Payment method, device, equipment, system, medium and program product

Abstract

The invention discloses a payment method, device, equipment, system, medium and program product, and relates to the technical field of payment. The method comprises the steps of receiving a first payment authorization request which is sent by first electronic equipment and comprises first identity information of a first user, a first credit granting amount set by the first user and a first amount use time limit, wherein the first credit granting amount is a credit line for the first user to authorize a second user to use resources in a payment account of the first user; according to the first payment authorization request, determining a temporary payment token which corresponds to the first electronic equipment and is used as a payment voucher for the first user to authorize the second user to perform the transaction; and sending the temporary payment token to the first electronic equipment, so that the first electronic equipment synchronizes the temporary payment token to second electronic equipment of a second user through a point-to-point mode of near field communication. Thus, juveniles do not need to handle bank cards and install payment platforms, the payment process is simplified, payment control over the juveniles is enhanced, and the payment risk is reduced.

Description

Technical Field

[0001] The present application belongs to the field of payment technology, and in particular, relates to a payment method, device, equipment, system, medium and program product. Background Art

[0002] With the rapid development of electronic device technology, the users of electronic devices are becoming more and more diverse. For example, minors are gradually starting to own their own mobile phones and smart watches. As a result, the social methods of minors away from their guardians are becoming increasingly diverse, resulting in the emergence of payment service operations for minors' daily study and life.

[0003] In the related art, minors can apply for bank cards accompanied by their guardians and bind the bank cards to payment platforms, thereby making payments through the payment platforms. However, this method not only requires minors to apply for bank cards, but also requires the payment platform to be installed in the electronic device, making the payment process cumbersome. In addition, since this method is to bind the minor’s own bank card to the payment platform, the guardian cannot restrict the payment scenarios of the minor, which is easy to be stolen by illegal persons or minors to make large purchases, increasing the risk of underage payments. Summary of the invention

[0004] The embodiments of the present application provide a payment method, device, equipment, system, medium and program product, which can solve the problem of complicated and low security of the payment process for minors in the related technology.

[0005] In a first aspect, an embodiment of the present application provides a payment method, which is applied to a server. The method may include:

[0006] Receiving a first payment authorization request sent by a first electronic device, the first payment authorization request including first identity information of a first user, a first credit amount set by the first user, and a first credit amount usage time limit, the first credit amount being a credit limit authorized by the first user to a second user to use resources in a payment account of the first user;

[0007] Determine, according to the first payment authorization request, a temporary payment token corresponding to the first electronic device, the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct a transaction;

[0008] The temporary payment token is sent to the first electronic device, so that the first electronic device synchronizes the temporary payment token with the second electronic device of the second user through a point-to-point mode of near field communication.

[0009] In a second aspect, an embodiment of the present application provides a payment method, which is applied to a first electronic device. The method may include:

[0010] receiving a first input from a first user;

[0011] In response to the first input, a first payment authorization request is sent to the server, where the first payment authorization request includes the first identity information of the first user, a first credit amount set by the first user, and a first credit amount usage time limit, where the first credit amount is a credit limit that the first user authorizes the second user to use resources in the first user's payment account;

[0012] Receiving a temporary payment token sent by the server, where the temporary payment token is determined by the first payment authorization request and is used as a payment credential for the first user to authorize the second user to conduct a transaction;

[0013] The temporary payment token is transmitted to the second electronic device via a peer-to-peer mode of near field communication.

[0014] In a third aspect, an embodiment of the present application provides a payment method, which is applied to a second electronic device. The method may include:

[0015] Receiving a temporary payment token transmitted by a first electronic device through a point-to-point mode of near field communication, the temporary payment token is determined by a server based on a first payment authorization request sent by the first electronic device, the first payment authorization request includes the first identity information of the first user, a first credit amount set by the first user, and a validity period of the first amount, the first credit amount is a credit limit authorized by the first user to the second user to use resources in the payment account of the first user, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct a transaction;

[0016] When the acceptance device generates a transaction order, the temporary payment token is transmitted to the acceptance device, and when the temporary payment token is verified, the transaction order is settled through the payment account associated with the temporary payment token.

[0017] In a fourth aspect, an embodiment of the present application provides a payment method, which is applied to an acceptance device. The method may include:

[0018] Obtaining a temporary payment token from a second electronic device, the temporary payment token being obtained by the second electronic device from the first electronic device through a point-to-point mode of near field communication, the temporary payment token being determined by the server based on a first payment authorization request sent by the first electronic device, the first payment authorization request including the first identity information of the first user, the first credit amount set by the first user, and the validity period of the first amount, the first credit amount being the credit limit of the first user authorizing the second user to use resources in the payment account of the first user, and the temporary payment token being used as a payment voucher for the first user to authorize the second user to conduct a transaction;

[0019] A transaction request is sent to the server, where the transaction request includes a transaction order and a temporary payment token related to the second electronic device, so that the server can verify the temporary payment token and, if the temporary payment token is verified, use the payment account associated with the temporary payment token to settle the transaction order.

[0020] In a fifth aspect, an embodiment of the present application provides a payment device, which is applied to a server. The method may include:

[0021] A receiving module, configured to receive a first payment authorization request sent by a first electronic device, wherein the first payment authorization request includes the first identity information of the first user, a first credit amount set by the first user, and a first credit usage period, wherein the first credit amount is a credit limit authorized by the first user to the second user to use resources in the payment account of the first user;

[0022] A determination module, configured to determine a temporary payment token corresponding to the first electronic device according to the first payment authorization request, wherein the temporary payment token is used as a payment credential for the first user to authorize the second user to conduct a transaction;

[0023] The sending module is used to send a temporary payment token to the first electronic device, so that the first electronic device synchronizes the temporary payment token with the second electronic device of the second user through a point-to-point mode of near field communication.

[0024] In a sixth aspect, an embodiment of the present application provides a payment device, applied to a first electronic device, and the method may include:

[0025] A receiving module, configured to receive a first input from a first user;

[0026] a sending module, configured to send a first payment authorization request to a server in response to a first input, wherein the first payment authorization request includes first identity information of a first user, a first credit amount set by the first user, and a first credit amount usage time limit, wherein the first credit amount is a credit limit authorized by the first user to a second user to use resources in a payment account of the first user;

[0027] The receiving module is further used to receive a temporary payment token sent by the server, the temporary payment token is determined by the first payment authorization request, and the temporary payment token is used as a payment credential for the first user to authorize the second user to conduct a transaction;

[0028] The sending module is also used to transmit the temporary payment token to the second electronic device via a point-to-point mode of near field communication.

[0029] In a seventh aspect, an embodiment of the present application provides a payment device, applied to a second electronic device, and the method may include:

[0030] A receiving module, configured to receive a temporary payment token transmitted by a first electronic device through a point-to-point mode of near field communication, wherein the temporary payment token is determined by a server based on a first payment authorization request sent by the first electronic device, wherein the first payment authorization request includes a first identity information of a first user, a first credit amount set by the first user, and a validity period of the first amount, wherein the first credit amount is a credit limit authorized by the first user to a second user to use resources in the payment account of the first user, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct a transaction;

[0031] The transmission module is used to transmit the temporary payment token to the acceptance device when the acceptance device generates a transaction order, and to settle the transaction order through the payment account associated with the temporary payment token when the temporary payment token is verified.

[0032] In an eighth aspect, an embodiment of the present application provides a payment device, which is applied to an acceptance device. The method may include:

[0033] an acquisition module, configured to acquire a temporary payment token from a second electronic device, the temporary payment token being acquired by the second electronic device from the first electronic device through a point-to-point mode of near field communication, the temporary payment token being determined by the server based on a first payment authorization request sent by the first electronic device, the first payment authorization request comprising the first identity information of the first user, a first credit amount set by the first user, and a validity period of the first amount, the first credit amount being a credit limit authorized by the first user to the second user to use resources in the payment account of the first user, and the temporary payment token being used as a payment voucher for the first user to authorize the second user to conduct a transaction;

[0034] A sending module is used to send a transaction request to a server, wherein the transaction request includes a transaction order and a temporary payment token related to a second electronic device, so that the server can verify the temporary payment token and, if the temporary payment token is verified, use the payment account associated with the temporary payment token to settle the transaction order.

[0035] In a ninth aspect, an embodiment of the present application provides a payment system, the payment system comprising a first electronic device, a second electronic device and a server; wherein:

[0036] The first electronic device is configured to send a first payment authorization request to the server when receiving a first input from the first user, where the first payment authorization request includes the first identity information of the first user, a first credit amount set by the first user, and a first credit usage period, where the first credit amount is a credit limit authorized by the first user to the second user to use resources in the payment account of the first user;

[0037] The server is configured to determine, according to the first payment authorization request, a temporary payment token corresponding to the first electronic device, the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct a transaction; and send the temporary payment token to the first electronic device;

[0038] The first electronic device is further configured to transmit the temporary payment token to the second electronic device via a peer-to-peer mode of near field communication.

[0039] In a tenth aspect, an embodiment of the present application provides a computer device, the computer device comprising: a processor and a memory storing computer program instructions;

[0040] When the processor executes the computer program instructions, it implements the payment method as shown in the first aspect, or implements the payment method as shown in the second aspect, or implements the payment method as shown in the third aspect, or implements the payment method as shown in the fourth aspect.

[0041] In the eleventh aspect, an embodiment of the present application provides a computer storage medium, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the payment method as shown in the first aspect, or the payment method as shown in the second aspect, or the payment method as shown in the third aspect, or the payment method as shown in the fourth aspect is implemented.

[0042] In the twelfth aspect, an embodiment of the present application provides a chip, the chip including a processor and a communication interface, the communication interface and the processor are coupled, and the processor is used to run programs or instructions to implement the payment method shown in the first aspect, or the payment method shown in the second aspect, or the payment method shown in the third aspect, or the payment method shown in the fourth aspect.

[0043] In the thirteenth 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 payment method as shown in the first aspect, or the payment method as shown in the second aspect, or the payment method as shown in the third aspect, or the payment method as shown in the fourth aspect.

[0044] The payment method, device, equipment, system, medium and program product of the embodiment of the present application receive a first payment authorization request sent by a first electronic device, the first payment authorization request includes the first identity information of the first user, the first credit amount set by the first user and the first amount usage time limit, the first credit amount is the credit limit of the first user authorizing the second user to use the resources in the payment account of the first user; according to the first payment authorization request, determine the temporary payment token corresponding to the first electronic device, the temporary payment token is used as the payment voucher for the first user to authorize the second user to conduct transactions; send the temporary payment token to the first electronic device, so that the first electronic device synchronizes the temporary payment token to the second electronic device of the second user through the point-to-point mode of near field communication. In this way, there is no need for minors to apply for bank cards, nor is there a need to install a payment platform in the electronic device, simplifying the payment process. And, by determining the temporary payment token through the first payment authorization request, the temporary payment token is used as the payment voucher for the first user to authorize the second user to conduct transactions, so that the guardian can restrict the payment scenario of the minor by constructing the first credit amount and the first amount usage time limit of the temporary payment token, strengthen the payment control of the minor, avoid being stolen by illegal persons or the occurrence of large-amount consumption by minors, and reduce the risk of minors' payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0046] Figure 1 A schematic diagram of the structure of a payment system provided in an embodiment of the present application;

[0047] Figure 2 A schematic diagram of a server-based payment method provided in an embodiment of the present application;

[0048] Figure 3 A schematic diagram of a payment method based on a first electronic device provided in an embodiment of the present application;

[0049] Figure 4 A schematic diagram of a payment method based on a second electronic device provided in an embodiment of the present application;

[0050] Figure 5 A schematic diagram of a payment method based on an acceptance device provided in an embodiment of the present application;

[0051] Figure 6 A schematic diagram of the structure of a server-based payment device provided in an embodiment of the present application;

[0052] Figure 7 A schematic diagram of the structure of a payment device based on a first electronic device provided in an embodiment of the present application;

[0053] Figure 8 A schematic diagram of the structure of a payment device based on a second electronic device provided in an embodiment of the present application;

[0054] Fig. 9 A schematic diagram of the structure of a payment device based on an acceptance device provided in an embodiment of the present application;

[0055] Fig.10 It is a schematic diagram of the structure of a computer device provided by an embodiment of the present application. DETAILED DESCRIPTION

[0056] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by illustrating the examples of the present application.

[0057] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the statement "include..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.

[0058] The acquisition, storage, use, and processing of data (including but not limited to the features and information in the text) in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0059] Near Field Communication (NFC) technology generally involves three operating modes, namely, card mode (Card Emulation), card reader mode (Reader / Writer Mode) and peer-to-peer mode.

[0060] Specifically, in card mode, an NFC-enabled electronic device can simulate a contactless card, such as a bus card, access card, or bank card. Other NFC-enabled devices or readers can identify the aforementioned NFC device as a smart card and perform corresponding operations, such as reading card information or making payments. The card emulation mode is mainly used in contactless payment applications such as shopping malls and transportation. Users only need to bring the device close to the card reader to complete the transaction. In card reader mode, an NFC-enabled electronic device can act as a card reader or writer to read or write data from other NFC tags or smart cards. For example, a user can use an NFC-enabled mobile phone to read transaction information in a bus card, or obtain detailed information through a mobile phone when a TAG label is attached to the back of a movie poster. In peer-to-peer mode, two NFC-enabled devices are allowed to communicate directly with each other via a wireless connection. This mode can be used for simple data exchange between devices, such as sharing contact information, files, or pairing Bluetooth or wireless network communication technology (Wi-Fi).

[0061] Through these modes, NFC technology greatly simplifies many operations in daily life and improves convenience.

[0062] Based on this, the prediction of the wider development of NFC technology in the future focuses on the service scenario of parents' independent payment for their minors' daily study and life needs. The embodiment of the present application proposes a payment method that comprehensively utilizes the point-to-point data transmission, card simulation mode, and card reading mode of NFC technology to solve user needs in this service scenario and achieve a balance in transaction security, efficiency, and fund management.

[0063] The following will be combined with the attached Figures 1 to 10 , describes in detail the payment method, apparatus, system, computer equipment, storage medium and computer program product of the embodiments of the present application. It should be noted that these embodiments are not intended to limit the scope of the disclosure of the present application.

[0064] First, combine Figure 1 The payment system provided in the embodiment of the present application is described in detail as follows.

[0065] like Figure 1 As shown, the payment system in the embodiment of the present application includes a first electronic device, a second electronic device and a server. The first electronic device may be a guardian device, and the second electronic device may be a minor device.

[0066] The embodiment of the present application involves a configuration phase of a temporary payment token and a transaction phase based on the temporary payment token. Based on this, the payment system in the embodiment of the present application is described in detail below according to the aforementioned different phases.

[0067] The configuration phase of the temporary payment token provided in the embodiment of the present application is as follows: Figure 1 The above-mentioned payment system is described in detail.

[0068] The first electronic device is used to send a first payment authorization request to the server when receiving a first input from a first user. The first payment authorization request includes the first identity information of the first user, a first credit amount set by the first user, and a first amount usage period. The first credit amount is a credit limit authorized by the first user to a second user to use resources in the first user's payment account.

[0069] For example, the guardian device can construct a temporary payment serial code through a third-party application or a built-in service of the operating system in the guardian device, using multi-factor information such as a random number, the reception time of the first input, and the device identification information of the first electronic device, and generate a first payment authorization request based on the temporary payment serial code, the first identity information of the first user, and the user setting information of the first user. Then, the first payment authorization request is encrypted and transmitted to the server through the transmission channel between the guardian device and the server.

[0070] The server is used to determine a temporary payment token corresponding to the first electronic device according to the first payment authorization request, where the temporary payment token is used as a payment credential for the first user to authorize the second user to conduct a transaction; and send the temporary payment token to the first electronic device.

[0071] Exemplarily, a first initial payment token can be generated based on the payment tag of the first payment account associated with the first identity information of the first user, such as the payment tag (token) of a payment card of the first user, and based on the first credit amount and the first amount usage period set by the user, the first payment restriction information corresponding to the first initial payment token is generated, and then a temporary payment token is constructed based on the first initial payment token and the first payment restriction information.

[0072] It should be noted that the purpose of decoupling the first initial payment token and the first payment restriction information is to facilitate users to update, adjust, and clear the first credit amount and the first amount validity period at any time. In addition, if the first payment authorization request also includes the transaction merchant category and transaction time period that restrict the second user's payment, the transaction merchant category and transaction time period can also be used as the first payment restriction information. In this way, it is also convenient for users to securely manage the payment scenario of the second user, namely the transaction merchant category and transaction time period at any time. The first initial payment token is related to the payment account or payment card of the first user, so the first initial payment token will only be updated if the payment account or payment card of the first user is changed.

[0073] In this way, through the above-mentioned decoupling, only the first payment restriction information can be adjusted without the first user updating the payment account or payment card, without the need for the server to regenerate the first initial payment token. This improves the flexibility of adjusting the temporary payment token while ensuring the security of the temporary payment token.

[0074] Furthermore, the first electronic device is further used to transmit a temporary payment token to the second electronic device via a point-to-point mode of near field communication when receiving a first initial payment token sent by the service end.

[0075] Exemplarily, the guardian's device and the minor's device can establish secure authentication and a secure and trusted transmission channel through the peer-to-peer mode of NFC technology, so that temporary payment tokens can be securely transmitted between the two.

[0076] Therefore, through the peer-to-peer mode of NFC technology, temporary payment tokens can be quickly transmitted while ensuring the security of data transmission.

[0077] It should be noted that in order to ensure that the first payment authorization request in the first electronic device will not be reused, the second electronic device reads and can only read the temporary payment token once. After reading, the first electronic device invalidates the temporary payment token stored in the first electronic device.

[0078] In this way, the reverse design of the cloud-to-end model can be realized to achieve end-to-cloud management, which strengthens the security control of temporary payment tokens, prevents them from being stolen by illegal personnel, and improves the security of temporary payment tokens.

[0079] The transaction phase based on the temporary payment token provided in the embodiment of the present application is as follows: Figure 1 The above-mentioned payment system is described in detail.

[0080] During the transaction, the second electronic device can communicate with the acceptance device such as the POS machine through NFC technology, using the card emulation of NFC technology, and the POS machine uses the Application Protocol Data Unit (APDU) instruction to contactlessly read the temporary payment token when the second electronic device is not connected to the network. Alternatively, when the second electronic device is connected to the network, the temporary payment token is obtained through the payment token graphic code. The POS machine can send a transaction request to the server, and the transaction request includes a transaction order related to the second electronic device and a temporary payment token.

[0081] The server is configured to verify the temporary payment token corresponding to the second electronic device upon receiving the transaction request; if the temporary payment token corresponding to the second electronic device is successfully verified, settle the transaction order through the payment account associated with the temporary payment token. On the contrary, if the temporary payment token corresponding to the second electronic device is unverified, reject the transaction.

[0082] It should be noted that the validity period of the "temporary payment token" is controlled by both the minor's device and the server. If the first amount set by the first user is exceeded, the electronic device of the minor's device cannot be read by the POS machine APDU instruction. Even if the transaction request is sent to the server, the server will directly reject the transaction.

[0083] Therefore, based on this, the payment method using NFC technology provided by the embodiment of the present application can be applied in the following scenarios, which can effectively meet the independent payment service scenarios required by parents for their underage children's daily study and life, and can expand the service scenarios to support parents' medical treatment, public welfare donations and other service scenarios.

[0084] Combine the following Figures 2 to 4 The payment method implemented by the above payment system is described in detail.

[0085] Figure 2 A flow chart of a server-based payment method provided in an embodiment of the present application.

[0086] like Figure 2 As shown, this payment method can be applied to Figure 1 The server in the payment system shown in the figure, the payment method may specifically include the following steps:

[0087] Step 210, receiving a first payment authorization request sent by a first electronic device, the first payment authorization request including the first identity information of the first user, a first credit amount set by the first user, and a validity period of the first amount, the first credit amount being a credit limit for the first user to authorize the second user to use resources in the first user's payment account; Step 220, determining a temporary payment token corresponding to the first electronic device based on the first payment authorization request, the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct transactions; Step 230, sending the temporary payment token to the first electronic device, so that the first electronic device synchronizes the temporary payment token to the second electronic device of the second user via a point-to-point mode of near field communication.

[0088] In this way, there is no need for minors to apply for bank cards or install payment platforms in electronic devices, simplifying the payment process. In addition, a temporary payment token is determined through the first payment authorization request, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct transactions, so that the guardian can restrict the payment scenarios of minors by constructing the first credit amount and the first amount usage period of the temporary payment token, thereby strengthening the payment control of minors, avoiding theft by illegal persons or large-amount consumption by minors, and reducing the risk of underage payment.

[0089] The above steps are described in detail below, as shown below.

[0090] First, involving step 210, the first payment authorization request further includes at least one of the following: a transaction merchant category and a transaction time period set by the first user.

[0091] Based on this, further restrictions can be placed on the payment scenarios of minors through the transaction merchant list and transaction time period, strengthening payment control over minors, avoiding theft by illegal persons or large-scale consumption by minors, and reducing the risks of underage payments.

[0092] Next, referring to step 220 , in some embodiments of the present application, the temporary payment token includes a first initial payment token and first payment restriction information. Based on this, step 220 may specifically include step 2201 and step 2202 .

[0093] Step 2201: Generate a first initial payment token based on the payment tag of the first payment account associated with the first identity information.

[0094] The information may be obtained based on the association between the identity information and the payment account, or may be specified by the first user and carried in the first payment authorization request.

[0095] Specifically, based on the first identity information, at least one payment account of the first user can be obtained, and a first payment account can be selected from the at least one payment account, and a first initial payment token can be generated based on the payment token of the first payment account, wherein the payment account corresponds to the payment token one-to-one, and the generation process can include but is not limited to encrypting the token by any encryption algorithm to obtain the first initial payment token. In addition, the first user can specify the first payment account, that is, the account information of the first payment account can be carried in the first payment authorization request, based on which, the server can obtain the payment token of the first payment account associated with the account information of the first payment account based on the account information of the first payment account carried in the first payment authorization request.

[0096] Step 2202: Generate first payment restriction information corresponding to the initial payment token according to the first credit amount and the first amount usage period.

[0097] Among them, the first credit amount is the credit limit of the first user authorizing the second user to use the resources in the first payment account of the first user, such as 1,000 yuan. That is to say, the second user can use 1,000 yuan in the first payment account of the first user through a temporary payment token. If the first user has not set the number of transactions, the number of transactions of the second user using the aforementioned 1,000 yuan is not restricted.

[0098] The validity period for using the first amount is the validity period for the first user to authorize the second user to use the resources in the first payment account of the first user, that is, the validity period for using the resources related to the first credit amount, for example, 1,000 yuan can be used within one week.

[0099] Here, it should be noted that the first payment authorization request also includes at least one of the following: the transaction merchant category, transaction time period, and transaction number set by the first user. Therefore, the payment method provided in the embodiment of the present application can also generate the first payment restriction information corresponding to the initial payment token based on the first credit amount, the first amount usage time limit, the transaction merchant category and transaction time period set by the first user.

[0100] Among them, the transaction merchant category set by the first user is the merchant type with which the first user transacts when the first user authorizes the second user to use resources in the first payment account of the first user, such as supermarkets, transportation, etc.

[0101] The transaction time period is the transaction time period during which the first user authorizes the second user to use the resources in the first payment account of the first user. For example, if the first amount can be used for one week, the transaction time period can be to restrict the second user to use it from 5:00 to 7:00 p.m. every day and all day on weekends. Therefore, the payment scenarios of minors can be further restricted through the first payment restriction information, which strengthens the payment control of minors, avoids theft by illegal persons or large-amount consumption by minors, and reduces the risk of underage payment.

[0102] In some embodiments of the present application, after step 220 , the payment method may further include steps 2401 and 2402 .

[0103] Step 2401, receiving authorization adjustment information sent by the first electronic device, the authorization adjustment information includes at least one of the following: a second credit amount set by the first user, a second amount usage period, a transaction merchant category, and a transaction time period.

[0104] Step 2402: Update the first payment restriction information based on the authorization adjustment information.

[0105] For example, if there are holidays, the guardian can expand the transaction time period from 5:00-7:00 p.m. every day to all-day use.

[0106] In this way, payment restriction information can be updated in real time, restrictions on payment scenarios for minors can be strengthened, payment management and control over minors can be strengthened, theft by illegal persons or large-scale consumption by minors can be avoided, and the risk of underage payments can be reduced.

[0107] In some embodiments of the present application, in order to ensure that the amount in the guardian's payment account can be used by minors, the resources in the first user's payment account can be frozen according to the credit amount, such as the first credit amount and the second credit amount. Based on this, after step 220, the payment method may also include steps 2403 and 2404, as shown below.

[0108] Step 2403: Send a resource freezing request to the account resource management system corresponding to the payment account of the first user, where the resource freezing request is used to request freezing of resources related to the first credit amount in the payment account of the first user.

[0109] Exemplarily, if the first credit amount is 1,000 yuan, a resource freezing request may be sent to the account resource management system to freeze 1,000 yuan in the payment account for use only by minors with a temporary payment token.

[0110] Step 2404: When the temporary payment token corresponding to the second electronic device is not verified, a resource unfreezing request is sent to the account resource management system, where the resource unfreezing request is used to request freezing of resources related to the first credit amount in the payment account of the first user.

[0111] Exemplarily, if a minor's temporary payment token has not been verified and the time has exceeded the validity period for the first amount, it can be unfrozen so that the guardian can withdraw it.

[0112] Therefore, by freezing the resources related to the credit amount in the guardian's payment account, minors can use the temporary payment token, that is, special funds for special purposes. At the same time, this method can ensure that if the temporary payment token provided by the minor is verified, there are sufficient resources in the payment account for the minor to use, which improves transaction efficiency.

[0113] In addition, after step 2403, the payment method may further include step 2405, in which, when the temporary payment token does not match the temporary payment token, transaction rejection information is sent to the acceptance device.

[0114] Then, the following involves the transaction phase based on the temporary payment token, and the execution steps of the server are as follows.

[0115] In some embodiments of the present application, after step 230 , the payment method may further include steps 2501 to 2503 .

[0116] Step 2501: Receive a transaction request sent by an acceptance device, where the transaction request includes a transaction order related to a second electronic device and a temporary payment token corresponding to the second electronic device.

[0117] Step 2502: Verify the temporary payment token corresponding to the second electronic device according to the transaction request.

[0118] Step 2503: When the temporary payment token corresponding to the second electronic device is verified, the transaction order is settled through the payment account associated with the temporary payment token.

[0119] Furthermore, in the embodiment of the present application, the temporary payment token corresponding to the second electronic device includes a second initial payment token and second payment restriction information. Based on this, the above step 2502 may specifically include steps 25021 to 25023, as shown below.

[0120] Step 25021: Match the second initial payment token with the first initial payment token in the temporary payment token corresponding to the first electronic device to obtain a first matching result.

[0121] Step 25022, when the first matching result indicates that the second initial payment token is the same as the first initial payment token, the second payment restriction information is matched with the first payment restriction information in the temporary payment token corresponding to the first electronic device to obtain a second matching result.

[0122] Step 25023, when the second matching result indicates that the second payment restriction information is the same as the first payment restriction information, it is determined that the temporary payment token corresponding to the second electronic device has been verified.

[0123] In this way, the first payment restriction information can be verified one by one, thereby improving the security of using the temporary payment token.

[0124] Figure 3 A flow chart of a payment method based on a first electronic device provided in an embodiment of the present application.

[0125] like Figure 3 As shown, this payment method can be applied to Figure 1 In the first electronic device of the payment system shown, the payment method may specifically include the following steps:

[0126] Step 310, receiving a first input from a first user; Step 320, in response to the first input, sending a first payment authorization request to the server, the first payment authorization request including the first identity information of the first user, a first credit amount set by the first user, and a usage period of the first amount, the first credit amount being the credit limit of the first user authorizing the second user to use resources in the first user's payment account; Step 330, receiving a temporary payment token sent by the server, the temporary payment token being determined by the first payment authorization request, the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct transactions; Step 340, transmitting the temporary payment token to the second electronic device via a point-to-point mode of near field communication.

[0127] In this way, there is no need for minors to apply for bank cards or install payment platforms in electronic devices, simplifying the payment process. In addition, a temporary payment token is determined through the first payment authorization request, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct transactions, so that the guardian can restrict the payment scenarios of minors by constructing the first credit amount and the first amount usage period of the temporary payment token, thereby strengthening the payment control of minors, avoiding theft by illegal persons or large-amount consumption by minors, and reducing the risk of underage payment.

[0128] The above steps are described in detail below, as shown below.

[0129] First, in some embodiments of the present application, step 320 may specifically include step 3201 and step 3202, as shown below.

[0130] Step 3201, in response to the first input, a temporary payment serial code is generated by using a random number, a reception time of the first input, and device identification information of the first electronic device.

[0131] Step 3202: Generate a first payment authorization request based on the temporary payment serial code, the first identity information of the first user, and the user setting information of the first user. The user setting information includes a first credit amount and a first amount usage period set by the first user.

[0132] Next, in some embodiments of the present application, before step 330, the payment method may further include steps 3501 to 3503, as specifically shown below.

[0133] Step 3501, receiving a second input from a first user.

[0134] Step 3502, in response to the second input, obtain authorization adjustment information corresponding to the second input, the authorization modification information including at least one of the following: the second credit amount set by the first user, the validity period of the second amount, the transaction merchant category, and the transaction time period.

[0135] Step 3503, sending authorization adjustment information to the server.

[0136] Then, in some embodiments of the present application, after step 340, the payment method may further include step 360, deleting the temporary payment token stored in the first electronic device after successfully transmitting the temporary payment token to the second electronic device.

[0137] This can prevent theft by illegal persons or large-scale consumption by minors, and reduce the risk of underage payments.

[0138] Figure 4 A flow chart of a payment method based on a second electronic device provided in an embodiment of the present application.

[0139] like Figure 4 As shown, this payment method can be applied to Figure 1 In the second electronic device of the payment system shown, the payment method may specifically include the following steps:

[0140] Step 410, receiving a temporary payment token transmitted by a first electronic device through a point-to-point mode of near field communication, the temporary payment token being determined by a server based on a first payment authorization request sent by the first electronic device, the first payment authorization request including the first identity information of the first user, a first credit amount set by the first user, and a first amount usage period, the first credit amount being a credit limit authorized by the first user to the second user to use resources in the first user's payment account, the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct a transaction; Step 420, transmitting the temporary payment token to the acceptance device when the acceptance device generates a transaction order, and using the temporary payment token to settle the transaction order through the payment account associated with the temporary payment token when the temporary payment token is verified.

[0141] In this way, there is no need for minors to apply for bank cards or install payment platforms in electronic devices, simplifying the payment process. In addition, a temporary payment token is determined through the first payment authorization request, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct transactions, so that the guardian can restrict the payment scenarios of minors by constructing the first credit amount and the first amount usage period of the temporary payment token, thereby strengthening the payment control of minors, avoiding theft by illegal persons or large-amount consumption by minors, and reducing the risk of underage payment.

[0142] The above steps are described in detail below, as shown below.

[0143] In relation to the above step 420, the embodiments of the present application provide at least two possibilities for transmitting a temporary payment token to the acceptance device based on whether the second electronic device is connected to the network, namely, in a network environment, the temporary payment token can be displayed through a QR code and completed by scanning, or the POS machine information can be obtained by using NFC technology or QR code scanning technology, and after local encryption through the underage credit terminal, the transaction is sent to the server wirelessly for subsequent transaction processing. Specifically, in some embodiments of the present application, step 420 can specifically include:

[0144] When the electronic device is not connected to the network, a temporary payment token is transmitted to the acceptance device through the card mode of near-field communication.

[0145] For example, the second electronic device can communicate with the POS machine through NFC technology. The second electronic device acts as a smart card, receives a send command (C-APDU) from the POS machine, performs a corresponding action and returns a command (R-APDU), wherein the R-APDU can be a temporary payment token.

[0146] When the electronic device is connected to the network, the payment token graphic code is displayed to transmit a temporary payment token to the acceptance device through the payment token graphic code.

[0147] Exemplarily, the second electronic device can display the payment token graphic code when connected to the network. At this time, the acceptance device can scan the payment token graphic code displayed by the second electronic device to obtain a temporary payment token associated with the payment token graphic code.

[0148] In this way, the reverse design of the cloud-to-end model can be realized to achieve end-to-cloud management, which strengthens the security control of temporary payment tokens, prevents them from being stolen by illegal personnel, and improves the security of temporary payment tokens.

[0149] Figure 5 A flow chart of a payment method based on an acceptance device provided in an embodiment of the present application.

[0150] like Figure 5 As shown, this payment method can be applied to Figure 1 The payment method of the payment system shown in the figure may specifically include the following steps:

[0151] Step 510, obtaining a temporary payment token from a second electronic device, the temporary payment token being obtained by the second electronic device from the first electronic device via a point-to-point mode of near field communication, the temporary payment token being determined by the server based on a first payment authorization request sent by the first electronic device, the first payment authorization request including the first identity information of the first user, a first credit amount set by the first user, and a validity period of the first amount, the first credit amount being the credit limit of the first user authorizing the second user to use resources in the first user's payment account, the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct transactions; Step 520, sending a transaction request to the server, the transaction request including a transaction order related to the second electronic device and a temporary payment token, so that the server can verify the temporary payment token, and if the temporary payment token is verified, use it to settle the transaction order through the payment account associated with the temporary payment token.

[0152] For example, during the transaction, the second electronic device credit terminal communicates with the acceptance terminal (POS machine, etc.) through NFC technology, using the card emulation mode, and the POS machine uses APDU instructions to contactlessly read the temporary payment token without connecting to the network, and sends it to the server for transaction processing. The server receives the transaction request, parses the "temporary payment token", compares and processes the preset parameters such as timeliness, transaction amount, merchant category, transaction time, etc., obtains account information through the token, performs subsequent processing for compliant transactions, and returns the transaction results in the original way.

[0153] Therefore, compared with the payment platform in the related art, the payment method provided in the embodiment of the present application does not rely on payment image codes, the electronic device does not require minors to apply for bank cards, and does not require the payment platform to be installed in the electronic device. In some scenarios, it does not even rely on mobile networks, and further strengthens the payment management of minors by setting timeliness and payment merchant scope. If the time limit is exceeded, the remaining funds will be automatically returned to avoid waste or financial risks.

[0154] In summary, the payment method provided in the embodiment of the present application can realize the end-to-end cloud management by reverse design from the cloud-to-end mode, that is, through the guardian device App program or built-in application, etc., a temporary payment string is generated using multiple factors such as random numbers, time, and electronic device identification codes, and a first payment authorization request is generated based on the temporary payment string. Among them, after the first payment authorization request is generated by the guardian device, it is encrypted and transmitted to the server, and the server generates a temporary payment token based on the token and manages it securely, and can update, adjust, and clear the server configuration by operating the electronic device App program or built-in application, including timeliness, credit limit, merchant category restrictions, transaction time restrictions, etc. In addition, a third-party application or built-in application in the guardian device obtains a temporary payment token from the server, and establishes a secure authentication between the minor terminal and the guardian terminal with the help of the point-to-point mode of NFC technology, and establishes a secure and trusted transmission channel so that the temporary payment token can be securely transmitted between the two. Minors' devices such as mobile phones or smart watches read and can only read the temporary payment token once. After reading, the guardian device's temporary payment token becomes invalid.

[0155] During the transaction, the minor's device communicates with the acceptance terminal through NFC technology, using the card emulation mode. The POS machine uses APDU instructions to contactlessly read the temporary payment token without connecting to the network, and sends it to the server for transaction processing. The server receives the transaction request, parses the temporary payment token, compares the parameters such as the time limit for the amount, the transaction amount, the merchant category, and the transaction time, obtains the account information through the token, performs subsequent processing for compliant transactions, and returns the transaction results by the original route.

[0156] In this way, it is possible to simplify the payment process without requiring minors to apply for bank cards or install payment platforms in electronic devices. In addition, a temporary payment token is determined through a first payment authorization request, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct a transaction, so that the guardian can restrict the payment scenarios of minors by constructing the first credit amount and the first amount usage period of the temporary payment token, thereby strengthening the payment control of minors, avoiding theft by illegal persons or large-amount consumption by minors, and reducing the risk of underage payment.

[0157] The present application also provides a payment device corresponding to the above payment method, specifically in combination with Figures 6 to 9 Provide detailed explanation.

[0158] Figure 6 A schematic diagram of the structure of a server-based payment device provided in an embodiment of the present application.

[0159] In some embodiments of the present application, Figure 6The payment device shown can be set in the embodiment of the present application as shown in Figure 1 The server in the payment system shown.

[0160] Based on this, Figure 6 As shown, the payment device 60 may specifically include:

[0161] The receiving module 601 is used to receive a first payment authorization request sent by a first electronic device, where the first payment authorization request includes the first identity information of the first user, a first credit amount set by the first user, and a first credit amount usage time limit, where the first credit amount is a credit limit authorized by the first user to the second user to use resources in the payment account of the first user;

[0162] A determination module 602, configured to determine a temporary payment token corresponding to the first electronic device according to the first payment authorization request, wherein the temporary payment token is used as a payment credential for the first user to authorize the second user to conduct a transaction;

[0163] The sending module 603 is used to send a temporary payment token to the first electronic device, so that the first electronic device synchronizes the temporary payment token with the second electronic device of the second user through a point-to-point mode of near field communication.

[0164] In this way, the payment device in the embodiment of the present application does not require minors to apply for bank cards, nor does it require the installation of payment platforms in electronic devices, thus simplifying the payment process. In addition, a temporary payment token is determined through a first payment authorization request, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct a transaction, so that the guardian can restrict the payment scenarios of minors by constructing the first credit amount and the first amount usage period of the temporary payment token, thereby strengthening the payment control of minors, avoiding theft by illegal persons or large-amount consumption by minors, and reducing the risk of underage payment.

[0165] The payment device 60 in the embodiment of the present application is described in detail below.

[0166] In some embodiments of the present application, the determination module 602 may be specifically configured to generate a first initial payment token according to a payment tag of a first payment account associated with the first identity information when the temporary payment token includes the first initial payment token and the first payment restriction information;

[0167] First payment restriction information corresponding to the initial payment token is generated according to the first credit amount and the first amount usage time limit.

[0168] In some embodiments of the present application, the receiving module 601 may also be used to receive authorization adjustment information sent by the first electronic device, where the authorization adjustment information includes at least one of the following: a second credit amount set by the first user, a second amount usage time limit, a transaction merchant category, and a transaction time period;

[0169] In the embodiment of the present application, the payment device 60 may further include an updating module, which is used to update the first payment restriction information based on the authorization adjustment information.

[0170] In some embodiments of the present application, the receiving module 601 may also be used to receive a transaction request sent by the acceptance device, where the transaction request includes a transaction order related to the second electronic device and a temporary payment token corresponding to the second electronic device;

[0171] In the embodiment of the present application, the payment device 60 may further include a verification module for verifying a temporary payment token corresponding to the second electronic device according to the transaction request;

[0172] In the embodiment of the present application, the payment device 60 may further include a settlement module for settling the transaction order through the payment account associated with the temporary payment token when the temporary payment token corresponding to the second electronic device is verified.

[0173] In some embodiments of the present application, the payment device 60 in the embodiment of the present application may further include a matching module, which is used to match the second initial payment token with the first initial payment token in the temporary payment token corresponding to the first electronic device to obtain a first matching result when the temporary payment token corresponding to the second electronic device includes the second initial payment token and the second payment restriction information;

[0174] The matching module may also be used to match the second payment restriction information with the first payment restriction information in the temporary payment token corresponding to the first electronic device to obtain a second matching result when the first matching result indicates that the second initial payment token is the same as the first initial payment token;

[0175] The determination module 602 may also be configured to determine that the temporary payment token corresponding to the second electronic device has been verified if the second matching result indicates that the second payment restriction information is the same as the first payment restriction information.

[0176] In some embodiments of the present application, the first payment authorization request further includes at least one of the following: a transaction merchant category and a transaction time period set by the first user.

[0177] In some embodiments of the present application, the sending module 603 may also be used to send transaction rejection information to the acceptance device when the temporary payment token does not match the temporary payment token.

[0178] In some embodiments of the present application, the sending module 603 may also be used to send a resource freezing request to an account resource management system corresponding to the payment account of the first user, where the resource freezing request is used to request freezing of resources related to the first credit amount in the payment account of the first user;

[0179] When the temporary payment token corresponding to the second electronic device fails to be verified, a resource unfreezing request is sent to the account resource management system, where the resource unfreezing request is used to request freezing of resources related to the first credit amount in the payment account of the first user.

[0180] Figure 7 A schematic diagram of the structure of a payment device based on a first electronic device provided in an embodiment of the present application.

[0181] In some embodiments of the present application, Figure 7 The payment device shown can be set in the embodiment of the present application as shown in Figure 1 A first electronic device in a payment system is shown.

[0182] Based on this, Figure 7 As shown, the payment device 70 may specifically include:

[0183] The receiving module 701 is used to receive a first input from a first user;

[0184] A sending module 702 is used to send a first payment authorization request to the server in response to the first input, where the first payment authorization request includes the first identity information of the first user, the first credit amount set by the first user, and the first credit amount usage time limit, where the first credit amount is the credit limit authorized by the first user to the second user to use resources in the payment account of the first user;

[0185] The receiving module 701 is further used to receive a temporary payment token sent by the server, where the temporary payment token is determined by the first payment authorization request, and the temporary payment token is used as a payment credential for the first user to authorize the second user to conduct a transaction;

[0186] The sending module 702 is further configured to transmit the temporary payment token to the second electronic device via a point-to-point mode of near field communication.

[0187] In this way, the payment device in the embodiment of the present application does not require minors to apply for bank cards, nor does it require the installation of payment platforms in electronic devices, thus simplifying the payment process. In addition, a temporary payment token is determined through a first payment authorization request, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct a transaction, so that the guardian can restrict the payment scenarios of minors by constructing the first credit amount and the first amount usage period of the temporary payment token, thereby strengthening the payment control of minors, avoiding theft by illegal persons or large-amount consumption by minors, and reducing the risk of underage payment.

[0188] The payment device 70 in the embodiment of the present application is described in detail below.

[0189] In some embodiments of the present application, the payment device 70 in the embodiment of the present application may further include a generation module for generating a temporary payment serial code in response to the first input by using a random number, a time of receiving the first input, and device identification information of the first electronic device;

[0190] A first payment authorization request is generated based on the temporary payment serial code, the first identity information of the first user and the user setting information of the first user, wherein the user setting information includes a first credit amount and a first amount usage time limit set by the first user.

[0191] In some embodiments of the present application, the payment device 70 in the embodiments of the present application may further include a deletion module for deleting the temporary payment token stored in the first electronic device after successfully transmitting the temporary payment token to the second electronic device.

[0192] In some embodiments of the present application, the receiving module 701 is further configured to receive a second input from the first user;

[0193] In the embodiment of the present application, the payment device 70 may further include an acquisition module, which is used to respond to the second input and acquire authorization adjustment information corresponding to the second input, and the authorization modification information includes at least one of the following: the second credit amount set by the first user, the validity period of the second amount, the transaction merchant category, and the transaction time period;

[0194] The sending module 702 may also be used to send authorization adjustment information to the server.

[0195] Figure 8 A schematic diagram of the structure of a payment device based on a second electronic device provided in an embodiment of the present application.

[0196] In some embodiments of the present application, Figure 8 The payment device shown can be set in the embodiment of the present application as shown in Figure 1 A second electronic device in the payment system is shown.

[0197] Based on this, Figure 8 As shown, the payment device 80 may specifically include:

[0198] A receiving module 801 is used to receive a temporary payment token transmitted by a first electronic device through a point-to-point mode of near field communication, where the temporary payment token is determined by a server based on a first payment authorization request sent by the first electronic device, where the first payment authorization request includes the first identity information of a first user, a first credit amount set by the first user, and a validity period of the first amount, where the first credit amount is a credit limit authorized by the first user to a second user to use resources in the payment account of the first user, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct a transaction;

[0199] The transmission module 802 is used to transmit the temporary payment token to the acceptance device when the acceptance device generates a transaction order, and to settle the transaction order through the payment account associated with the temporary payment token when the temporary payment token is verified.

[0200] In this way, the payment device in the embodiment of the present application does not require minors to apply for bank cards, nor does it require the installation of payment platforms in electronic devices, thus simplifying the payment process. In addition, a temporary payment token is determined through a first payment authorization request, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct a transaction, so that the guardian can restrict the payment scenarios of minors by constructing the first credit amount and the first amount usage period of the temporary payment token, thereby strengthening the payment control of minors, avoiding theft by illegal persons or large-amount consumption by minors, and reducing the risk of underage payment.

[0201] The payment device 80 in the embodiment of the present application is described in detail below.

[0202] In some embodiments of the present application, the transmission module 802 can be specifically used to transmit a temporary payment token to an acceptance device through a card mode of near field communication when the electronic device is not connected to a network.

[0203] In some other embodiments of the present application, the payment device 80 may further include a display module for displaying a payment token graphic code when the electronic device is connected to a network, so as to transmit a temporary payment token to the acceptance device through the payment token graphic code.

[0204] Fig. 9 A schematic diagram of the structure of a payment device based on an acceptance device provided in an embodiment of the present application.

[0205] In some embodiments of the present application, Fig. 9 The payment device shown can be set in the embodiment of the present application as shown in Figure 1The acceptance device in the payment system shown.

[0206] Based on this, Fig. 9 As shown, the payment device 90 may specifically include:

[0207] An acquisition module 901 is used to acquire a temporary payment token from a second electronic device. The temporary payment token is acquired by the second electronic device from the first electronic device through a point-to-point mode of near field communication. The temporary payment token is determined by the server based on a first payment authorization request sent by the first electronic device. The first payment authorization request includes the first identity information of the first user, the first credit amount set by the first user, and the validity period of the first amount. The first credit amount is the credit limit of the first user authorizing the second user to use resources in the payment account of the first user. The temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct transactions;

[0208] The sending module 902 is used to send a transaction request to the server, where the transaction request includes a transaction order and a temporary payment token related to the second electronic device, so that the server can verify the temporary payment token and, if the temporary payment token is verified, use the payment account associated with the temporary payment token to settle the transaction order.

[0209] In this way, the payment device in the embodiment of the present application does not require minors to apply for bank cards, nor does it require the installation of payment platforms in electronic devices, thus simplifying the payment process. In addition, a temporary payment token is determined through a first payment authorization request, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct a transaction, so that the guardian can restrict the payment scenarios of minors by constructing the first credit amount and the first amount usage period of the temporary payment token, thereby strengthening the payment control of minors, avoiding theft by illegal persons or large-amount consumption by minors, and reducing the risk of underage payment.

[0210] Based on the same inventive concept, the present application also provides a computer device. Fig.10 Provide detailed explanation.

[0211] Fig.10 It is a schematic diagram of the structure of a computer device provided by an embodiment of the present application.

[0212] like Fig.10 As shown, the computer device may include at least one of the following involved in the embodiments of the present application: a server, a first electronic device, a second electronic device, and a receiving device. The computer device may include a processor 1001 and a memory 1002 storing computer program instructions.

[0213] Specifically, the processor 1001 may include a central processing unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit (ASTC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0214] The memory 1002 may include a large capacity memory for data or instructions. By way of example and not limitation, the memory 1002 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. In appropriate cases, the memory 1002 may include a removable or non-removable (or fixed) medium. In appropriate cases, the memory 1002 may be inside or outside the integrated gateway disaster recovery device. In a specific embodiment, the memory 1002 is a non-volatile solid-state memory. In a specific embodiment, the memory 1002 includes a solid-state storage (ROM). In appropriate cases, the ROM may be a mask-programmed ROM, a programmable ROM (PROM), an erasable PROM (EPROM), an electrically erasable PROM (EEPROM), an electrically rewritable ROM (EAROM) or a flash memory or a combination of two or more of these.

[0215] The processor 1001 implements any one of the payment methods in the above embodiments by reading and executing the computer program instructions stored in the memory 1002 .

[0216] In one example, the computer device may further include a communication interface 1003 and a bus 1010. Fig.10 As shown, the processor 1001, the memory 1002, and the communication interface 1003 are connected via a bus 1010 and communicate with each other.

[0217] The communication interface 1003 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0218] Bus 1010 includes hardware, software or both, and the parts of flow control device are coupled to each other.For example, but not limitation, bus may include accelerated graphics port (AGP) or other graphics bus, enhanced industry standard system (ETSA) bus, front side bus (FSB), hypertransport (HT) interconnection, industry standard system (TSA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel system (MCA) bus, peripheral component interconnection (PCT) bus, PCT-Express (PCT-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations. In appropriate cases, bus 1010 may include one or more buses. Although the present application embodiment describes and shows a specific bus, the application considers any suitable bus or interconnection.

[0219] The computer device can execute the payment method in the embodiment of the present application, thereby realizing the combination Figures 2 to 9 Payment methods and devices are described.

[0220] In addition, in combination with the payment method in the above embodiment, the embodiment of the present application can provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by a processor, any one of the payment methods in the above embodiment is implemented.

[0221] It should be clear that the present application is not limited to the specific configuration and processing described above and shown in the figures. For the sake of simplicity, a detailed description of the known method is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present application is not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application.

[0222] The functional blocks shown in the above block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. The program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segment can be downloaded via a computer network such as the Internet, an intranet, etc.

[0223] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the embodiment, or in a different order from the embodiment, or several steps can be performed simultaneously.

[0224] The above are only specific implementation methods of the present application. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the protection scope of the present application is not limited to this. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in this application, and these modifications or replacements should be included in the protection scope of this application.

Claims

1. A payment method, applied to a server, comprising: receiving a first payment authorization request sent by a first electronic device, the first payment authorization request including first identity information of a first user, a first credit amount set by the first user, and a first amount usage period, the first credit amount being a credit limit authorized by the first user to a second user to use resources in a payment account of the first user; Determining, according to the first payment authorization request, a temporary payment token corresponding to the first electronic device, the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct a transaction; The temporary payment token is sent to the first electronic device, so that the first electronic device synchronizes the temporary payment token with the second electronic device of the second user through a point-to-point mode of near field communication.

2. The method according to claim 1, wherein: The temporary payment token includes a first initial payment token and first payment restriction information; and determining the temporary payment token according to the first payment authorization request includes: generating the first initial payment token according to the payment tag of the first payment account associated with the first identity information; The first payment restriction information corresponding to the initial payment token is generated according to the first credit amount and the usage period of the first amount.

3. The method according to claim 2, wherein: After determining the temporary payment token according to the first payment authorization request, the method includes: receiving authorization adjustment information sent by the first electronic device, wherein the authorization adjustment information includes at least one of the following: a second credit amount set by the first user, a second amount usage time limit, a transaction merchant category, and a transaction time period; Based on the authorization adjustment information, the first payment restriction information is updated.

4. The method according to claim 1, wherein: The method further comprises: receiving a transaction request sent by the acceptance device, wherein the transaction request includes a transaction order related to the second electronic device and a temporary payment token corresponding to the second electronic device; Verifying, according to the transaction request, a temporary payment token corresponding to the second electronic device; When the temporary payment token corresponding to the second electronic device is verified, the transaction order is settled through the payment account associated with the temporary payment token.

5. The method according to claim 4, wherein: The temporary payment token corresponding to the second electronic device includes a second initial payment token and second payment restriction information; and verifying the temporary payment token corresponding to the second electronic device according to the transaction request includes: Matching the second initial payment token with a first initial payment token in a temporary payment token corresponding to the first electronic device to obtain a first matching result; If the first matching result indicates that the second initial payment token is the same as the first initial payment token, matching the second payment restriction information with the first payment restriction information in the temporary payment token corresponding to the first electronic device to obtain a second matching result; When the second matching result indicates that the second payment restriction information is the same as the first payment restriction information, it is determined that the temporary payment token corresponding to the second electronic device has been verified.

6. The method according to any one of claims 1 to 5, wherein: The first payment authorization request also includes at least one of the following: a transaction merchant category and a transaction time period set by the first user.

7. The method according to claim 4, wherein: The method further comprises: In the event that the temporary payment token does not match the temporary payment token, transaction rejection information is sent to the acceptance device.

8. The method according to claim 1, wherein: After determining the temporary payment token according to the first payment authorization request, the method further includes: Sending a resource freezing request to an account resource management system corresponding to the payment account of the first user, wherein the resource freezing request is used to request freezing of resources related to the first credit amount in the payment account of the first user; When the temporary payment token corresponding to the second electronic device fails to be verified, a resource unfreezing request is sent to the account resource management system, where the resource unfreezing request is used to request freezing of resources related to the first credit amount in the payment account of the first user.

9. A payment method, applied to a first electronic device, comprising: receiving a first input from a first user; In response to the first input, sending a first payment authorization request to the server, the first payment authorization request including the first identity information of the first user, a first credit amount set by the first user, and a first amount usage time limit, the first credit amount being a credit limit authorized by the first user to the second user to use resources in the payment account of the first user; receiving a temporary payment token sent by the server, where the temporary payment token is determined by the first payment authorization request and is used as a payment credential for the first user to authorize the second user to conduct a transaction; The temporary payment token is transmitted to the second electronic device via a peer-to-peer mode of near field communication.

10. The method according to claim 9, wherein: The step of sending a first payment authorization request to a server in response to the first input includes: In response to the first input, generating a temporary payment serial code by using a random number, a time when the first input is received, and device identification information of the first electronic device; The first payment authorization request is generated based on the temporary payment serial code, the first identity information of the first user and the user setting information of the first user, wherein the user setting information includes a first credit amount set by the first user and a validity period of the first amount.

11. The method according to claim 9, wherein: The method further comprises: After successfully transmitting the temporary payment token to the second electronic device, deleting the temporary payment token stored in the first electronic device.

12. The method according to claim 9, wherein: The method further comprises: receiving a second input from the first user; In response to the second input, obtaining authorization adjustment information corresponding to the second input, the authorization modification information including at least one of the following: a second credit amount set by the first user, a second amount usage time limit, a transaction merchant category, and a transaction time period; The authorization adjustment information is sent to the server.

13. A payment method, applied to a second electronic device, comprising: Receiving, through a point-to-point mode of near field communication, a temporary payment token transmitted by a first electronic device, the temporary payment token being determined by a server based on a first payment authorization request sent by the first electronic device, the first payment authorization request including first identity information of a first user, a first credit amount set by the first user, and a first credit usage period, the first credit amount being a credit limit authorized by the first user to a second user to use resources in the payment account of the first user, and the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct a transaction; When the acceptance device generates a transaction order, the temporary payment token is transmitted to the acceptance device, and when the temporary payment token is verified, the transaction order is settled through the payment account associated with the temporary payment token.

14. The method according to claim 13, wherein: The transmitting the temporary payment token to the acceptance device includes: When the electronic device is not connected to a network, transmitting the temporary payment token to the acceptance device through a card mode of near field communication; When the electronic device is connected to the network, the payment token graphic code is displayed to transmit the temporary payment token to the acceptance device through the payment token graphic code.

15. A payment method, applied to an acceptance device, comprising: Acquire a temporary payment token from a second electronic device, the temporary payment token being acquired by the second electronic device from the first electronic device through a point-to-point mode of near field communication, the temporary payment token being determined by a server based on a first payment authorization request sent by the first electronic device, the first payment authorization request comprising a first identity information of a first user, a first credit amount set by the first user, and a first credit usage period, the first credit amount being a credit limit authorized by the first user to the second user to use resources in the payment account of the first user, and the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct a transaction; A transaction request is sent to a server, wherein the transaction request includes a transaction order related to the second electronic device and the temporary payment token, so that the server verifies the temporary payment token and settles the transaction order through a payment account associated with the temporary payment token if the temporary payment token is verified.

16. A payment system comprising: A first electronic device, a second electronic device and a server; wherein, The first electronic device is configured to send a first payment authorization request to the server when receiving a first input from a first user, wherein the first payment authorization request includes first identity information of the first user, a first credit amount set by the first user, and a first credit amount usage time limit, wherein the first credit amount is a credit limit authorized by the first user to a second user to use resources in a payment account of the first user; The server is configured to determine, according to the first payment authorization request, a temporary payment token corresponding to the first electronic device, the temporary payment token being used as a payment credential for the first user to authorize the second user to conduct a transaction; and send the temporary payment token to the first electronic device; The first electronic device is further configured to transmit the temporary payment token to the second electronic device via a point-to-point mode of near field communication.

17. The system of claim 16, wherein: The payment system further includes an acceptance device, which is used to generate a transaction order related to the second electronic device; based on the transaction order, obtain the temporary payment token from the second electronic device; and send a transaction request to the server, wherein the transaction request includes the transaction order related to the second electronic device and the temporary payment token; The server is also used to verify the temporary payment token corresponding to the second electronic device according to the transaction request; if the temporary payment token corresponding to the second electronic device is verified, the transaction order is settled through the payment account associated with the temporary payment token.

18. A payment device, applied to a server, comprising: a receiving module, configured to receive a first payment authorization request sent by a first electronic device, wherein the first payment authorization request includes first identity information of a first user, a first credit amount set by the first user, and a first credit amount usage time limit, wherein the first credit amount is a credit limit authorized by the first user to a second user to use resources in a payment account of the first user; a determination module, configured to determine, according to the first payment authorization request, a temporary payment token corresponding to the first electronic device, wherein the temporary payment token is used as a payment credential for the first user to authorize the second user to conduct a transaction; The sending module is used to send the temporary payment token to the first electronic device, so that the first electronic device synchronizes the temporary payment token with the second electronic device of the second user through a point-to-point mode of near field communication.

19. A payment device, applied to a first electronic device, comprising: A receiving module, configured to receive a first input from a first user; a sending module, configured to send a first payment authorization request to a server in response to the first input, wherein the first payment authorization request includes the first identity information of the first user, a first credit amount set by the first user, and a first credit amount usage time limit, wherein the first credit amount is a credit limit authorized by the first user to the second user to use resources in the payment account of the first user; The receiving module is further used to receive a temporary payment token sent by the server, where the temporary payment token is determined by the first payment authorization request and is used as a payment credential for the first user to authorize the second user to conduct a transaction; The sending module is further used to transmit the temporary payment token to the second electronic device via a point-to-point mode of near field communication.

20. A payment device, applied to a second electronic device, comprising: A receiving module, configured to receive a temporary payment token transmitted by a first electronic device through a point-to-point mode of near field communication, wherein the temporary payment token is determined by a server based on a first payment authorization request sent by the first electronic device, wherein the first payment authorization request includes a first identity information of a first user, a first credit amount set by the first user, and a first credit usage period, wherein the first credit amount is a credit limit authorized by the first user to a second user to use resources in the payment account of the first user, and the temporary payment token is used as a payment voucher for the first user to authorize the second user to conduct a transaction; The transmission module is used to transmit the temporary payment token to the acceptance device when the acceptance device generates a transaction order, and to settle the transaction order through the payment account associated with the temporary payment token when the temporary payment token is verified.

21. A payment device, applied to an acceptance device, comprising: an acquisition module, configured to acquire a temporary payment token from a second electronic device, the temporary payment token being acquired by the second electronic device from the first electronic device via a point-to-point mode of near field communication, the temporary payment token being determined by a server based on a first payment authorization request sent by the first electronic device, the first payment authorization request comprising a first identity information of a first user, a first credit amount set by the first user, and a first amount usage period, the first credit amount being a credit limit authorized by the first user to the second user to use resources in the payment account of the first user, and the temporary payment token being used as a payment voucher for the first user to authorize the second user to conduct a transaction; A sending module is used to send a transaction request to a server, wherein the transaction request includes a transaction order related to the second electronic device and the temporary payment token, so that the server verifies the temporary payment token and settles the transaction order through a payment account associated with the temporary payment token if the temporary payment token is verified.

22. A computer device, the device comprising: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, it implements the steps of the payment method as described in any one of claims 1-8, or implements the steps of the payment method as described in any one of claims 9-12, or implements the steps of the payment method as described in any one of claims 13-14, or implements the steps of the payment method as described in claim 15.

23. A storage medium having computer program instructions stored thereon, wherein the computer program instructions, when executed by a processor, implement the steps of the payment method as described in any one of claims 1 to 8, or implement the steps of the payment method as described in any one of claims 9 to 12, or implement the steps of the payment method as described in any one of claims 13 to 14, or implement the steps of the payment method as described in claim 15.

24. 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 steps of the payment method as described in any one of claims 1 to 8, or the steps of the payment method as described in any one of claims 9 to 12, or the steps of the payment method as described in any one of claims 13 to 14, or the steps of the payment method as described in claim 15.

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