Payment method, apparatus, device, and storage medium

Abstract

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

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

[0002] With the widespread application and rapid development of the Internet, people's life and consumption scenarios gradually shift online. The popularity of mobile devices such as smartphones and tablets and the continuous upgrading of mobile network technology provide the hardware and network foundation for fast payment. With the continuous enrichment and diversification of consumption scenarios, consumers need to complete payment quickly in different scenarios. This diversified payment scenario requirement has promoted the application and development of fast payment technology in various fields.

[0003] Currently, there are mainly two ways of mobile payment: one is to scan the code box, and the other is to touch and scan the code. In the code box scheme, the user needs to open the mobile phone to find the payment App and open the two-dimensional code interface, which has a long operation process. In the touch and scan code scheme, although the user does not need to manually call the two-dimensional code interface, the user still needs to flip the mobile phone to scan the two-dimensional code for payment, so there is still a long operation process.

[0004] Therefore, the current payment method generally has the problem of low payment efficiency. SUMMARY

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

[0006] In one aspect, the present application provides a payment method, comprising: applying to a payment device, the payment device comprising an NFC tag and an external connection module; when the NFC tag detects that there is a terminal device in the sensing area, calling the payment program in the terminal device to claim a payment code; writing the payment code into the NFC tag in a dynamic read-back manner to obtain an NFC tag containing payment code information; and sending the payment code information in the NFC tag to a payee management information system through the external connection module to perform payment.

[0007] In some examples, the payment device further comprises a camera; the method further comprises: if the payment fails, calling 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 a payment two-dimensional code obtained by the camera scanning the payment page in response to the collection instruction to obtain payment code information; wherein the payment two-dimensional code is obtained by encoding the payment code; and sending the payment code information to the payee management information system through the external connection module to perform payment.

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

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

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

[0011] In some examples, before the payment program in the terminal device is triggered, the terminal device is detected to determine whether the terminal payment function is enabled, and if so, the terminal payment is performed; and the payment program is triggered, including: if the terminal payment function is not enabled or the terminal payment fails, the payment program in the terminal device is triggered.

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

[0013] In another aspect, the application provides a payment device, comprising: an NFC tag, an external connection module; the device further comprises: a processing module, configured to trigger a payment program in a terminal device to claim a payment code when the NFC tag detects the presence of a terminal device in a sensing area; the processing module is further configured to write the payment code into the NFC tag in a dynamic read-back manner to obtain an NFC tag containing payment code information; and the processing module is further configured to send the payment code information in the NFC tag to a payee management information system through the external connection module to perform payment.

[0014] In some examples, the payment device further comprises a camera; the processing module is further configured to trigger a 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 an acquisition instruction to the camera according to the sensing signal; the processing module is further configured to read a payment two-dimensional code obtained by scanning the payment page by the camera in response to the acquisition instruction to obtain payment code information; wherein the payment two-dimensional code is obtained by encoding the payment code; and the processing module is further configured to send the payment code information to the payee management information system through the external connection module to perform payment.

[0015] In another aspect, the application provides a payment device, comprising: a memory, a processor;

[0016] The memory stores computer execution instructions;

[0017] The processor executes the computer execution instructions stored in the memory, so that the processor performs the first aspect and / or various possible embodiments of the first aspect as described above.

[0018] In yet another aspect, an embodiment of the present application provides a computer readable storage medium, wherein the computer readable storage medium stores computer execution instructions, and the computer execution instructions, when executed by a processor, are used to implement the payment method and / or the payment device according to the first aspect and / or the possible implementation manners of the first aspect.

[0019] The payment method, the payment device, the payment equipment and the storage medium provided by the embodiments of the present application shorten the operation process and improve the payment efficiency by combining the terminal device with the NFC one-touch payment. BRIEF DESCRIPTION OF DRAWINGS

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

[0021] Figure 1 A flowchart of a payment method provided by the present application Figure 1

[0022] Figure 2 A flowchart of a payment method provided by the present application Figure 2

[0023] Figure 3 A payment device

[0024] Figure 4 A structural diagram of a payment device provided by the present application

[0025] Figure 5 A structural diagram of a payment device provided by the present application

[0026] The specific embodiments of the present application have been shown in the above drawings, and will be described in more detail hereinafter. The drawings and the written description are not intended to limit the scope of the present application in any way, but to explain the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0027] ​​The exemplary embodiments will be described in detail herein with reference to the attached drawings. In the following description, like reference numerals refer to like elements unless indicated otherwise. The following exemplary embodiments described herein represent the best now known to the inventors of all of the potential embodiments of the application. Therefore, no limitation is intended on the scope of the application as described herein, except that encompassed by the metes and bounds as set forth in the claims below.

[0028] The terms "first", "second", and the like, as used in the description and the claims herein, and in the preceding drawings, are used for distinguishing between similar or identical objects or entities, and do not necessarily indicate a specific order or sequence, unless otherwise indicated (Unless otherwise indicated). It should be understood that the use of these terms herein is merely for distinguishing between similar or identical objects or entities, and does not necessarily indicate a specific order or sequence, unless otherwise indicated.

[0029] In addition, the terms "comprises", "comprising", "includes", "including", and the like, are meant to be inclusive and not restrictive, that is, to include but not to be limited to the stated components or steps, and that the use of such terms does not preclude the addition of other components or steps. The term "module" as used herein refers to any known or later-developed hardware, software, firmware, artificial intelligence, fuzzy logic, or combination of hardware and / or software that is capable of performing the functionality associated with that element.

[0030] Fast payment is a payment method that can complete fund transfer in a short time, which greatly shortens the payment processing time compared with traditional payment methods, so that the transaction can be completed in real time. Fast payment can complete fund transfer from the payer's account to the payee's account within a few seconds to a few minutes, providing users with efficient and convenient payment experience.

[0031] At present, the payment methods are divided into two kinds of scanning code box and touching to scan code; but the two payment methods both have the problem of two times of turning over the mobile phone device, so that the payment efficiency is not high; and the same set of payment device cannot support multiple payment methods.

[0032] The technical solutions provided by the present application aim to solve the above technical problems of the prior art. 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 invoked to claim a payment code; the payment code is written into the NFC tag in a dynamic read-back manner to obtain an NFC tag containing payment code information; and the payment code information in the NFC tag is sent to the payee management information system through an external connection module for payment. The present application further shortens the operation process and improves the payment efficiency by combining the terminal device with NFC touch-to-scan.

[0033] The technical solutions of the present application and how the technical solutions of the present application solve the above technical problems will be described in detail below with specific examples. The following specific examples can be combined with each other, and the same or similar concepts or processes can not be described again in some examples. The embodiments of the present application will be described below with reference to the accompanying drawings.

[0034] Embodiment one

[0035] Figure 1 Flowchart of a payment method provided by the present application Figure 1 As shown in the figure, the payment device includes an NFC tag, an external connection module; the method includes: Figure 1

[0036] S101, when the NFC tag detects the presence of a terminal device in the sensing area, the payment program in the terminal device is started to claim a payment code.

[0037] S102, write the payment code into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing payment code information.

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

[0039] Among them, dynamic write-back is not pre-set, but according to the actual application of the user and the payment scene at that time, the payment code payment data is written back to a storage medium, which is an NFC tag or other smart tag.

[0040] In actual application scenarios, when the user selects the NFC payment method, the NFC tag starts the payment program in the user's mobile phone, the payment program claims a payment code, and writes the payment code into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing payment code information; With the NFC tag as a medium, the external connection module sends the payment code information in the NFC tag to the payee management information system for payment. The payee 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 payee management information system through wired, wireless (Wi-Fi\Bluetooth).

[0042] In addition, an indicator light can be provided on the payment device, and different colors of light can be used to indicate different states. For example, a red light represents that it is being processed, and a green light indicates that it has been processed.​

[0043] The payment code is essentially composed of a series of character information; whether it is a two-dimensional code or a bar code, it can be regarded as a string of characters containing payment key information after decoding. Therefore, in this example, the payment program of the terminal device is started through the NFC tag, and the payment program claims a payment code which is directly written into the NFC tag in a dynamic backwrite manner; then the payment code information in the NFC tag is sent to the payee management information system through the external connection module, and the payee management information system will make payment according to the payment key information in the payment code information. It is not necessary to generate a two-dimensional code form of payment code according to the payment code; the payment code information used for generation is obtained by scanning and reading the form of payment code with a camera, and payment is made according to the payment key information in the payment code information. By directly writing the payment code in a dynamic backwrite manner, it is not necessary to flip the mobile phone to scan the two-dimensional code form of payment code, which shortens the operation process and improves the payment efficiency.

[0044] Figure 2 A payment method provided in the present application Figure 2 As shown in Figure 3 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 started through the NFC tag, and an induction 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 induction signal.

[0046] S202, read the payment two-dimensional code obtained by scanning the payment page by the camera in response to the collection instruction, and obtain the payment code information; wherein the payment two-dimensional code is obtained by encoding the payment code.

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

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

[0049] In this example, the payment two-dimensional code is the graphical two-dimensional code or bar code we see; when making payment, the graphical information is converted into character information by optical reading through the camera.

[0050] Preferably, both NFC payment mode and camera scanning payment mode can be realized in the payment device. When one of the payment modes fails, the other payment mode is executed. For example, when the NFC payment mode fails, the payment page is triggered to generate a payment QR code, and the payment is performed through the camera scanning mode. The payment device can support multiple payment modes, improve the payment success rate, and solve the problem of long operation process in the existing payment process, thereby improving the payment efficiency.

[0051] In some examples, the camera is arranged above the sensing area and used for image acquisition of the sensing area.

[0052] In the actual application, after the user places the mobile phone in the sensing area, the NFC tag triggers the payment page of the mobile phone to display a payment QR code. At this time, the camera can directly scan the payment QR code, thereby eliminating the need to flip the mobile phone for scanning and improving the payment efficiency.

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

[0054] In the actual application, the working mode and the standby mode are set based on the on-off control of the sensing signal of the NFC tag. Specifically, the camera is in the working mode only when the data acquisition instruction is received, and is in the standby mode when no data acquisition instruction is received. At this time, the camera stops working, thereby reducing the power consumption of the device and prolonging the standby use 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 in the subsequent reading and use of the NFC tag information. By clearing the old information, it can be ensured that the data provided by the NFC tag is clear and unambiguous each time the NFC tag is used.

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

[0058] detecting whether the terminal device is enabled with the terminal payment function, and if so, performing the terminal payment;

[0059] triggering the payment program, and specifically including:

[0060] if the terminal device is not enabled with the terminal payment function or the terminal payment fails, triggering the payment program in the terminal device.

[0061] The terminal payment is, for example, a mobile phone Pay payment; the mobile phone Pay payment (for example, common Apple Pay, Samsung Pay, Huawei wallet, etc.) is a payment mode of taking a mobile device (a mobile phone) as a payment tool. The mobile phone Pay payment utilizes near field communication technology (NFC) or other secure communication technology to store card information such as a bank card, a credit card, a transportation card and a member card in a secure chip or a secure software environment of the mobile phone, and simulates a physical card to perform a transaction during payment.

[0062] The mobile phone Pay payment, NFC tap and scan code (scanned) processes are combined. Figure 3 The payment device is, for example, Figure 4 As shown in the figure, the NFC tag is responsible for starting a payment program and a payment page, the NFC card reader is responsible for reading a mobile phone Pay simulated card, the external connection module is responsible for receiving payment information and connecting a payee management information system, and the camera module is used for scanning two-dimensional code information. The payment device can support an NFC payment mode and a camera scanning payment mode.

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

[0064] The page displays detailed information such as a payment amount, a payment time and a payee, so that a user can clearly know that the user's money has been successfully paid out and specific details of the payment. For a merchant, the payment success page can also be used as one of transaction completion certificates.

[0065] The payment method provided in the embodiment of the application shortens an operation process and improves payment efficiency by combining a terminal device with NFC tap.

[0066] Embodiment two

[0067] Figure 4 The structure diagram of the payment device provided in the application is shown in the figure, Figure 5 The payment device includes an NFC tag and an external connection module, and the device further includes,

[0068] The processing module 11 is configured to start a payment program in a terminal device to claim a payment code when the NFC tag detects that the terminal device exists in an induction area.

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

[0070] The processing module 11 is further configured to send the payment code information in the NFC tag to a management information system of a payee through an external connection module for payment.

[0071] The dynamic write-back is not pre-set and fixed, but is written back to a storage medium, such as an NFC tag or other smart tag, according to actual application of a user and payment scenario at that time.

[0072] In an actual application scenario, when a user selects an NFC payment method, the NFC tag invokes a payment program in the user's mobile phone, the payment program applies for a payment code, and the payment code is written into the NFC tag in a dynamic write-back manner to obtain an NFC tag containing payment code information. The external connection module sends the payment code information in the NFC tag to a management information system of a payee for payment through the NFC tag as a medium.

[0073] The management information system (MIS) of the payee is a system for processing payment transactions and managing related business processes in a payment application scenario.

[0074] The external connection module can be connected to the management information system of the payee through a wired or wireless (Wi-Fi or Bluetooth) connection.

[0075] In addition, an indicator light can be provided on the payment device to indicate different states by using different colored lights. For example, a red light represents that processing is in progress, and a green light indicates that processing is complete.

[0076] The payment code essentially consists of a series of character information. Whether it is a two-dimensional code or a bar code, it can be regarded as a string of characters containing payment key information after being decoded. Therefore, in this example, the payment program of a terminal device is invoked through an NFC tag, the payment program applies for a payment code, and the payment code is directly written into the NFC tag in a dynamic write-back manner. Then, the external connection module sends the payment code information in the NFC tag to a management information system of a payee, and the management information system of the payee performs payment according to the payment key information in the payment code information. It is not necessary to generate a two-dimensional code form of the payment code according to the payment code, and it is not necessary to scan and read the two-dimensional code form of the payment code by using a camera to obtain payment code information for generation and payment according to the payment key information in the payment code information. By directly writing back the payment code in a dynamic manner, it is not necessary to flip the mobile phone to scan the two-dimensional code form of the payment code, thereby shortening the operation process and improving the payment efficiency.

[0077] In some examples, the payment device further comprises a camera:

[0078] The processing module 11 is further configured to, if the payment fails, trigger a payment page of the terminal device by the NFC tag, and generate a sensing signal and send the sensing signal to the external module, so that the external module sends a collection instruction to the camera according to the sensing signal;

[0079] The processing module 11 is further configured to read a payment two-dimensional code obtained by scanning the payment page by the camera in response to the collection instruction, and obtain payment code information; wherein the payment two-dimensional code is obtained by encoding the payment code.

[0080] The processing module 11 is further configured to send the payment code information to a payment recipient management information system through the external module to perform payment.

[0081] The payment two-dimensional code is obtained by encoding the payment code according to a specific two-dimensional code encoding rule, and converting into a black-and-white alternating dot matrix pattern.

[0082] In this example, the payment two-dimensional code is a graphical two-dimensional code or a bar code that we see; when performing payment, the camera is used for optical reading to convert the graphical information into character information.

[0083] The payment device provided in this embodiment can execute the method provided in the method embodiment, and has similar implementation principles and technical effects, which will not be described here.

[0084] Figure 5 A structural schematic diagram of a payment device provided in the present application is shown in FIG. 1. ​ As shown in FIG. 1, the electronic device 50 provided in this embodiment comprises at least one processor 501 and a memory 502. Optionally, the device 50 further comprises a communication component 503. The processor 501, the memory 502 and the communication component 503 are connected through a bus 504.

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

[0086] The specific implementation process of the processor 501 can refer to the above-mentioned method embodiment, and has similar implementation principles and technical effects, which will not be described here.

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

[0088] The memory can include a random access memory (RAM), and can also include a non-volatile memory (NVM), such as at least one disk memory.

[0089] The bus can be an industry standard architecture (ISA) bus, a peripheral component (PCI) bus, 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 the present application does not limit to only one bus or one type of bus.

[0090] The present application also provides a computer readable storage medium, and the computer readable storage medium stores computer execution instructions, when the processor executes the computer execution instructions, the above method is realized.

[0091] The above readable storage medium can be realized by any type of volatile or non-volatile storage device or their combination, 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 functions are implemented in the form of software function units and sold or used as independent products, they can be stored in a computer readable storage medium. Based on this understanding, the technical solutions of the present application or the parts of the technical solutions that essentially contribute to the prior art can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes a number of instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the embodiments of the method of the present application. The aforementioned storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, and various media that can store program codes.

[0093] It can be understood by those skilled in the art that all or part of the steps of the above-mentioned method embodiments can be completed by program instruction related hardware. 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, magnetic disk or optical disk, and various media that can store program codes.

[0094] Finally, it should be noted that: those skilled in the art will easily think of other embodiments of the present application after considering the specification and practicing the application disclosed herein. The present application is intended to cover any variations, uses or adaptations of the present application that follow the general principles of the present application and include common knowledge or conventional technical means in the art that are not disclosed in the present application, and is not limited to the precise structure described above and shown in the drawings, and various modifications and changes can be made without departing from the scope thereof. The scope of the present application is only limited by the appended claims.

Claims

1. A payment method, characterized in that, The application is applied to a payment device, which comprises an NFC tag and an external connection module; the method comprises the following steps: When the NFC tag detects that there is a terminal device in an induction area, a payment program in the terminal device is started to claim a payment code; The payment code is written into the NFC tag in a dynamic write-back mode to obtain an NFC tag containing payment code information; The payment code information in the NFC tag is sent to a payee management information system through the external connection module to perform payment; The payment device further comprises a camera; the method further comprises the following steps: If payment fails, the payment page of the terminal device is started through the NFC tag, and an induction 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 induction signal; A payment two-dimensional code obtained by scanning the payment page by the camera in response to the collection instruction is read to obtain payment code information; wherein the payment two-dimensional 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 perform payment; The camera is arranged above the induction area and is used for image collection of the induction area.

2. The method of claim 1, wherein, The method further comprises the following steps: When the collection instruction is not received, the camera is switched to a standby mode.

3. The method of claim 1, wherein, The method further comprises the following steps: After successful payment, the payment code information contained in the NFC tag is cleared.

4. The method according to any one of claims 1 to 3, characterized in that, Before starting the payment program in the terminal device, the following steps are further included: It is detected whether the terminal device starts a terminal payment function; if yes, terminal payment is performed; The payment program in the terminal device is started. If the terminal device does not start the terminal payment function or the terminal payment fails, the payment program in the terminal device is started.

5. The method according to any one of claims 1 to 3, characterized in that, If the payment is successful, order payment information is obtained, and a payment success page is displayed. The application comprises an NFC tag and an external connection module; the device further comprises the following:

6. A payment device, characterized by A processing module is used for starting a payment program in a terminal device to claim a payment code when the NFC tag detects that there is a terminal device in an induction area; The processing module is further used for writing the payment code into the NFC tag in a dynamic write-back mode to obtain an NFC tag containing payment code information; The processing module is further used for sending the payment code information in the NFC tag to a payee management information system through the external connection module to perform payment; The payment device further comprises a camera, which is arranged above the induction area and is used for image collection of the induction area: The processing module is further used for starting the payment page of the terminal device through the NFC tag if payment fails, and an induction 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 induction signal; The processing module is further used for reading a payment two-dimensional code obtained by scanning the payment page by the camera in response to the collection instruction to obtain payment code information; wherein the payment two-dimensional code is obtained by encoding the payment code; ​ ​ The processing module is further configured to send the payment code information to a payee management information system through the external connection module for payment.

7. A payment device, characterized by The method comprises: a memory, a processor; the memory stores computer execution instructions; the processor executes the computer execution instructions stored in the memory, so that the processor executes the method according to any one of claims 1-5.

8. A computer-readable storage medium, characterized in that, The computer readable storage medium stores computer execution instructions, and the computer execution instructions are executed by the processor to implement the method according to any one of claims 1-5.

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