POS payment method and device, computer device and storage device

Abstract

The invention belongs to the technical field of electronic information, and particularly relates to a POS payment method and device, a computer device and a storage device, and the POS payment method comprises the following steps: receiving a security house renting query signal transmitted by a client; sending a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the security house rent query signal, and sending security house rent bill information matched with the client to the POS terminal; receiving a guarantee house renting payment success signal transmitted by the POS terminal; and according to the guarantee house renting payment success signal, generating guarantee house renting information, and sending the guarantee house renting information to the client. According to the POS payment method provided by the invention, the tenants do not need to prepare a large number of cash sources, the POS terminal can provide payment modes of two-dimensional code scanning, bar code scanning and bank card swiping, the payment modes are diversified, and different requirements of the tenants are met.

Description

Technical Field

[0001] The present invention belongs to the field of electronic information technology, and in particular to a POS payment method, device, computer device and storage device. Background Art

[0002] Affordable housing is a special type of housing in my country's urban residential construction. It usually refers to housing that is planned and coordinated by the government in accordance with national policies, laws and regulations, and provided to specific groups of people. The construction and rental standards of this type of housing are limited, and it plays a social security role.

[0003] The existing rent payment methods for affordable housing include cash payment, which is more troublesome and requires tenants to prepare sufficient cash sources. There is also a public account payment method, which pushes the rent bill to the user's mobile phone through the public account, and the user completes the rent payment by operating the mobile phone. This method is not comprehensive enough, and users can only complete the payment operation by scanning the QR code. Summary of the invention

[0004] Based on this, the purpose of the present invention is to provide a POS payment method, device, computer device and storage device to fundamentally solve the problem that the existing affordable housing rent payment method is relatively cumbersome and not comprehensive enough.

[0005] The embodiment of the present invention is implemented by providing a POS payment method, comprising the following steps:

[0006] Receive the affordable housing rent inquiry signal transmitted by the client;

[0007] Sending a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, and sending affordable housing rent bill information matching the client to the POS terminal;

[0008] Receiving a successful payment signal of the affordable housing rent transmitted by the POS terminal;

[0009] The affordable housing rent information is generated according to the affordable housing rent payment success signal, and the affordable housing rent information is sent to the client.

[0010] In some embodiments, after sending a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, the following steps are included:

[0011] Detecting whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state;

[0012] The step of sending the affordable housing rent bill information that matches the client to the POS terminal includes the following steps:

[0013] If it is detected that the client, the POS terminal and the communication connection between the client and the POS terminal are not in an abnormal state, the affordable housing rental bill information matching the client is sent to the POS terminal.

[0014] In some embodiments, the detecting whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state comprises the following steps:

[0015] Detecting the security factor of the client, the POS terminal and the communication connection between the client and the POS terminal;

[0016] It is determined whether the safety factor is lower than a safety factor threshold, thereby determining whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state.

[0017] In some embodiments, the detecting the security factor of the client, the POS terminal, and the communication connection between the client and the POS terminal comprises the following steps:

[0018] Extracting characteristic information from the client, the POS terminal, and the communication connection between the client and the POS terminal;

[0019] The feature information is input into a trained machine learning model so that the machine learning model outputs a learning result, and the learning result is used to characterize the safety factor.

[0020] In some embodiments, the training process of the machine learning model includes the following steps:

[0021] Acquire a historical payment data set, the historical payment data set comprising training feature information extracted from the client, the POS terminal, and a communication connection between the client and the POS terminal according to the historical payment data;

[0022] Dividing the historical payment dataset into a training set and a test set;

[0023] The machine learning model is iteratively trained based on the training set and the test set to generate a trained machine learning model.

[0024] In some embodiments, after generating the affordable housing rent information according to the affordable housing rent payment success signal, the following steps are included:

[0025] A comparative analysis file for comparative analysis with horizontal and vertical types of affordable housing is generated according to the affordable housing rent information, and the comparative analysis file is sent to the client.

[0026] In some embodiments, before receiving the affordable housing rent inquiry signal transmitted by the client, the following steps are included:

[0027] Receive login information transmitted by the client;

[0028] Extracting login feature information based on the login information, randomly slicing the login feature information, and comparing the slicing information with at least two independently stored slice sets, thereby verifying the login information;

[0029] The generation process of the at least two independently stored slice sets includes the following steps:

[0030] The registration information transmitted by the client is obtained, registration feature information is extracted based on the registration information, the registration feature information is randomly sliced, and the slices are stored in at least two independently stored slice sets respectively.

[0031] Another embodiment of the present invention further provides a POS payment device, comprising:

[0032] A query signal receiving unit, used to receive a public housing rent query signal transmitted by a client;

[0033] A bill information sending unit, configured to send a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, and send affordable housing rent bill information matching the client to the POS terminal;

[0034] A payment success signal receiving unit, used to receive a rent payment success signal of the affordable housing transmitted by the POS terminal;

[0035] A rent information sending unit is used to generate affordable housing rent information according to the affordable housing rent payment success signal, and send the affordable housing rent information to the client.

[0036] Another embodiment of the present invention further provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the POS payment method as described in any one of the embodiments of the present invention when executing the computer program.

[0037] Another embodiment of the present invention further provides a storage device, wherein the storage device stores a computer program, and the computer program can be executed to implement the steps of the POS payment method as described in any one of the embodiments of the present invention.

[0038] In the POS payment method provided by the embodiment of the present invention, the client sends an affordable housing rent query signal to the server. After receiving the affordable housing rent query signal, the server sends a wake-up signal to the POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, and sends the affordable housing rent bill information that matches the client to the POS terminal. The client interacts with the POS terminal to complete the rent payment. The POS terminal sends an affordable housing rent payment success signal to the server. After receiving the affordable housing rent payment success signal, the server generates affordable housing rent information according to the affordable housing rent payment success signal, and sends the affordable housing rent information to the client. The above-mentioned POS payment method can be completed by the staff carrying the POS terminal to the door of the tenant's house source, or the tenant goes to a designated location and operates the POS terminal by himself or by the staff. The tenant does not need to prepare a large amount of cash source, and the POS terminal can provide payment methods such as QR code scanning, barcode scanning and bank card swiping. The payment methods are diverse to meet the different needs of tenants. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] Figure 1 It is a flowchart of a POS payment method provided by an embodiment of the present invention;

[0040] Figure 2 It is a schematic diagram of the structure of a POS payment device provided in an embodiment of the present invention;

[0041] The following specific implementations will further illustrate the present invention in conjunction with the above-mentioned drawings. DETAILED DESCRIPTION

[0042] In order to facilitate the understanding of the present invention, the present invention will be described more fully below with reference to the relevant drawings. Several embodiments of the present invention are given in the drawings. However, the present invention can be implemented in many different forms and is not limited to the embodiments described herein. On the contrary, the purpose of providing these embodiments is to make the disclosure of the present invention more thorough and comprehensive.

[0043] It should be noted that when an element is referred to as being "fixed to" another element, it may be directly on the other element or there may be a central element. When an element is considered to be "connected to" another element, it may be directly connected to the other element or there may be a central element at the same time. The terms "vertical", "horizontal", "left", "right" and similar expressions used herein are for illustrative purposes only.

[0044] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art of the present invention. The terms used herein in the specification of the present invention are only for the purpose of describing specific embodiments and are not intended to limit the present invention. The term "and / or" used herein includes any and all combinations of one or more related listed items.

[0045] Embodiment 1

[0046] See also Figure 1 , which is a flow chart of a POS payment method (POS stands for Point of Sale) in a first embodiment of the present invention. For ease of explanation, only the part related to the embodiment of the present invention is shown. The POS payment method includes the following steps:

[0047] S10. Receive a public housing rent inquiry signal transmitted by the client.

[0048] After the tenant brings the client (i.e., the mobile phone) to a location near the POS terminal, the tenant operates the client to log in. The login can be done by using an account and password or face scanning. After a successful login, the tenant operates the client to query the rent. The client sends the affordable housing rent query signal to the server, and the server receives the affordable housing rent query signal transmitted by the client.

[0049] Among them, rent includes rent, water and electricity bills, management fees, etc., which are fees that tenants need to pay every month.

[0050] S20. Send a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, and send affordable housing rent bill information matching the client to the POS terminal.

[0051] After receiving the affordable housing rent query signal, the server detects the location of the client and the POS terminal near the client. After detecting the POS terminal within a preset distance threshold range from the client, the server sends a wake-up signal to the POS terminal to wake up the POS terminal and sends the affordable housing rent bill information that matches the client to the POS terminal.

[0052] For example, the preset distance threshold range is within 1 meter. After receiving the affordable housing rent inquiry signal, the server detects the location of the client and whether there is a POS terminal within 1 meter of the client's location. If so, a wake-up signal is sent to the POS terminal and the affordable housing rent bill information that matches the client is sent to the POS terminal.

[0053] Furthermore, if the server detects that there are multiple POS terminals within a preset distance threshold range of the client's location, the server sends relevant information of the multiple POS terminals (including the machine number of each POS terminal) to the client, and the client selects the corresponding POS terminal according to the machine number of the required POS terminal, and feeds back the selection information to the server. The server sends a wake-up signal to the POS terminal corresponding to the selection information, and sends the client's matching affordable housing rental bill information to the POS terminal.

[0054] For example, if the server detects that there are three POS terminals within a preset distance threshold range of the client's location, and the machine numbers of the three POS terminals are 123, 456 and 789 respectively, the server sends relevant information of the three POS terminals to the client. The machine number of the POS terminal required by the tenant is 123. The client selects the POS terminal with the machine number 123 and feeds back the selection information to the server. The server sends a wake-up signal to the POS terminal with the machine number 123, and sends the affordable housing rental bill information that matches the client to the POS terminal.

[0055] S30, receiving the affordable housing rent payment success signal transmitted by the POS terminal.

[0056] After waking up the POS terminal, the POS terminal and the client terminal are connected in communication. After receiving the affordable housing rent bill information, the POS terminal can display the affordable housing rent bill information.

[0057] Tenants can operate the client to complete rent payment by scanning the QR code or barcode (payment code) on the POS terminal. Tenants or staff can also operate the POS terminal to complete rent payment by scanning the QR code or barcode (payment code) on the client. Tenants can also complete rent payment by swiping a bank card on the POS terminal.

[0058] After completing the rent payment, the POS terminal sends a successful payment signal of the affordable housing rent to the server, and the server receives the successful payment signal of the affordable housing rent.

[0059] S40: Generate affordable housing rent information according to the affordable housing rent payment success signal, and send the affordable housing rent information to the client.

[0060] After receiving the successful payment signal of the affordable housing rent, the server generates the affordable housing rent information according to the successful payment signal. The affordable housing rent information includes not only the affordable housing rent bill information, but also payment data such as payment amount and payment time. The server then sends the affordable housing rent information to the client, and the client can display the affordable housing rent information so that the tenant can know the relevant information of the payment. After each payment, the client will receive the affordable housing rent information, so that the tenant can query the relevant information of each payment.

[0061] In the above POS payment method, the staff carries the POS terminal to the door of the tenant's house to provide one-to-one butler-style service to complete the rent payment, or the tenant goes to a designated location, such as the affordable housing management office, and the tenant operates the POS terminal by himself or the staff operates the POS terminal to complete the rent payment. This POS payment method does not require tenants to prepare a large amount of cash source, and the POS terminal can provide payment methods such as QR code scanning, barcode scanning and bank card swiping. The payment methods are diverse to meet the different needs of tenants. Especially for the affordable housing group, which generally has many young people, a high level of education, and quick acceptance of new things, it can give full play to the role of informatization and intelligence.

[0062] In some specific embodiments of the present invention, after sending a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, the following steps are included:

[0063] Detecting whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state;

[0064] The step of sending the affordable housing rent bill information that matches the client to the POS terminal includes the following steps:

[0065] If it is detected that the client, the POS terminal and the communication connection between the client and the POS terminal are not in an abnormal state, the affordable housing rental bill information matching the client is sent to the POS terminal.

[0066] Detect whether the client is in an abnormal state, detect whether the POS terminal is in an abnormal state, and detect whether the communication connection between the client and the POS terminal is in an abnormal state. After the detection, comprehensively judge whether there is an abnormal state. If there is an abnormal state, the server will not send the affordable housing rent bill information that matches the client to the POS terminal. If there is no abnormal state, the server will send the affordable housing rent bill information that matches the client to the POS terminal. By detecting whether there is an abnormal state, and then judging whether to send the affordable housing rent bill information to the POS terminal, payment security is protected, avoiding payment operations under abnormal conditions, resulting in payment failures, or even fund leakage.

[0067] In some specific embodiments of the present invention, the detecting whether the client, the POS terminal and the communication connection between the client and the POS terminal are in an abnormal state comprises the following steps:

[0068] Detecting the security factor of the client, the POS terminal and the communication connection between the client and the POS terminal;

[0069] It is determined whether the safety factor is lower than a safety factor threshold, thereby determining whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state.

[0070] In this embodiment, the security factor of the client, the POS terminal, and the communication connection between the client and the POS terminal is detected, and then it is determined whether the security factor is lower than the security factor threshold. If it is determined that the security factor is lower than the security factor threshold, it is determined that the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state; if it is determined that the security factor is higher than the security factor threshold, it is determined that the client, the POS terminal, and the communication connection between the client and the POS terminal are not in an abnormal state.

[0071] Among them, the security factor of the client, the POS terminal and the communication connection between the client and the POS terminal can be detected. The security factor of the client, the security factor of the POS terminal and the security factor of the communication connection between the client and the POS terminal can be detected, and a security factor can be calculated comprehensively. For example, if it is detected that the firewall protection capability of the client is weak, the calculated result of the security factor of the client will be low. For another example, if it is detected that there is an illegal attack on the client or the POS terminal, the calculated result of the security factor of the client or the POS terminal will be low. For another example, if it is detected that the volatility of the communication connection between the client and the POS is high, the calculated result of the security factor of the communication connection between the client and the POS terminal will be low.

[0072] In addition to the low safety factor mentioned above, there are other abnormal conditions, such as low data transmission rate. Further, the data transmission and reception rate of the client, the data transmission and reception rate of the POS terminal, and the data transmission rate between the client and the POS terminal are detected to comprehensively detect the data transmission rate, and determine whether the data transmission rate is lower than the transmission rate threshold, so as to determine whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state. If the data transmission rate is determined to be lower than the transmission rate threshold, the client, the POS terminal, and the communication connection between the client and the POS terminal are determined to be in an abnormal state; if the data transmission rate is determined to be higher than the transmission rate threshold, the client, the POS terminal, and the communication connection between the client and the POS terminal are determined not to be in an abnormal state.

[0073] In some specific embodiments of the present invention, the step of detecting the security factor of the client, the POS terminal, and the communication connection between the client and the POS terminal comprises the following steps:

[0074] Extracting characteristic information from the client, the POS terminal, and the communication connection between the client and the POS terminal;

[0075] The feature information is input into a trained machine learning model so that the machine learning model outputs a learning result, and the learning result is used to characterize the safety factor.

[0076] Feature information is extracted from the client, POS, and the communication connection between the client and the POS. The feature information may include, for example, the client machine number, the client data fluctuation value, the client network signal value, the client data transceiving rate, the POS machine number, the POS data fluctuation value, the POS network signal value, the POS data transceiving rate, the communication connection stability value between the client and the POS, etc. The feature information is determined by a machine learning model and may also include other information, which is not specifically limited here.

[0077] After extracting the feature information, the feature information is input into the trained machine learning model so that the machine learning model outputs the learning result, which is used to characterize the safety factor. Then, based on the learning result, it is determined whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state.

[0078] In this embodiment, a machine learning model method is used to accurately output learning results for characterizing the safety factor, so that it is possible to accurately determine whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state, thereby ultimately ensuring payment security.

[0079] In some specific embodiments of the present invention, the training process of the machine learning model includes the following steps:

[0080] Acquire a historical payment data set, the historical payment data set comprising training feature information extracted from the client, the POS terminal, and a communication connection between the client and the POS terminal according to the historical payment data;

[0081] Dividing the historical payment dataset into a training set and a test set;

[0082] The machine learning model is iteratively trained based on the training set and the test set to generate a trained machine learning model.

[0083] In this embodiment, a historical payment data set is first obtained. The historical payment data set is a data set extracted from previous actual experience in paying rent for affordable housing. The historical payment data set includes training feature information extracted from the client, the POS terminal, and the communication connection between the client and the POS terminal based on the historical payment data.

[0084] The historical payment data set is divided into a training set and a test set. The data ratio of the training set to the test set can be 9:1, 8:2, or 7:3, or others.

[0085] The machine learning model is iteratively trained based on the training set and the test set to generate a trained machine learning model. The corresponding required feature information can be known through the trained machine learning model. When the machine learning model is applied, the required feature information is extracted from the client, the POS terminal, and the communication connection between the client and the POS terminal, and then input into the machine learning model, and the learning result for representing the safety factor can be output.

[0086] In some specific embodiments of the present invention, after generating the affordable housing rent information according to the affordable housing rent payment success signal, the following steps are included:

[0087] A comparative analysis file for comparative analysis with horizontal and vertical types of affordable housing is generated according to the affordable housing rent information, and the comparative analysis file is sent to the client.

[0088] The horizontal and vertical types of affordable housing include horizontal types of affordable housing, i.e., affordable housing of the same level as the affordable housing corresponding to the affordable housing rent information. For example, if the affordable housing corresponding to the affordable housing rent information is two bedrooms and one living room, then the horizontal type of affordable housing is also two bedrooms and one living room. The horizontal and vertical types of affordable housing also include vertical types of affordable housing, i.e., affordable housing of the previous level type and the next level type corresponding to the affordable housing rent information. For example, if the affordable housing corresponding to the affordable housing rent information is two bedrooms and one living room, then the vertical types of affordable housing are four bedrooms and one living room, three bedrooms and one living room, and one bedroom and one living room.

[0089] The server generates a comparative analysis file for comparative analysis of horizontal and vertical types of affordable housing based on the rent information of affordable housing, and sends the comparative analysis file to the client, which can display the comparative analysis file so that the tenant can know the comparative analysis file. Through big data analysis, relevant data of various types of affordable housing can be collected and compared and analyzed, which helps tenants understand the overall situation of affordable housing, facilitates financial planning and risk control, and thus improves tenants' satisfaction with the use of this POS payment method.

[0090] In some specific implementations of the present invention, before receiving the affordable housing rent inquiry signal transmitted by the client, the following steps are included:

[0091] Receive login information transmitted by the client;

[0092] Extracting login feature information based on the login information, randomly slicing the login feature information, and comparing the slicing information with at least two independently stored slice sets, thereby verifying the login information;

[0093] The generation process of the at least two independently stored slice sets includes the following steps:

[0094] The registration information transmitted by the client is obtained, registration feature information is extracted based on the registration information, the registration feature information is randomly sliced, and the slices are stored in at least two independently stored slice sets respectively.

[0095] When a tenant uses the client for the first time, he / she needs to register. The tenant enters the registration information in the client, which may include account password information and face scan information. The client sends the registration information to the server. After obtaining the registration information, the server extracts the registration feature information based on the registration information, randomly slices the registration feature information, and stores the randomly sliced ​​segments in at least two (for example, two) independently stored slice sets, thereby generating at least two independently stored slice sets.

[0096] Subsequent tenants need to log in when using the client. The tenant enters the login information in the client, which may include account password information or face scan information. For example, if the login information is face scan information, the client sends the face scan information to the server. After obtaining the face scan information, the server extracts the login feature information based on the face scan information, randomly slices the login feature information, and compares it with at least two pre-generated independently stored slice sets to verify the face scan information. If the verification is successful, the tenant's login is successful. If the verification fails, the tenant's login fails. If a certain number of login failures is exceeded, the client is blocked and the server no longer receives the login information transmitted by the client.

[0097] By using random slicing to register and log in clients, the accuracy and legitimacy of identity authentication can be guaranteed, preventing criminals from misusing the client.

[0098] In some specific embodiments of the present invention, the data interaction between the server and the client, and between the server and the POS terminal adopts the md5 encryption method, so as to ensure the confidentiality of the data. Even if the lawbreakers steal the data, they cannot read or crack the data.

[0099] For example, the original string is the concatenation of the following sequence in the interface definition plus the payee key, and the original string is encrypted using md5.

[0100] The original string is:

[0101] signString=estAmt+proType+type+passPhone+rideType+appDate+KEY.

[0102] The signature result is:

[0103] md5(signString).

[0104] Embodiment 2

[0105] See also Figure 2 , which is a schematic diagram of the structure of a POS payment device in the second embodiment of the present invention. For the convenience of explanation, only the parts related to the embodiment of the present invention are shown. The POS payment device includes:

[0106] The query signal receiving unit 11 is used to receive the affordable housing rent query signal transmitted by the client.

[0107] After the tenant brings the client (i.e., the mobile phone) to a location near the POS terminal, the tenant operates the client to log in. The login can be done by using an account and password or face scanning. After a successful login, the tenant operates the client to query the rent. The client sends the affordable housing rent query signal to the server, and the server receives the affordable housing rent query signal transmitted by the client.

[0108] Among them, rent includes rent, water and electricity bills, management fees, etc., which are fees that tenants need to pay every month.

[0109] The bill information sending unit 12 is used to send a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, and send the affordable housing rent bill information matching the client to the POS terminal.

[0110] After receiving the affordable housing rent query signal, the server detects the location of the client and the POS terminal near the client. After detecting the POS terminal within a preset distance threshold range from the client, the server sends a wake-up signal to the POS terminal to wake up the POS terminal and sends the affordable housing rent bill information that matches the client to the POS terminal.

[0111] For example, the preset distance threshold range is within 1 meter. After receiving the affordable housing rent inquiry signal, the server detects the location of the client and whether there is a POS terminal within 1 meter of the client's location. If so, a wake-up signal is sent to the POS terminal and the affordable housing rent bill information that matches the client is sent to the POS terminal.

[0112] Furthermore, if the server detects that there are multiple POS terminals within a preset distance threshold range of the client's location, the server sends relevant information of the multiple POS terminals (including the machine number of each POS terminal) to the client, and the client selects the corresponding POS terminal according to the machine number of the required POS terminal, and feeds back the selection information to the server. The server sends a wake-up signal to the POS terminal corresponding to the selection information, and sends the client's matching affordable housing rental bill information to the POS terminal.

[0113] For example, if the server detects that there are three POS terminals within a preset distance threshold range of the client's location, and the machine numbers of the three POS terminals are 123, 456 and 789 respectively, the server sends relevant information of the three POS terminals to the client. The machine number of the POS terminal required by the tenant is 123. The client selects the POS terminal with the machine number 123 and feeds back the selection information to the server. The server sends a wake-up signal to the POS terminal with the machine number 123, and sends the affordable housing rental bill information that matches the client to the POS terminal.

[0114] The payment success signal receiving unit 13 is used to receive the affordable housing rent payment success signal transmitted by the POS terminal.

[0115] After waking up the POS terminal, the POS terminal and the client terminal are connected in communication. After receiving the affordable housing rent bill information, the POS terminal can display the affordable housing rent bill information.

[0116] Tenants can operate the client to complete rent payment by scanning the QR code or barcode (payment code) on the POS terminal. Tenants or staff can also operate the POS terminal to complete rent payment by scanning the QR code or barcode (payment code) on the client. Tenants can also complete rent payment by swiping a bank card on the POS terminal.

[0117] After completing the rent payment, the POS terminal sends a successful payment signal of the affordable housing rent to the server, and the server receives the successful payment signal of the affordable housing rent.

[0118] The rent information sending unit 14 is used to generate the affordable housing rent information according to the affordable housing rent payment success signal, and send the affordable housing rent information to the client.

[0119] After receiving the successful payment signal of the affordable housing rent, the server generates the affordable housing rent information according to the successful payment signal. The affordable housing rent information includes not only the affordable housing rent bill information, but also payment data such as payment amount and payment time. The server then sends the affordable housing rent information to the client, and the client can display the affordable housing rent information so that the tenant can know the relevant information of the payment. After each payment, the client will receive the affordable housing rent information, so that the tenant can query the relevant information of each payment.

[0120] With the above-mentioned POS payment device, the staff can carry the POS terminal to the door of the tenant's house to provide one-to-one butler-style service and complete the rent payment. Alternatively, the tenant can go to a designated location, such as the affordable housing management office, and the tenant can operate the POS terminal by himself or the staff can operate the POS terminal to complete the rent payment. The POS payment device does not require the tenant to prepare a large amount of cash source, and the POS terminal can provide payment methods such as QR code scanning, barcode scanning and bank card swiping. The payment methods are diverse to meet the different needs of tenants. Especially for the affordable housing group, which generally has many young people, a high level of education, and quick acceptance of new things, it can give full play to the role of informatization and intelligence.

[0121] In some specific embodiments of the present invention, the bill information sending unit includes:

[0122] An abnormality detection module, used to detect whether the client, the POS terminal and the communication connection between the client and the POS terminal are in an abnormal state;

[0123] The bill information sending module is used to send the affordable housing rent bill information matching the client to the POS terminal if it is detected that the client, the POS terminal and the communication connection between the client and the POS terminal are not in an abnormal state.

[0124] Detect whether the client is in an abnormal state, detect whether the POS terminal is in an abnormal state, and detect whether the communication connection between the client and the POS terminal is in an abnormal state. After the detection, comprehensively judge whether there is an abnormal state. If there is an abnormal state, the server will not send the affordable housing rent bill information that matches the client to the POS terminal. If there is no abnormal state, the server will send the affordable housing rent bill information that matches the client to the POS terminal. By detecting whether there is an abnormal state, and then judging whether to send the affordable housing rent bill information to the POS terminal, payment security is protected, avoiding payment operations under abnormal conditions, resulting in payment failures, or even fund leakage.

[0125] In some specific embodiments of the present invention, the anomaly detection module includes:

[0126] A safety factor detection module, used to detect the safety factor of the client, the POS terminal and the communication connection between the client and the POS terminal;

[0127] The judging module is used to judge whether the safety factor is lower than a safety factor threshold, so as to judge whether the client, the POS terminal and the communication connection between the client and the POS terminal are in an abnormal state.

[0128] In this embodiment, the security factor of the client, the POS terminal, and the communication connection between the client and the POS terminal is detected, and then it is determined whether the security factor is lower than the security factor threshold. If it is determined that the security factor is lower than the security factor threshold, it is determined that the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state; if it is determined that the security factor is higher than the security factor threshold, it is determined that the client, the POS terminal, and the communication connection between the client and the POS terminal are not in an abnormal state.

[0129] Among them, the security factor of the client, the POS terminal and the communication connection between the client and the POS terminal can be detected. The security factor of the client, the security factor of the POS terminal and the security factor of the communication connection between the client and the POS terminal can be detected, and a security factor can be calculated comprehensively. For example, if it is detected that the firewall protection capability of the client is weak, the calculated result of the security factor of the client will be low. For another example, if it is detected that there is an illegal attack on the client or the POS terminal, the calculated result of the security factor of the client or the POS terminal will be low. For another example, if it is detected that the volatility of the communication connection between the client and the POS is high, the calculated result of the security factor of the communication connection between the client and the POS terminal will be low.

[0130] In addition to the low safety factor mentioned above, there are other abnormal conditions, such as low data transmission rate. Further, the data transmission and reception rate of the client, the data transmission and reception rate of the POS terminal, and the data transmission rate between the client and the POS terminal are detected to comprehensively detect the data transmission rate, and determine whether the data transmission rate is lower than the transmission rate threshold, so as to determine whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state. If the data transmission rate is determined to be lower than the transmission rate threshold, the client, the POS terminal, and the communication connection between the client and the POS terminal are determined to be in an abnormal state; if the data transmission rate is determined to be higher than the transmission rate threshold, the client, the POS terminal, and the communication connection between the client and the POS terminal are determined not to be in an abnormal state.

[0131] In some specific embodiments of the present invention, the safety factor detection module includes:

[0132] A feature information extraction submodule, used to extract feature information from the client, the POS terminal and the communication connection between the client and the POS terminal;

[0133] The learning result output submodule is used to input the feature information into a trained machine learning model so that the machine learning model outputs a learning result, and the learning result is used to characterize the safety factor.

[0134] Feature information is extracted from the client, POS, and the communication connection between the client and the POS. The feature information may include, for example, the client machine number, the client data fluctuation value, the client network signal value, the client data transceiving rate, the POS machine number, the POS data fluctuation value, the POS network signal value, the POS data transceiving rate, the communication connection stability value between the client and the POS, etc. The feature information is determined by a machine learning model and may also include other information, which is not specifically limited here.

[0135] After extracting the feature information, the feature information is input into the trained machine learning model so that the machine learning model outputs the learning result, which is used to characterize the safety factor. Then, based on the learning result, it is determined whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state.

[0136] In this embodiment, a machine learning model method is used to accurately output learning results for characterizing the safety factor, so that it is possible to accurately determine whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state, thereby ultimately ensuring payment security.

[0137] In some specific embodiments of the present invention, the POS payment device includes:

[0138] A data set acquisition unit, used to acquire a historical payment data set, wherein the historical payment data set includes training feature information extracted from the client, the POS terminal, and the communication connection between the client and the POS terminal according to the historical payment data;

[0139] A data set division unit, used for dividing the historical payment data set into a training set and a test set;

[0140] A training unit is used to iteratively train the machine learning model based on the training set and the test set, so as to generate a trained machine learning model.

[0141] In this embodiment, a historical payment data set is first obtained. The historical payment data set is a data set extracted from previous actual experience in paying rent for affordable housing. The historical payment data set includes training feature information extracted from the client, the POS terminal, and the communication connection between the client and the POS terminal based on the historical payment data.

[0142] The historical payment data set is divided into a training set and a test set. The data ratio of the training set to the test set can be 9:1, 8:2, or 7:3, or others.

[0143] The machine learning model is iteratively trained based on the training set and the test set to generate a trained machine learning model. The corresponding required feature information can be known through the trained machine learning model. When the machine learning model is applied, the required feature information is extracted from the client, the POS terminal, and the communication connection between the client and the POS terminal, and then input into the machine learning model, and the learning result for representing the safety factor can be output.

[0144] In some specific embodiments of the present invention, the POS payment device includes:

[0145] The comparison and analysis unit is used to generate a comparison and analysis file for comparison and analysis with horizontal and vertical types of affordable housing according to the affordable housing rent information, and send the comparison and analysis file to the client.

[0146] The horizontal and vertical types of affordable housing include horizontal types of affordable housing, i.e., affordable housing of the same level as the affordable housing corresponding to the affordable housing rent information. For example, if the affordable housing corresponding to the affordable housing rent information is two bedrooms and one living room, then the horizontal type of affordable housing is also two bedrooms and one living room. The horizontal and vertical types of affordable housing also include vertical types of affordable housing, i.e., affordable housing of the previous level type and the next level type corresponding to the affordable housing rent information. For example, if the affordable housing corresponding to the affordable housing rent information is two bedrooms and one living room, then the vertical types of affordable housing are four bedrooms and one living room, three bedrooms and one living room, and one bedroom and one living room.

[0147] The server generates a comparative analysis file for comparative analysis of horizontal and vertical types of affordable housing based on the rent information of the affordable housing, and sends the comparative analysis file to the client, which can display the comparative analysis file so that the tenant can know the comparative analysis file. Through big data analysis, relevant data of various types of affordable housing can be collected and compared and analyzed, which helps tenants understand the overall situation of affordable housing, facilitates financial planning and risk control, and thus improves tenants' satisfaction with the use of the POS payment device.

[0148] In some specific embodiments of the present invention, the POS payment device includes:

[0149] A login information receiving unit, used to receive login information transmitted by a client;

[0150] a verification unit, configured to extract login feature information based on the login information, randomly slice the login feature information, and compare the slice information with at least two independently stored slice sets, thereby verifying the login information;

[0151] The slice set generation unit is used to obtain registration information transmitted by the client, extract registration feature information based on the registration information, randomly slice the registration feature information, and store them in at least two independently stored slice sets respectively.

[0152] When a tenant uses the client for the first time, he / she needs to register. The tenant enters the registration information in the client, which may include account password information and face scan information. The client sends the registration information to the server. After obtaining the registration information, the server extracts the registration feature information based on the registration information, randomly slices the registration feature information, and stores the randomly sliced ​​segments in at least two (for example, two) independently stored slice sets, thereby generating at least two independently stored slice sets.

[0153] Subsequent tenants need to log in when using the client. The tenant enters the login information in the client, which may include account password information or face scan information. For example, if the login information is face scan information, the client sends the face scan information to the server. After obtaining the face scan information, the server extracts the login feature information based on the face scan information, randomly slices the login feature information, and compares it with at least two pre-generated independently stored slice sets to verify the face scan information. If the verification is successful, the tenant's login is successful. If the verification fails, the tenant's login fails. If a certain number of login failures is exceeded, the client is blocked and the server no longer receives the login information transmitted by the client.

[0154] By using random slicing to register and log in clients, the accuracy and legitimacy of identity authentication can be guaranteed, preventing criminals from misusing the client.

[0155] In some specific embodiments of the present invention, the data interaction between the server and the client, and between the server and the POS terminal adopts the md5 encryption method, so as to ensure the confidentiality of the data. Even if the lawbreakers steal the data, they cannot read or crack the data.

[0156] For example, the original string is the concatenation of the following sequence in the interface definition plus the payee key, and the original string is encrypted using md5.

[0157] The original string is:

[0158] signString=estAmt+proType+type+passPhone+rideType+appDate+KEY.

[0159] The signature result is:

[0160] md5(signString).

[0161] An embodiment of the present invention provides a computer device, the computer device comprising a processor, the processor being configured to implement the steps of the POS payment method as described above when executing a computer program stored in a memory.

[0162] The embodiment of the present invention further provides a computer-readable storage medium on which a computer program (instructions) is stored. When the computer program (instructions) is executed by a processor, the steps of the POS payment method as described above are implemented.

[0163] Exemplarily, the computer program can be divided into one or more modules, one or more modules are stored in the memory and executed by the processor to complete the present invention. One or more modules can be a series of computer program instruction segments that can complete specific functions, and the instruction segments are used to describe the execution process of the computer program in the computer device. For example, the computer program can be divided into the steps of the POS payment method provided by each of the above method embodiments.

[0164] Those skilled in the art will appreciate that the above description of the computer device is merely an example and does not constitute a limitation on the computer device. The computer device may include more or fewer components than described above, or a combination of certain components, or different components, such as input and output devices, network access devices, buses, etc.

[0165] The processor may be a central processing unit (CPU), other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or any conventional processor, etc. The processor is the control center of the computer device, and uses various interfaces and lines to connect various parts of the entire computer device.

[0166] The memory can be used to store the computer program and / or module, and the processor realizes various functions of the computer device by running or executing the computer program and / or module stored in the memory, and calling the data stored in the memory. The memory can mainly include a program storage area and a data storage area, wherein the program storage area can store an operating system, an application required for at least one function (such as an interface display function, an interface interaction function, etc.), etc.; the data storage area can store data created according to the use of the mobile phone (such as a map interface, a selection interface, etc.), etc. In addition, the memory can include a high-speed random access memory, and can also include a non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), at least one disk storage device, a flash memory device, or other volatile solid-state storage devices.

[0167] If the module / unit integrated in the computer device is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the present invention implements all or part of the processes in the above-mentioned embodiment method, and can also be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a computer-readable storage medium, and the computer program can implement the steps of the above-mentioned various method embodiments when executed by the processor. Among them, the computer program includes computer program code, and the computer program code can be in source code form, object code form, executable file or some intermediate form. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electrical carrier signal, electrical signal and software distribution medium, etc.

[0168] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "examples", "specific examples", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0169] The above-described embodiments only express several implementation methods of the present invention, and the description thereof is relatively specific and detailed, but it cannot be understood as limiting the scope of the present invention. It should be pointed out that, for a person of ordinary skill in the art, several modifications and improvements can be made without departing from the concept of the present invention, and these all belong to the protection scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the attached claims.

Claims

1. A POS payment method, characterized in that: The following steps are involved: Receive the affordable housing rent inquiry signal transmitted by the client; Sending a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, and sending affordable housing rent bill information matching the client to the POS terminal; Receiving a successful payment signal of the affordable housing rent transmitted by the POS terminal; The affordable housing rent information is generated according to the affordable housing rent payment success signal, and the affordable housing rent information is sent to the client.

2. The POS payment method according to claim 1, characterized in that: After sending a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, the following steps are included: Detecting whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state; The step of sending the affordable housing rent bill information that matches the client to the POS terminal includes the following steps: If it is detected that the client, the POS terminal and the communication connection between the client and the POS terminal are not in an abnormal state, the affordable housing rental bill information matching the client is sent to the POS terminal.

3. The POS payment method according to claim 2, characterized in that: The detecting whether the client, the POS terminal and the communication connection between the client and the POS terminal are in an abnormal state comprises the following steps: Detecting the security factor of the client, the POS terminal and the communication connection between the client and the POS terminal; It is determined whether the safety factor is lower than a safety factor threshold, thereby determining whether the client, the POS terminal, and the communication connection between the client and the POS terminal are in an abnormal state.

4. The POS payment method according to claim 3, characterized in that: The detecting of the safety factor of the client, the POS terminal and the communication connection between the client and the POS terminal comprises the following steps: Extracting characteristic information from the client, the POS terminal, and the communication connection between the client and the POS terminal; The feature information is input into a trained machine learning model so that the machine learning model outputs a learning result, and the learning result is used to characterize the safety factor.

5. The POS payment method according to claim 4, characterized in that: The training process of the machine learning model includes the following steps: Acquire a historical payment data set, the historical payment data set comprising training feature information extracted from the client, the POS terminal, and a communication connection between the client and the POS terminal according to the historical payment data; Dividing the historical payment dataset into a training set and a test set; The machine learning model is iteratively trained based on the training set and the test set to generate a trained machine learning model.

6. The POS payment method according to claim 1, characterized in that: After generating the affordable housing rent information according to the affordable housing rent payment success signal, the following steps are included: A comparative analysis file for comparative analysis with horizontal and vertical types of affordable housing is generated according to the affordable housing rent information, and the comparative analysis file is sent to the client.

7. The POS payment method according to claim 1, characterized in that: Before receiving the affordable housing rent inquiry signal transmitted by the client, the following steps are included: Receive login information transmitted by the client; Extracting login feature information based on the login information, randomly slicing the login feature information, and comparing the slicing information with at least two independently stored slice sets, thereby verifying the login information; The generation process of the at least two independently stored slice sets includes the following steps: The registration information transmitted by the client is obtained, registration feature information is extracted based on the registration information, the registration feature information is randomly sliced, and the slices are stored in at least two independently stored slice sets respectively.

8. A POS payment device, characterized in that: include: A query signal receiving unit, used to receive a public housing rent query signal transmitted by a client; A bill information sending unit, configured to send a wake-up signal to a POS terminal within a preset distance threshold range from the client according to the affordable housing rent query signal, and send affordable housing rent bill information matching the client to the POS terminal; A payment success signal receiving unit, used to receive a rent payment success signal of the affordable housing transmitted by the POS terminal; A rent information sending unit is used to generate affordable housing rent information according to the affordable housing rent payment success signal, and send the affordable housing rent information to the client.

9. A computer device, characterized in that: The method comprises a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the POS payment method according to any one of claims 1 to 7 when executing the computer program.

10. A storage device, characterized in that: The storage device stores a computer program, which can be executed to implement the steps of the POS payment method according to any one of claims 1 to 7.

Images