Payment service processing method, device and equipment

Abstract

The invention discloses a payment service processing method, a payment service processing device and payment service processing equipment, which are applied to external payment equipment configured for a cashier POS (Point Of Sale) machine. The method comprises the following steps: detecting whether a cashier POS machine establishes a first connection with an external payment device through one universal communication protocol in a plurality of specified universal communication protocols; if yes, establishing a second connection with the cashier POS machine by adopting a private communication protocol provided by a service party of the external payment equipment based on the first connection, so that the cashier POS machine triggers the external payment equipment to use the extended payment capability through the second connection; when the external payment device uses the extended payment capability, corresponding service information is generated, and the mobile network state of the external payment device is detected; and if the state of the mobile network is abnormal, at least part of the service information is sent to the cashier POS machine through the second connection, so that the cashier POS machine forwards the at least part of the service information, and the service information is grounded to the far-end server.

Description

Technical Field

[0001] The present invention relates to the field of electronic payment technology, and in particular to a payment service processing method, device and equipment. Background Art

[0002] In daily life, merchants usually collect payments from consumers through point of sale (POS) machines deployed at cash registers. Cash register POS machines usually support traditional payment methods such as bank cards, credit cards, and cash. However, more and more new payment methods are emerging and even becoming popular, such as code scanning payment, near-field communication payment, face payment, palm payment, etc., which bring challenges to the capabilities and convenience of cash register POS machines.

[0003] In order to make full use of the existing cash register POS machines in a large number of merchants to promote new payment methods, payment service providers of new payment methods have launched various corresponding external payment devices to expand the payment capabilities of cash register POS machines, so that cash register POS machines can indirectly use the extended payment capabilities provided by the external payment devices deployed for them, so as to support the corresponding new payment methods. For example, an external payment device is a near-field communication payment device, which can expand the near-field communication payment capabilities of the cash register POS machine by connecting to the cash register POS machine.

[0004] Specifically, when a user wants to use the NFC payment method at the cashier counter, the cashier can operate the cashier POS machine and send a trigger signal to the NFC payment device through the cashier POS machine. The NFC payment device itself has a mobile communication module such as 4G or 5G. Then, under the trigger of the trigger signal, the NFC payment device uses the corresponding mobile network service based on its own mobile communication module to interact with the remote server of its own payment service provider, and deduct the user's payment account in the payment service provider accordingly, thereby completing the NFC payment for the user. The deducted amount will be settled to the merchant in a timely manner according to the predetermined strategy. Through this type of solution, even if the merchant continues to use the original cashier POS machine, it can still conveniently expand to support more new payment methods, and the transformation cost is relatively low.

[0005] However, in actual application, the above solution also has some problems. Specifically, if the mobile network status at the merchant's cash register is abnormal, for example, the network signal is weak or even no network signal, the operation of the external payment device deployed for the cash register POS machine will be affected, the payment processing delay will increase or even fail directly, thus affecting the payment experience of users and merchants.

[0006] Based on this, there is a need for a solution that helps to further improve the working reliability of external payment devices. Summary of the invention

[0007] One or more embodiments of the present specification provide a payment service processing method, apparatus and device to solve the following technical problem: a solution is needed to help further improve the working reliability of external payment devices.

[0008] To solve the above technical problems, one or more embodiments of this specification are implemented as follows: One or more embodiments of this specification provide a payment service processing method, which is applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively. The method includes: Detecting whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple universal communication protocols; If yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device; If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device through the mobile network; If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0009] One or more embodiments of this specification provide a payment service processing device, which is applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively, and the device includes: A first connection detection module, detecting whether the cash register POS machine has established a first connection with the external payment device through one of a plurality of specified universal communication protocols; A second connection establishing module, if yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; A network status detection module, which generates corresponding service information and detects the mobile network status of the external payment device when the external payment device uses the extended payment capability; A business information direct sending module, which directly sends the business information to the remote server of the service provider of the external payment device through the mobile network if the mobile network status is normal; The business information forwarding module sends at least part of the business information to the cash register POS machine through the second connection if the mobile network status is abnormal, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0010] One or more embodiments of this specification provide a payment service processing device, which is applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively, and the device includes: at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute: Detecting whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple universal communication protocols; If yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device; If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device through the mobile network; If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0011] At least one of the above-mentioned technical solutions adopted in one or more embodiments of the present specification can achieve the following beneficial effects: based on the private communication protocol provided by the service provider of the external payment device, it is compatible with multiple general communication protocols at a lower layer. Even for different cash register POS machines, different general connection methods are used to connect with the external payment device (i.e., the first connection), the external payment device can automatically establish a higher-level connection (i.e., the second connection) with the cash register POS machine based on the private communication protocol without obstacles on the basis of the connection. On the one hand, the higher-level connection is used to provide a trigger channel for the cash register POS machine to trigger the external payment device. On the other hand, it is also prepared to lend the channel to the external payment device for indirect remote interaction. Therefore, when the mobile network status of the external payment device is abnormal, it can automatically borrow the network capability of the cash register POS machine (especially the reliable wired communication network capability) through the channel to interact with the remote server for business information, and reliably complete payment-related services for users, which helps to improve the user and merchant experience and help to better promote more payment methods based on external payment devices. BRIEF DESCRIPTION OF THE DRAWINGS

[0012] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0013] Figure 1 A flowchart of a payment service processing method provided in one or more embodiments of this specification; Figure 2 One or more embodiments of this specification provide Figure 1 A schematic diagram of a system framework for implementing the method in a practical scenario; Figure 3 A flowchart of a data processing solution using a small instruction channel provided for one or more embodiments of this specification; Figure 4 A schematic diagram of a flow chart of a rerouting solution for information sent by a user mobile terminal provided in one or more embodiments of this specification; Figure 5 A schematic diagram of the structure of a payment service processing device provided for one or more embodiments of this specification; Figure 6 A schematic diagram of the structure of a payment service processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0014] The embodiments of this specification provide a payment service processing method, apparatus, device and storage medium.

[0015] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this application, not all of them. Based on the embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this application.

[0016] In order to solve the problems in the background technology, the present application considers reusing the trigger channel between the cash register POS machine and the external payment device to provide indirect remote interaction capability for the external payment device, so that the remote interaction capability can be temporarily borrowed when the mobile network of the external payment device is abnormal; not only that, it is also necessary to emphasize that, considering that the specifications of the existing cash register POS machines are varied and their processing capabilities are limited, a lightweight small instruction method is used to construct the trigger channel, which brings about the additional problem of insufficient capability of the trigger channel. A deeper supporting solution is also provided to solve this additional problem, thereby providing higher business capabilities for external payment devices and realizing some uses that have not yet been realized.

[0017] Based on this general idea, the solution of this application will be further described below.

[0018] Figure 1 A flow chart of a payment service processing method provided for one or more embodiments of this specification, the method is applied to an external payment device configured for a cash register POS machine. The external payment device can provide one or more payment methods that the cash register POS machine itself does not have, so as to expand additional payment capabilities for the cash register POS machine, such as near field communication payment (based on touch sensing recognition), face payment (based on face recognition), palm payment (based on palmprint recognition), iris payment and other capabilities. Accordingly, the external payment device, for example, belongs to at least one of the following devices: near field communication payment device, face payment device, palm payment device, iris payment device, etc.

[0019] The external payment device can be particularly portable and relatively compact, which makes it easier to deploy for cash register POS machines. Cash register POS machines are already available, and there are a variety of different cash register POS machines on the market. The solution of this application can be better compatible with a large number of different (different brands, different models, different operating systems, different operating logics, different hardware interfaces, different communication capabilities, different security capabilities, different permission management methods, etc.) cash register POS machines, and the transformation cost is low. The cash register POS machine and the external payment device can be provided by different service providers (here mainly refers to that they are not the same product). For example, the external payment device is provided by a third-party payment service provider, and the cash register POS machine may be provided by some traditional financial equipment manufacturers.

[0020] Figure 1 The process in includes the following steps: S102: Detect whether the cash register POS machine has established a first connection with the external payment device through a general communication protocol among a plurality of specified general communication protocols.

[0021] The general purpose here mainly refers to the more common and standardized ones (which can be the internal standards of the industry's leading companies), which are relatively low-level in terms of the protocol level. The cash register POS machine itself supports one or more general communication protocols, such as serial port, Bluetooth, USB (including TYPC-C), WiFi, etc., and has corresponding hardware interfaces or wireless interfaces. Of course, different cash register POS machines may have different support situations. In addition, these general communication protocols may also overlap and support implementations. For example, serial port communication may also be implemented based on the USB interface, and so on.

[0022] For these universal communication protocols, the universal communication protocols that are also supported by the external payment device can be used as the designated universal communication protocols. If the cash register POS machine is connected to the external payment device through a hardware interface or wirelessly based on any designated universal communication protocol, a first connection is established. Taking the serial port (for example, RS232, RS485 and other standard serial interfaces) as an example, the cash register POS machine can be connected to the external payment device through a serial port data cable. Of course, a wireless serial port may also be used.

[0023] S104: If yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection.

[0024] The level of private communication protocols is relatively higher than that of general communication protocols. That is, from the perspective of private communication protocols, for data transmitted using general communication protocols, private communication protocols can also be used to add encapsulation content to the data, thereby carrying more special data, so that the data receiving end can use private communication protocols to decapsulate and identify the data, and more special business purposes can be achieved based on the special data.

[0025] In one or more embodiments of this specification, the private communication protocol may be a protocol that supports or is limited to lightweight small instruction communications, which is particularly suitable for the basic scenarios of this application. The reason is that the applicant has noticed that in actual applications, the processing power of the cash register POS machine is relatively limited, and the immediacy requirements of its services are relatively high. Although some existing high-level communication protocols can also be used in some cash register POS machines to create a business interaction channel between the cash register POS machine and the external payment device, it will affect the working efficiency of the cash register POS machine and may even cause the cash register POS machine to respond slowly. Based on this, the applicant has adopted a customized private communication protocol, which can be called a small instruction protocol, which is used to establish a second connection of a higher protocol layer on the basis of the first connection to interact between the cash register POS machine and the external payment device through small instructions, which simplifies the information format and amount of information and effectively reduces the interaction burden.

[0026] Through the second connection, the cash register POS machine can send a small business trigger instruction to trigger the external payment device to use the extended payment capability, such as initiating near-field communication payment, etc. Of course, after the external cash register payment interacts with the remote server to complete the payment process, it can also send a small business result instruction to the cash register POS machine through the second connection, so that it can obtain the business result and display it to the cashier or user.

[0027] For external payment devices, since the private communication protocol can be provided by the same service provider, the device can directly support the private communication protocol through factory pre-setting, etc. For cash register POS machines, small instruction software can be additionally deployed on them to expand support for private communication protocols, so that the external payment device and the cash register POS machine can perform two-way communication based on their respective small instruction software.

[0028] In one or more embodiments of the present specification, if it is detected that the above-mentioned first connection has been established, the small instruction software deployed on the cash register POS machine and based on the private communication protocol provided by the service provider of the external payment device can be determined; based on the first connection, communicate with the small instruction software on the cash register POS machine, and establish a second connection based on the private communication protocol. After that, some specified business operations on the cash register POS machine can be converted into corresponding lightweight small instructions, which are sent to the external payment device through the second connection to trigger the external payment device to use the corresponding extended capabilities.

[0029] Specified business operations, such as payment request, member login request, biometric information registration request, etc. It should be noted that these business operations can be newly defined business operations corresponding to new business semantics based on or in addition to the existing business semantics of the cash register POS machine through intent recognition or other means, thereby firstly expanding additional functions for the cash register POS machine in terms of operation form, so that the cashier still mainly operates the cash register POS machine, and this function is actually implemented by the external payment device.

[0030] S106: When the external payment device uses the extended payment capability, corresponding service information is generated, and the mobile network status of the external payment device is detected.

[0031] In one or more embodiments of the present specification, the business information may be in various forms, such as a business code value reflecting user account information, a corresponding deduction authorization voucher, a user's biometrics, an image related to the business, and so on.

[0032] At least part of the business information needs to be provided to the remote server corresponding to the external payment device for processing in order to complete the payment-related business, such as deductions, account login, member login, verification information change, etc. First, check whether the mobile network status of the external payment device is normal, so as to decide whether it is currently suitable to communicate and interact with the remote server through the external payment device’s own mobile network service. If the signal of the mobile network is not good enough, for example, the signal is too weak or even no signal, it can be considered that the mobile network status is abnormal, otherwise, it can be considered that the mobile network status is abnormal. Of course, the detection can also involve more aspects. For example, if the specific network transmission speed, stability or reliability is not good enough, the mobile network status can also be abnormal.

[0033] In addition, the external payment device itself may not support the mobile network. In this case, it can be directly considered that the mobile network status of the external payment device is abnormal.

[0034] S108: If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device through the mobile network.

[0035] The mobile network is, for example, a cellular network such as 4G or 5G. The remote server processes the received business information and returns the processing result to the external payment device through the mobile network. The external payment device can notify the cash register POS machine accordingly through the second connection.

[0036] S110: If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0037] In one or more embodiments of the present specification, the second connection and the remote communication capability of the cash register POS machine (when the cash register POS machine is wired to the network end, this capability is particularly reliable) are used to help the external payment device communicate indirectly with its remote server. At least part of the business information mentioned in step S110 may include key information required to perform the payment-related business, such as a payment code value or an account code value.

[0038] The cash register POS machine forwards at least part of the business information directly to the remote server, or forwards it to a designated service transfer station, which then routes and forwards it to the remote server. The response information processed by the remote server can be returned via the reverse path.

[0039] pass Figure 1 The method is based on the private communication protocol provided by the service provider of the external payment device, and is compatible with multiple general communication protocols at a lower layer. Even if different cash register POS machines use different general connection methods to connect with the external payment device (i.e., the first connection), the external payment device can automatically establish a higher-level connection (i.e., the second connection) with the cash register POS machine based on the private communication protocol without any obstacles on the basis of the connection. The higher-level connection, on the one hand, is used to provide a trigger channel for the cash register POS machine to trigger the external payment device, and on the other hand, it is also prepared to lend the channel to the external payment device for indirect remote interaction. Therefore, when the mobile network status of the external payment device is abnormal, the network capability of the cash register POS machine (especially the reliable wired communication network capability) can be automatically borrowed through the channel to interact with the remote server for business information, and payment-related services can be reliably completed for the user, which is helpful to improve the user and merchant experience and help to better promote more payment methods based on external payment devices.

[0040] It should be noted that this application mainly adopts the sharing method of the small instruction channel (i.e., the second connection) to realize the remote communication of the external payment device without the network. The advantages of this method also include simple deployment, mainly installing the small instruction software on the cash register POS machine, and no need for the merchant to perform complicated permission configuration and other operations on the cash register POS machine, and it has good applicability to different cash register POS machine operating systems and operation methods. As long as the first connection is established, the small instruction software will automatically establish a second connection at a higher protocol layer and be ready. Then, the external payment device can stably borrow the network capacity of the cash register POS machine based on the small instruction channel, without the merchant doing additional operations, and it is better to be non-sensitive.

[0041] based on Figure 1 This specification also provides some specific implementation plans and extension plans of the method, which will be described below.

[0042] According to the above description, in order to facilitate implementation, more intuitively, one or more embodiments of this specification also provide Figure 1 The implementation system framework diagram of the method in a practical scenario is shown in Figure 2 .

[0043] In this actual scenario, the general communication protocol is, for example, a serial port, Bluetooth, or other relatively standardized protocols supported by a cash register POS machine. The above-mentioned business information at least includes a corresponding remote procedure call (RPC) request, and the above-mentioned private communication protocol may be a small instruction protocol.

[0044] exist Figure 2 In the system framework, there are three main parts. The upper left side is the external payment device, and the upper right side is the cash register POS machine, which can be a variety of heterogeneous models currently available on the market. These two parts are at the merchant's cash register. In addition, there is a user mobile terminal, which is omitted and not shown. It can interact with the external cash register device so that the external cash register device can obtain user-related information in order to perform deductions or other business operations on the user. The lower side is the remote device, including the remote server corresponding to the external payment device, which can be a payment server, and also includes a service transfer station.

[0045] The small instruction software can be deployed in advance on the external payment device and the cash register POS machine, respectively, so that they have the corresponding driver and software capabilities, which are respectively called external small instruction software and POS machine small instruction software. Exemplarily, the POS machine small instruction software includes a small instruction service module, a small instruction protocol management module, an RPC management module, etc. The small instruction protocol management module includes a small instruction SDK for specifically implementing the small instruction protocol, and the small instruction service is used to manage the two-way communication of the small instruction. The external cash register device also has an additional cash register component for generating a corresponding RRC request in response to the current payment-related business.

[0046] Figure 2 A typical operation process of the system framework in includes the following actions: When the cash register POS machine is connected to the external payment device via Bluetooth, serial port or other specified low-level communication protocol interface, the small instruction connection state is automatically triggered, that is, the second connection is established; The cashier triggers the external payment device through the cash register POS machine and / or the user triggers the external payment device through the mobile phone, so that it generates a corresponding RRC request and waits to initiate a request to the remote server, such as requesting to query the payment code or the payment result. At this time, if the external payment device detects that its mobile network status is no network or weak network, it will communicate the RPC request through small instructions to the small instruction software of the cash register POS machine, and proxy the request for the relevant RPC interface to the service transfer station; After receiving the message, the service transfer station automatically routes and forwards it to the relevant system service of the remote server, and calls back the data returned by the system service to the cash register POS machine, and then sends it back to the external payment device through a small instruction, thus completing the process of using the small instruction channel and the cash register POS machine network to proxy the ability to run related interfaces.

[0047] Exemplarily, the small instruction protocol is further explained.

[0048] From a hierarchical perspective, the above-mentioned general communication protocols are located at the lower physical medium layer and transmission layer, while the small instruction protocol is located above these layers and needs to be specially encapsulated before being sent to the lower layer for processing and transmission. The content of the special encapsulation can mainly include various small instructions, for example, the payment amount, near-field communication, or payment type such as face or palm scanning can be indicated in the small instruction.

[0049] A customized small instruction protocol data frame format, for example, includes a 3-byte frame header, a 1-byte version number, a 4-byte data length, several bytes (a small amount) of data, a 1-byte checksum and a 3-byte frame tail. Among them, the more critical data fields include, for example, the following enumeration types: "collection", "face recognition", "settings", "cancel", etc. By triggering the corresponding predetermined button on the cash register POS machine, the corresponding type of small instruction is triggered to be sent to the external payment device. For example, the "collection" type corresponds to the collection button of the cash register POS machine. When the cashier enters the collection amount and presses the collection button, on the one hand, the original collection logic of the cash register POS machine can be triggered to enter the collection state. On the other hand, the corresponding collection small instruction can also be generated and sent to the external payment device through the small instruction channel to trigger the external payment device to enter the collection state based on the extended payment method provided by it. In this case, the user can freely choose to use the external payment device for payment.

[0050] Furthermore, in the scheme of the present application, the RPC request generated by the external payment device (which can be simplified according to the set rules and converted into lighter small instruction content data) can be encapsulated in a small instruction protocol data frame and sent indirectly to the remote end by using the small instruction channel and the cash register POS machine, thereby eliminating the need to rely on the mobile network of the external payment device itself, and also reducing the burden on the cash register POS machine, and making better use of the small instruction channel.

[0051] In one or more embodiments of this specification, considering that when an external payment device uses extended payment capabilities, the corresponding business information generated may have a relatively large amount of data, which may cause obstacles to the transmission of small instruction channels. In addition, since this application also considers using business information to carry more special information to achieve additional special purposes, the above-mentioned obstacle problem may be aggravated.

[0052] In response to this obstacle, one or more embodiments of this specification provide a data processing solution that uses a small instruction channel as a solution. Figure 3 A flow chart of the scheme is shown in FIG.

[0053] Figure 3 The solution in includes the following steps: S302: When sending at least part of the business information to the cash register POS machine through the second connection, the corresponding business information is specifically split into a lightweight information part and other information parts.

[0054] Compared with the lightweight information part, the other information part has a larger data volume and / or a more complex structure. Using a small instruction channel to transmit it may cause problems in efficiency, reliability, etc.

[0055] In one or more embodiments of the present specification, the key information (especially the minimum key information) required to execute the payment-related business is included in at least part of the business information. Preferably, the key information can be included in the lightweight information part. Thus, only by successfully performing the corresponding lightweight interaction, the basic and high-priority business tasks can be completed, and the experience of users and merchants can be guaranteed. For example, assuming that the payment-related business is a deduction payment, the key information may be the payment code value or the user account, and other information may be verification information or behavior record information; of course, the payment-related business may also be a composite task including a deduction payment and more other additional tasks, and the amount of other information or the type of information may increase accordingly, for example, it may include additional screenshot images, biometric information, plug-in collection information, etc.

[0056] Furthermore, for at least part of the business information, field granularity level disassembly is performed to more accurately separate the lightweight information part. Specifically, for multiple fields in the same structure, key fields are extracted, and the key fields extracted from the multiple structures are restructured into a new structure as the lightweight information part, and the remaining part is used as the other information part.

[0057] In one or more embodiments of the present specification, based on the external payment device and the above-mentioned information splitting scheme, a scheme is also provided for additionally registering and binding another type of biometric information during the payment process. In this way, the user does not need to perform the more cumbersome active registration operation on his or her mobile phone, and the efficiency of executing payment services by the external payment device is also less affected.

[0058] In this case, the above-mentioned other information part may include the first biometric information used by the current user for registration, and the above-mentioned extended payment capability is near-field communication payment capability, or payment capability based on the second biometric information, wherein the first biometric information and the second biometric information correspond to different types of biometrics respectively.

[0059] For example, assuming that the external payment device is a near-field payment device, before the current user touches the near-field payment device with the user mobile terminal (taking a mobile phone that supports near-field communication as an example), the near-field payment device can prompt the user to quickly and easily register the first biometric information (taking facial information as an example). If the user agrees, when the user touches the near-field payment device with the mobile phone, on the one hand, based on the near-field communication sensing, the user account information or payment code value and other key information used for payment are read as the information corresponding to the user. On the other hand, the user's facial information is also collected through the near-field payment device. The corresponding pair of information can be used as lightweight information and transmitted through the second connection. The facial information can be used as other information parts and transmitted through the first connection. Afterwards, the facial information can be bound to the user reflected by the corresponding pair of information on the remote server (the binding operation can also be performed locally on the external payment device and then updated to the remote server). As a result, the user can then pay by swiping his face directly on the face-swiping payment device provided by the corresponding payment service provider.

[0060] Similarly, the external payment device can also be a face-scanning payment device, in which case the second biometric feature can be a face feature (if necessary, the face feature can be lightweight processed to adapt to the capabilities of small instructions), and the first biometric feature can be a palm print feature (the palm print feature can be collected more finely to ensure the adequacy and accuracy of the registration information). In this case, the user can conveniently register the palm print feature when paying with face. Following the same idea, there can be more different implementation methods depending on the payment capabilities of the external payment device.

[0061] S304: Send the lightweight information part to the small instruction software through the second connection, and send the other information part to the cash register POS machine through the first connection.

[0062] In one or more embodiments of the present specification, the lightweight information part will be transmitted through the small instruction channel, which is more efficient and effectively reduces the adverse effects on the small instruction channel. In addition, the lightweight information part can be encapsulated through the small instruction protocol to apply special security processing to the lightweight information part, which is more secure. For other information parts, the small instruction protocol encapsulation may not be performed, but only the lower-level general communication protocol encapsulation is performed, and then directly sent through the first connection.

[0063] In order to improve the reliability of the first connection transmission and enable smooth and accurate parsing in the subsequent process, other information parts are further processed before being sent. Specifically, for example, the information type corresponding to the general communication protocol corresponding to the first connection is determined, and other information parts are converted or packaged to disguise as disguised information of the corresponding information type (disguised as information suitable for transmission based on the corresponding general communication protocol, such as disguised as an image, audio, ordinary file or meaningless byte stream, etc.), and then the disguised information is sent to the cash register POS machine through the first connection, so that other information parts can be restored based on the disguised information in the future. Among them, for the determination of the corresponding information type, if the information type of the historical information that is actually most often directly transmitted by the current cash register POS machine based on the general communication protocol can be obtained, the information type can be determined as the corresponding information type. In this case, other information parts can be further disguised as the historical information, so that the security and reliability are better. Otherwise, the information type corresponding to the general communication protocol can be determined based on general experience.

[0064] In one or more embodiments of the present specification, it is considered that in actual applications, the solution can be implemented in different cash register POS environments. Since the cash register POS is provided by other service providers, it may not be trustworthy enough. Therefore, a defensive attitude is maintained, and a decision is made based on the current actual situation whether to make fuller use of the capabilities of the cash register POS.

[0065] For example, after splitting the corresponding business information into a lightweight information part and other information parts, the capability expansion security corresponding to the cash register POS machine is obtained. The capability expansion security is calculated based on the general communication protocol on which the first connection is based (for example, the security of the protocol itself), and / or relevant information of the service provider of the cash register POS machine (for example, the popularity of the service provider, the model capability of the cash register POS machine), etc., and can be used to demonstrate the reliability of the cash register POS machine relative to the external payment device; if the capability expansion security is high enough, a first indication mark (for example, it can be an additional flag bit) is carried in the lightweight information part to indicate that the lightweight information part and the other information parts are reassembled on the cash register POS machine; if the capability expansion security is not high enough, a second indication mark is carried in the lightweight information part to indicate that the lightweight information part and the other information parts are reassembled on the remote server; the POS machine small instruction software performs corresponding processing according to the indication mark.

[0066] In order to further ensure the transmission efficiency of the lightweight information part and prevent congestion of the first connection, after obtaining the corresponding capability expansion security of the cash register POS machine, the lightweight information part can be transmitted first, and other information parts can be asynchronously delayed relative to the lightweight information part. It should be noted that other information parts can also be transmitted not directly through the first connection, but can also be asynchronously delayed through the second connection. In this case, other information parts also need to be encapsulated by the small instruction protocol.

[0067] In one or more embodiments of this specification, it is considered that when the mobile network status of the external payment device is abnormal, the mobile network status of the user's mobile terminal currently making the payment may also be abnormal. Therefore, this application also provides a rerouting solution for the information sent by the user's mobile terminal, so as to provide service reliability guarantee for the user's mobile terminal by using the external payment device and the cash register POS machine without any sense. Figure 4 The figure is a flowchart of the rerouting solution.

[0068] Figure 4 The process in includes the following steps: S402: receiving a rerouting instruction and payment interaction information sent by the user's mobile terminal through short-range communication when the mobile network status of the user's mobile terminal is abnormal.

[0069] The rerouting instruction is used to request the external payment device to provide network assistance. The payment interaction information (e.g., payment confirmation information, etc.) is originally information that the user's mobile terminal uses to send directly to the corresponding payment server (e.g., the above-mentioned remote server or another server provided by the payment service provider) through its own mobile network.

[0070] If the mobile network status of the user's mobile terminal is normal, only the payment interaction information may be sent.

[0071] S404: In response to the rerouting instruction, convert the payment interaction information into a user side small instruction.

[0072] S406: Send the user's small instruction to the cash register POS machine through the second connection to help the user's mobile terminal to perform remote interaction.

[0073] In one or more embodiments of this specification, the second connection can be divided into a first channel and a second channel with data isolation; the user's small instruction is sent to the cash register POS machine through the first channel; wherein the second channel is used to send at least part of the business information. In this way, on the one hand, data confusion can be avoided, and on the other hand, it is also convenient to control the sending order and to perform optional and targeted differentiated processing.

[0074] S408: Receive the remote response small instruction forwarded by the cash register POS machine, and return it to the user mobile terminal through short-range communication.

[0075] pass Figure 4 With this solution, even if both the user's mobile terminal and the external payment device are in an abnormal mobile network state, remote interaction can still be completed seamlessly with good efficiency and security.

[0076] Based on the same idea, one or more embodiments of this specification also provide devices and apparatuses corresponding to the above methods, such as Figure 5 , Figure 6 The apparatus and device can accordingly execute the above method and related optional solutions.

[0077] Figure 5 A schematic diagram of a payment service processing device provided for one or more embodiments of this specification is applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively, and the device comprises: A first connection detection module 502 detects whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple universal communication protocols; A second connection establishing module 504, if yes, then based on the first connection, a private communication protocol provided by the service provider of the external payment device is used to establish a second connection with the cash register POS machine, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; A network status detection module 506, which generates corresponding service information and detects the mobile network status of the external payment device when the external payment device uses the extended payment capability; The business information direct sending module 508 directly sends the business information to the remote server of the service provider of the external payment device through the mobile network if the mobile network status is normal; The business information forwarding module 510 sends at least part of the business information to the cash register POS machine through the second connection if the mobile network status is abnormal, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0078] Optionally, the second connection establishing module 504 determines a small instruction software deployed on the cash register POS machine and based on a private communication protocol provided by a service provider of the external payment device; Based on the first connection, communicate with the small instruction software on the cash register POS machine, and establish a second connection based on the private communication protocol, which is used to send lightweight small instructions converted from business operations on the cash register POS machine to the external payment device, so as to trigger the external payment device to use extended payment capabilities.

[0079] Optionally, the private communication protocol is a protocol limited to lightweight small instruction communication; The general communication protocol includes at least one of the following types: serial port, Bluetooth, USB, and WiFi.

[0080] Optionally, the business information forwarding module 510 splits the corresponding business information into a lightweight information part and other information parts; The lightweight information part is sent to the small instruction software through the second connection, and the other information part is sent to the cash register POS machine through the first connection.

[0081] Optionally, the service information forwarding module 510 determines an information type corresponding to a universal communication protocol corresponding to the first connection; Convert or package the other information part to disguise it as disguised information of the corresponding information type; The disguised information is sent to the cash register POS machine through the first connection, so that the other information parts are subsequently restored according to the disguised information.

[0082] Optionally, the business information forwarding module 510, after splitting the corresponding business information into a lightweight information part and other information parts, obtains the capability extension security degree corresponding to the cash register POS machine, where the capability extension security degree is calculated based on the general communication protocol based on which the first connection is established and the relevant information of the service provider of the cash register POS machine; If the security level of the capability expansion is high enough, a first indication mark is carried in the lightweight information part to indicate that the lightweight information part and the other information parts are reassembled on the cash register POS machine; If the security level of the capability expansion is not high enough, a second indication mark is carried in the lightweight information part to instruct the remote server to reassemble the lightweight information part and the other information parts.

[0083] Optionally, key information required for executing the payment-related business is included in the lightweight information part; The business information forwarding module 510, after acquiring the capability extension security corresponding to the cash register POS machine, asynchronously delays sending the other information parts relative to the lightweight information part.

[0084] Optionally, the other information part includes the first biometric information of the current user used for registration; The extended payment capability is a near field communication payment capability, or a payment capability based on the second biometric information; The first biometric characteristic information and the second biometric characteristic information correspond to different types of biometric characteristics respectively.

[0085] Optionally, the extended payment capability is a near field communication payment capability; The network status detection module 506 prompts the current user to register the first biometric information before the user's mobile terminal touches the external payment device; If the user agrees, when the user's mobile terminal touches the external payment device, key information for payment is read based on near field communication sensing as the lightweight information part; And, the first biometric information of the user is collected as the other information part.

[0086] Optionally, the service information forwarding module 510 receives a rerouting instruction and payment interaction information sent by a user mobile terminal through short distance communication when the mobile network status of the user mobile terminal is abnormal; In response to the rerouting instruction, convert the payment interaction information into a user side small instruction; The user's small instruction is sent to the cash register POS machine through the second connection to help the user's mobile terminal to perform remote interaction; Receive the remote response small instruction forwarded by the cash register POS machine, and return it to the user mobile terminal through short-range communication.

[0087] Optionally, the service information forwarding module 510 divides the second connection into a first channel and a second channel with data isolation; Sending the user's small instruction to the cash register POS machine through the first channel; The second channel is used to send at least part of the service information.

[0088] Optionally, the external payment device is at least one of the following devices: Near field communication payment devices, face recognition payment devices, and palm recognition payment devices.

[0089] Figure 6A schematic diagram of the structure of a payment service processing device provided for one or more embodiments of this specification is applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively, and the device includes: at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute: Detecting whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple universal communication protocols; If yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device; If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device through the mobile network; If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0090] Based on the same idea, one or more embodiments of this specification further provide a non-volatile computer storage medium, which is applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively, and the medium stores computer executable instructions, wherein the computer executable instructions are set to: Detecting whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple universal communication protocols; If yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device; If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device through the mobile network; If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0091] In the 1990s, it was very clear whether the improvement of a technology was hardware improvement (for example, improvement of the circuit structure of diodes, transistors, switches, etc.) or software improvement (improvement of the method flow). However, with the development of technology, many improvements of the method flow today can be regarded as direct improvements of the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be implemented with hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and make dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0092] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0093] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0094] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0095] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

[0096] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0097] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0098] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0099] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0100] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0101] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0102] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, an element defined by the sentence "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity or device including the element.

[0103] This specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. This specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0104] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device, equipment, and non-volatile computer storage medium embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0105] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0106] The above description is only one or more embodiments of this specification and is not intended to limit this specification. For those skilled in the art, one or more embodiments of this specification may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of this specification shall be included in the scope of the claims of this specification.

Claims

1. A payment service processing method, applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively, and the method comprises: Detecting whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple universal communication protocols; If yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device; If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device through the mobile network; If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

2. The method according to claim 1, wherein the second connection is established with the cash register POS machine based on the first connection and using a private communication protocol provided by the service provider of the external payment device, specifically comprising: Determine the small instruction software deployed on the cash register POS machine based on the private communication protocol provided by the service provider of the external payment device; Based on the first connection, communicate with the small instruction software on the cash register POS machine, and establish a second connection based on the private communication protocol, which is used to send lightweight small instructions converted from business operations on the cash register POS machine to the external payment device, so as to trigger the external payment device to use extended payment capabilities.

3. The method of claim 2, wherein the private communication protocol is a protocol limited to lightweight small instruction communication; The general communication protocol includes at least one of the following types: serial port, Bluetooth, USB, and WiFi.

4. The method according to claim 2, wherein sending at least part of the business information to the cash register POS machine through the second connection specifically comprises: Splitting the corresponding business information into a lightweight information part and other information parts; The lightweight information part is sent to the small instruction software through the second connection, and the other information part is sent to the cash register POS machine through the first connection.

5. The method according to claim 4, wherein sending the other information part to the cash register POS machine through the first connection specifically comprises: Determine an information type corresponding to a universal communication protocol corresponding to the first connection; Convert or package the other information part to disguise it as disguised information of the corresponding information type; The disguised information is sent to the cash register POS machine through the first connection, so that the other information parts are subsequently restored according to the disguised information.

6. The method according to claim 4, after splitting the corresponding business information into a lightweight information part and other information parts, the method further comprises: Acquire the capability extension security degree corresponding to the cash register POS machine, where the capability extension security degree is calculated based on the general communication protocol based on which the first connection is established and the relevant information of the service provider of the cash register POS machine; If the security level of the capability expansion is high enough, a first indication mark is carried in the lightweight information part to indicate that the lightweight information part and the other information parts are reassembled on the cash register POS machine; If the security level of the capability expansion is not high enough, a second indication mark is carried in the lightweight information part to instruct the remote server to reassemble the lightweight information part and the other information parts.

7. The method according to claim 6, wherein the key information required to perform the payment-related business is included in the lightweight information part; After obtaining the capability expansion security level corresponding to the cash register POS machine, the method further includes: The sending of the other information portion is asynchronously delayed relative to the lightweight information portion.

8. The method according to claim 4, wherein the other information part includes the first biometric information of the current user used for registration; The extended payment capability is a near field communication payment capability, or a payment capability based on the second biometric information; in, The first biometric characteristic information and the second biometric characteristic information correspond to different types of biometric characteristics respectively.

9. The method according to claim 8, wherein the extended payment capability is a near field communication payment capability; The generating of corresponding business information specifically includes: Before the user's mobile terminal touches the external payment device, prompting the current user to register the first biometric information; If the user agrees, when the user's mobile terminal touches the external payment device, key information for payment is read based on near field communication sensing as the lightweight information part; And, the first biometric information of the user is collected as the other information part.

10. The method of claim 2, further comprising: Receiving a rerouting instruction and payment interaction information sent by a user's mobile terminal through short-range communication when the mobile network status of the user's mobile terminal is abnormal; In response to the rerouting instruction, convert the payment interaction information into a user side small instruction; The user's small instruction is sent to the cash register POS machine through the second connection to help the user's mobile terminal to perform remote interaction; Receive the remote response small instruction forwarded by the cash register POS machine, and return it to the user mobile terminal through short-range communication.

11. The method according to claim 10, wherein sending the user's small instruction to the cash register POS machine through the second connection specifically comprises: dividing the second connection into a first channel and a second channel with data isolation; Sending the user's small instruction to the cash register POS machine through the first channel; The second channel is used to send at least part of the service information.

12. The method according to any one of claims 1 to 11, wherein the external payment device is at least one of the following devices: Near field communication payment devices, face recognition payment devices, and palm recognition payment devices.

13. A payment service processing device, applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively, and the device comprises: A first connection detection module, detecting whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple universal communication protocols; A second connection establishing module, if yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; A network status detection module, which generates corresponding service information and detects the mobile network status of the external payment device when the external payment device uses the extended payment capability; A business information direct sending module, which directly sends the business information to the remote server of the service provider of the external payment device through the mobile network if the mobile network status is normal; The business information forwarding module sends at least part of the business information to the cash register POS machine through the second connection if the mobile network status is abnormal, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

14. The apparatus according to claim 13, wherein the second connection establishment module determines a small instruction software deployed on the cash register POS machine and based on a private communication protocol provided by a service provider of the external payment device; Based on the first connection, communicate with the small instruction software on the cash register POS machine, and establish a second connection based on the private communication protocol, which is used to send lightweight small instructions converted from business operations on the cash register POS machine to the external payment device, so as to trigger the external payment device to use extended payment capabilities.

15. The apparatus of claim 14, wherein the private communication protocol is a protocol limited to lightweight, small instruction communications; The general communication protocol includes at least one of the following types: serial port, Bluetooth, USB, and WiFi.

16. The device according to claim 14, wherein the service information forwarding module splits the corresponding service information into a lightweight information part and other information parts; The lightweight information part is sent to the small instruction software through the second connection, and the other information part is sent to the cash register POS machine through the first connection.

17. The device according to claim 16, wherein the service information forwarding module determines the information type corresponding to the universal communication protocol corresponding to the first connection; Convert or package the other information part to disguise it as disguised information of the corresponding information type; The disguised information is sent to the cash register POS machine through the first connection, so that the other information parts are subsequently restored according to the disguised information.

18. The device according to claim 16, wherein the business information forwarding module, after splitting the corresponding business information into a lightweight information part and other information parts, obtains the capability extension security degree corresponding to the cash register POS machine, wherein the capability extension security degree is calculated based on the general communication protocol based on which the first connection is established and the relevant information of the service provider of the cash register POS machine; If the security level of the capability expansion is high enough, a first indication mark is carried in the lightweight information part to indicate that the lightweight information part and the other information parts are reassembled on the cash register POS machine; If the security level of the capability expansion is not high enough, a second indication mark is carried in the lightweight information part to instruct the remote server to reassemble the lightweight information part and the other information parts.

19. The apparatus according to claim 18, wherein the key information required to perform the payment-related business is included in the lightweight information part; The business information forwarding module, after obtaining the capability extension security corresponding to the cash register POS machine, asynchronously delays sending the other information parts relative to the lightweight information part.

20. The apparatus of claim 16, wherein the other information portion includes first biometric information of the current user for registration; The extended payment capability is a near field communication payment capability, or a payment capability based on the second biometric information; in, The first biometric characteristic information and the second biometric characteristic information correspond to different types of biometric characteristics respectively.

21. The device of claim 20, wherein the extended payment capability is a near field communication payment capability; The network status detection module prompts the current user to register the first biometric information before the user's mobile terminal touches the external payment device; If the user agrees, when the user's mobile terminal touches the external payment device, key information for payment is read based on near field communication sensing as the lightweight information part; And, the first biometric information of the user is collected as the other information part.

22. The device of claim 14, wherein the service information forwarding module receives a rerouting instruction and payment interaction information sent by a user mobile terminal through short-range communication when the mobile network status of the user mobile terminal is abnormal; In response to the rerouting instruction, convert the payment interaction information into a user side small instruction; The user's small instruction is sent to the cash register POS machine through the second connection to help the user's mobile terminal to perform remote interaction; Receive the remote response small instruction forwarded by the cash register POS machine, and return it to the user mobile terminal through short-range communication.

23. The device according to claim 22, wherein the service information forwarding module divides the second connection into a first channel and a second channel with data isolation; Sending the user's small instruction to the cash register POS machine through the first channel; in, The second channel is used to send at least part of the service information.

24. The apparatus according to any one of claims 13 to 23, wherein the external payment device is at least one of the following devices: Near field communication payment devices, face recognition payment devices, and palm recognition payment devices.

25. A payment service processing device, applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively, and the device comprises: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute: Detecting whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple universal communication protocols; If yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device; If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device through the mobile network; If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

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