A payment service processing method, device, and equipment

Abstract

The present invention discloses a payment service processing method, apparatus and device, which are applied to an external payment device configured for a cashier POS machine. The method includes: detecting whether the cashier POS machine has established a first connection with the external payment device through one of a specified plurality of general communication protocols; if so, based on the first connection, establishing a second connection with the cashier POS machine by using a private communication protocol provided by the service provider of the external payment device, for the cashier POS machine to trigger the external payment device to use extended payment capabilities through the second connection; when the external payment device uses the extended payment capabilities, generating corresponding service information and detecting the mobile network status of the external payment device; if the mobile network status is abnormal, sending at least part of the service information to the cashier POS machine through the second connection, so that the cashier POS machine forwards at least part of the service information, enabling it to indirectly reach the remote server.

Description

Technical Field

[0001] This specification relates to the field of electronic payment technologies, and particularly to a payment service processing method, apparatus, and device. Background Art

[0002] In daily life, merchants usually collect payments from consuming users through a point of sale (POS) machine deployed at the cashier desk. The cashier POS machine usually supports traditional payment methods such as bank cards, credit cards, and cash by itself. However, currently, more and more new payment methods have emerged and are gradually becoming popular. For example, code scanning payment, near field communication (NFC) payment, face brushing payment, palm brushing payment, etc., pose challenges to the capabilities and convenience of the cashier POS machine.

[0003] To make full use of the existing cashier POS machines at a large number of merchants to promote new payment methods, payment service providers for new payment methods have launched various corresponding external payment devices to expand the payment capabilities of the cashier POS machine. As a result, the cashier POS machine can indirectly use the extended payment capabilities provided by the external payment device through the deployed external payment device, so as to support the corresponding new payment methods. For example, an external payment device is an NFC payment device, which can expand the NFC payment capabilities for the cashier POS machine by connecting to the cashier POS machine.

[0004] Specifically, when a user wants to use the NFC payment method at the cashier desk, the cashier can operate on the cashier POS machine to send a trigger signal to the NFC payment device. 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 mobile communication module to perform business interactions with the remote server of its payment service provider, and deducts the corresponding amount from the user's payment account with the payment service provider, thereby completing the current NFC payment for the user. The deducted amount will be settled to the merchant in a timely manner according to a predetermined policy. Through such a solution, even if the merchant continues to use the original cashier POS machine, it can still conveniently expand to support more new payment methods with relatively low transformation costs.

[0005] However, in actual applications, some problems have also occurred in the above solutions. Specifically, if the mobile network status at the location of the merchant's cashier desk may be abnormal, for example, the network signal is weak or there is even no network signal, the operation of the external payment device deployed for the cashier POS machine will be affected, and the payment processing delay will become larger or even directly fail and become unavailable, thus affecting the payment experience of users and merchants.

[0006] Based on this, a solution that helps to further improve the working reliability of the external payment device is needed. Summary of the Invention

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

[0008] To solve the above technical problem, one or more embodiments of this specification are implemented as follows:

[0009] A payment service processing method provided by one or more embodiments of this specification is applied to an external payment device configured for a cashier POS machine. The cashier POS machine and the external payment device are provided by different service providers respectively. The method includes:

[0010] Detect whether the cashier POS machine has established a first connection with the external payment device through one of the specified multiple general communication protocols;

[0011] If so, based on the first connection, use the private communication protocol provided by the service provider of the external payment device to establish a second connection with the cashier POS machine, for the cashier POS machine to trigger the external payment device to use the extended payment ability through the second connection;

[0012] When the external payment device uses the extended payment ability, generate corresponding service information and detect the mobile network status of the external payment device;

[0013] If the mobile network status is normal, directly send the service information to the remote server of the service provider of the external payment device through the mobile network;

[0014] If the mobile network status is abnormal, send at least part of the service information to the cashier POS machine through the second connection, so that the cashier POS machine forwards at least part of the service information, and indirectly reaches the remote server.

[0015] A payment service processing apparatus provided by one or more embodiments of this specification is applied to an external payment device configured for a cashier POS machine. The cashier POS machine and the external payment device are provided by different service providers respectively. The apparatus includes:

[0016] A first connection detection module, which detects whether the cashier POS machine has established a first connection with the external payment device through one of the specified multiple general communication protocols;

[0017] A second connection establishment module, if so, based on the first connection, uses the private communication protocol provided by the service provider of the external payment device to establish a second connection with the cashier POS machine, for the cashier POS machine to trigger the external payment device to use the extended payment ability through the second connection;

[0018] A network status detection module, when the external payment device uses the extended payment ability, generates corresponding service information and detects the mobile network status of the external payment device;

[0019] A service information direct sending module, if the mobile network status is normal, directly sends the service information to the remote server of the service provider of the external payment device through the mobile network;

[0020] A service information forwarding module, if the mobile network status is abnormal, sends at least part of the service information to the cashier POS machine through the second connection, so that the cashier POS machine forwards at least part of the service information to indirectly reach the remote server.

[0021] A payment service processing device provided by one or more embodiments of this specification, which is applied to an external payment device configured for a cashier POS machine. The cashier POS machine and the external payment device are provided by different service providers respectively. The payment service processing device includes:

[0022] At least one processor; and,

[0023] A memory communicatively connected to the at least one processor; wherein,

[0024] The memory stores instructions executable by the at least one processor. The instructions are executed by the at least one processor, so that the at least one processor can execute:

[0025] Detect whether the cashier POS machine has established a first connection with the external payment device through one of the specified multiple general communication protocols;

[0026] If so, based on the first connection, use the private communication protocol provided by the service provider of the external payment device to establish a second connection with the cashier POS machine, for the cashier POS machine to trigger the external payment device to use the extended payment ability through the second connection;

[0027] When the external payment device uses the extended payment ability, generate corresponding service information and detect the mobile network status of the external payment device;

[0028] 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;

[0029] If the mobile network status 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 at least part of the service information, enabling it to indirectly reach the remote server.

[0030] One or more of the above technical solutions adopted in the 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 a variety of general communication protocols at a lower layer. Even for different cashier POS machines that use different general connection methods to connect to the external payment device (i.e., the first connection), the external payment device can automatically establish a higher-layer connection with the cashier POS machine based on the private communication protocol on the basis of this connection (i.e., the second connection). This higher-layer connection, on the one hand, provides a trigger channel for the cashier POS machine to trigger the external payment device, and on the other hand, it is also prepared to lend this channel to the external payment device for indirect remote interaction. Thus, when the mobile network status of the external payment device is abnormal, it can automatically borrow the network capabilities of the cashier POS machine (especially the reliable wired communication network capabilities) through this channel to interact with the remote server for service information, reliably complete payment-related services for users, help improve the user and merchant experience, and help better promote more payment methods based on external payment devices. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] In order to more clearly illustrate the technical solutions in the embodiments of the present specification or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings.

[0032] Figure 1 It is a schematic flowchart of a payment service processing method provided for one or more embodiments of the present specification;

[0033] Figure 2 provided for one or more embodiments of the present specification Figure 1 schematic diagram of the implementation system framework in an actual scenario of the method;

[0034] Figure 3 It is a schematic flowchart of a data processing solution for borrowing a small instruction channel provided for one or more embodiments of the present specification;

[0035] Figure 4 A flowchart of a rerouting scheme for information sent by a user mobile terminal provided for one or more embodiments of this specification;

[0036] Figure 5 A schematic structural diagram of a payment service processing device provided for one or more embodiments of this specification;

[0037] Figure 6 A schematic structural diagram of a payment service processing device provided for one or more embodiments of this specification. Detailed implementation manners

[0038] Embodiments of this specification provide a payment service processing method, device, equipment, and storage medium.

[0039] In order to enable those skilled in the art to better understand the technical solutions in this specification, the following will clearly and completely describe the technical solutions in the embodiments of this specification with reference to the accompanying drawings in the embodiments of this specification. Obviously, the described embodiments are only a part of the embodiments of this application, rather than all the embodiments. Based on the embodiments of this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this application.

[0040] To solve the problems in the background art, this application considers reusing the trigger channel between the cashier POS machine and the external payment device to provide indirect remote interaction capabilities for the external payment device, so that the remote interaction capabilities can be temporarily borrowed when the mobile network of the external payment device is abnormal; moreover, it should be emphasized that considering the chaotic specifications and limited processing capabilities of the existing cashier POS machines, a lightweight small instruction method is adopted to build this trigger channel, which brings an additional problem of insufficient trigger channel capabilities. A deeper supporting solution is also provided to solve this additional problem, thereby providing higher service capabilities for the external payment device and enabling some uses that have not been realized yet.

[0041] Based on such a general idea, the solutions of this application will be further described below.

[0042] Figure 1A schematic flowchart of a payment service processing method provided for one or more embodiments of this specification. This 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, thereby being able to expand additional payment capabilities for the cash register POS machine. For example, near-field communication payment (based on touch-sensing recognition), face-swiping payment (based on face recognition), palm-swiping payment (based on palmprint recognition), iris payment, etc. Correspondingly, the external payment device belongs to at least one of the following devices: near-field communication payment device, face-swiping payment device, palm-swiping payment device, iris payment device, etc.

[0043] The external payment device can especially be portable and relatively small, which is more convenient for deploying to the cash register POS machine. The cash register POS machine is existing, and there are various different cash register POS machines on the market currently. Adopting the solution of this application can be well compatible with a large number of different (different brands, different models, different operating systems, different operation logics, different hardware interfaces, different communication capabilities, different security capabilities, different permission control methods, etc.) cash register POS machines, with a relatively low transformation cost. The cash register POS machine and the external payment device can be provided by different service providers (here mainly referring to that they are not products of the same company). For example, the external payment device is provided by a certain third-party payment service provider, while the cash register POS machine may be provided by some traditional financial equipment manufacturers.

[0044] Figure 1 The process in [it] includes the following steps:

[0045] S102: Detect whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple general communication protocols.

[0046] The "general" here mainly refers to the currently relatively common and relatively standardized (which can be the internal standards of industry-leading enterprises), and is relatively lower-level at the protocol level. The cash register POS machine itself supports one or more general communication protocols. For example, serial port, Bluetooth, USB (including TYPC-C), WiFi, etc., and has corresponding hardware interfaces or wireless interfaces. Of course, the support situations of different cash register POS machines may be different. In addition, there may be mutual overlap and support implementation among these general communication protocols. For example, serial port communication may also be implemented based on the USB interface, etc.

[0047] For these general communication protocols, the general communication protocol supported by the external payment device can be used as the specified general communication protocol. If the cashier POS machine and the external payment device are connected through a hardware interface or wirelessly based on any of the specified general communication protocols, a first connection is established. Taking the serial port (such as standard serial interfaces like RS232 and RS485) as an example, the cashier POS machine and the external payment device can be connected wired through a serial data cable. Of course, a wireless serial port may also be used.

[0048] S104: If so, based on the first connection, use the private communication protocol provided by the service provider of the external payment device to establish a second connection with the cashier POS machine, for the cashier POS machine to trigger the external payment device to use the extended payment ability through the second connection.

[0049] The level of the private communication protocol is relatively higher than that of the general communication protocol. That is, from the perspective of the private communication protocol, for the data transmitted using the general communication protocol, the private communication protocol can also add encapsulated content to the data to carry more special data, so that the receiving end of the data can use the private communication protocol to unpack and identify, and more special business uses can be realized based on the special data.

[0050] In one or more embodiments of this specification, the private communication protocol can be a protocol that supports or is limited to lightweight small-instruction communication, which is particularly applicable to the basic scenario of this application. The reason is that the applicant noticed that in actual applications, the processing power of the cashier POS machine is relatively limited, and the requirement for its service instantaneity is relatively high. Although some existing advanced communication protocols can also be used in some cashier POS machines to create a business interaction channel between the cashier POS machine and the external payment device, it will affect the working efficiency of the cashier POS machine and may even cause the cashier POS machine to respond slowly. Based on this, the applicant adopted a customized private communication protocol, which can be called a small-instruction protocol, to establish a second connection at a higher protocol level on the basis of the first connection, and interact between the cashier POS machine and the external payment device through small instructions, simplifying the information format and information volume, and effectively reducing the interaction burden.

[0051] Through the second connection, the cashier POS machine can send a service trigger small instruction to trigger the external payment device to use the extended payment ability. For example, initiate near-field communication payment, etc. Of course, after the external cashier payment completes the payment process by interacting with the remote server, it can also send a service result small instruction to the cashier POS machine through the second connection, so that it can obtain the service result and display it to the cashier or the user.

[0052] For an external payment device, since the private communication protocol can be provided by the same service provider, the device can directly support the private communication protocol through factory presetting or other means. For a cash register POS machine, a small instruction software can be additionally deployed on it to expand the support for the private communication protocol. Thus, the external payment device and the cash register POS machine can perform two-way communication and interaction of small instructions based on their respective small instruction software.

[0053] In one or more embodiments of this 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 to 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 and sent to the external payment device through the second connection to trigger the external payment device to use the corresponding extended capabilities.

[0054] The specified business operations can be, for example, an operation to request payment, or an operation to request to log in to a membership, or an operation to request to register biometric information, and so on. It should be noted that these business operations can be newly defined corresponding to new business semantics through intention recognition or other means on the basis of or outside the existing business semantics of the cash register POS machine, so as to first expand additional functions for the cash register POS machine in terms of operation form, enabling the cashier to still mainly operate the cash register POS machine, and the function is actually implemented by the external payment device.

[0055] S106: When the external payment device uses the extended payment capability, generate corresponding business information and detect the mobile network status of the external payment device.

[0056] In one or more embodiments of this specification, the form of the business information can be diverse. For example, a business code value reflecting user account information; for another example, a corresponding deduction authorization voucher; for another example, user biometrics; for another example, an image related to the business; and so on.

[0057] 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 of this time. For example, deductions, account logins, membership logins, verification information changes, etc. First, detect whether the mobile network status of the external payment device is normal to decide whether it is suitable to communicate with the remote server through the mobile network service of the external payment device itself. If the signal of the mobile network is not good enough, for example, the signal is too weak or even there is no signal, it can be considered that the mobile network status is abnormal. On the contrary, it can be considered that the mobile network status is normal. Of course, the detection can also involve more aspects. For example, if the specific network transmission speed, stability, or reliability is not good enough, it can also be considered that the mobile network status is abnormal.

[0058] 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.

[0059] S108: If the mobile network status is normal, directly send the business information to the remote server of the service provider of the external payment device through the mobile network.

[0060] 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 accordingly notify the cashier POS machine through the second connection.

[0061] S110: If the mobile network status is abnormal, send at least part of the business information to the cashier POS machine through the second connection so that the cashier POS machine forwards at least part of the business information to indirectly reach the remote server.

[0062] In one or more embodiments of this specification, borrow the second connection and the remote communication ability of the cashier POS machine (this ability is particularly reliable when the cashier POS machine is wired to the network end) to help the external payment device indirectly communicate with its remote server. At least part of the business information mentioned in step S110 may include key information required to execute the payment-related business of this time, such as payment code values or account code values, etc.

[0063] The cashier POS machine directly forwards at least part of the business information to the remote server, or forwards it to a designated service transfer station, and then the service transfer station further routes and forwards it to the remote server. The response information after the remote server processes it can be returned through the reverse path.

[0064] By Figure 1The method, based on the private communication protocol provided by the service provider of the external payment device, is compatible with a variety of general communication protocols at a lower layer. Even for different cashier POS machines that use different general connection methods to connect to the external payment device (i.e., the first connection), the external payment device can automatically establish a higher-level connection with the cashier POS machine based on the private communication protocol on the basis of this connection (i.e., the second connection). This higher-level connection, on the one hand, provides a triggering channel for the cashier POS machine to trigger the external payment device. On the other hand, it is also prepared to lend this channel to the external payment device for indirect remote interaction. Thus, when the mobile network status of the external payment device is abnormal, it can automatically borrow the network capabilities of the cashier POS machine (especially reliable wired communication network capabilities) through this channel to interact with the remote server for business information, reliably complete payment-related services for users, help improve the user and merchant experience, and help better promote more payment methods based on the external payment device.

[0065] It should be noted that this application mainly adopts the method of sharing a small instruction channel (i.e., the second connection) to achieve the non-network remote communication of the external payment device. The advantages of this method also include simple deployment. It mainly requires installing small instruction software on the cashier POS machine, without the merchant having to perform complex permission configuration and other operations on the cashier POS machine. And it has good applicability to different cashier POS machine operating systems and operation methods. As long as the first connection is established, the small instruction software will automatically establish the second connection at a higher protocol level and be ready. Furthermore, the external payment device can stably borrow the network capabilities of the cashier POS machine based on the small instruction channel without additional operations by the merchant and is quite seamless.

[0066] Based on Figure 1 the method, this specification also provides some specific implementation schemes and extended schemes of this method, which will be continued to be described below.

[0067] According to the previous description, for the convenience of implementation and more intuitively, one or more embodiments of this specification also provide Figure 1 a schematic diagram of the implementation system framework of the method in an actual scenario. See Figure 2 .

[0068] In this actual scenario, the general communication protocol is, for example, a serial port, Bluetooth, or other more standardized protocols supported by the cashier POS machine. The above-mentioned business information at least includes the corresponding Remote Procedure Call (RPC) requests, and the above-mentioned private communication protocol can be a small instruction protocol.

[0069] In Figure 2Among them, the system framework is mainly divided into three parts. The upper left side is the external payment device, and the upper right side is the cashier POS machine, which can be a variety of heterogeneous models in the current market. These two parts are located at the merchant's cashier desk. In addition, there is also a user mobile terminal, which is omitted and not shown. It can interact with the external cashier device so that the external cashier device can obtain user-related information for deducting money from the user or performing other business operations. The lower side is the device at the remote end, including the remote server corresponding to the external payment device, specifically it can be a payment server, and also includes a service transfer station.

[0070] Small instruction software can be pre-deployed on the external payment device and the cashier POS machine respectively to enable them to have 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 small instructions. The external cashier device also additionally has a cashier component for generating corresponding RRC requests in response to the current payment-related business.

[0071] Figure 2 A typical operation process of the system framework in it includes the following actions:

[0072] After the cashier POS machine is connected to the external payment device via Bluetooth, serial port or other specified low-level communication protocol interfaces, the small instruction connection status is automatically triggered, that is, a second connection is established;

[0073] The cashier triggers the external payment device through the cashier POS machine, and / or the user triggers it through the mobile phone, so that it generates corresponding RRC requests to initiate requests to the remote server, such as requests to query payment codes, requests to query payment results, etc.;

[0074] 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 in the form of small instructions to the small instruction software of the cashier POS machine and proxy the request to the relevant RPC interface to the service transfer station;

[0075] After receiving it, the service transfer station automatically routes and forwards it to the relevant system services of the remote server, and calls back the data returned by the system services to the cashier POS machine, and then passes it back to the external payment device through small instructions, thus completing a process of borrowing the small instruction channel and the network of the cashier POS machine to proxy the operation of relevant interfaces.

[0076] Exemplarily, the small instruction protocol is further described.

[0077] In terms of hierarchy, the above-mentioned general communication protocols, such as the lower physical medium layer and transport layer, while the small instruction protocol is above these layers. After special encapsulation, it is given to the lower layer for processing and transmission. The content of the special encapsulation mainly can include various small instructions. For example, the payment amount, near-field communication, face brushing, palm brushing and other payment types can be indicated in the small instruction.

[0078] A format of a custom small instruction protocol data frame, 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, for example, include the following enumerated types: "receiving payment", "face brushing", "setting", "canceling", etc. By triggering the corresponding preset button on the cashier POS machine, the corresponding type of small instruction is triggered and sent to the external payment device. For example, the "receiving payment" type corresponds to the receiving payment button on the cashier POS machine. When the cashier enters the receiving payment amount and presses this receiving payment button, on the one hand, it can trigger the original receiving payment logic of the cashier POS machine and enter the receiving payment state. On the other hand, it can also generate the corresponding receiving payment small instruction and send it to the external payment device through the small instruction channel to trigger the external payment device to enter the receiving payment state based on the extended payment method it provides. In this case, the user can freely choose to use the external payment device for payment.

[0079] Furthermore, in the solution of this application, the RPC request generated by the external payment device (which can be simplified and processed according to the set rules and converted into a lighter-weight small instruction content data) can be encapsulated in the small instruction protocol data frame and indirectly sent to the remote end through the small instruction channel and the cashier POS machine, so that it does not need to rely on the mobile network of the external payment device itself. Moreover, the burden on the cashier POS machine is not large, and the small instruction channel is utilized more fully.

[0080] In one or more embodiments of this specification, considering that when the external payment device uses the extended payment ability, the amount of data generated by the corresponding business information may be relatively large, then for the transmission of the small instruction channel, it may cause obstacles. Not only that, because this application also considers using the business information to carry more special information to achieve additional special purposes, therefore, it may exacerbate the above obstacle problem.

[0081] To address this obstacle problem, one or more embodiments of this specification provide a data processing solution that borrows the small instruction channel. As a countermeasure, Figure 3 is a schematic flow diagram of this solution.

[0082] Figure 3 The solution in includes the following steps:

[0083] S302: When sending at least part of the service information to the cashier POS machine through the second connection, specifically split the corresponding service information into a lightweight information part and other information parts.

[0084] The other information part has a larger data volume and / or a more complex structure compared to the lightweight information part. There may be problems in terms of efficiency, reliability, etc. when transmitting through a small instruction channel.

[0085] In one or more embodiments of this specification, the key information (especially the least key information) required to execute the payment-related service is included in at least part of the service information. Preferably, this key information can be especially included in the lightweight information part. Thus, only by successfully performing the corresponding lightweight interaction can the basic and high-priority service tasks of this time be completed, and the experience of users and merchants can be guaranteed. For example, assuming that the payment-related service of this time is debit payment, the key information is, for example, the payment code value or the user account number, and the other information is, for example, verification information or behavior record information, etc.; of course, the payment-related service of this time can also be a composite task including debit payment and more other additional tasks, and the amount of information or information type of the other information will also increase accordingly. For example, it may include additional screenshot images, biometric information, in-process collection information, etc.

[0086] Furthermore, perform disassembly at the field granularity level for at least part of the service information to more precisely disassemble and separate the lightweight information part. Specifically, for multiple fields in the same structure, extract the key fields, and restructure the key fields extracted from multiple structures into a new structure as the lightweight information part, and the remaining part as the other information part.

[0087] In one or more embodiments of this specification, based on an external payment device and the above information splitting scheme, a scheme for additionally registering and binding another biometric information during the payment process is also provided. In this way, there is no need for the user to perform a relatively cumbersome active registration operation on their own mobile phone, and the impact on the efficiency of the external payment device performing payment services is also relatively low.

[0088] In this case, the above other information part may include the first biometric information used by the current user for registration, and the above extended payment ability is the near-field communication payment ability or the payment ability based on the second biometric information, where the first biometric information and the second biometric information correspond to different types of biometrics respectively.

[0089] For example, assume that the external payment device is a near-field payment device. Before the current user touches the near-field payment device with a user mobile terminal (taking a mobile phone supporting near-field communication as an example), the near-field payment device can prompt the user to quickly register the first biometric information (taking face information as an example) conveniently. If the user agrees, when the user touches the near-field payment device with the mobile phone, on the one hand, based on near-field communication induction, key information for payment such as the user's account information or payment code value is read as the information corresponding to the user, and on the other hand, the user's face information is also collected through the near-field payment device. The corresponding information can be used as lightweight information and transmitted through the second connection, and the face information can be used as other information part and transmitted through the first connection. Then, the face information can be bound to the user reflected by the corresponding information on the remote server (this binding operation can also be performed locally on the external payment device and then updated to the remote server). Thus, the user can directly perform face payment on the face payment device provided by the corresponding payment service provider later.

[0090] Similarly, the external payment device can also be a face payment device, then the second biometric feature can be a face feature (if necessary, lightweight processing can be performed on the face feature to adapt to the capabilities of small instructions), and the first biometric feature can be a palmprint feature (the palmprint feature can be collected more precisely to ensure the sufficiency and accuracy of the registered information). In this case, the user can conveniently register the palmprint feature when performing face payment. According to the same idea, there can be more different implementation manners according to the different payment capabilities of the external payment device.

[0091] S304: Send the lightweight information part to the small instruction software through the second connection, and send the other information part to the cashier POS machine through the first connection.

[0092] In one or more embodiments of this specification, the lightweight information part will be transmitted through the small instruction channel, so the efficiency is higher and the adverse impact on the small instruction channel is effectively reduced. Moreover, through small instruction protocol encapsulation, special security processing can be applied to the lightweight information part, and the security is better. For the other information part, small instruction protocol encapsulation may not be performed, but only lower-level general communication protocol encapsulation is performed, and then it is directly sent through the first connection.

[0093] To improve the reliability of the transmission of the first connection and to enable subsequent smooth and accurate parsing, additional processing is further performed on other information parts before transmission. Specifically, for example, determine the information type corresponding to the general communication protocol corresponding to the first connection, convert or package other information parts, and disguise them as disguised information of the corresponding information type (disguise them as information suitable for transmission based on the corresponding general communication protocol, such as disguise them as images, audio, ordinary files, or meaningless byte streams, etc.). Then, through the first connection, send the disguised information to the cashier POS machine so that other information parts can be restored based on the disguised information later. Among them, for the determination of the corresponding information type, if the information type of the historical information that the current cashier POS machine actually most often directly transmits based on this general communication protocol can be obtained, then this information type can be determined as the corresponding information type. In this case, other information parts can also be further disguised as this historical information, so the security and reliability are better. Otherwise, the information type corresponding to this general communication protocol can be determined according to general experience.

[0094] In one or more embodiments of this specification, considering that in actual applications, this solution can be implemented in different cashier POS machine environments. Since the cashier POS machine is provided by other service providers, it may not be sufficiently trustworthy. Therefore, maintaining a defensive attitude, make a decision on whether to more fully borrow the capabilities of the cashier POS machine according to the current actual situation.

[0095] Specifically, for example, after splitting the corresponding business information into a lightweight information part and other information parts, obtain the security degree of the ability extension corresponding to the cashier POS machine. The security degree of the ability extension is calculated based on the general communication protocol on which the first connection is established (such as how secure the protocol itself is), and / or relevant information of the service provider of the cashier POS machine (such as the popularity of the service provider, the model capabilities of the cashier POS machine, etc.), and can be used to represent the reliability degree of the cashier POS machine relative to the external payment device. If the security degree of the ability extension is high enough, carry a first indication identifier (such as an additional flag bit) in the lightweight information part to indicate that on the cashier POS machine, the lightweight information part and other information parts are reassembled; if the security degree of the ability extension is not high enough, carry a second indication identifier in the lightweight information part to indicate that on the remote server, the lightweight information part and other information parts are reassembled; the POS machine small instruction software performs corresponding processing according to the indication identifier.

[0096] To further ensure the transmission efficiency of the lightweight information part and prevent congestion of the first connection, after obtaining the security degree of capability expansion corresponding to the cashier POS machine, the lightweight information part can be preferentially transmitted, and other information parts can be asynchronously delayed for sending relative to the lightweight information part. It should be noted that for other information parts, they may not be directly transmitted through the first connection either, and can also be asynchronously delayed for sending through the second connection. In this case, small instruction protocol encapsulation also needs to be performed on other information parts.

[0097] In one or more embodiments of this specification, considering that when the mobile network status of the external payment device is abnormal, the mobile network status of the current user mobile terminal for payment may also be abnormal. Therefore, this application also provides a re-routing scheme for the information sent by the user mobile terminal to invisibly borrow the external payment device and the cashier POS machine to provide service reliability guarantee for the user mobile terminal. Figure 4 It is a schematic flow diagram of the re-routing scheme.

[0098] Figure 4 The process in it includes the following steps:

[0099] S402: Receive the re-routing instruction and payment interaction information sent by the user mobile terminal through short-range communication when its mobile network status is abnormal.

[0100] The re-routing instruction is used to request the external payment device to provide network assistance. The payment interaction information (such as payment confirmation information, etc.) is originally information that the user mobile terminal is used to directly send to the corresponding payment server (such as the above-mentioned remote server or another server provided by the payment service provider) through its own mobile network.

[0101] If the mobile network status of the user mobile terminal is normal, only the payment interaction information can be sent.

[0102] S404: In response to the re-routing instruction, convert the payment interaction information into a user-side small instruction.

[0103] S406: Send the user-side small instruction to the cashier POS machine through the second connection to help the user mobile terminal perform remote interaction.

[0104] 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; through the first channel, the user-side small instruction is sent to the cashier POS machine; wherein, the second channel is used to send at least part of the service 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 facilitate the execution of optional and targeted differential processing.

[0105] S408: Receive the remote response small instruction forwarded by the cashier POS machine and return it to the user mobile terminal through short-range communication.

[0106] Through Figure 4 's solution, even if the user mobile terminal and the external payment device are both in a situation where the mobile network status is abnormal, the remote interaction can still be completed without feeling, and the efficiency and security are relatively good.

[0107] Based on the same idea, one or more embodiments of this specification also provide the corresponding device and equipment for the above method, such as Figure 5 、 Figure 6 shown. The device and equipment can correspondingly execute the above method and related alternative solutions.

[0108] Figure 5 FIG. is a schematic structural diagram of a payment service processing device provided by one or more embodiments of this specification, which is applied to an external payment device configured for a cashier POS machine. The cashier POS machine and the external payment device are provided by different service providers respectively. The device includes:

[0109] The first connection detection module 502 detects whether the cashier POS machine has established a first connection with the external payment device through one of the specified multiple general communication protocols;

[0110] The second connection establishment module 504, if so, based on the first connection, uses the private communication protocol provided by the service provider of the external payment device to establish a second connection with the cashier POS machine, so that the cashier POS machine can trigger the external payment device to use the extended payment ability through the second connection;

[0111] The network status detection module 506 generates corresponding service information when the external payment device uses the extended payment ability and detects the mobile network status of the external payment device;

[0112] The service information direct sending module 508, if the mobile network status is normal, directly sends the service information to the remote server of the service provider of the external payment device through the mobile network;

[0113] The service information forwarding module 510, if the mobile network status is abnormal, sends at least part of the service information to the cashier POS machine through the second connection, so that the cashier POS machine forwards at least part of the service information, and indirectly reaches the remote server.

[0114] Optionally, the second connection establishment module 504 determines a small instruction software based on a private communication protocol provided by a service provider of the external payment device and deployed on the cashier POS machine;

[0115] Based on the first connection, communicate with the small instruction software on the cashier POS machine to establish a second connection based on the private communication protocol, which is used to send lightweight small instructions obtained by converting business operations on the cashier POS machine to the external payment device to trigger the external payment device to use extended payment capabilities.

[0116] Optionally, the private communication protocol is a protocol limited to lightweight small instruction communication;

[0117] The general communication protocol includes at least one of the following types: serial port, Bluetooth, USB, WiFi.

[0118] Optionally, the service information forwarding module 510 splits the corresponding service information into a lightweight information part and other information parts;

[0119] Send the lightweight information part to the small instruction software through the second connection, and send the other information part to the cashier POS machine through the first connection.

[0120] Optionally, the service information forwarding module 510 determines the information type corresponding to the general communication protocol of the first connection;

[0121] Convert or package the other information part to disguise it as a disguised information of the corresponding information type;

[0122] Send the disguised information to the cashier POS machine through the first connection so that the other information part can be restored according to the disguised information subsequently.

[0123] Optionally, after the service information forwarding module 510 splits the corresponding service information into a lightweight information part and other information parts, it obtains the capability extension security level corresponding to the cashier POS machine, and the capability extension security level is calculated based on the general communication protocol on which the first connection is established and relevant information of the service provider of the cashier POS machine;

[0124] If the capability extension security level is high enough, carry a first indication identifier in the lightweight information part to indicate that on the cashier POS machine, the lightweight information part and the other information part are reassembled;

[0125] If the security degree of the extended capability is not high enough, a second indication identifier is carried in the lightweight information part to indicate that the lightweight information part and the other information part are reassembled on the remote server.

[0126] Optionally, the key information required to perform the current payment-related service is included in the lightweight information part;

[0127] After obtaining the security degree of the extended capability corresponding to the cashier POS machine, the service information forwarding module 510 asynchronously delays sending the other information part with respect to the lightweight information part.

[0128] Optionally, the other information part includes the first biometric information used by the current user for registration;

[0129] The extended payment capability is a near-field communication payment capability or a payment capability based on second biometric information;

[0130] Wherein, the first biometric information and the second biometric information respectively correspond to different types of biometrics.

[0131] Optionally, the extended payment capability is a near-field communication payment capability;

[0132] Before the user mobile terminal touches the external payment device, the network status detection module 506 prompts the current user to register the first biometric information together;

[0133] If the user agrees, when the user mobile terminal touches the external payment device, the key information for payment is read based on near-field communication induction as the lightweight information part;

[0134] And, the first biometric information of the user is collected together as the other information part.

[0135] Optionally, the service information forwarding module 510 receives a rerouting instruction and payment interaction information sent by the user mobile terminal through short-range communication when its mobile network status is abnormal;

[0136] In response to the rerouting instruction, convert the payment interaction information into a user-side small instruction;

[0137] Send the user-side small instruction to the cashier POS machine through the second connection to assist the user mobile terminal in performing remote interaction;

[0138] Receive the remote response small instruction forwarded by the cashier POS machine and return it to the user mobile terminal through short-range communication.

[0139] Optionally, the service information forwarding module 510 divides the second connection into a first channel and a second channel with data isolation;

[0140] Send the user-side small instruction to the cashier POS machine through the first channel;

[0141] Wherein, the second channel is used to send at least part of the service information.

[0142] Optionally, the external payment device belongs to at least one of the following devices:

[0143] Near-field communication payment device, face-scanning payment device, palm-scanning payment device.

[0144] Figure 6 A schematic structural diagram of a payment service processing device provided for one or more embodiments of this specification, which is applied to an external payment device configured for a cashier POS machine. The cashier POS machine and the external payment device are provided by different service providers respectively. The payment service processing device includes:

[0145] At least one processor; and,

[0146] A memory communicatively connected to the at least one processor; wherein,

[0147] The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute:

[0148] Detect whether the cashier POS machine has established a first connection with the external payment device through one of a specified variety of general communication protocols;

[0149] If so, based on the first connection, establish a second connection with the cashier POS machine using the private communication protocol provided by the service provider of the external payment device, for the cashier POS machine to trigger the external payment device to use the extended payment ability through the second connection;

[0150] When the external payment device uses the extended payment ability, generate corresponding service information and detect the mobile network status of the external payment device;

[0151] If the mobile network status is normal, directly send the service information to the remote server of the service provider of the external payment device through the mobile network;

[0152] If the mobile network status 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 at least part of the service information, indirectly reaching the remote server.

[0153] Based on the same idea, one or more embodiments of this specification also provide a non-volatile computer storage medium, which is applied to an external payment device configured for a cashier POS machine. The cashier POS machine and the external payment device are provided by different service providers respectively. The medium stores computer-executable instructions, and the computer-executable instructions are set as follows:

[0154] Detect whether the cashier POS machine has established a first connection with the external payment device through one of the specified multiple general communication protocols;

[0155] If so, based on the first connection, a second connection is established with the cashier POS machine using the private communication protocol provided by the service provider of the external payment device, for the cashier POS machine to trigger the external payment device to use the extended payment ability through the second connection;

[0156] When the external payment device uses the extended payment ability, corresponding service information is generated, and the mobile network status of the external payment device is detected;

[0157] 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;

[0158] If the mobile network status 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 at least part of the service information, indirectly reaching the remote server.

[0159] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many method flow improvements today can be regarded as direct improvements to hardware circuit structures. 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 an improvement to a method flow cannot be implemented using a hardware entity module. For example, a programmable logic device (PLD) (e.g., a field programmable gate array (FPGA)) is such an integrated circuit whose logic function is determined by a user's programming of the device. Designers can program themselves to "integrate" a digital system onto a single PLD, without having to ask a chip manufacturer to design and fabricate a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly implemented using "logic compiler" software, which is similar to the software compilers used in program development and writing. The original code before compilation also has to be written in a specific programming language, which is called a hardware description language (HDL), and there is not just 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 currently are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be aware that by simply performing a little logical programming on the method flow using the above-mentioned several hardware description languages and programming it into an integrated circuit, it is easy to obtain the hardware circuit that implements the logical method flow.

[0160] The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of the controller include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that, in addition to implementing the controller in the form of pure computer-readable program code, it is entirely possible to logically program the method steps to enable the controller to be implemented in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded microcontrollers to achieve the same function. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be regarded as the structures within the hardware component. Or even, the devices for implementing various functions can be regarded as either software modules for implementing the method or structures within the hardware component.

[0161] The systems, devices, modules, or units illustrated in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can 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.

[0162] For the convenience of description, when describing the above devices, they are described separately as 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.

[0163] Those skilled in the art should understand that the embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, the embodiments of this specification can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the embodiments of this specification can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program code.

[0164] This specification is described with reference to the flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It should be understood that each flow and / or block in the flowchart and / or block diagram, and combinations of flows 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 the processors of general purpose computers, special purpose computers, embedded processors, or other programmable data processing devices to produce a machine, such that the instructions executed by the processors of the computer or other programmable data processing devices produce means for implementing the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 or means for implementing the functions specified in one or more of the blocks.

[0165] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer-readable memory produce a manufacture including instruction means that implement the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 or means for implementing the functions specified in one or more of the blocks.

[0166] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operational steps are performed on the computer or other programmable device to produce a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 or means for implementing the functions specified in one or more of the blocks.

[0167] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0168] The memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory such as read-only memory (ROM) or flash RAM. The memory is an example of computer-readable media.

[0169] A computer-readable medium includes both permanent and non-permanent, removable and non-removable media and can implement information storage by any method or technology. The 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 technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD), or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage, or other magnetic storage devices, or any other non-transitory medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer-readable medium does not include transitory computer-readable media such as modulated data signals and carrier waves.

[0170] It should also be noted that the term "comprises," "comprising," or any other variation thereof is intended to cover a non-exclusive inclusion, such that a process, method, commodity, or device that comprises a series of elements includes not only those elements but also other elements not expressly listed, or elements that are inherent to such process, method, commodity, or device. Without further limitation, an element defined by the statement "comprising an..." does not exclude the presence of additional identical elements in the process, method, commodity, or device that comprises the element.

[0171] This specification can 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 can also be practiced in a distributed computing environment where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media, including storage devices.

[0172] Each embodiment in this specification is described in a progressive manner. For the same or similar parts among the embodiments, reference can be made to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the embodiments of the apparatus, device, and non-volatile computer storage medium, since they are basically similar to the method embodiments, the description is relatively simple, and reference can be made to the corresponding parts of the method embodiments for the relevant content.

[0173] The above description has been made of specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the acts or steps recited in the claims may be performed in a different order than in the embodiments and still achieve the desired result. Additionally, the processes depicted in the drawings do not necessarily require the particular order or sequential order shown to achieve the desired result. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0174] The above is only one or more embodiments of this specification and is not intended to limit this specification. For those skilled in the art, there may be various modifications and variations to one or more embodiments of this specification. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of one or more embodiments of this specification shall be included within the scope of the claims of this specification.

Claims

1. A payment service processing method, applied to an external payment device configured for a cashier POS machine, where the cashier POS machine and the external payment device are provided by different service providers respectively. The method includes: Detecting whether the cashier POS machine has established a first connection with the external payment device through one of a specified plurality of general communication protocols; If so, based on the first connection, using a private communication protocol provided by the service provider of the external payment device to establish a second connection with the cashier POS machine, for the cashier POS machine to trigger the external payment device to use the extended payment ability through the second connection; When the external payment device uses the extended payment ability, generating corresponding service information and detecting the mobile network status of the external payment device; If the mobile network status is normal, directly sending the service information to the remote server of the service provider of the external payment device through the mobile network; If the mobile network status is abnormal, sending at least part of the service information to the cashier POS machine through the second connection, so that the cashier POS machine forwards at least part of the service information, indirectly reaching the remote server.

2. The method according to claim 1, where the establishing the second connection with the cashier POS machine using the private communication protocol provided by the service provider of the external payment device based on the first connection specifically includes: Determining a small instruction software deployed on the cashier POS machine and based on the private communication protocol provided by the service provider of the external payment device; Based on the first connection, communicating with the small instruction software on the cashier POS machine to establish a second connection based on the private communication protocol, for sending lightweight small instructions obtained by converting business operations on the cashier POS machine to the external payment device to trigger the external payment device to use the extended payment ability.

3. The method according to claim 2, where 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, WiFi.

4. The method according to claim 2, where the sending at least part of the service information to the cashier POS machine through the second connection specifically includes: Splitting the corresponding service information into a lightweight information part and other information parts; Sending the lightweight information part to the small instruction software through the second connection, and sending the other information part to the cashier POS machine through the first connection.

5. The method according to claim 4, where the sending the other information part to the cashier POS machine through the first connection specifically includes: Determining the information type corresponding to the general communication protocol corresponding to the first connection; Converting or packaging the other information part to disguise it as disguised information of the corresponding information type; Send the spoofing information to the cashier POS machine through the first connection, so that the other information part can be restored according to the spoofing information subsequently.

6. The method according to claim 4, after splitting the corresponding service information into a lightweight information part and an other information part, the method further includes: Obtain the extended security degree corresponding to the cashier POS machine, where the extended security degree is calculated based on the general communication protocol for establishing the first connection and relevant information of the service provider of the cashier POS machine; If the extended security degree is high enough, carry a first indication flag in the lightweight information part to indicate that the lightweight information part and the other information part are reassembled on the cashier POS machine; If the extended security degree is not high enough, carry a second indication flag in the lightweight information part to indicate that the lightweight information part and the other information part are reassembled on the remote server.

7. The method according to claim 6, the key information required for performing the current payment-related service is included in the lightweight information part; After obtaining the extended security degree corresponding to the cashier POS machine, the method further includes: Asynchronously delay sending the other information part relative to the lightweight information part.

8. The method according to claim 4, the other information part includes the first biometric information used by the current user for registration; The extended payment ability is near field communication payment ability or payment ability based on the second biometric information; Among them, The first biometric information and the second biometric information respectively correspond to different types of biometrics.

9. The method according to claim 8, the extended payment ability is near field communication payment ability; The generation of the corresponding service information specifically includes: Before the user mobile terminal touches the external payment device, prompt the current user to register the first biometric information together; If the user agrees, when the user mobile terminal touches the external payment device, read the key information for payment based on near field communication induction as the lightweight information part; And collect the first biometric information of the user as the other information part.

10. The method according to claim 2, further includes: Receive the rerouting indication and payment interaction information sent by the user mobile terminal through short-range communication when its mobile network status is abnormal; In response to the rerouting indication, convert the payment interaction information into a user-side small instruction; Send the user-side small instruction to the cashier POS machine through the second connection to assist the user mobile terminal in performing remote interaction; Receive the remote response small instruction forwarded by the cashier POS machine and return it to the user mobile terminal through short-range communication.

11. The method according to claim 10, the sending of the user-side small instruction to the cashier POS machine through the second connection specifically includes: Divide the second connection into a first channel and a second channel with data isolation; Send the small user instruction to the cashier POS machine through the first channel; Wherein, 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 belongs to at least one of the following devices: Near-field communication payment device, face recognition payment device, palm recognition payment device.

13. A payment service processing device, applied to an external payment device configured for a cashier POS machine, wherein the cashier POS machine and the external payment device are provided by different service providers respectively, and the device includes: A first connection detection module, which detects whether the cashier POS machine has established a first connection with the external payment device through one of a specified plurality of general communication protocols; A second connection establishment module, if so, based on the first connection, uses a private communication protocol provided by the service provider of the external payment device to establish a second connection with the cashier POS machine, for the cashier POS machine to trigger the external payment device to use the extended payment ability through the second connection; A network status detection module, when the external payment device uses the extended payment ability, generates corresponding service information and detects the mobile network status of the external payment device; A service information direct sending module, if the mobile network status is normal, directly sends the service information to the remote server of the service provider of the external payment device through the mobile network; A service information forwarding module, if the mobile network status is abnormal, sends at least part of the service information to the cashier POS machine through the second connection, so that the cashier POS machine forwards at least part of the service information, so that it indirectly reaches the remote server.

14. The device according to claim 13, wherein the second connection establishment module determines the small instruction software deployed on the cashier POS machine and 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 cashier POS machine to establish a second connection based on the private communication protocol, for sending the lightweight small instruction obtained by converting the business operation on the cashier POS machine to the external payment device to trigger the external payment device to use the extended payment ability.

15. The device according to claim 14, 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, 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; Send the lightweight information part to the small instruction software through the second connection, and send the other information part to the cashier 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 general communication protocol corresponding to the first connection; Converts or packages the other information part to disguise it as disguised information of the corresponding information type; Sends the disguised information to the cashier POS machine through the first connection, so that the other information part can be restored according to the disguised information subsequently.

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

19. The device according to claim 18, wherein the key information required to perform the current payment-related service is included in the lightweight information part; After obtaining the capability expansion security level corresponding to the cashier POS machine, the service information forwarding module asynchronously delays sending the other information part with respect to the lightweight information part.

20. The device according to claim 16, wherein the other information part includes the first biometric information used by 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; Among them, The first biometric information and the second biometric information respectively correspond to different types of biometrics.

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

22. The device according to claim 14, wherein the service information forwarding module receives a rerouting instruction and payment interaction information sent by the user mobile terminal through short-range communication when its mobile network status is abnormal; In response to the rerouting instruction, converts the payment interaction information into a user-side small instruction; Sends the user-side small instruction to the cashier POS machine through the second connection to assist the user mobile terminal in performing remote interaction; Receive the remote response small instruction forwarded by the cashier 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; Send the user-side small instruction to the cashier POS machine through the first channel; Among them, The second channel is used to send at least part of the service information.

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

25. A payment service processing device is applied to an external payment device configured for a cashier POS machine. The cashier POS machine and the external payment device are provided by different service providers respectively. The payment service processing 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 are executed by the at least one processor to enable the at least one processor to execute: Detect whether the cashier POS machine has established a first connection with the external payment device through one of a specified variety of general communication protocols; If so, based on the first connection, establish a second connection with the cashier POS machine using the private communication protocol provided by the service provider of the external payment device, for the cashier POS machine to trigger the external payment device to use the extended payment ability through the second connection; When the external payment device uses the extended payment ability, generate corresponding service information and detect the mobile network status of the external payment device; If the mobile network status is normal, directly send the service information to the remote server of the service provider of the external payment device through the mobile network; If the mobile network status is abnormal, send at least part of the service information to the cashier POS machine through the second connection, so that the cashier POS machine forwards at least part of the service information to indirectly reach the remote server.

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