thereby improving the convenience and efficiency of payment.

[0053] Step 202: The electronic device displays an application payment page corresponding to the payment application information based on the payment application information.

[0054] In an embodiment of the present application, the above-mentioned application payment page includes the above-mentioned payment amount information.

[0055] In the embodiment of the present application, the above-mentioned payment application information corresponds to the payment application, and the electronic device can determine the corresponding payment application based on the obtained payment application information. The electronic device has a built-in function of automatically starting the application according to the payment application information, so that the electronic device can automatically open the corresponding application and display the corresponding application payment page. This process can be unnoticed by the user, that is, after the user brings the mobile phone close to the payment tag, the payment application is immediately started, and the user can seamlessly jump to the application payment page without additional operation, thereby improving the user experience.

[0056] In the embodiment of the present application, the electronic device can transmit the payment amount information to the payment application in the electronic device, so that the payment page inside the application can automatically fill in the amount corresponding to the payment amount information into the payment amount field in the payment page. The user does not need to manually enter the amount, but only needs to confirm that the amount information filled in is correct before proceeding to the next payment operation, which greatly improves the payment efficiency.

[0057] Step 203: Upon receiving payment input from the user on the application payment page, the electronic device makes payment using the payment amount information.

[0058] In an embodiment of the present application, the above payment input is used to make payment with payment amount information.

[0059] Optionally, in the embodiment of the present application, when a user uses an electronic device to make a payment, for the sake of the security of the user's payment, it is often necessary to confirm the user's identity, thereby preventing unauthorized transactions and protecting the user's property safety. The payment input in the embodiment of the present application is used to confirm the user's identity, and when the user's identity is legitimate, the electronic device makes the payment.

[0060] Optionally, in an embodiment of the present application, the above-mentioned payment input may include but is not limited to any of the following: input of a static password, input of a dynamic password, input of fingerprint recognition, input of facial recognition, input of voiceprint recognition, etc.

[0061] In an embodiment of the present application, after the electronic device displays the application payment page corresponding to the payment application information and fills in the amount corresponding to the payment amount information into the payment amount field in the payment page, the user can input the payment so that the electronic device confirms the user's identity and makes payment based on the payment amount information, thereby ensuring the security of the transaction.

[0062] For example, the electronic device is a mobile phone. Figure 3 As shown in (a) of Figure 1, user Xiao Zhang bought several books in a bookstore for a total of 120 yuan. Xiao Zhang used his mobile phone to pay. On the payment page 20 that pops up, the payment application automatically identified the payment amount of 120 yuan and displayed it in the payment amount field 21. After Xiao Zhang confirmed that the amount was correct, he authenticated his identity through the fingerprint recognition button 22. After the identity verification was passed, the payment was successful, and 120 yuan was automatically deducted from Xiao Zhang's account. Figure 3 As shown in (b) in the figure, a prompt page 23 indicating successful payment is displayed.

[0063] Optionally, in an embodiment of the present application, when the amount corresponding to the above payment amount information is less than the payment threshold, the electronic device can make payment directly with the payment amount information without the user having to input payment. The payment threshold may be a default for the electronic device or a user-preset value. For example, the payment threshold may be 0 yuan, 10 yuan, 20 yuan, etc., which may be determined based on actual usage requirements and is not limited in the embodiment of the present application.

[0064] Optionally, in an embodiment of the present application, the above-mentioned payment input may include a touch input to a payment control in the above-mentioned application payment page to trigger the electronic device to make a payment.

[0065] For example, user Xiao Zhang goes to a restaurant for lunch at noon, and he has set the payment threshold to 20 yuan. Xiao Zhang spends 15 yuan for lunch. When Xiao Zhang uses his mobile phone to pay, since the consumption amount is within the payment threshold preset by Xiao Zhang, Xiao Zhang can automatically complete the payment without entering the payment password. In this way, Xiao Zhang can quickly complete the payment and enjoy a convenient dining experience.

[0066] Optionally, in an embodiment of the present application, when an electronic device makes a payment using payment amount information, if the payment amount corresponding to the payment amount information is greater than the total amount in the payment application corresponding to the payment amount information, that is, the amount to be paid is greater than the remaining amount in the payment application, the electronic device can prompt the user by displaying a prompt message, playing a voice prompt message, etc., such as displaying a "insufficient balance" prompt message.

[0067] Optionally, in an embodiment of the present application, when the amount corresponding to the above payment amount information is less than the payment threshold, if the payment amount of the electronic device within the payment cycle is greater than the limit threshold, the electronic device can suspend payment and prompt the user by displaying a prompt message or playing a voice prompt message, for example, displaying a prompt message of "the limit has been reached", and continuing to pay after confirming the identity of the user through the payment input. For example, the payment cycle can be 1 day, 2 days, 3 days, etc., and the limit threshold can be 50 yuan, 100 yuan, 200 yuan, etc., which can be determined according to actual usage requirements, and the embodiment of the present application is not limited. In this way, the electronic device can prevent unauthorized transactions and protect the property safety of the user when the payment amount is less than or equal to the payment threshold.

[0068] An embodiment of the present application provides a payment method, and an electronic device can directly obtain payment information by detecting a payment tag, that is, through the payment information written in the payment tag, the electronic device can know the payment application and payment amount required for payment, so that the electronic device can directly display the payment page of the payment application including the payment amount, that is, the electronic device can automatically jump to the payment page and automatically fill in the payment amount, so that the user does not need to manually open the payment page and fill in the payment amount, which saves the user's operation, reduces the operation complexity, and improves the payment efficiency.

[0069] Optionally, in the embodiment of the present application, combined with Figure 1 ,like Figure 4 As shown, before the above step 201, the payment method provided in the embodiment of the present application also includes the following steps 301 and 302.

[0070] Step 301: The electronic device obtains infrared signal strength.

[0071] In the embodiment of the present application, the above-mentioned infrared signal strength is the strength of the reflected signal of the infrared signal emitted by the electronic device.

[0072] In the embodiment of the present application, the above-mentioned infrared signal is an infrared signal sent by the electronic device through an infrared sensor for performing infrared detection.

[0073] It should be noted that the above-mentioned infrared sensors usually include an infrared transmitter and an infrared detector. The infrared transmitter can emit infrared light (also called infrared signal) in real time. When these infrared lights encounter objects, they will be reflected back to the infrared detector. The infrared detector receives the reflected infrared light and converts it into electrical signals. By analyzing the intensity, frequency or phase changes of these electrical signals, the infrared sensor can detect the existence, movement or specific gestures of objects.

[0074] In an embodiment of the present application, after the electronic device transmits an infrared signal through an infrared transmitter, the electronic device can detect the strength of the received infrared signal through an infrared detector. The greater the signal strength, the closer the nearby object is to the electronic device; conversely, the smaller the signal strength, the farther the nearby object is from the electronic device. In this way, by regularly sending infrared signals and detecting the infrared signal strength, the electronic device can detect whether the distance between the electronic device and nearby objects changes at different times, that is, whether the electronic device or the surrounding objects move, so as to determine that the user needs to use the electronic device to pay when the electronic device or the surrounding objects move.

[0075] Step 302: When the change in the infrared signal strength is greater than or equal to a first threshold, the electronic device turns on a tag support mode.

[0076] In an embodiment of the present application, the above-mentioned tag support mode is used to detect the above-mentioned payment tag.

[0077] It should be noted that the tag support mode is also called TAG_SUPPOURT mode, which is a continuous polling state of the electronic device to continuously read or write tag data. In this mode, the NFC controller periodically activates the NFC antenna, searches for surrounding NFC tags, and tries to establish communication with them. Once a tag is detected, the NFC device can read the information in the tag or write data to the tag.

[0078] In the embodiment of the present application, in order to enable the NFC chip in the electronic device to continuously transmit the polling signal, the electronic device can enable the tag support mode by modifying a specific hardware register so that the NFC chip ignores the normal communication protocol and continuously broadcasts the paging signal until a valid payment tag response is detected. Because in this mode, the electronic device is always in a ready state, the time required to establish communication between the electronic device and the payment tag can be significantly reduced, thereby improving the communication efficiency between the electronic device and the payment tag.

[0079] In an embodiment of the present application, when the change in infrared signal strength is greater than or equal to a first threshold, the electronic device can determine that the electronic device or a nearby object has moved, such as the electronic device leaving the desktop, or the user's hand approaching the electronic device, etc., thereby determining that the user needs to use the electronic device to make a payment, so that the electronic device can turn on the tag support mode and detect the payment tag.

[0080] Optionally, in the embodiment of the present application, the first threshold value may be a default value of the electronic device or a preset value by the user. For example, the first threshold value may be 10 microwatts (μW), 1 milliwatt (mW), or 10 mW. The specific value may be determined according to actual use requirements, and the embodiment of the present application does not limit this.

[0081] Exemplarily, taking the first threshold of 40 microwatts as an example, when user Xiao Zhang is having lunch in a restaurant, he puts his mobile phone on the table. At this time, the infrared signal strength detected by the mobile phone is 30 microwatts, the mobile phone remains in standby mode, and the tag support mode is not turned on. When Xiao Zhang has finished lunch and checks out, he picks up the mobile phone from the table. At this time, due to the change in the position of the mobile phone and possible slight changes in the surrounding environment, the infrared signal strength detected by the mobile phone becomes 80 microwatts, a change of 50 microwatts, which is greater than the first threshold of 40 microwatts. The mobile phone can determine that Xiao Zhang needs to pay, so that the mobile phone can turn on the tag support mode and continue to detect payment tags in the surrounding environment. Once the payment tag is detected, the mobile phone will automatically prepare to pay, providing Xiao Zhang with a smooth payment experience.

[0082] In this way, the electronic device can determine whether the user needs to make a payment by detecting the change in the intensity of the infrared signal. When the electronic device determines that the user needs to pay, it turns on the tag support mode and automatically detects the payment tags in the nearby environment, reducing the time required to establish communication between the electronic device and the payment tags and improving the communication efficiency between the electronic device and the payment tags.

[0083] Optionally, in the embodiment of the present application, combined with Figure 1 ,like Figure 5As shown, before the above step 201, the payment method provided in the embodiment of the present application also includes the following steps 401 and 402.

[0084] Step 401: The electronic device obtains motion information of the electronic device.

[0085] Optionally, in an embodiment of the present application, the above-mentioned motion information includes but is not limited to at least one of the following: speed information, acceleration information, displacement information, direction information, angular velocity information, angular acceleration information, etc.

[0086] In an embodiment of the present application, the electronic device can detect the motion information of the electronic device through an acceleration sensor in the electronic device. The acceleration sensor detects the motion information of the electronic device by measuring the acceleration change of the electronic device in three spatial dimensions. When the acceleration of the electronic device changes, the mass block inside the sensor will be displaced, and this displacement is converted into an electrical signal through a change in capacitance or a piezoelectric effect, so that the electronic device can calculate the motion information of the electronic device by performing data analysis on these electrical signals. For example, when the user Xiao Zhang is running, the smart watch on Xiao Zhang's wrist can detect a series of acceleration changes through the built-in acceleration sensor.

[0087] Step 402: When the change amount of the motion information is greater than or equal to the second threshold, the electronic device turns on the tag support mode.

[0088] In an embodiment of the present application, the above-mentioned tag support mode is used to detect the above-mentioned payment tag.

[0089] In an embodiment of the present application, when the change in motion information is greater than or equal to a second threshold, the electronic device can determine that the electronic device has moved, such as the user picks up the electronic device from a desktop, or the user takes the electronic device out of a pocket, etc., thereby determining that the user needs to use the electronic device for payment, so that the electronic device can turn on the tag support mode and detect the payment tag.

[0090] Optionally, in the embodiment of the present application, the second threshold may be a default value of the electronic device or a preset value by the user. For example, the second threshold may be 4 meters per square second, 5 meters per square second, 6 meters per square second, etc. The specific value may be determined according to actual use requirements, and the embodiment of the present application does not limit this.

[0091] For example, assuming that the second threshold is 5 meters per square second, user Xiao Zhang is ready to check out after shopping at a convenience store. At the moment when Xiao Zhang picks up the phone from the shopping cart to pay, the acceleration sensor of the phone detects a significant acceleration change, reaching 7 meters per square second. Since the acceleration change is greater than the second threshold (7 meters per square second is greater than 5 meters per square second), the phone determines that Xiao Wang may need to make a payment, automatically turns on the tag support mode, and starts to continuously detect payment tags.

[0092] In this way, the electronic device can determine whether the user needs to make a payment by detecting the change in motion information. When the electronic device determines that the user needs to pay, it turns on the tag support mode and automatically detects payment tags in the nearby environment, reducing the time required to establish communication between the electronic device and the payment tag and improving the communication efficiency between the electronic device and the payment tag.

[0093] Optionally, in the embodiment of the present application, after the above step 302 or step 402, the payment method provided in the embodiment of the present application also includes the following step 501.

[0094] Step 501: If no payment tag is detected within a preset time period, the electronic device turns off the tag support mode.

[0095] Optionally, in the embodiment of the present application, the above-mentioned preset duration may be a default duration of the electronic device or a preset duration of the user. For example, the above-mentioned preset duration may be 10 seconds, 15 seconds, 20 seconds, etc. The specific duration may be determined according to actual use requirements, and the embodiment of the present application does not limit it.

[0096] For example, assuming that the preset duration is 15 seconds, user Xiao Zhang is shopping at a convenience store and is ready to use his mobile phone to pay. He takes his mobile phone out of his pocket, and the accelerometer of the mobile phone detects a significant change in motion information, judging that Xiao Zhang may need to pay, thus turning on the tag support mode and continuing it for 15 seconds. Xiao Zhang suddenly receives a call and decides to answer the call before paying. It takes Xiao Zhang 30 seconds to answer the call, so during the 15 seconds when the tag support mode is turned on, Xiao Zhang does not bring the phone close to the payment tag, so the phone does not detect any payment tags, and automatically turns off the tag support mode after the preset duration of 15 seconds to save power and avoid unnecessary resource consumption.

[0097] In this way, the electronic device can automatically turn off the tag support mode if no payment tag is detected within a period of time when the tag support mode is turned on, thereby reducing the waste of power resources and improving battery life when the user does not need to make a payment.

[0098] Optionally, in the embodiment of the present application, after the above step 203, the payment method provided in the embodiment of the present application also includes the following step 204.

[0099] Step 204: If it is detected that the payment is completed, the electronic device turns off the tag support mode.

[0100] Optionally, in an embodiment of the present application, after a user uses an electronic device to make a payment, the electronic device can receive a payment completion signal transmitted to the electronic device by the payment application, so that the electronic device can turn off the tag support mode to save power and avoid continuous detection of unnecessary signals.

[0101] For example, user Xiao Zhang wants to use his mobile phone to pay in a coffee shop. After Xiao Zhang takes the mobile phone out of his pocket, the infrared sensor of the mobile phone detects a significant change in signal strength, determines that Xiao Zhang has a payment demand, and turns on the tag support mode. Xiao Zhang puts the mobile phone close to the payment tag, and the mobile phone immediately detects the payment tag and displays the payment application and payment amount. After Xiao Zhang confirms the payment and completes the transaction, the payment application transmits a payment completion signal to the mobile phone. The mobile phone receives the payment completion signal, so that the mobile phone turns off the tag support mode.

[0102] In this way, the electronic device can automatically turn off the tag support mode after the payment is completed, thereby reducing the waste of power resources and improving battery life.

[0103] Optionally, in the embodiment of the present application, the payment information includes the payment application information. Figure 1 ,like Figure 6 As shown, before the above step 201, the payment method provided in the embodiment of the present application also includes the following step 601, and the above step 201 can be specifically implemented through the following step 602.

[0104] Step 601: The electronic device uses the write function of NFC to write payment application information into the URI of the payment tag.

[0105] In the embodiment of the present application, the above-mentioned writing function is a function of NFC writing data into an NFC tag, and the electronic device can use its NFC module to write data into the NFC tag.

[0106] In the embodiment of the present application, the electronic device updates or creates a payment tag through the writing function of NFC to store payment information or other related instructions. For example, a merchant can use a dedicated NFC device to write payment information into an NFC tag for customers to pay.

[0107] Optionally, in an embodiment of the present application, after the electronic device detects the payment tag, it can establish a connection with the payment tag and check whether the payment tag is writable. If the payment tag is writable and the payment tag has enough space to store new data, the electronic device can create an NDEF formatted message containing payment application information and write the NDEF formatted message to the URI of the payment tag.

[0108] For example, in order to meet the payment needs of users using different payment applications, a supermarket has set up three payment tags at the checkout counter, namely payment tag 1, payment tag 2, and payment tag 3. Taking payment tag 1 as an example, the cashier uses the cash register device to connect to payment tag 1 and check whether payment tag 1 is writable. When payment tag 1 is writable and the payment tag has enough space to store new data, the cash register device uses the NFC writing function to write the payment application information of application A in NDEF format to the URI of payment tag 1. Similarly, the cash register device can write the payment application information of application B into payment tag 2 and the payment application information of application C into payment tag 3, so that customers can freely choose to use application A, application B or application C for payment by placing the electronic device used for payment close to different payment tags, which improves the customer's payment experience.

[0109] Step 602: When a payment tag is detected, the electronic device reads the URI of the payment tag to obtain payment application information.

[0110] Optionally, in an embodiment of the present application, after the electronic device establishes a connection with the payment tag, the NDEF format message in the payment tag can be decoded by the NFC reader in the electronic device, and the URI stored therein can be extracted, and then the electronic device can determine the format and content of the URI. For example, the URI may be a Hypertext Transfer Protocol (HTTP) or Hypertext Transfer Protocol Secure (HTTPS) link pointing to the webpage of the payment service provider. Thus, the electronic device can determine the payment application information based on the parsed URI information.

[0111] For example, Figure 7As shown in (a) in the figure, Xiao Zhang checks out at the checkout counter after shopping in a supermarket. There are payment tag 24, payment tag 25, and payment tag 26 in front of the checkout counter, where payment tag 24 includes payment application information D, payment tag 25 includes payment application information E, and payment tag 26 includes payment application information F. Xiao Zhang takes out mobile phone 27 from his pocket and brings mobile phone 27 close to payment tag 24, so that mobile phone 27 can detect payment tag 24 and establish a connection with payment tag 24. The NDEF format message in payment tag 24 is decoded by the NFC reader in the mobile phone, the URI stored therein is extracted, and the payment application information D is obtained by parsing, as shown in FIG. Figure 7 As shown in (b) in FIG. 1 , the mobile phone can display the payment application interface 28 corresponding to the payment application information D.

[0112] In this way, electronic devices can pre-configure different payment tags through the NFC writing function, and write different payment application information in different payment tags, so that users can freely choose the application used for payment to adapt to the payment preferences of different users, thereby improving users' payment efficiency and payment experience.

[0113] Optionally, in the embodiment of the present application, the payment information includes the payment application information. Figure 1 ,like Figure 8 As shown, before the above step 201, the payment method provided in the embodiment of the present application also includes the following step 701, and the above step 201 can be specifically implemented through the following step 702.

[0114] Step 701: Upon receiving an input of payment amount information, the electronic device uses the write function of NFC to write the payment amount information into a data unit of the payment tag.

[0115] Optionally, in an embodiment of the present application, after the electronic device detects the payment tag, it can establish a connection with the payment tag. When the payment tag is in a writable state and the payment tag has sufficient space to store new data, the electronic device can create an NDEF formatted message containing the payment amount information and write the NDEF formatted message to the URI of the payment tag.

[0116] Step 702: When a payment tag is detected, the electronic device reads a data unit of the payment tag to obtain payment amount information.

[0117] For example, after shopping in a supermarket, Xiao Zhang checks out at the checkout counter. After the cashier scans the product barcode, the cash register automatically calculates the payment amount and initializes the connection with the payment tag. The cash register checks whether the payment tag is writable and confirms that there is enough space to store the payment amount information. If the payment tag storage control is sufficient, the cash register automatically constructs an NDEF message based on the payment amount information and writes the NDEF message into the URI of the payment tag. Xiao Zhang takes out his mobile phone from his pocket to turn on the tag support mode of the mobile phone. Then Xiao Zhang brings the mobile phone close to the payment tag so that the mobile phone can detect the payment tag and establish a connection with the payment tag. The NDEF format message in the payment tag is decoded by the NFC reader in the mobile phone, the URI stored therein is extracted, and parsed to obtain the payment amount.

[0118] In this way, the electronic device can write the payment amount into the payment tag through the NFC writing function, so that the user can automatically obtain the payment amount when using the electronic device to make a payment without the need for manual input by the user, thereby improving the user's payment efficiency and payment experience.

[0119] Fig. 9 Schematic diagram of the execution process of the payment method provided in the embodiment of the present application. Fig. 9 As shown, the payment method provided in the embodiment of the present application may include the following steps 10 to 18.

[0120] Step 10: When the tag support mode is turned off, the electronic device continues to emit infrared signals and continuously detects the infrared signal strength.

[0121] Step 11: When the change in the infrared signal strength is greater than or equal to the first threshold, the electronic device turns on the tag support mode.

[0122] Step 12: Whether the electronic device detects the payment tag within a preset time period.

[0123] If the electronic device detects the payment tag within the preset time, the following step 13 is executed; if the electronic device does not detect the payment tag within the preset time, the following step 16 is executed;

[0124] Step 13: The electronic device determines the payment application to be used and the payment amount.

[0125] Step 14: The electronic device displays the payment page corresponding to the payment application and enters the payment amount.

[0126] Step 15: Upon receiving the payment input, the electronic device makes payment with the payment amount.

[0127] Step 16: The electronic device turns off the tag support mode.

[0128] Each of the above-mentioned method embodiments, or various possible implementation methods in each method embodiment can be executed separately, or any two or more of them can be executed in combination with each other. The specific implementation method can be determined according to actual usage requirements, and the embodiments of the present application do not limit this.

[0129] The payment method provided in the embodiment of the present application can be executed by a payment device. In the embodiment of the present application, the payment method executed by a payment device is taken as an example to illustrate the payment device provided in the embodiment of the present application.

[0130] Fig.10 A possible structural diagram of a payment device involved in some embodiments of the present application is shown. Fig.10 As shown, the payment device 70 may include: an acquisition module 71 , a display module 72 and an execution module 73 .

[0131] The acquisition module 71 is used to acquire payment information of the payment tag when a payment tag is detected, and the payment information includes payment application information and payment amount information.

[0132] The display module 72 is used to display the application payment page corresponding to the payment application information obtained by the obtaining module 71, and the application payment page includes payment amount information.

[0133] The execution module 73 is configured to make payment using the payment amount information upon receiving payment input on the application payment page displayed by the display module 72 .

[0134] In a possible implementation, the acquisition module 71 is specifically configured to acquire payment information of a payment tag if a payment tag is detected when the screen of the electronic device is off.

[0135] In a possible implementation, the acquisition module 71 is further used to acquire the infrared signal strength before acquiring the payment information of the payment tag when the payment tag is detected, and the infrared signal strength is the strength of the reflected signal of the infrared signal emitted by the electronic device. The execution module 73 is also used to enable the tag support mode when the change in the infrared signal strength acquired by the acquisition module 71 is greater than or equal to the first threshold, and the tag support mode is used to detect the payment tag.

[0136] In a possible implementation, the acquisition module 71 is further configured to acquire the motion information of the electronic device before acquiring the payment information of the payment tag when the payment tag is detected. The execution module 73 is further configured to enable the tag support mode for detecting the payment tag when the change in the motion information acquired by the acquisition module 71 is greater than or equal to the second threshold.

[0137] In a possible implementation, the execution module 73 is further configured to close the tag support mode if no payment tag is detected within a preset time period after the tag support mode is turned on.

[0138] In a possible implementation, the execution module 73 is further configured to close the tag support mode if it is detected that the payment is completed after the payment is made using the payment amount information.

[0139] In a possible implementation, the payment information includes the payment application information. The execution module 73 is also used to write the payment application information into the uniform resource identifier URI of the payment tag using the write function of the near field communication NFC before the acquisition module 71 acquires the payment information of the payment tag when the payment tag is detected. The acquisition module 71 is specifically used to read the URI of the payment tag to obtain the payment application information.

[0140] In a possible implementation, the payment information includes the payment amount information. The execution module 73 is further configured to, upon receiving an input of the payment amount information, write the payment amount information into a data unit of the payment tag using a write function of NFC. The acquisition module 71 is specifically configured to read the data unit of the payment tag to obtain the payment amount information.

[0141] A payment device is provided in an embodiment of the present application. The payment device can directly obtain payment information by detecting a payment tag, that is, through the payment information written in the payment tag, the payment application and payment amount required for payment can be known, so that the payment device can directly display the payment page of the payment application including the payment amount, that is, the payment device can automatically jump to the payment page and automatically fill in the payment amount, so that the user does not need to manually open the payment page and fill in the payment amount, which saves the user's operation, reduces the operation complexity and improves the payment efficiency.

[0142] The payment device in the embodiment of the present application can be an electronic device, or a component in the electronic device, such as an integrated circuit or a chip. The electronic device can be a terminal, or other devices other than a terminal. Exemplarily, the electronic device can be a mobile phone, a tablet computer, a laptop computer, a PDA, a vehicle-mounted electronic device, a mobile Internet device (Mobile Internet Device, MID), an augmented reality (augmented reality, AR) / virtual reality (virtual reality, VR) device, a robot, a wearable device, an ultra-mobile personal computer (ultra-mobile personal computer, UMPC), a netbook or a personal digital assistant (personal digital assistant, PDA), etc., and can also be a server, a network attached storage (Network Attached Storage, NAS), a personal computer (personal computer, PC), a television (television, TV), a teller machine or a self-service machine, etc., which is not specifically limited in the embodiment of the present application.

[0143] The payment device in the embodiment of the present application may be a device having an operating system. The operating system may be an Android operating system, an iOS operating system, or other possible operating systems, which are not specifically limited in the embodiment of the present application.

[0144] The payment device provided in the embodiment of the present application can implement each process implemented in the above method embodiment, and will not be described again here to avoid repetition.

[0145] Alternatively, if Fig.11 As shown, an embodiment of the present application further provides an electronic device 1000, including a processor 1001 and a memory 1002, wherein the memory 1002 stores programs or instructions that can be executed on the processor 1001, and when the program or instructions are executed by the processor 1001, the various steps of the above-mentioned payment method embodiment are implemented, and the same technical effect can be achieved. To avoid repetition, they are not described here.

[0146] It should be noted that the electronic devices in the embodiments of the present application include the mobile electronic devices and non-mobile electronic devices mentioned above.

[0147] Fig.12 A schematic diagram of the hardware structure of an electronic device to implement an embodiment of the present application.

[0148] The electronic device 100 includes but is not limited to components such as a radio frequency unit 101, a network module 102, an audio output unit 103, an input unit 104, a sensor 105, a display unit 106, a user input unit 107, an interface unit 108, a memory 109, and a processor 110.

[0149] Those skilled in the art will appreciate that the electronic device 100 may also include a power source (such as a battery) for supplying power to various components, and the power source may be logically connected to the processor 110 through a power management system, thereby implementing functions such as managing charging, discharging, and power consumption management through the power management system. Fig.12 The electronic device structure shown in the figure does not constitute a limitation on the electronic device. The electronic device may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently, which will not be described in detail here.

[0150] The processor 110 is used to obtain payment information of the payment tag when a payment tag is detected, and the payment information includes payment application information and payment amount information.

[0151] The display unit 106 is used to display an application payment page corresponding to the payment application information according to the payment application information, and the application payment page includes payment amount information.

[0152] The processor 110 is further configured to make payment using the payment amount information upon receiving payment input on the application payment page.

[0153] In a possible implementation, the processor 110 is specifically configured to obtain payment information of a payment tag if a payment tag is detected when the screen of the electronic device is off.

[0154] In a possible implementation, the processor 110 is further configured to obtain infrared signal strength before obtaining payment information of the payment tag when the payment tag is detected, where the infrared signal strength is the strength of the reflected signal of the infrared signal emitted by the electronic device. The processor 110 is further configured to enable a tag support mode for detecting payment tags when a change in the infrared signal strength obtained by the processor 110 is greater than or equal to a first threshold. The tag support mode is configured to detect payment tags.

[0155] In a possible implementation, the processor 110 is further configured to, when a payment tag is detected, obtain motion information of the electronic device before obtaining payment information of the payment tag. The processor 110 is further configured to, when a change in the motion information is greater than or equal to a second threshold, enable a tag support mode, which is used to detect a payment tag.

[0156] In a possible implementation, the processor 110 is further configured to, after the tag support mode is turned on, turn off the tag support mode if no payment tag is detected within a preset time period.

[0157] In a possible implementation, the processor 110 is further configured to close the tag support mode if it is detected that the payment is completed after the payment is made using the payment amount information.

[0158] In a possible implementation, the payment information includes the payment application information. The processor 110 is further configured to, when a payment tag is detected, write the payment application information into the uniform resource identifier URI of the payment tag using a write function of near field communication NFC before obtaining the payment information of the payment tag. The processor 110 is specifically configured to read the URI of the payment tag to obtain the payment application information.

[0159] In a possible implementation, the payment information includes the payment amount information. The processor 110 is further configured to, upon receiving an input of the payment amount information, write the payment amount information into a data unit of the payment tag using a write function of NFC. The processor 110 is specifically configured to read the data unit of the payment tag to obtain the payment amount information.

[0160] An embodiment of the present application provides an electronic device, which can directly obtain payment information by detecting a payment tag, that is, the electronic device can obtain the payment application and payment amount required for payment through the payment information written in the payment tag, so that the electronic device can directly display the payment page of the payment application including the payment amount, that is, the electronic device can automatically jump to the payment page and automatically fill in the payment amount, so that the user does not need to manually open the payment page and fill in the payment amount, which saves the user's operation, reduces the operation complexity and improves the payment efficiency.

[0161] The electronic device provided in the embodiment of the present application can implement each process implemented in the above method embodiment, and can achieve the same technical effect. To avoid repetition, it is not repeated here. The beneficial effects of various implementations in this embodiment can be specifically referred to the beneficial effects of the corresponding implementations in the above method embodiment. To avoid repetition, it is not repeated here.

[0162] It should be understood that in the embodiment of the present application, the input unit 104 may include a graphics processor (Graphics Processing Unit, GPU) 1041 and a microphone 1042, and the graphics processor 1041 processes the image data of a static picture or video obtained by an image capture device (such as a camera) in a video capture mode or an image capture mode. The display unit 106 may include a display panel 1061, and the display panel 1061 may be configured in the form of a liquid crystal display, an organic light emitting diode, etc. The user input unit 107 includes a touch panel 1071 and at least one of other input devices 1072. The touch panel 1071 is also called a touch screen. The touch panel 1071 may include two parts: a touch detection device and a touch controller. Other input devices 1072 may include, but are not limited to, a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, and a joystick, which will not be repeated here.

[0163] The memory 109 can be used to store software programs and various data. The memory 109 may mainly include a first storage area for storing programs or instructions and a second storage area for storing data, wherein the first storage area may store an operating system, an application program or instructions required for at least one function (such as a sound playback function, an image playback function, etc.), etc. In addition, the memory 109 may include a volatile memory or a non-volatile memory, or the memory 109 may include both volatile and non-volatile memories. Among them, the non-volatile memory may be a read-only memory (ROM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), an electrically erasable programmable read-only memory (EEPROM), or a flash memory. The volatile memory may be a random access memory (RAM), a static random access memory (SRAM), a dynamic random access memory (DRAM), a synchronous dynamic random access memory (SDRAM), a double data rate synchronous dynamic random access memory (DDRSDRAM), an enhanced synchronous dynamic random access memory (ESDRAM), a synchronous link dynamic random access memory (SLDRAM) and a direct memory bus random access memory (DRRAM). The memory 109 in the embodiment of the present application includes but is not limited to these and any other suitable types of memory.

[0164] The processor 110 may include one or more processing units; optionally, the processor 110 integrates an application processor and a modem processor, wherein the application processor mainly processes operations related to an operating system, a user interface, and application programs, and the modem processor mainly processes wireless communication signals, such as a baseband processor. It is understandable that the modem processor may not be integrated into the processor 110.

[0165] An embodiment of the present application also provides a readable storage medium, on which a program or instruction is stored. When the program or instruction is executed by a processor, the various processes of the above-mentioned payment method embodiment are implemented and the same technical effect can be achieved. To avoid repetition, it will not be repeated here.

[0166] The processor is the processor in the electronic device described in the above embodiment. The readable storage medium includes a computer readable storage medium, such as a computer read-only memory ROM, a random access memory RAM, a magnetic disk or an optical disk.

[0167] An embodiment of the present application further provides a chip, which includes a processor and a communication interface, wherein the communication interface is coupled to the processor, and the processor is used to run programs or instructions to implement the various processes of the above-mentioned payment method embodiment, and can achieve the same technical effect. To avoid repetition, it will not be repeated here.

[0168] It should be understood that the chip mentioned in the embodiments of the present application can also be called a system-level chip, a system chip, a chip system or a system-on-chip chip, etc.

[0169] An embodiment of the present application provides a computer program product, which is stored in a storage medium. The program product is executed by at least one processor to implement the various processes of the payment method embodiment described above, and can achieve the same technical effect. To avoid repetition, it will not be repeated here.

[0170] It should be noted that, in this article, the terms "comprise", "include" or any other variant thereof are intended to cover non-exclusive inclusion, so that the process, method, article or device including a series of elements includes not only those elements, but also includes other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise one..." do not exclude the presence of other identical elements in the process, method, article or device including the element. In addition, it should be pointed out that the scope of the methods and devices in the embodiments of the present application is not limited to performing functions in the order shown or discussed, and may also include performing functions in a substantially simultaneous manner or in reverse order according to the functions involved, for example, the described method may be performed in an order different from that described, and various steps may also be added, omitted, or combined. In addition, the features described with reference to certain examples may be combined in other examples.

[0171] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a computer software product, which is stored in a storage medium (such as ROM / RAM, a disk, or an optical disk), and includes a number of instructions for a terminal (which can be a mobile phone, a computer, a server, or a network device, etc.) to execute the methods described in each embodiment of the present application.

[0172] The embodiments of the present application are described above in conjunction with the accompanying drawings, but the present application is not limited to the above-mentioned specific implementation methods. The above-mentioned specific implementation methods are merely illustrative and not restrictive. Under the guidance of the present application, ordinary technicians in this field can also make many forms without departing from the purpose of the present application and the scope of protection of the claims, all of which are within the protection of the present application.

Claims

1. A payment method, characterized in that: include: When a payment tag is detected, obtaining payment information of the payment tag, wherein the payment information includes payment application information and payment amount information; According to the payment application information, displaying an application payment page corresponding to the payment application information, wherein the application payment page includes the payment amount information; Upon receiving payment input to the application payment page, payment is made using the payment amount information.

2. The method according to claim 1, characterized in that The step of acquiring payment information of the payment tag when the payment tag is detected includes: When the screen of the electronic device is off, if the payment tag is detected, the payment information of the payment tag is obtained.

3. The method according to claim 1, characterized in that In the case where the payment tag is detected, before obtaining the payment information of the payment tag, the method further includes: Acquire infrared signal strength, where the infrared signal strength is the strength of a reflected signal of an infrared signal emitted by an electronic device; When the change in the infrared signal strength is greater than or equal to a first threshold, a tag support mode is turned on, where the tag support mode is used to detect the payment tag.

4. The method according to claim 1, characterized in that: In the case where the payment tag is detected, before obtaining the payment information of the payment tag, the method further includes: Obtaining motion information of electronic devices; When the change amount of the motion information is greater than or equal to the second threshold, a tag support mode is turned on, where the tag support mode is used to detect the payment tag.

5. The method according to claim 3 or 4, characterized in that: After the tag support mode is turned on, the method further includes: If the payment tag is not detected within a preset time period, the tag support mode is turned off.

6. The method according to claim 3 or 4, characterized in that: After the payment is made using the payment amount information, the method further includes: If payment completion is detected, the tag support mode is closed.

7. The method according to claim 1, characterized in that The payment information includes the payment application information; In the case where the payment tag is detected, before obtaining the payment information of the payment tag, the method further includes: Using the write function of near field communication (NFC), the payment application information is written into the uniform resource identifier (URI) of the payment tag; The obtaining the payment information of the payment tag includes: The URI of the payment tag is read to obtain the payment application information.

8. The method according to claim 1 or 7, characterized in that: The payment information includes the payment amount information; When receiving the input of the payment amount information, using the write function of NFC to write the payment amount information into the data unit of the payment tag; The obtaining the payment information of the payment tag includes: The data unit of the payment tag is read to obtain the payment amount information.

9. A payment device, characterized in that: include: Acquisition module, display module and execution module; The acquisition module is used to acquire payment information of the payment tag when a payment tag is detected, wherein the payment information includes payment application information and payment amount information; The display module is used to display an application payment page corresponding to the payment application information according to the payment application information obtained by the obtaining module, wherein the application payment page includes the payment amount information; The execution module is used to make payment using the payment amount information when receiving payment input on the application payment page displayed by the display module.

10. The device according to claim 9, characterized in that The acquisition module is specifically used for: When the screen of the electronic device is off, if the payment tag is detected, the payment information of the payment tag is obtained.

11. The device according to claim 9, characterized in that The acquisition module is further configured to acquire infrared signal strength before acquiring payment information of the payment tag when the payment tag is detected, wherein the infrared signal strength is the strength of a reflected signal of an infrared signal emitted by the electronic device; The execution module is further configured to enable a tag support mode when the change in the infrared signal strength acquired by the acquisition module is greater than or equal to a first threshold, wherein the tag support mode is configured to detect the payment tag.

12. The device according to claim 9, characterized in that The acquisition module is further configured to acquire the motion information of the electronic device before acquiring the payment information of the payment tag when the payment tag is detected; The execution module is further configured to enable a tag support mode when the change amount of the motion information acquired by the acquisition module is greater than or equal to a second threshold, and the tag support mode is configured to detect the payment tag.

13. The device according to claim 11 or 12, characterized in that The execution module is further configured to close the tag support mode if the payment tag is not detected within a preset time period after the tag support mode is turned on.

14. The device according to claim 11 or 12, characterized in that The execution module is further configured to close the tag support mode if it is detected that the payment is completed after the payment is made using the payment amount information.

15. The device according to claim 9, characterized in that The payment information includes the payment application information; The execution module is further configured to, when the payment tag is detected, write the payment application information into the uniform resource identifier URI of the payment tag by using a write function of near field communication NFC before the acquisition module acquires the payment information of the payment tag; The acquisition module is specifically used to read the URI of the payment tag to obtain the payment application information.

16. The device according to claim 9 or 15, characterized in that The payment information includes the payment amount information; The execution module is further configured to, upon receiving an input of the payment amount information, write the payment amount information into a data unit of the payment tag using a write function of NFC; The acquisition module is specifically used to read the data unit of the payment tag to obtain the payment amount information.

17. An electronic device, characterized in that: The method comprises a processor and a memory, wherein the memory stores a program or instruction that can be run on the processor, and when the program or instruction is executed by the processor, the steps of the payment method according to any one of claims 1 to 8 are implemented.

18. A readable storage medium, characterized in that: The readable storage medium stores a program or instruction, and when the program or instruction is executed by a processor, the steps of the payment method according to any one of claims 1 to 8 are implemented.

19. A computer program product, characterized in that The program product is stored in a storage medium, and the program product is executed by at least one processor to implement the payment method according to any one of claims 1 to 8.

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