Payment method and device, equipment and storage medium

CN119722057AActive Publication Date: 2025-03-28CHINA UNIONPAY

Patent Information

Application Number
CN202411789796.3
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2024-12-05
Publication Date
2025-03-28
Estimated Expiration
2044-12-05

AI Technical Summary

Technical Problem

The existing payment methods have problems with low payment efficiency, especially the operation process in the QR code scan box and the QR code scan plan is lengthy.

Method used

Through the combination of NFC tags and outreach modules, the payment program is initiated when the terminal device is detected, the payment code is applied for and dynamically write back to the NFC tag. The payment code information is sent to the payee management information system through the outreach module for payment.

Benefits of technology

The payment operation process is shortened, payment efficiency is improved, and the same set of equipment can support multiple payment methods.

✦ Generated by Eureka AI based on patent content.

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Abstract

The invention provides a payment method and device, equipment and a storage medium. The method is applied to a payment device, and the payment device comprises an NFC tag and an external connection module. The method comprises the following steps: when an NFC tag detects that terminal equipment exists in an induction area, calling a payment program in the terminal equipment to apply for a payment code; writing the payment code into the NFC label in a dynamic write-back mode to obtain the NFC label containing payment code information; and the payment code information in the NFC label is sent to a payee management information system through the external connection module for payment.
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Description

Technical Field

[0001] The present application relates to the field of financial services, and in particular to a payment method, device, equipment and storage medium. Background Art

[0002] With the widespread application and rapid development of the Internet, people's lives and consumption scenarios have gradually shifted online; the popularity of mobile devices such as smartphones and tablets and the continuous upgrading of mobile network technology have provided the hardware and network foundation for fast payment. As consumption scenarios continue to become richer and more diverse, consumers need to be able to complete payments quickly in different scenarios. This diversified payment scenario demand has promoted the application and development of fast payment technology in various fields.

[0003] At present, there are two main ways to pay with mobile phones: one is to scan the code box; the other is to scan the code by tapping. The scanning code box solution has the problem that the user needs to open the phone to find the payment app and open the QR code interface, which is too long. Although the tap-to-scan solution does not require users to manually call up the QR code interface, they need to flip the phone to scan the QR code for payment, so there is still a problem of lengthy operation process.

[0004] Therefore, current payment methods generally have the problem of low payment efficiency. Summary of the invention

[0005] The embodiments of the present application provide a payment method, apparatus, device and storage medium, which are used to achieve the effect of supporting multiple payment methods with the same set of equipment and improving payment efficiency.

[0006] On the one hand, an embodiment of the present application provides a payment method, including: applied to a payment device, the payment device including an NFC tag and an external connection module; when the NFC tag detects the presence of a terminal device in the sensing area, calling up a payment program in the terminal device to apply for a payment code; writing the payment code into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing the payment code information; sending the payment code information in the NFC tag to the payee management information system through the external connection module to make payment.

[0007] In some examples, the payment device also includes a camera; the method also includes: if the payment fails, calling up the payment page of the terminal device through the NFC tag, and generating a sensing signal to send to the external connection module, so that the external connection module sends a collection instruction to the camera according to the sensing signal; reading the payment QR code obtained by the camera scanning the payment page in response to the collection instruction, and obtaining the payment code information; wherein the payment QR code is obtained by encoding the payment code; sending the payment code information to the payee management information system through the external connection module to make payment.

[0008] In some examples, the camera is disposed above the sensing area to capture images of the sensing area.

[0009] In some examples, when no acquisition instruction is received, the camera is switched to standby mode.

[0010] In some examples, after the payment is successful, the payment code information contained in the NFC tag is cleared.

[0011] In some examples, before calling up the payment program in the terminal device, it also includes: detecting whether the terminal payment function of the terminal device is enabled, and if so, performing terminal payment; calling up the payment program specifically includes: if the terminal payment function is not enabled on the terminal device or the terminal payment fails, calling up the payment program in the terminal device.

[0012] In some examples, if the payment is successful, the order payment information is obtained and a payment success page is displayed.

[0013] On the other hand, an embodiment of the present application provides a payment device, including: an NFC tag and an external connection module; the device also includes: a processing module, which is used to call up a payment program in the terminal device to apply for a payment code when the NFC tag detects the presence of a terminal device in the sensing area; the processing module is also used to write the payment code into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing the payment code information; the processing module is also used to send the payment code information in the NFC tag to the payee management information system through the external connection module to make payment.

[0014] In some examples, the payment device also includes a camera: the processing module is also used to call up the payment page of the terminal device through the NFC tag if the payment fails, and generate a sensing signal to send to the external connection module, so that the external connection module sends a collection instruction to the camera according to the sensing signal; the processing module is also used to read the payment QR code obtained by the camera scanning the payment page in response to the collection instruction, and obtain the payment code information; wherein the payment QR code is obtained by encoding the payment code; the processing module is also used to send the payment code information to the payee management information system through the external connection module for payment.

[0015] In another aspect, an embodiment of the present application provides a payment device, including: a memory, a processor;

[0016] The memory stores computer-executable instructions;

[0017] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementations of the first aspect.

[0018] On the other hand, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementation methods of the first aspect.

[0019] The embodiments of the present application provide a payment method, device, equipment and storage medium. In the payment method and payment device provided by the present application, when the NFC tag detects the presence of a terminal device in the sensing area, the payment program in the terminal device is called up to apply for a payment code; the payment code is written into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing the payment code information; the payment code information in the NFC tag is sent to the payee management information system through an external connection module to make payment. This solution further shortens the operation process and improves payment efficiency by combining the terminal device with NFC touch. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0021] Figure 1 A payment method provided for this application Figure 1 ;

[0022] Figure 2 A payment method provided for this application Figure 2 ;

[0023] Figure 3 is a payment device;

[0024] Figure 4 A schematic diagram of the structure of a payment device provided for this application;

[0025] Figure 5 A schematic diagram of the structure of a payment device provided for this application.

[0026] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0027] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0028] The terms "first", "second", etc. in the specification and claims of this application and the above drawings are used to distinguish similar or similar objects or entities, and do not necessarily mean to limit a specific order or sequence, unless otherwise indicated. It should be understood that the terms used in this way can be interchangeable under appropriate circumstances, for example, they can be implemented in an order other than those given in the diagrams or descriptions of the embodiments of this application.

[0029] In addition, the terms "including" and "having" and any variations thereof are intended to cover but not exclude inclusion, for example, a product or device comprising a series of components is not necessarily limited to those components explicitly listed, but may include other components not explicitly listed or inherent to these products or devices. The term "module" as used in this application refers to any known or later developed hardware, software, firmware, artificial intelligence, fuzzy logic or combination of hardware and / or software code that can perform the functions associated with the element.

[0030] Fast payment is a payment method that can complete the transfer of funds in a short time. Compared with traditional payment methods, it greatly shortens the payment processing time and enables transactions to be completed in real time. Fast payment can complete the transfer of funds from the payer's account to the payee's account within a few seconds to a few minutes, providing users with an efficient and convenient payment experience.

[0031] Currently, there are two payment methods: scanning a code box and tapping to scan a code; however, both payment methods require flipping the mobile device twice, which makes the payment efficiency low; and the same payment device cannot support multiple payment methods.

[0032] The technical solution provided by the present application is intended to solve the above technical problems of the prior art. In this embodiment, in the payment method and payment device provided by the present application, when the NFC tag detects the presence of a terminal device in the sensing area, the payment program in the terminal device is called up to apply for a payment code; the payment code is written into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing the payment code information; the payment code information in the NFC tag is sent to the payee management information system through the external connection module to make payment. By combining the terminal device with NFC touch, this solution further shortens the operation process and improves payment efficiency.

[0033] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0034] Embodiment 1

[0035] Figure 1 A payment method provided for this application Figure 1 ,like Figure 1 As shown, it is applied to a fast payment device, the payment device includes an NFC tag and an external connection module; the method includes:

[0036] S101, when the NFC tag detects that there is a terminal device in the sensing area, the payment program in the terminal device is called up to apply for a payment code.

[0037] S102, writing the payment code into the NFC tag by dynamically writing back to obtain an NFC tag containing the payment code information.

[0038] S103, sending the payment code information in the NFC tag to the payee management information system through the external connection module to make payment.

[0039] Among them, dynamic write-back is not pre-set and unchanging, but writes the payment code payment data back to a storage medium based on the user's actual application and the payment scenario at the time. The storage medium is an NFC tag or other smart tag.

[0040] In actual application scenarios, when a user chooses the NFC payment method, the NFC tag calls up the payment program in the user's mobile phone. The payment program applies for a payment code and writes the payment code into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing the payment code information. Using the NFC tag as a medium, the external connection module sends the payment code information in the NFC tag to the payee's management information system for payment. The payee's management information system (MIS) is a system used to process payment transactions and manage related business processes in the payment application scenario.

[0041] The external connection module can connect to the payment recipient's management information system via wired or wireless (Wi-Fi\Bluetooth).

[0042] In addition, an indicator light may be provided on the payment device, using lights of different colors to indicate different states, for example, a red light indicates that the payment is being processed, and a green light indicates that the payment has been processed.

[0043] In essence, the core of the payment code is composed of a series of character information; whether it is a QR code or a barcode, after being decoded, they can be regarded as a string of characters containing key payment information. Therefore, in this example, the payment program of the terminal device is called up through the NFC tag, and the payment program applies for a payment code, which is directly written into the NFC tag by dynamic write-back; then the external connection module sends the payment code information in the NFC tag to the payee management information system, and the payee management system will make payment according to the key payment information in the payment code information. There is no need to generate a QR code payment code based on the payment code; the payment code in this form is scanned and read by the camera, and the payment code information for generation is parsed, and the payment is made according to the key payment information in the payment code information. By directly writing the payment code back dynamically, there is no need to flip the mobile phone to scan the QR code payment code, which shortens the operation process and improves payment efficiency.

[0044] Figure 2 A payment method provided for this application Figure 2 ,like Figure 2 As shown, in some examples, the payment device further includes a camera; the method further includes:

[0045] S201, if the payment fails, the payment page of the terminal device is called up through the NFC tag, and a sensing signal is generated and sent to the external connection module, so that the external connection module sends a collection instruction to the camera according to the sensing signal.

[0046] S202, reading the payment QR code obtained by scanning the payment page in response to the collection instruction by the camera, and obtaining payment code information; wherein the payment QR code is obtained by encoding the payment code.

[0047] S203, sending the payment code information to the payee management information system through the external connection module to make payment.

[0048] The payment QR code is obtained by encoding the payment code according to specific QR code encoding rules and converting it into a black and white dot matrix pattern.

[0049] In this example, the payment QR code is the graphical QR code or barcode we see; when making a payment, the camera performs optical reading and converts the graphic information into character information.

[0050] Preferably, both the NFC payment method and the camera scanning payment method can be implemented in the payment device. When one of the payment methods fails, the other payment method is executed. For example, in the NFC payment method, when the payment fails, the payment page can be called up, the payment QR code can be generated, and the payment can be made by scanning the camera. This payment device can support multiple payment methods, improve the payment success rate; at the same time, it solves the problem of lengthy operation procedures in the existing payment process and improves payment efficiency.

[0051] In some examples, the camera is disposed above the sensing area to capture images of the sensing area.

[0052] The camera module is located above the sensing area, and the camera can directly scan the payment QR code displayed on the user's mobile phone. In actual application, after the user places the mobile phone in the sensing area, the NFC tag calls up the payment page of the mobile phone and displays a payment QR code. At this time, the camera can directly scan the payment QR code, so there is no need to flip the mobile phone for scanning, which improves payment efficiency.

[0053] In some examples, when no data collection instruction is received, the camera is switched to a standby mode.

[0054] In actual applications, the switch control based on the sensing signal of the NFC tag will set the working mode and standby mode. Specifically, the camera will be in working mode only when receiving the data collection instruction; when no data collection instruction is received, it is in standby mode, at which time the camera stops working, reducing the power consumption level of the device and increasing the standby time of the device.

[0055] In some examples, after the payment is successful, the payment code information contained in the NFC tag is cleared.

[0056] After the payment is successful, the payment code information contained in the NFC tag is cleared. The purpose is to prevent information leakage and avoid conflicts and confusion with newly written information during the subsequent reading and use of NFC tag information. By clearing the old information, it can be ensured that each time the NFC tag is used, the data it provides is clear and unambiguous.

[0057] In some examples, before invoking the payment program in the terminal device, the method further includes:

[0058] Detect whether the terminal device has the terminal payment function turned on. If so, perform terminal payment.

[0059] Initiate payment procedures, including:

[0060] If the terminal device does not have the terminal payment function enabled or the terminal payment fails, the payment program in the terminal device is called up.

[0061] Among them, terminal payment is for example mobile phone Pay payment; mobile phone Pay payment (such as the common Apple Pay, Samsung Pay, Huawei Wallet, etc.) is a payment method that uses mobile devices (mobile phones) as payment tools. It uses near-field communication technology (NFC) or other secure communication technologies to store card information such as bank cards, credit cards, transportation cards, membership cards, etc. in the mobile phone's secure chip or secure software environment, and simulates physical cards for transactions when paying.

[0062] Combine mobile phone Pay payment, NFC touch and code scanning (being scanned) processes; Figure 3 A payment device, such as Figure 3 As shown in the figure, the NFC tag is responsible for calling the payment program and payment page, the NFC card reader is responsible for reading the mobile phone Pay simulated card, the external connection module is responsible for receiving payment information and connecting to the payee management information system, and the camera module is used to scan the QR code information. This payment device can support NFC payment and camera scanning payment.

[0063] In some examples, if the payment is successful, the order payment information is obtained and a payment success page is displayed.

[0064] Among them, this page displays detailed information such as the payment amount, payment time, and payee, so that users can clearly know that their money has been successfully paid and the specific details of the payment. For merchants, the payment success page can also serve as one of the vouchers for the completion of the transaction.

[0065] A payment method provided by an embodiment of the present application, in the payment method and payment device provided by the present application, when the NFC tag detects the presence of a terminal device in the sensing area, the payment program in the terminal device is called up to apply for a payment code; the payment code is written into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing the payment code information; the payment code information in the NFC tag is sent to the payee management information system through an external connection module to make payment. This solution further shortens the operation process and improves payment efficiency by combining the terminal device with NFC touch.

[0066] Embodiment 2

[0067] Figure 4 A schematic diagram of the structure of a payment device provided in this application, such as Figure 4 As shown, it includes: an NFC tag and an external connection module; the device also includes:

[0068] The processing module 11 is used to call up the payment program in the terminal device to apply for a payment code when the NFC tag detects that there is a terminal device in the sensing area;

[0069] The processing module 11 is further used to write the payment code into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing the payment code information;

[0070] The processing module 11 is also used to send the payment code information in the NFC tag to the payee management information system through the external connection module for payment.

[0071] Among them, dynamic write-back is not pre-set and unchanging, but writes the payment code payment data back to a storage medium based on the user's actual application and the payment scenario at the time. The storage medium is an NFC tag or other smart tag.

[0072] In actual application scenarios, when a user chooses the NFC payment method, the NFC tag calls up the payment program in the user's mobile phone. The payment program applies for a payment code and writes the payment code into the NFC tag using dynamic write-back to obtain an NFC tag containing the payment code information. Using the NFC tag as a medium, the external connection module sends the payment code information in the NFC tag to the payee's management information system for payment.

[0073] The payee management information system (MIS) is a system used to process payment transactions and manage related business processes in payment application scenarios.

[0074] The external connection module can connect to the recipient's management information system via wired or wireless (Wi-Fi\Bluetooth).

[0075] In addition, an indicator light may be provided on the payment device, using lights of different colors to indicate different states, for example, a red light indicates that the payment is being processed, and a green light indicates that the payment has been processed.

[0076] In essence, the core of the payment code is composed of a series of character information; whether it is a QR code or a barcode, after being decoded, they can be regarded as a string of characters containing key payment information. Therefore, in this example, the payment program of the terminal device is called up through the NFC tag, and the payment program applies for a payment code, which is directly written into the NFC tag by dynamic write-back; then the external connection module sends the payment code information in the NFC tag to the payee management information system, and the payee management system will make payment according to the key payment information in the payment code information. There is no need to generate a QR code payment code based on the payment code; the payment code in this form is scanned and read by the camera, and the payment code information for generation is parsed, and the payment is made according to the key payment information in the payment code information. By directly writing the payment code back dynamically, there is no need to flip the mobile phone to scan the QR code payment code, which shortens the operation process and improves payment efficiency.

[0077] In some examples, the payment device also includes a camera:

[0078] The processing module 11 is also used for, if the payment fails, the NFC tag to call up the payment page of the terminal device, and to generate a sensing signal to send to the external connection module, so that the external connection module sends a collection instruction to the camera according to the sensing signal;

[0079] The processing module 11 is also used to read the payment QR code obtained by the camera scanning the payment page in response to the collection instruction, and obtain the payment code information; wherein the payment QR code is obtained by encoding the payment code.

[0080] The processing module 11 is also used to send the payment code information to the payee management information system through the external connection module for payment.

[0081] The payment QR code is obtained by encoding the payment code according to specific QR code encoding rules and converting it into a black and white dot matrix pattern.

[0082] In this example, the payment QR code is the graphical QR code or barcode we see; when making a payment, the camera performs optical reading and converts the graphic information into character information.

[0083] A payment device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be described in detail here.

[0084] Figure 5 A schematic diagram of the structure of a payment device provided in this application. Figure 5 As shown, the electronic device 50 provided in this embodiment includes: at least one processor 501 and a memory 502. Optionally, the device 50 also includes a communication component 503. The processor 501, the memory 502 and the communication component 503 are connected via a bus 504.

[0085] In a specific implementation process, at least one processor 501 executes the computer-executable instructions stored in the memory 502, so that at least one processor 501 executes the above method.

[0086] The specific implementation process of the processor 501 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0087] In the above embodiments, it should be understood that the processor can be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in the invention can be directly implemented as a hardware processor, or can be implemented by a combination of hardware and software modules in the processor.

[0088] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (NVM), such as at least one disk storage.

[0089] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of this application is not limited to only one bus or one type of bus.

[0090] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0091] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0092] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0093] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0094] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A payment method, characterized in that: Applied to a payment device, the payment device includes an NFC tag and an external connection module; the method includes: When the NFC tag detects the presence of a terminal device in the sensing area, the payment program in the terminal device is called up to apply for a payment code; Writing the payment code into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing the payment code information; The payment code information in the NFC tag is sent to the payee management information system through the external connection module to make payment.

2. The method according to claim 1, characterized in that: The payment device further includes a camera; and the method further includes: If the payment fails, the payment page of the terminal device is called up through the NFC tag, and a sensing signal is generated and sent to the external connection module, so that the external connection module sends a collection instruction to the camera according to the sensing signal; Reading the payment QR code obtained by the camera scanning the payment page in response to the acquisition instruction to obtain payment code information; wherein the payment QR code is obtained by encoding the payment code; The payment code information is sent to the payee management information system through the external connection module to make payment.

3. The method according to claim 2, characterized in that The camera is arranged above the sensing area and is used for capturing images of the sensing area.

4. The method according to claim 2, characterized in that: The method further comprises: When the acquisition instruction is not received, the camera is switched to a standby mode.

5. The method according to claim 1, characterized in that The method further comprises: After the payment is successful, the payment code information contained in the NFC tag is cleared.

6. The method according to any one of claims 1 to 5, characterized in that: Before calling the payment program in the terminal device, the method further includes: Detecting whether the terminal device has a terminal payment function turned on, and if so, performing terminal payment; The payment procedure described herein specifically includes: If the terminal device does not have the terminal payment function enabled or the terminal payment fails, the payment program in the terminal device is called up.

7. The method according to any one of claims 1 to 5, characterized in that: include: If the payment is successful, get the order payment information and display the payment success page.

8. A payment device, characterized in that: include: NFC tag, external connection module; the device also includes: A processing module, configured to call up a payment program in the terminal device to apply for a payment code when the NFC tag detects that there is a terminal device in the sensing area; The processing module is further used to write the payment code into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing the payment code information; The processing module is also used to send the payment code information in the NFC tag to the payee management information system through the external connection module to make payment.

9. The device according to claim 8, characterized in that The payment device also includes a camera: The processing module is further configured to, if the payment fails, call up the payment page of the terminal device through the NFC tag, and generate a sensing signal to send to the external connection module, so that the external connection module sends a collection instruction to the camera according to the sensing signal; The processing module is further used to read the payment QR code obtained by the camera scanning the payment page in response to the acquisition instruction, and obtain payment code information; wherein the payment QR code is obtained by encoding the payment code; The processing module is also used to send the payment code information to the payee management information system through the external connection module for payment.

10. A payment device, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to any one of claims 1 to 7.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 7 when executed by a processor.

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