Payment method and device

Abstract

The invention discloses a payment method and device, a first device responds to a first operation to obtain first commodity information and sends a first message to a first server, and the first message comprises a first application account, the first commodity information and an identifier authorized by a juvenile for payment; the first server generates an order according to the first message and sends information of the order to the second device according to a binding relationship between the first application account and the second application account; the second device displays an order information interface, and sends a second message to the first server in response to the confirmation operation; the first server generates a first payment voucher according to the second message and sends the first payment voucher to the first device; the first device displays the first payment voucher; and the first server checks whether the second commodity information is consistent with the first commodity information according to the first payment voucher, and if yes, payment is carried out through the second application account, so that juveniles do not need to recharge in advance and frequently adjust daily quotas during payment, and the operation is simple.

Description

Technical Field

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

[0002] Payments by minors usually require parents to transfer the amount to the minors' accounts in advance, and the minors' accounts are subject to daily quota limits. When the daily quota needs to be exceeded, parents need to adjust the daily quota, and adjust it back after the payment is completed. Therefore, payments by minors require advance recharge and frequent adjustment of the daily quota, which is cumbersome. Summary of the invention

[0003] In view of this, an embodiment of the present invention provides a payment method and device, which does not require advance recharge and frequent adjustment of daily quota for minors' payment, and is simple to operate.

[0004] A first aspect provides a payment method, applied to a payment system, the method comprising:

[0005] The first device obtains first product information in response to the first operation, and sends a first message to the first server through the first application according to the first product information, wherein the first message includes the first application account, the first product information, and a first identifier, wherein the first identifier includes an identifier of the minor authorizing payment;

[0006] The first server generates an order according to the first message, and sends information about the order to the second device according to a binding relationship between the first application account and the second application account;

[0007] The second device displays an order information interface through a second application according to the order information; and sends a second message to the first server in response to a user's confirmation operation on the order information interface;

[0008] The first server generates a first payment credential for the order according to the second message, and sends a third message to the first device, where the third message includes the first payment credential for the order;

[0009] The first device displays the first payment credential according to the third message;

[0010] The third device obtains the second commodity information in response to the second operation, obtains the first payment credential in response to the third operation, and sends a sixth message to the second server according to the second commodity information and the first payment credential;

[0011] The second server sends the sixth message to the first server according to the sixth message;

[0012] The first server checks whether the second product information is consistent with the first product information of the order according to the first payment voucher, and if they are consistent, completes the payment of the order through the second application account and sends a fourth message to the first device, wherein the fourth message includes the payment result;

[0013] The first device displays the payment result according to the fourth message. Compared with the daily quota payment of the minor's account, in the payment method provided by the present invention, the first device is a smart device, the user is a minor, such as the first device is a children's watch or a mobile phone; the second device is a terminal device, the user is a parent, such as the second device is a parent's mobile phone or tablet; the first server is a payment cloud server; the third device is a merchant's cash register device; the second server is a merchant cloud server. In the present invention, the payment of minors is subject to parental supervision and review; the payment authorized by the parents will share the payment account of the parents, without the need for advance recharge, and the minor only needs to show the payment voucher when paying, and no independent minor account is required; the payment authorized by the parents will have no limit on the quota, and there is no need to adjust the limit repeatedly. Therefore, the present invention makes it possible for minors to make payments without the need for advance recharge and frequent adjustment of the daily quota, and the operation is simple. Furthermore, the present invention completes the parent review before the minor presents the payment voucher, so that the parent review efficiency will not affect the payment efficiency. In the scenario where multiple customers are waiting in line to check out, the commodity settlement efficiency can be improved, saving the waiting time of merchants and other customers. The payment of minors in the present invention is actually an authorized payment behavior. From the perspective of experience, minors apply for their parents' payment vouchers, i.e. payment vouchers. In this process, the efficiency of product information collection and parental review is the key to the experience.

[0014] In combination with the first aspect, in some implementations of the first aspect, the third device sending the sixth message to the first server includes:

[0015] The third device sends the sixth message to the first server through the second server.

[0016] A second aspect provides a payment method, applied to a first device, the method comprising:

[0017] In response to the first operation, obtaining first product information;

[0018] According to the first commodity information, a first message is sent to a first server through a first application, wherein the first message includes a first application account, the first commodity information, and a first identifier, wherein the first identifier includes an identifier of a minor authorizing payment;

[0019] receiving a third message sent by the first server, the third message including a first payment credential of the order, and displaying the first payment credential according to the third message;

[0020] Receive a fourth message sent by the first server, wherein the fourth message includes a payment result, and display the payment result according to the fourth message. In the present invention, payments by minors are subject to parental supervision and review; payments authorized by parents will share the parents' payment account, without the need for advance recharge. Minors only need to present payment vouchers when making payments, and no independent minor accounts are required; payments authorized by parents will have no limit on the amount, and there is no need to adjust the limit repeatedly. Therefore, the present invention eliminates the need for advance recharge and frequent adjustment of daily limits for payments by minors, and the operation is simple. Furthermore, the present invention completes parental review before minors present payment vouchers, so that the efficiency of parental review will not affect payment efficiency. In scenarios where multiple customers are waiting in line to check out, it can improve the efficiency of commodity settlement and save the waiting time of merchants and other customers.

[0021] In combination with the second aspect, in some implementations of the second aspect, the first message is used by the first server to generate an order, and send information about the order to the second device according to a binding relationship between the first application account and the second application account;

[0022] The order information includes the first application account, the first product information and the first identifier;

[0023] The order information is used by the second device to display an order information interface according to the order information, and the order information interface includes the first product information.

[0024] In conjunction with the second aspect, in some implementations of the second aspect, the commodity information includes: commodity name, commodity category and commodity amount. In an embodiment of the present invention, basic information of a commodity is defined, such as category, name, description, price, etc., and can be easily identified.

[0025] In conjunction with the second aspect, in certain implementations of the second aspect, the payment result includes a payment success result or a payment failure result;

[0026] The successful payment result is a payment result generated after the first server verifies that the second product information is consistent with the first product information of the order and completes the payment of the order through the second application account;

[0027] The payment failure result is a payment result generated after the first server verifies that the second product information is inconsistent with the first product information of the order and refuses to pay for the order.

[0028] In conjunction with the second aspect, in some implementations of the second aspect, before obtaining the first product information in response to the first operation, the method further includes:

[0029] Logging in to the first application account through the first application;

[0030] Displaying the account QR code of the first application account through the first application;

[0031] In response to the second device scanning the account QR code through the second application, a fifth message is received, wherein the fifth message includes a message that the first application account is successfully bound to the second application account. In the embodiment of the present invention, before the minor uses the first device to make a payment, it is necessary to bind it to the parent's application account, so that the minor can make payments through the bound parent's application account in subsequent payments.

[0032] In combination with the second aspect, in some implementations of the second aspect, the first message also includes a second application account.

[0033] In combination with the second aspect, in some implementations of the second aspect, the second application account is an application account selected by the user from a plurality of application accounts bound to the first application account and displayed by the first application.

[0034] In combination with the second aspect, in some implementations of the second aspect, the second application account is an account used to log in to the second application.

[0035] In combination with the second aspect, in some implementations of the second aspect, the payment credential includes a QR code.

[0036] In combination with the second aspect, in some implementations of the second aspect, the fifth message also includes a message indicating that the first device and the second device are successfully bound.

[0037] In conjunction with the second aspect, in some implementations of the second aspect, the first message and the order information further include device information of the first device;

[0038] The order information is also used by the second device to determine whether the first device and the second device are in a binding relationship based on the device information of the first device, and to display whether the first device and the second device are in a binding relationship on the order information interface. The embodiment of the present invention binds the application account of a minor to the application account of the parent, and binds the device of the minor to the device of the parent, thereby preventing the minor from using other devices to log in to the first application account.

[0039] A third aspect provides a payment method, applied to a first server, the method comprising:

[0040] receiving a first message sent by a first device, and generating an order according to the first message, wherein the first message includes a first application account, first product information, and a first identifier, wherein the first identifier includes an identifier of a minor authorizing payment;

[0041] According to the binding relationship between the first application account and the second application account, the order information is sent to the second device, and the order information is used by the second device to display an order information interface according to the order information;

[0042] receiving a second message, where the second message is a message generated by the second device in response to a user's confirmation operation on the order information interface;

[0043] Generate a first payment credential for the order according to the second message, and send a third message to the first device, where the third message includes the first payment credential, and the third message is used by the first device to display the first payment credential according to the third message;

[0044] The second product information is checked according to the first payment voucher to see if it is consistent with the first product information of the order. If they are consistent, the payment of the order is completed through the second application account and a fourth message is sent to the first device, wherein the fourth message includes the payment result. In the present invention, payments by minors are subject to parental supervision and review; payments authorized by parents will share the parents' payment account, without the need for advance recharge. When making payments, minors only need to present payment vouchers, and no independent minor accounts are required; payments authorized by parents will have no limit on the amount, without the need to repeatedly adjust the limit. Therefore, the present invention makes it possible for minors to make payments without the need for advance recharge and frequent adjustment of daily quotas, and the operation is simple. Furthermore, the present invention completes parental review before minors present payment vouchers, so that the efficiency of parental review will not affect the payment efficiency. In scenarios where multiple customers are waiting in line to check out, the efficiency of commodity settlement can be improved, saving the waiting time of merchants and other customers.

[0045] In combination with the third aspect, in some implementations of the third aspect, after sending the order information to the second device according to the binding relationship between the first application account and the second application account, the method further includes:

[0046] Receive the order cancellation message sent by the second device, cancel the order and send an authorization failure message to the first device. In the present invention, if the parent disagrees with the order to pay, the payment cloud server directly cancels the order and notifies the first device of the minor that the authorization failed.

[0047] In conjunction with the third aspect, in certain implementations of the third aspect, after verifying whether the second product information is consistent with the first product information of the order, the method further includes:

[0048] If they are inconsistent, the payment of the order is rejected and a payment failure result is sent to the first device. In the present invention, the payment cloud server checks whether the second commodity information is consistent with the first commodity information of the order. If they are inconsistent, the commodity applied for authorization and the commodity actually paid are inconsistent, and the payment order is rejected, which can ensure the consistency between the commodity applied for authorization by the minor and the commodity actually paid.

[0049] In combination with the third aspect, in some implementations of the third aspect, before receiving the first message sent by the first device, the method further includes:

[0050] receiving a registration request sent by a second device, where the registration request is used to register a binding relationship between the first application account and the second application account;

[0051] According to the registration request, the first application account and the second application account are bound, and a fifth message is sent to the first device and the second device, wherein the fifth message includes a message that the first application account and the second application account are successfully bound. In the embodiment of the present invention, before the minor uses the first device to make a payment, it needs to be bound to the parent's application account, so that the minor can make payments through the bound parent's application account in subsequent payments.

[0052] In combination with the third aspect, in some implementations of the third aspect, the registration request is further used to register a binding relationship between the first device and the second device; the fifth message also includes a message that the first device and the second device are successfully bound;

[0053] The method further comprises:

[0054] Binding the first device and the second device according to the registration request.

[0055] In combination with the third aspect, in some implementations of the third aspect, before sending the order information to the second device according to the binding relationship between the first application account and the second application account, the method further includes:

[0056] According to the first message, obtain the first commodity information;

[0057] According to the first identifier, determining whether the first product information matches a blacklist of products for minors;

[0058] If it is determined that the first product information hits the blacklist of products for minors, cancel the order and send the reason for canceling the order to the second device;

[0059] If it is determined that the first product information does not hit the blacklist of products for minors, the order information is sent to the second device according to the binding relationship between the first application account and the second application account. The present invention performs a product category check on the payment of minors, intercepts the blacklisted products and provides risk reminders; for non-blacklisted products, the order information continues to be sent to the parent's second device.

[0060] In conjunction with the third aspect, in certain implementations of the third aspect, before checking whether the second product information is consistent with the first product information of the order, the process further includes:

[0061] A sixth message sent by a third device is received, where the sixth message includes the first payment credential and the second commodity information.

[0062] A fourth aspect provides a payment method, applied to a second device, the method comprising:

[0063] Receiving order information sent by the first server according to the binding relationship between the first application account and the second application account, the order information including first product information, the first application account and the first identifier, the first identifier including an identifier of the minor authorizing payment;

[0064] According to the order information, displaying an order information interface through a second application;

[0065] In response to the user's confirmation operation on the order information interface, a second message is sent to the first server, the second message is used by the first server to generate the first payment voucher for the order according to the second message, and a third message is sent to the first device, the third message includes the first payment voucher. In the present invention, payments by minors are subject to parental supervision and review; payments authorized by parents will share the parents' payment account, without the need for advance recharge, and minors only need to present payment vouchers when making payments, and no independent minor accounts are required; payments authorized by parents will have no limit on the amount, and there is no need to repeatedly adjust the limit. Therefore, the present invention makes it possible for minors to make payments without the need for advance recharge and frequent adjustment of daily quotas, and the operation is simple. Furthermore, the present invention completes parental review before minors present payment vouchers, so that the efficiency of parental review will not affect the payment efficiency. In scenarios where multiple customers are waiting in line to check out, it can improve the efficiency of commodity settlement and save the waiting time of merchants and other customers.

[0066] In combination with the fourth aspect, in some implementations of the fourth aspect, the first application account is an account used by the first device to log in through the first application; the second application account is an account used by the second device to log in through the second application.

[0067] In combination with the fourth aspect, in certain implementations of the fourth aspect, the first application and the second application are the same or different applications.

[0068] In conjunction with the fourth aspect, in some implementations of the fourth aspect, before receiving the order information sent by the first server according to the binding relationship between the first application account and the second application account, the method further includes:

[0069] Scanning the account QR code of the first application account displayed on the first device through the second application to obtain the first application account;

[0070] Sending a registration request to a first server according to the first application account and the second application account logged in by the second application, wherein the registration request is used to register a binding relationship between the first application account and the second application account;

[0071] The fifth message sent by the first server is received. In the embodiment of the present invention, before the minor uses the first device to make a payment, it needs to be bound to the application account of the parent, so that the minor can make a payment through the bound application account of the parent in subsequent payments.

[0072] In combination with the fourth aspect, in some implementations of the fourth aspect, after obtaining the first application account by scanning the account QR code of the first application account displayed by the first device through the second application, the method further includes:

[0073] Acquire device information of the first device;

[0074] The registration request is also used by the second device to register the binding relationship between the first device and the second device to the first server according to the device information of the first device and the device information of the second device.

[0075] A fifth aspect provides a payment method, applied to a third device, the method comprising:

[0076] obtaining second product information in response to a second operation;

[0077] obtaining a first payment credential in response to a third operation;

[0078] A sixth message is sent to the first server, the sixth message including the second product information and the first payment voucher; the sixth message is used by the first server to verify whether the second product information is consistent with the first product information of the order according to the first payment voucher, and the first identifier includes an identifier of the minor's authorization payment. In the present invention, minors only need to present the payment voucher when making payments, and no longer need an independent minor account. Therefore, the present invention makes it simple to operate without the need for advance recharge and frequent adjustment of the daily quota for minors' payments.

[0079] In combination with the fifth aspect, in some implementations of the fifth aspect, sending the sixth message to the first server includes:

[0080] The sixth message is sent to the first server through the second server.

[0081] A sixth aspect provides a payment method, applied to a payment system, the method comprising:

[0082] In response to the user's operation, the first device sends a seventh message to the first server, where the seventh message carries a first application account and a first identifier logged in by the first device through the first application, where the first identifier includes an identifier of the minor authorizing payment;

[0083] The first server generates a payment credential according to the seventh message, and sends the payment credential to the first device;

[0084] The first device displays the payment credential via the first application;

[0085] The third device obtains the product information in response to the second operation, obtains the payment credential by scanning the payment credential displayed by the first device, and sends a sixth message to the first server, where the sixth message includes the product information and the payment credential;

[0086] The first server generates an order according to the product information, the first application account and the first identifier, and sends the order information to the second device according to the binding relationship between the first application account and the second application account;

[0087] The second device displays an order information interface through a second application according to the order information; and sends a second message to the first server in response to a user's confirmation operation on the order information interface;

[0088] The first server completes the payment of the order through the second application account according to the second message and sends a fourth message to the first device, wherein the fourth message includes the payment result. Compared with the daily quota payment of the minor's account, in the payment method provided by the present invention, the payment of the minor is subject to parental supervision and review; the payment after parental authorization will share the parent's payment account, without the need for advance recharge, and the minor only needs to show the payment voucher when paying, and no independent minor account is required; the payment after parental authorization will have no limit on the quota, and there is no need to adjust the limit repeatedly. Therefore, the present invention makes it possible for minors to make payments without the need for advance recharge and frequent adjustment of the daily quota, and the operation is simple. The payment of minors in the present invention is actually a kind of authorized payment behavior. From the perspective of experience, it is the minor who applies for the parent's payment voucher, that is, the payment voucher. In this process, the collection of product information and the efficiency of parental review are the key factors affecting the experience.

[0089] In combination with the sixth aspect, in some implementations of the sixth aspect, sending the sixth message to the first server includes: sending the sixth message to the first server through the second server.

[0090] A seventh aspect provides a payment method, applied to a second device, the method comprising:

[0091] Receiving order information sent by the first server according to the binding relationship between the first application account and the second application account, the order information including product information, the first application account and a first identifier, the first identifier including an identifier of the minor authorizing payment;

[0092] According to the order information, displaying an order information interface through a second application, wherein the order information interface includes product information;

[0093] In response to the user's confirmation operation on the order information interface, a second message is sent to the first server, and the second message is used by the first server to generate a payment voucher for the order according to the second message and send the payment voucher to the first device. In the payment method provided by the present invention, minors no longer need an independent minor account; after the payment is authorized by the parents, the parent's account is shared, there will be no limit on the amount, and there is no need to adjust the limit repeatedly. Therefore, the present invention makes it simple to operate without the need for advance recharge and frequent adjustment of the daily limit for minors' payment.

[0094] In an eighth aspect, an embodiment of the present invention provides a payment system, the system comprising:

[0095] A first device is configured to obtain first product information in response to a first operation, and send a first message to a first server through a first application according to the first product information, wherein the first message includes a first application account and the first product information, and the order information includes product information, the first application account and a first identifier, wherein the first identifier includes an identifier of a minor authorizing payment;

[0096] The first server is configured to generate an order according to the first message, and send information about the order to the second device according to a binding relationship between the first application account and the second application account;

[0097] The second device is configured to display an order information interface through a second application according to the order information; and send a second message to the first server in response to a user confirming the order information interface;

[0098] The first server is further configured to generate a first payment credential for the order according to the second message, and send a third message to the first device, wherein the third message includes the first payment credential for the order;

[0099] The first device is further configured to display the first payment credential according to the third message;

[0100] a third device, configured to obtain second commodity information in response to the second operation, obtain first payment credentials in response to the third operation, and send a sixth message to the first server, wherein the sixth message includes the second commodity information and the first payment credentials;

[0101] The first server is further configured to verify whether the second commodity information is consistent with the first commodity information of the order according to the first payment voucher, and if consistent, complete payment of the order through the second application account and send a fourth message to the first device, wherein the fourth message includes a payment result;

[0102] The first device is further configured to display the payment result according to the fourth message.

[0103] In a ninth aspect, an embodiment of the present invention provides a payment system, the system comprising:

[0104] The first device is configured to send a seventh message to the first server in response to a user operation, wherein the seventh message carries a first application account and a first identifier logged in by the first device through the first application, wherein the first identifier includes an identifier of the minor authorizing payment;

[0105] a first server, configured to generate a payment credential according to the seventh message, and send the payment credential to the first device;

[0106] The first device is further configured to display the payment credential via the first application;

[0107] a third device, configured to obtain the commodity information in response to the second operation, obtain the payment credential by scanning the payment credential displayed by the first device, and send a sixth message to the first server according to the commodity information and the payment credential;

[0108] The first server is further configured to generate an order according to the product information, the first application account and the first identifier, and send the order information to the second device according to the binding relationship between the first application account and the second application account;

[0109] The second device is configured to display an order information interface through a second application according to the order information; and send a second message to the first server in response to a user confirming the order information interface;

[0110] The first server is further configured to complete payment of the order through the second application account according to the second message and send a fourth message to the first device, wherein the fourth message includes a payment result;

[0111] The first device is further configured to display the payment result according to the fourth message.

[0112] In the tenth aspect, an embodiment of the present invention provides a device, including a processor and a memory, wherein the memory is used to store a program, and the program includes program instructions. When the processor runs the program instructions, the device executes the steps of the method described above.

[0113] In an eleventh aspect, an embodiment of the present invention provides a readable storage medium, wherein the readable storage medium stores a program, wherein the program includes program instructions, and when the program request is executed by a processor or a device, the device executes the method as described above.

[0114] In a twelfth aspect, an embodiment of the present invention provides a program product, which includes instructions. When the program product is run on a device or any at least one processor, the device executes the functions / steps in the above method. BRIEF DESCRIPTION OF THE DRAWINGS

[0115] Figure 1 A schematic diagram of the structure of a device provided by an embodiment of the present invention;

[0116] Figure 2 is a software structure block diagram of the device 100 according to an embodiment of the present invention;

[0117] Figure 3 An architectural diagram of a payment system provided by an embodiment of the present invention;

[0118] Figure 4 for Figure 3 A schematic diagram of an application scenario of the payment system shown;

[0119] Figure 5 An architectural diagram of another payment system provided by an embodiment of the present invention;

[0120] Figure 6 for Figure 5 A schematic diagram of an application scenario of the payment system shown;

[0121] Figure 7 A signaling interaction diagram of a payment method provided by an embodiment of the present invention;

[0122] Figure 8 A signaling interaction diagram of another payment method provided by an embodiment of the present invention;

[0123] Fig. 9 A flow chart of a payment method provided by an embodiment of the present invention;

[0124] Fig.10 A flow chart of a payment method provided by an embodiment of the present invention;

[0125] Fig.11 Flow chart of another payment method provided by an embodiment of the present invention

[0126] Fig.12 A schematic diagram of the structure of a first device provided in an embodiment of the present invention;

[0127] Fig.13 A schematic diagram of the structure of a first server provided in an embodiment of the present invention;

[0128] Fig.14 A schematic diagram of the structure of a second device provided by an embodiment of the present invention;

[0129] Fig.15 A schematic structural diagram of a third device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0130] In order to better understand the technical solution of the present invention, the embodiments of the present invention are described in detail below with reference to the accompanying drawings.

[0131] It should be clear that the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0132] The terms used in the embodiments of the present invention are only for the purpose of describing specific embodiments, and are not intended to limit the present invention. The singular forms "a", "said" and "the" used in the embodiments of the present invention and the appended claims are also intended to include plural forms, unless the context clearly indicates other meanings.

[0133] It should be understood that the term "and / or" used in this article is only a description of the association relationship of associated objects, indicating that there can be three relationships. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone. In addition, the character " / " in this article generally indicates that the associated objects before and after are in an "or" relationship.

[0134] Figure 1 A schematic structural diagram of the device 100 is shown.

[0135] The device 100 may include a processor 110, an external memory interface 120, an internal memory 121, a universal serial bus (USB) interface 130, a charging management module 140, a power management module 141, a battery 142, an antenna 1, an antenna 2, a mobile communication module 150, a wireless communication module 160, an audio module 170, a speaker 170A, a receiver 170B, a microphone 170C, an earphone interface 170D, a sensor module 180, a button 190, a motor 191, an indicator 192, a camera 193, a display screen 194, and a subscriber identification module (SIM) card interface 195, etc. The sensor module 180 may include a pressure sensor 180A, a gyroscope sensor 180B, an air pressure sensor 180C, a magnetic sensor 180D, an acceleration sensor 180E, a distance sensor 180F, a proximity light sensor 180G, a fingerprint sensor 180H, a temperature sensor 180J, a touch sensor 180K, an ambient light sensor 180L, a bone conduction sensor 180M, etc.

[0136] It is to be understood that the structure illustrated in the embodiment of the present invention does not constitute a specific limitation on the device 100. In other embodiments of the present application, the device 100 may include more or fewer components than shown in the figure, or combine some components, or split some components, or arrange the components differently. The components shown in the figure may be implemented in hardware, software, or a combination of software and hardware.

[0137] The processor 110 may include one or more processing units, for example, the processor 110 may include an application processor (AP), a modem processor, a graphics processor (GPU), an image signal processor (ISP), a controller, a video codec, a digital signal processor (DSP), a baseband processor, and / or a neural-network processing unit (NPU), etc. Different processing units may be independent devices or integrated into one or more processors.

[0138] The controller can generate operation control signals according to the instruction operation code and timing signal to complete the control of instruction fetching and execution.

[0139] The processor 110 may also be provided with a memory for storing instructions and data. In some embodiments, the memory in the processor 110 is a cache memory. The memory may store instructions or data that the processor 110 has just used or cyclically used. If the processor 110 needs to use the instruction or data again, it may be directly called from the memory. This avoids repeated access, reduces the waiting time of the processor 110, and thus improves the efficiency of the system.

[0140] In some embodiments, the processor 110 may include one or more interfaces. The interface may include an inter-integrated circuit (I2C) interface, an inter-integrated circuit sound (I2S) interface, a pulse code modulation (PCM) interface, a universal asynchronous receiver / transmitter (UART) interface, a mobile industry processor interface (MIPI), a general-purpose input / output (GPIO) interface, a subscriber identity module (SIM) interface, and / or a universal serial bus (USB) interface, etc.

[0141] It is understandable that the interface connection relationship between the modules illustrated in the embodiment of the present invention is only a schematic illustration and does not constitute a structural limitation on the device 100. In other embodiments of the present application, the device 100 may also adopt different interface connection methods in the above embodiments, or a combination of multiple interface connection methods.

[0142] The charging management module 140 is used to receive charging input from a charger. The charger can be a wireless charger or a wired charger. In some wired charging embodiments, the charging management module 140 can receive charging input from the wired charger through the USB interface 130. In some wireless charging embodiments, the charging management module 140 can receive wireless charging input through the wireless charging coil of the device 100. While the charging management module 140 is charging the battery 142, it can also power the device through the power management module 141.

[0143] The power management module 141 is used to connect the battery 142, the charging management module 140 and the processor 110. The power management module 141 receives input from the battery 142 and / or the charging management module 140, and supplies power to the processor 110, the internal memory 121, the display screen 194, the camera 193, and the wireless communication module 160. The power management module 141 can also be used to monitor parameters such as battery capacity, battery cycle number, battery health status (leakage, impedance), etc. In some other embodiments, the power management module 141 can also be set in the processor 110. In other embodiments, the power management module 141 and the charging management module 140 can also be set in the same device.

[0144] The wireless communication function of the device 100 can be implemented through the antenna 1, the antenna 2, the mobile communication module 150, the wireless communication module 160, the modem processor and the baseband processor.

[0145] Antenna 1 and antenna 2 are used to transmit and receive electromagnetic wave signals. Each antenna in device 100 can be used to cover a single or multiple communication frequency bands. Different antennas can also be reused to improve the utilization of the antennas. For example, antenna 1 can be reused as a diversity antenna for a wireless local area network. In some other embodiments, the antenna can be used in combination with a tuning switch.

[0146] The mobile communication module 150 can provide solutions for wireless communications including 2G / 3G / 4G / 5G applied on the device 100. The mobile communication module 150 may include at least one filter, a switch, a power amplifier, a low noise amplifier (LNA), etc. The mobile communication module 150 can receive electromagnetic waves from the antenna 1, and filter, amplify, and process the received electromagnetic waves, and transmit them to the modulation and demodulation processor for demodulation. The mobile communication module 150 can also amplify the signal modulated by the modulation and demodulation processor, and convert it into electromagnetic waves for radiation through the antenna 1. In some embodiments, at least some of the functional modules of the mobile communication module 150 can be set in the processor 110. In some embodiments, at least some of the functional modules of the mobile communication module 150 can be set in the same device as at least some of the modules of the processor 110.

[0147] The modem processor may include a modulator and a demodulator. Among them, the modulator is used to modulate the low-frequency baseband signal to be sent into a medium-high frequency signal. The demodulator is used to demodulate the received electromagnetic wave signal into a low-frequency baseband signal. The demodulator then transmits the demodulated low-frequency baseband signal to the baseband processor for processing. After the low-frequency baseband signal is processed by the baseband processor, it is passed to the application processor. The application processor outputs a sound signal through an audio device (not limited to a speaker 170A, a receiver 170B, etc.), or displays an image or video through a display screen 194. In some embodiments, the modem processor may be an independent device. In other embodiments, the modem processor may be independent of the processor 110 and be set in the same device as the mobile communication module 150 or other functional modules.

[0148] The wireless communication module 160 can provide wireless communication solutions including wireless local area networks (WLAN) (such as wireless fidelity (Wi-Fi) networks), bluetooth (BT), global navigation satellite system (GNSS), frequency modulation (FM), near field communication (NFC), infrared (IR), etc., which are applied to the device 100. The wireless communication module 160 can be one or more devices integrating at least one communication processing module. The wireless communication module 160 receives electromagnetic waves via the antenna 2, modulates the frequency of the electromagnetic wave signal and performs filtering, and sends the processed signal to the processor 110. The wireless communication module 160 can also receive the signal to be sent from the processor 110, modulate the frequency of it, amplify it, and convert it into electromagnetic waves for radiation through the antenna 2.

[0149] In some embodiments, the antenna 1 of the device 100 is coupled to the mobile communication module 150, and the antenna 2 is coupled to the wireless communication module 160, so that the device 100 can communicate with the network and other devices through wireless communication technology. The wireless communication technology may include global system for mobile communications (GSM), general packet radio service (GPRS), code division multiple access (CDMA), wideband code division multiple access (WCDMA), time-division code division multiple access (TD-SCDMA), long term evolution (LTE), BT, GNSS, WLAN, NFC, FM, and / or IR technology. The GNSS may include a global positioning system (GPS), a global navigation satellite system (GLONASS), a Beidou navigation satellite system (BDS), a quasi-zenith satellite system (QZSS) and / or a satellite based augmentation system (SBAS).

[0150] The device 100 implements the display function through a GPU, a display screen 194, and an application processor. The GPU is a microprocessor for image processing, which connects the display screen 194 and the application processor. The GPU is used to perform mathematical and geometric calculations for graphics rendering. The processor 110 may include one or more GPUs that execute program instructions to generate or change display information.

[0151] The display screen 194 is used to display images, videos, etc. The display screen 194 includes a display panel. The display panel can be a liquid crystal display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode or an active-matrix organic light-emitting diode (AMOLED), a flexible light-emitting diode (FLED), Miniled, MicroLed, Micro-oLed, a quantum dot light-emitting diode (QLED), etc. In some embodiments, the device 100 may include 1 or N display screens 194, where N is a positive integer greater than 1.

[0152] The device 100 can implement a shooting function through an ISP, a camera 193, a video codec, a GPU, a display screen 194, and an application processor.

[0153] ISP is used to process the data fed back by camera 193. For example, when taking a photo, the shutter is opened, and the light is transmitted to the camera photosensitive element through the lens. The light signal is converted into an electrical signal, and the camera photosensitive element transmits the electrical signal to ISP for processing and converts it into an image visible to the naked eye. ISP can also perform algorithm optimization on the noise, brightness, and skin color of the image. ISP can also optimize the exposure, color temperature and other parameters of the shooting scene. In some embodiments, ISP can be set in camera 193.

[0154] The camera 193 is used to capture still images or videos. The object generates an optical image through the lens and projects it onto the photosensitive element. The photosensitive element can be a charge coupled device (CCD) or a complementary metal-oxide-semiconductor (CMOS) phototransistor. The photosensitive element converts the optical signal into an electrical signal, and then passes the electrical signal to the ISP to be converted into a digital image signal. The ISP outputs the digital image signal to the DSP for processing. The DSP converts the digital image signal into an image signal in a standard RGB, YUV or other format. In some embodiments, the device 100 may include 1 or N cameras 193, where N is a positive integer greater than 1.

[0155] The digital signal processor is used to process digital signals, and in addition to processing digital image signals, it can also process other digital signals. For example, when the device 100 is selecting a frequency point, the digital signal processor is used to perform Fourier transform on the frequency point energy.

[0156] Video codecs are used to compress or decompress digital videos. Device 100 may support one or more video codecs. Thus, device 100 may play or record videos in multiple coding formats, such as Moving Picture Experts Group (MPEG) 1, MPEG2, MPEG3, MPEG4, etc.

[0157] NPU is a neural network (NN) computing processor. By drawing on the structure of biological neural networks, such as the transmission mode between neurons in the human brain, it can quickly process input information and can also continuously self-learn. Through NPU, applications such as intelligent cognition of device 100 can be realized, such as image recognition, face recognition, voice recognition, text understanding, etc.

[0158] The external memory interface 120 can be used to connect an external memory card, such as a Micro SD card, to expand the storage capacity of the device 100. The external memory card communicates with the processor 110 through the external memory interface 120 to implement a data storage function, such as storing music, video and other files in the external memory card.

[0159] The internal memory 121 can be used to store computer executable program codes, which include instructions. The internal memory 121 may include a program storage area and a data storage area. Among them, the program storage area may store an operating system, an application required for at least one function (such as a sound playback function, an image playback function, etc.), etc. The data storage area may store data created during the use of the device 100 (such as audio data, a phone book, etc.), etc. In addition, the internal memory 121 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, a universal flash storage (UFS), etc. The processor 110 executes various functional applications and data processing of the device 100 by running instructions stored in the internal memory 121 and / or instructions stored in a memory provided in the processor.

[0160] The device 100 can implement audio functions such as music playing and recording through the audio module 170, the speaker 170A, the receiver 170B, the microphone 170C, the headphone jack 170D, and the application processor.

[0161] The audio module 170 is used to convert digital audio information into analog audio signal output, and is also used to convert analog audio input into digital audio signals. The audio module 170 can also be used to encode and decode audio signals. In some embodiments, the audio module 170 can be arranged in the processor 110, or some functional modules of the audio module 170 can be arranged in the processor 110.

[0162] The speaker 170A, also called a "speaker", is used to convert an audio electrical signal into a sound signal. The device 100 can listen to music or listen to a hands-free call through the speaker 170A.

[0163] The receiver 170B, also called a "earpiece", is used to convert audio electrical signals into sound signals. When the device 100 receives a call or voice message, the voice can be received by placing the receiver 170B close to the human ear.

[0164] Microphone 170C, also called "microphone" or "microphone", is used to convert sound signals into electrical signals. When making a call or sending a voice message, the user can speak by putting their mouth close to microphone 170C to input the sound signal into microphone 170C. The device 100 can be provided with at least one microphone 170C. In other embodiments, the device 100 can be provided with two microphones 170C, which can not only collect sound signals but also realize noise reduction function. In other embodiments, the device 100 can also be provided with three, four or more microphones 170C to realize the collection of sound signals, noise reduction, identification of sound sources, realization of directional recording function, etc.

[0165] The earphone interface 170D is used to connect a wired earphone and can be a USB interface 130, or a 3.5 mm open mobile terminal platform (OMTP) standard interface or a cellular telecommunications industry association of the USA (CTIA) standard interface.

[0166] The touch sensor 180K is also called a "touch control device". The touch sensor 180K can be set on the display screen 194. The touch sensor 180K and the display screen 194 form a touch screen, also called a "touch control screen". The touch sensor 180K is used to detect touch operations acting on or near it. The touch sensor can pass the detected touch operation to the application processor to determine the type of touch event. Visual output related to the touch operation can be provided through the display screen 194. In other embodiments, the touch sensor 180K can also be set on the surface of the device 100, which is different from the position of the display screen 194.

[0167] The key 190 includes a power key, a volume key, etc. The key 190 may be a mechanical key or a touch key. The device 100 may receive key input and generate key signal input related to user settings and function control of the device 100.

[0168] Motor 191 can generate vibration prompts. Motor 191 can be used for incoming call vibration prompts, and can also be used for touch vibration feedback. For example, touch operations acting on different applications (such as taking pictures, audio playback, etc.) can correspond to different vibration feedback effects. For touch operations acting on different areas of the display screen 194, motor 191 can also correspond to different vibration feedback effects. Different application scenarios (for example: time reminders, receiving messages, alarm clocks, games, etc.) can also correspond to different vibration feedback effects. The touch vibration feedback effect can also support customization.

[0169] Indicator 192 may be an indicator light, which may be used to indicate charging status, power changes, messages, missed calls, notifications, etc.

[0170] The SIM card interface 195 is used to connect a SIM card. The SIM card can be connected to and separated from the device 100 by inserting it into the SIM card interface 195 or pulling it out from the SIM card interface 195. The device 100 can support 1 or N SIM card interfaces, where N is a positive integer greater than 1. The SIM card interface 195 can support Nano SIM cards, Micro SIM cards, SIM cards, and the like. Multiple cards can be inserted into the same SIM card interface 195 at the same time. The types of the multiple cards can be the same or different. The SIM card interface 195 can also be compatible with different types of SIM cards. The SIM card interface 195 can also be compatible with external memory cards. The device 100 interacts with the network through the SIM card to implement functions such as calls and data communications. In some embodiments, the device 100 uses an eSIM, i.e., an embedded SIM card. The eSIM card can be embedded in the device 100 and cannot be separated from the device 100.

[0171] The software system of the device 100 may adopt a layered architecture, an event-driven architecture, a micro-kernel architecture, a micro-service architecture, or a cloud architecture. In the embodiment of the present invention, the Android system of the layered architecture is taken as an example to exemplify the software structure of the device 100.

[0172] Figure 2 It is a software structure block diagram of the device 100 according to an embodiment of the present invention.

[0173] The layered architecture divides the software into several layers, each with clear roles and division of labor. The layers communicate with each other through software interfaces. In some embodiments, the Android system is divided into four layers, from top to bottom: the application layer, the application framework layer, the Android runtime and system library, and the kernel layer.

[0174] The application layer can include a series of application packages.

[0175] like Figure 2 As shown, the application package may include camera, gallery, calendar, call, map, navigation, WLAN, Bluetooth, music, video, short message and other applications.

[0176] The application framework layer provides an application programming interface (API) and a programming framework for the applications in the application layer. The application framework layer includes some predefined functions.

[0177] like Figure 2 As shown, the application framework layer may include a window manager, a content provider, a view system, a phone manager, a resource manager, a notification manager, and the like.

[0178] The window manager is used to manage window programs. The window manager can obtain the display screen size, determine whether there is a status bar, lock the screen, capture the screen, etc.

[0179] Content providers are used to store and retrieve data and make it accessible to applications. The data may include videos, images, audio, calls made and received, browsing history and bookmarks, phone books, etc.

[0180] The view system includes visual controls, such as controls for displaying text, controls for displaying images, etc. The view system can be used to build applications. A display interface can be composed of one or more views. For example, a display interface including a text notification icon can include a view for displaying text and a view for displaying images.

[0181] The phone manager is used to provide communication functions of the device 100, such as management of call status (including connection, disconnection, etc.).

[0182] The resource manager provides various resources for applications, such as localized strings, icons, images, layout files, video files, and so on.

[0183] The notification manager allows applications to display notification information in the status bar. It can be used to convey notification-type messages and can disappear automatically after a short stay without user interaction. For example, the notification manager is used to notify download completion, message reminders, etc. The notification manager can also be a notification that appears in the system top status bar in the form of a chart or scroll bar text, such as notifications of applications running in the background, or a notification that appears on the screen in the form of a dialog window. For example, a text message is displayed in the status bar, a prompt sound is emitted, the device vibrates, the indicator light flashes, etc.

[0184] Android Runtime includes core libraries and virtual machines. Android runtime is responsible for scheduling and management of the Android system.

[0185] The core library consists of two parts: one part is the function that needs to be called by the Java language, and the other part is the Android core library.

[0186] The application layer and the application framework layer run in a virtual machine. The virtual machine executes the Java files of the application layer and the application framework layer as binary files. The virtual machine is used to perform functions such as object life cycle management, stack management, thread management, security and exception management, and garbage collection.

[0187] The system library may include multiple functional modules, such as surface manager, media library, 3D graphics processing library (such as OpenGL ES), 2D graphics engine (such as SGL), etc.

[0188] The surface manager is used to manage the display subsystem and provide the fusion of 2D and 3D layers for multiple applications.

[0189] The media library supports playback and recording of a variety of commonly used audio and video formats, as well as static image files, etc. The media library can support a variety of audio and video encoding formats, such as: MPEG4, H.264, MP3, AAC, AMR, JPG, PNG, etc.

[0190] The 3D graphics processing library is used to implement 3D graphics drawing, image rendering, compositing, and layer processing.

[0191] A 2D graphics engine is a drawing engine for 2D drawings.

[0192] The kernel layer is the layer between hardware and software. The kernel layer contains at least display driver, camera driver, audio driver, and sensor driver.

[0193] The following is an illustrative description of the software and hardware workflow of the device 100 in conjunction with the capture and photo shooting scene.

[0194] When the touch sensor 180K receives a touch operation, the corresponding hardware interrupt is sent to the kernel layer. The kernel layer processes the touch operation into a raw input event (including touch coordinates, timestamp of the touch operation, and other information). The raw input event is stored in the kernel layer. The application framework layer obtains the raw input event from the kernel layer and identifies the control corresponding to the input event. For example, if the touch operation is a touch single-click operation and the control corresponding to the single-click operation is the control of the camera application icon, the camera application calls the interface of the application framework layer to start the camera application, and then starts the camera driver by calling the kernel layer to capture static images or videos through the camera 193.

[0195] Taking the example of minors using children’s watches to make payments, they need to bind the app and recharge the children’s watch before making payment.

[0196] Binding application: The user slides the screen to more on the main interface of the children's watch or short presses the HOME button or button to make the children's watch enter the application list. The children's watch responds to the user's download operation on the application in the application market APP, downloads and installs the application. The user clicks on the application in the watch application list, enters the password according to the prompt of the application and clicks the control to confirm the consent to use the relevant permissions, then clicks the control to agree to the agreement, and then clicks the control to bind immediately. The QR code interface of the application appears on the children's watch. After the parent uses the application on the mobile phone to scan the QR code of the application on the children's watch, the mobile phone enters the watch payment activation interface. After the parent clicks the control to agree to the agreement, clicks the control to activate immediately, and then follows the prompts on the mobile phone. After the binding is successful, there will be a successful binding prompt on the interface of the mobile phone and the interface of the children's watch. After the binding is successful, the parent names the children's watch by operating the mobile phone, and deposits pocket money into the minors' account of the children's watch according to the prompts. After confirming the opening of the minors' account, the minors can pay through the children's watch, and the payment is initiated from the minors' account.

[0197] There are two ways to recharge children's watches:

[0198] Method 1: The user clicks on the money collection control or the red envelope collection control on the application interface of the children's watch, and a QR code for collecting money will appear on the children's watch. Parents can use the mobile phone application to scan the QR code on the children's watch to recharge the children's watch.

[0199] Method 2: The parent opens the application on the mobile phone and clicks on the control of the smart device. The mobile phone displays a list of smart devices. The parent selects the device name of the children's watch in the list of smart devices, enters the pocket money interface, and clicks on the control for depositing pocket money to recharge the children's watch.

[0200] Minors use children's watches to pay: After the children's watch is successfully bound to the application on the mobile phone, the minor slides the screen to More on the main interface of the children's watch or short presses the HOME button or button, the children's watch enters the function list, the minor slides down the screen to find and clicks the application, after entering the password, clicks the payment code control, and the children's watch displays the payment code; the merchant uses a barcode scanner to scan the payment code on the children's watch and pay through the minor's account.

[0201] Modify the daily payment limit: Parents open the app on the phone, click on the control of the smart device, the phone will display a list of smart devices, parents select the device name of the children's watch in the smart device list, the phone will enter the pocket money interface, parents click on the control to modify the daily payment limit in the pocket money interface, enter the amount and click to confirm the change.

[0202] View spending records: Parents open the mobile app and click on the smart device control. The phone will display a list of smart devices. Parents select the device name of the children's watch in the smart device list. The phone will enter the pocket money interface. Parents can view the spending records of the minor's account by clicking on the detailed control in the pocket money interface.

[0203] Payments by minors are usually based on small amount limits to control the consumption of minors. However, small amount limits are not flexible enough and the following two situations may occur:

[0204] Case 1: Although the daily limit of a minor’s account is small, the products purchased by the minor may be those that the parents do not want him to buy, such as cigarettes, alcohol, unhealthy snacks, etc.

[0205] Situation 2: The amount of some goods exceeds the daily limit of a minor’s account, but they are also urgently needed by children, so parents need to frequently adjust the daily limit.

[0206] Therefore, payments by minors require recharging their accounts in advance and frequently adjusting the daily limit, which is not conducive to healthy and convenient payments by minors; and are not restricted by product categories, so they may purchase harmful items.

[0207] Based on the above technical problems, the embodiments of the present invention provide a payment method, system and device, so that minors' payment does not need to be recharged in advance and the daily quota does not need to be adjusted frequently, and the operation is simple; and it is subject to restrictions on commodity categories to prevent minors from purchasing harmful items.

[0208] Figure 3 The following is an architecture diagram of a payment system provided by an embodiment of the present invention. Figure 3As shown, the payment system includes a first device 210, a second device 220, a first server 230, a third device 240, and a second server 250. The first device 210, the second device 220, and the second server 250 are all wirelessly connected to the first server 230; the third device 240 is wirelessly connected to the second server 250.

[0209] The hardware structure and software structure of the device provided in the embodiment of the present invention can be found in Figure 1 and Figure 2 For relevant description about device 100.

[0210] Exemplarily, the first device 210 is a smart device with a scanning function and installed applications, and the user is a minor, for example, the first device 210 is a children's watch or a mobile phone.

[0211] Exemplarily, the second device 220 is a terminal device, and the user is a parent, for example, the second device 220 is a mobile phone or tablet of the parent.

[0212] Exemplarily, the first server 230 is a payment cloud server.

[0213] Exemplarily, the third device 240 is a cash register device of a merchant, for example, a computer or a mobile phone.

[0214] Exemplarily, the second server 250 is a merchant cloud server.

[0215] The first device 210 is used to log in to the first application account through the first application 211; and display the account QR code of the first application account through the first application 211. Figure 3 As shown, the first device 210 includes a first application 211 and a first display module 212. The first application 211 is used to log in to the first application 211 using a first application account, generate an account QR code according to the first application account, and send the account QR code to the first display module 212 of the first device 210; the first display module 212 is used to display the account QR code of the first application account.

[0216] The second device 220 is used to scan the account QR code of the first application account displayed by the first device 210 through the second application 221 to obtain the first application account; according to the first application account and the second application account logged in by the second application, a registration request is sent to the first server 230, and the registration request is used to register the binding relationship between the first application account and the second application account. Figure 3As shown, the second device 220 includes a second application 221 and a second display module 222. The second application 221 is used to log in to the second application 221 using the second application account, scan the account QR code of the first application account displayed by the first device 210, and obtain the first application account; according to the first application account and the second application account, send a registration request to the first server 230, and the registration request is used to register the binding relationship between the first application account and the second application account.

[0217] Optionally, the second device 220 is further configured to scan the account QR code of the first application account displayed by the first device 210 through the second application 221 to obtain the device information of the first device 210. The registration request is also used to register the binding relationship between the first device 210 and the second device 220.

[0218] Exemplarily, the second device 220 includes a camera, and the second application 221 calls the camera to scan the account QR code.

[0219] The first application account is an account logged in by the first device 210 through the first application 211; the second application account is an account logged in by the second device 220 through the second application 221. The first application 211 and the second application 211 are the same or different applications. The first application 211 is installed on the first device 210, and the second application 221 is installed on the second device 220.

[0220] The first server 230 is used to bind the first application account to the second application account according to the registration request, and send a fifth message to the first device 210 and the second device 220, where the fifth message includes a message that the first application account and the second application account are successfully bound.

[0221] Optionally, the first server 230 is further configured to bind the first device 210 and the second device 220 according to the registration request. The fifth message also includes a message indicating that the first device 210 and the second device 220 are successfully bound.

[0222] The first device 210 and the second device 220 are configured to display a fifth message. Figure 3 As shown, the first payment application module 2112 of the first device 210 is used to receive the fifth message and send the fifth message to the first display module 212 of the first device 210; the first display module 212 is used to display the fifth message. Figure 3As shown, the second application 221 of the second device 220 is used to receive the fifth message and send the fifth message to the second display module 222 of the second device 220; the second display module 222 is used to display the fifth message. In the embodiment of the present invention, before the minor uses the first device to make a payment, it is necessary to bind it with the parent's application account, so that the payment is made through the bound parent's application account in subsequent payments. Optionally, the first device 210 can be bound to multiple parent's application accounts.

[0223] The first device 210 is used to obtain the first product information in response to the first operation, and send the first message to the first server 230 through the first application 211 according to the first product information. The first message includes the first application account, the first product information and the first identifier, and the first identifier includes the identifier of the minor's authorization payment. The first device 210 can automatically send the first message after obtaining the first product information, or send the first message in response to the user's operation after obtaining the first product information. Figure 3 As shown, the first application 211 includes a first commodity identification module 2111, a first payment application module 2112 and a payment voucher display module 2113. Figure 3 As shown, the first commodity identification module 2111 is used to obtain the first commodity information in response to the first operation, and send the first commodity information to the first payment application module 2112; the first payment application module 2112 is used to send the first message to the first server 230 according to the first commodity information.

[0224] Exemplarily, the first operation includes identifying an identifier of the commodity.

[0225] Exemplarily, the identification of the product includes: a QR code, a barcode, a Near Field Communication-Tag (NFC-Tag) or a voiceprint code.

[0226] Illustratively, the first product information may be product information of one product, or may be product information of multiple products.

[0227] Exemplarily, the commodity information includes: commodity name, commodity category and commodity amount. For example, the commodity category includes food or stationery.

[0228] In the embodiment of the present invention, basic information of the commodity is defined, such as category, name, description, price, etc., and can be easily identified.

[0229] The first server 230 is used to generate an order according to the first message, and send the order information to the second device 220 according to the binding relationship between the first application account and the second application account. Figure 3As shown, the first server 230 includes a payment voucher management module 231, a payment order module 232 and an order reminder module 233. The payment order module 232 is used to receive the first message, parse the first product information and the first application account according to the first message, generate an order, and the order information includes the first product information, the first application account and the first identifier; and send the order information to the order reminder module 233. The order reminder module 233 is used to send the order information to the second device 220. In the embodiment of the present invention, when the first device 210 initiates the first message, it will also carry the first product information so that the first server 230 associates the first product information in the order.

[0230] Optionally, the first message also includes a second application account; the second application account is an application account selected by the user from multiple application accounts bound to the first application account displayed by the first application. In this embodiment of the present invention, the first application account can be bound to multiple application accounts, and the minor can select one of the bound application accounts for payment.

[0231] Alternatively, if Figure 3 As shown, the payment system further includes a third server 260, and the third server 260 includes a commodity category management module 261. Before the first server 230 sends the order information to the second device 220, it is also used to obtain the first commodity information according to the first message; and send the first commodity information to the third server 260 according to the first identifier. The commodity category management module 261 of the third server 260 is used to determine whether the first commodity information hits the minors' commodity blacklist, and send the judgment result to the first server 230. The first server 230 is also used to cancel the order and send the reason for cancellation of the order to the first device 210, the second device 220 and the second server 250 if the judgment result includes that the first commodity information hits the minors' commodity blacklist. The second server 250 is also used to send the reason for cancellation of the order to the third device 240. The first device 210, the second device 220 and the third device 240 are used to display the order cancellation and the reason for cancellation. The first server 230 is also used to send the order information to the second device 220 according to the binding relationship between the first application account and the second application account if the judgment result includes that the first commodity information does not hit the minors' commodity blacklist. Exemplarily, the reason for cancellation is that the product is on the blacklist of products for minors. The present invention performs a product category check on the payment of minors, intercepts the blacklisted products and provides risk reminders; for non-blacklisted products, the order information continues to be sent to the parent's second device.

[0232] Exemplarily, the third server 260 is a commodity category management system. The embodiment of the present invention supports commodity category inspection for minors' payment, interception of blacklisted commodities and risk reminder.

[0233] Optionally, the commodity category management module 261 may also be disposed in the first server 230 , so that the first server 230 can implement the commodity category checking function without interacting with the third server 260 .

[0234] The second device 220 is also used to display the order information interface through the second application 221 according to the order information; in response to the user's cancellation operation on the order information interface, send an order cancellation message to the first server 230. Figure 3 As shown, the second payment application module 2211 is used to send the order information to the second display module 222; the second display module 222 is used to display the order information interface; the second payment application module 2211 is also used to send an order cancellation message to the first server 230 in response to the user's cancellation operation on the order information interface.

[0235] The first server 230 is further configured to cancel the order according to the order cancellation message and send an authorization failure message to the first device 210. Figure 3 As shown, the payment order module 232 of the first server 230 is used to receive an order cancellation message, cancel the order according to the order cancellation message, and send an authorization failure message to the first device 210.

[0236] The first device 210 is also used to display an authorization failure message. Figure 3 As shown, the first payment application module 2112 of the first device 210 is used to receive the authorization failure message and send the authorization failure message to the first display module 212 of the first device 210; the first display module 212 is used to display the authorization failure message. In the present invention, if the parent does not agree to pay for the order, the payment cloud server directly cancels the order and notifies the first device of the minor of the authorization failure.

[0237] The second device 220 is further configured to send a second message to the first server 230 in response to the user's confirmation operation on the order information interface. Figure 3 As shown, the second payment application module 2211 of the second application 221 is also used to send a second message to the first server 230 in response to the user's confirmation operation on the order information interface.

[0238] Optionally, the first message and the order information also include the device information of the first device 210; the order information is also used by the second device 220 to determine whether the first device 210 and the second device 220 are in a binding relationship based on the device information of the first device 210, and to display whether the first device 210 and the second device 220 are in a binding relationship on the order information interface. The embodiment of the present invention binds the first device 210 and the second device 220 to prevent minors from logging into the first application account on devices other than the first device 210.

[0239] The first server 230 is further configured to generate a first payment credential for the order according to the second message, and send the first payment credential for the order to the first device 210. Figure 3 As shown, the payment order module 232 of the first server 230 is used to receive the second message, validate the order and send the second message to the payment voucher management module 231. The payment voucher management module 231 is used to generate a first payment voucher for the order according to the second message, and send a third message to the payment order module 231 and the first device 210. The third message includes the first payment voucher.

[0240] Exemplarily, the payment credential includes a QR code.

[0241] The first device 210 is further configured to display the first payment credential according to the third message. Figure 3 As shown, the payment voucher display module 2113 of the first device 210 is used to receive the third message and send the third message to the first display module 212 of the first device 210; the first display module 212 is used to display the first payment voucher according to the third message.

[0242] The third device 240 is used to obtain the second product information in response to the second operation, obtain the first payment credential in response to the third operation, and send a sixth message to the first server 230, where the sixth message includes the second product information and the first payment credential. Figure 3 As shown, the third device 240 includes a first cashier module 241, a second commodity identification module 242 and a third display module 243. The second commodity identification module 242 is used to obtain second commodity information in response to the second operation, and send the second commodity information to the first cashier module 241. The first cashier module 241 is used to obtain the first payment credential in response to the third operation, and send a sixth message to the first server 230.

[0243] Exemplarily, the third device 240 includes a barcode scanner, and the second operation is to scan the logo of the product through the barcode scanner, and the barcode scanner sends the scanned logo of the product to the second product identification module 242; the second product identification module 242 identifies the logo of the product to obtain product information.

[0244] Exemplarily, the third operation is that the third device 240 obtains the first payment credential by scanning the first payment credential displayed by the first device 210 through a barcode scanner.

[0245] Exemplarily, the third device 240 may also scan the logo of the commodity through a camera. The third device 240 may also scan the payment voucher through a camera.

[0246] Illustratively, the second product information may be product information of one product, or may be product information of multiple products.

[0247] Optionally, the third device 240 is used to send a sixth message to the first server 230 through the second server 250.

[0248] The second server 250 is configured to send the sixth message to the first server 230 according to the sixth message. Figure 3 As shown, the second server 250 includes a second cashier module 251. The second cashier module 251 is used to forward the sixth message to the first server 230.

[0249] The first server 230 is also used to check whether the second product information carried in the sixth message is consistent with the first product information of the order according to the first payment voucher. If they are consistent, the payment of the order is completed through the second application account and a payment success result is sent to the first device 210, the second device 220 and the second server 250. Figure 3 As shown, the payment order module 232 of the first server 230 is used to receive the sixth message, and check whether the second commodity information carried in the sixth message is consistent with the first commodity information of the order according to the first payment voucher. If they are consistent, the payment of the order is completed through the second application account and the payment success result is sent to the first device 210, the second device 220 and the second server 250. In the embodiment of the present invention, the parents review the payment of the minors and share the payment account for payment.

[0250] Specifically, the first server 230 is used to obtain the order corresponding to the first payment voucher according to the first payment voucher in the sixth message; and verify whether the second product information is consistent with the first product information of the order according to the first identifier in the order information.

[0251] The second server 250 is used to send the payment success result to the third device 240. Figure 3 As shown, the second cashier module 251 is used to forward the payment success result to the third device 240.

[0252] The first device 210, the second device 220 and the third device 240 are also used to display the payment success result. Figure 3 As shown, the first payment application module 2112 of the first device 210 is used to receive the payment success result and send the payment success result to the first display module 212; the first display module 212 is used to display the payment success result. Figure 3 As shown, the second payment application module 2211 of the second device 220 is used to receive the payment success result and send the payment success result to the second display module 222; the second display module 222 is used to display the payment success result. Figure 3 As shown, the first cashier module of the third device 240 is used to receive the payment success result, and send the payment success result to the third display module 243 of the third device 240; the third display module 243 is used to display the payment success result.

[0253] The first server 230 is also used to check whether the second product information carried in the sixth message is consistent with the first product information of the order. If they are inconsistent, the payment order is rejected and a payment failure result is sent to the first device 210, the second device 220 and the second server 250. Figure 3 As shown, the payment order module 232 of the first server 230 is also used to check whether the second commodity information is consistent with the first commodity information of the order. If not, the payment order is rejected and a payment failure result is sent to the first device 210, the second device 220 and the second server 250. In the present invention, the payment cloud server checks whether the second commodity information is consistent with the first commodity information of the order. If not, the commodity applied for authorization and the commodity actually paid are inconsistent, and the payment order is rejected, which can ensure the consistency of the commodity applied for authorization by the minor and the commodity actually paid.

[0254] The second server 250 is used to send the payment failure result to the third device 240. Figure 3 As shown, the second cashier module 251 is used to forward the payment failure result to the third device 240.

[0255] The first device 210, the second device 220 and the third device 240 are also used to display the payment failure result. Figure 3 As shown, the first payment application module 2112 of the first device 210 is used to receive the payment failure result and send the payment failure result to the first display module 212; the first display module 212 is used to display the payment failure result. Figure 3 As shown, the second payment application module 2211 of the second device 220 is used to receive the payment failure result and send the payment failure result to the second display module 222; the second display module 222 is used to display the payment failure result. Figure 3 As shown, the first cashier module of the third device 240 is used to receive the payment failure result, and send the payment failure result to the third display module 243; the third display module 243 is used to display the payment failure result.

[0256] Figure 4 for Figure 3 Schematic diagram of an application scenario of the payment system shown. For example, the first device is a children's watch, the second device is a parent's mobile phone, and the third device is a merchant's device. The first server is a payment cloud server, the second server is a merchant cloud server, and the third server is a commodity category management system. Figure 4As shown, the children's watch uses the first application account to log in to the first application and displays the account QR code, 1) the parent's mobile phone uses the second application account to log in to the second application and scans the account QR code of the children's watch through the second application to sign the contract; 2) the parent's mobile phone applies to the payment cloud server for binding the first application account and the second application account based on the first application account obtained by scanning the account QR code; 3) after the first application account and the second application account are successfully bound, the children's watch obtains the first product information in response to the first operation; 4) the children's watch sends a first message to the payment cloud server based on the first product information, the first message includes the first application account, the first product information and the first identifier, and the first identifier includes the identifier of the minor's authorization to pay; 5) the payment cloud server generates an order based on the first message and sends the first product information to the product category management system; the product category management system returns a judgment result to the payment cloud server, and the judgment result includes that the first product information does not hit the minor's product blacklist; 6) the payment cloud server queries the binding relationship between the first application account and the second application account; 7 ) The payment cloud server sends the order information to the parent's mobile phone according to the binding relationship between the first application account and the second application account; the parent's mobile phone displays the order information interface according to the order information, and the order information interface includes the first product information; 8) The parent's mobile phone responds to the parent's confirmation operation on the order information interface and sends a second message to the payment cloud server; 9) The payment cloud server generates the first payment voucher for the order according to the second message; 10) The payment cloud server sends a third message to the children's watch, and the third message includes the first payment voucher; the children's watch displays the first payment voucher according to the third message; 11) The merchant device obtains the second product information in response to the second operation; 12) The merchant device obtains the first payment voucher in response to the third operation; 13) The merchant device sends a sixth message to the merchant cloud server, and the sixth message includes the second product information and the first payment voucher; 14) The merchant cloud server sends the sixth message to the payment cloud server; 15) The payment cloud server verifies that the second product information in the sixth message is consistent with the first product information, and completes the payment of the order through the second application account.

[0257] Figure 3 Compared with the daily limit payment of minors' accounts, the payment system shown has one change in the experience of minors, that is, they need to use a smart device with scanning function and installed application, such as a children's watch, to identify the goods applied for purchase this time. There are two changes in the experience for parents. First, the process of recharging and withdrawing money for minors' accounts, setting daily limits and adjusting daily limits has been removed; second, the payment application review process has been added. There is one change in the experience for merchants, that is, the product definition process has been added, but the experience in the payment link has not changed.

[0258] Figure 3In the payment system shown, the payment process is supervised and reviewed by parents; payments authorized by parents will share the parents’ payment account, without the need for advance recharge. Minors only need to show payment receipts when making payments, and no independent minors’ accounts are required; payments authorized by parents will have no limit on the amount, and there is no need to adjust the limit repeatedly. Therefore, the embodiments of the present invention make it simple to operate when minors do not need to recharge in advance or adjust the daily limit frequently; and are subject to restrictions on commodity categories to prevent minors from purchasing harmful items. In addition, Figure 3 The payment system shown requires minors and merchants to identify goods, and to check whether the goods identified by minors and merchants are consistent during the payment process, thereby ensuring that the goods purchased by minors are consistent with the goods approved by their parents.

[0259] Further, Figure 3 The payment system shown completes parental review before the minor presents the payment voucher, so that the efficiency of parental review will not affect the payment efficiency. In the scenario where multiple customers are waiting in line to check out, it can improve the efficiency of commodity settlement and save the waiting time of merchants and other customers.

[0260] The payment by minors in the embodiment of the present invention is actually an authorized payment behavior. From the perspective of experience, the minor applies for the payment voucher of the parent, that is, the payment voucher. In this process, the efficiency of commodity information collection and parent review is the key to the experience.

[0261] Figure 5 The following is another architecture diagram of a payment system provided by an embodiment of the present invention. Figure 5 As shown, the payment system includes a first device 310, a second device 320, a first server 330, a third device 340, and a second server 350. The first device 310, the second device 320, and the second server 350 are all wirelessly connected to the first server 330; the third device 340 and the second server 350 are wirelessly connected.

[0262] The hardware structure and software structure of the device provided in the embodiment of the present invention can be found in Figure 1 and Figure 2 For relevant description about device 100.

[0263] Exemplarily, the first device 310 is a smart device with a scanning function and installed applications, and the user is a minor, for example, the first device 310 is a children's watch or a mobile phone.

[0264] Exemplarily, the second device 320 is a terminal device, and the user is a parent, for example, the second device 320 is a mobile phone or tablet of the parent.

[0265] Exemplarily, the first server 330 is a payment cloud server.

[0266] Exemplarily, the third device 340 is a cash register device of a merchant, for example, a computer or a mobile phone.

[0267] Exemplarily, the second server 350 is a merchant cloud server.

[0268] Figure 5 The payment systems shown and Figure 3 The payment system shown is different in that the first device 310 does not include a commodity identification module.

[0269] The first device 310 is used to log in to the first application 311 through the first application account; and display the account QR code of the first application account through the first application 311. Figure 5 As shown, the first device 310 includes a first application 311 and a first display module 312. The first application 311 is used to generate an account QR code according to the first application account, and send the account QR code to the first display module 312 of the first device 310; the first display module 312 is used to display the account QR code of the first application account.

[0270] The second device 320 is used to log in to the second application 321 through the second application account, and scan the account QR code of the first application account displayed by the first device 310 through the second application 321 to obtain the first application account; according to the first application account and the second application account, a registration request is sent to the first server 330, and the registration request is used to register the binding relationship between the first application account and the second application account. Figure 5 As shown, the second device 320 includes a second application 321 and a second display module 322. The second application 321 is used to scan the account QR code of the first application account displayed by the first device 310 to obtain the first application account; according to the first application account and the second application account, a registration request is sent to the first server 330, and the registration request is used to register the binding relationship between the first application account and the second application account.

[0271] The first application account is an account logged in by the first device 310 through the first application 311; the second application account is an account logged in by the second device 320 through the second application 321. The first application 311 and the second application 311 are the same or different applications. The first application 311 is installed on the first device 310, and the second application 321 is installed on the second device 320.

[0272] Optionally, the second device 320 is further configured to scan the account QR code of the first application account displayed by the first device 310 through the second application 321 to obtain the device information of the first device 310. The registration request is also used to register the binding relationship between the first device 310 and the second device 320.

[0273] The first server 330 is configured to bind the first application account to the second application account according to the registration request, and send a fifth message to the first device 310 and the second device 320. The fifth message includes a message indicating that the first application account and the second application account are successfully bound.

[0274] Optionally, the first server 330 is further configured to bind the first device 310 and the second device 320 according to the registration request. The fifth message also includes a message indicating that the first device 310 and the second device 320 are successfully bound.

[0275] The first device 310 and the second device 320 are configured to display a fifth message. Figure 5 As shown, the first payment application module 3112 of the first device 510 is used to receive the fifth message and send the fifth message to the first display module 312 of the first device 310; the first display module 312 is used to display the fifth message. Figure 5 As shown, the second application 321 of the second device 320 includes a second payment application module 3211; the second payment application module 3211 is used to receive the fifth message and send the fifth message to the second display module 322 of the second device 320; the second display module 322 is used to display the fifth message. In the embodiment of the present invention, before the minor uses the first device to make a payment, it is necessary to bind it with the parent's application account, so that the minor can make a payment through the bound parent's application account in subsequent payments.

[0276] The first device 310 is used to send a seventh message to the first server 330 in response to the user's operation, wherein the seventh message includes a first application account and a first identifier logged in by the first device 310 through the first application 311, wherein the first identifier includes an identifier of the minor authorizing payment. Figure 5 As shown, the first payment application module 3112 of the first application 312 is used to send a seventh message to the first server 330 in response to the user's operation.

[0277] The first server 330 is configured to generate a payment credential according to the seventh message and send the payment credential to the first device 310. Figure 5 As shown, the first server 330 includes a payment voucher management module 331, a payment order module 332 and an order reminder module 333. The payment order module 332 is used to receive the seventh message and send the seventh message to the payment voucher management module 331; the payment voucher management module 331 is used to generate a payment voucher according to the seventh message and send the payment voucher to the first device 310.

[0278] The first device 310 is also used to display the payment credentials through the first application 311. Figure 5As shown, the payment voucher display module 3113 is used to receive the payment voucher and send the payment voucher to the first display module 312; the first display module 312 displays the payment voucher.

[0279] The third device 340 is also used to obtain product information in response to the second operation, obtain the payment credential by scanning the payment credential displayed by the first device 310, and the payment credential carries the first application account logged in by the first device 310 through the first application; send a sixth message to the first server 330, the sixth message including the product information and the payment credential. Figure 5 As shown, the third device 340 includes a first cash register module 341, a commodity identification module 342 and a third display module 343. Figure 5 As shown, the product identification module 342 is used to obtain product information in response to the second operation, and send the product information to the first cashier module 341; the first cashier module 341 is used to obtain the payment credential by scanning the payment credential displayed by the first device 310, and generate a sixth message based on the product information and the payment credential, and send the sixth message to the second server 350.

[0280] Exemplarily, the third device 340 includes a barcode scanner, and the second operation is to scan the logo of the product through the barcode scanner, and the barcode scanner sends the scanned logo of the product to the product identification module 342; the product identification module 342 identifies the logo of the product to obtain product information.

[0281] Exemplarily, the third device 340 obtains the payment credential by scanning the payment credential displayed by the first device 310 using a barcode scanner.

[0282] Exemplarily, the third device 340 may also scan the logo of the commodity through a camera. The third device 340 may also scan the payment voucher through a camera.

[0283] Exemplarily, the first operation includes identifying an identifier of the commodity.

[0284] Exemplarily, the identification of the product includes: a QR code, a barcode, an NFC-Tag or a voiceprint code.

[0285] Exemplarily, the commodity information includes: commodity name, commodity category and commodity amount. For example, the commodity category includes food or stationery.

[0286] Illustratively, the first product information may be product information of one product, or may be product information of multiple products.

[0287] Exemplarily, the payment credential includes a QR code.

[0288] In the embodiment of the present invention, basic information of the commodity is defined, such as category, name, description, price, etc., and can be easily identified.

[0289] Optionally, the third device 340 sends a sixth message to the first server 330 through the second server 350 .

[0290] The second server 350 is configured to send the sixth message to the first server 330 according to the sixth message. Figure 5 As shown, the second server 350 includes a second cashier module 351. The second cashier module 351 is used to forward the sixth message to the first server 330.

[0291] The first server 330 is further configured to generate an order according to the product information, the first application account and the first identifier, and send the order information to the second device 320 according to the binding relationship between the first application account and the second application account. Figure 5 As shown, the payment order module 332 is used to generate an order according to the product information, the first application account and the first identifier, and the order information includes the product information, the first application account and the first identifier; and the order information is sent to the order reminder module 333. The order reminder module 333 is used to send the order information to the second device 320. In the embodiment of the present invention, when the third device 340 initiates the sixth message, it will also carry the product information so that the first server 230 associates the product information in the order.

[0292] Alternatively, if Figure 5 As shown, the payment system further includes a third server 360, and the third server 360 includes a commodity category management module 361. Before the first server 330 sends the order information to the second device 320, it is also used to send the commodity information to the third server 360 according to the first identifier. The commodity category management module 361 of the third server 360 is used to determine whether the commodity information hits the minors' commodity blacklist, and send the judgment result to the first server 330. The first server 330 is also used to cancel the order and send the cancellation reason of the order to the first device 310, the second device 320 and the second server 350 if the judgment result includes that the commodity information hits the minors' commodity blacklist. The second server 350 is also used to send the cancellation reason of the order to the third device 340. The first device 310, the second device 320 and the third device 340 are used to display the order cancellation and the cancellation reason. The first server 330 is also used to send the order information to the second device 320 according to the binding relationship between the first application account and the second application account if the judgment result includes that the commodity information does not hit the minors' commodity blacklist. Exemplarily, the cancellation reason is that the commodity belongs to the minors' commodity blacklist. The present invention performs commodity category inspection on the payment made by minors, intercepts blacklisted commodities and issues risk reminders; for non-blacklisted commodities, the order information continues to be sent to the second device of the parent.

[0293] Exemplarily, the third server 360 is a commodity category management system. The embodiment of the present invention supports commodity category inspection for minors' payment, interception of blacklisted commodities and risk reminder.

[0294] Optionally, the product category management module 361 may also be disposed in the first server 330 , so that the first server 330 can implement the function of checking the product category without interacting with the third server 360 .

[0295] The second device 320 is also used to display the order information interface through the second application 321 according to the order information; in response to the user's cancellation operation on the order information interface, send an order cancellation message to the first server 330. Figure 5 As shown, the second payment application module 3211 is used to send the order information to the second display module 322; the second display module 322 is used to display the order information interface; the second payment application module 3211 is also used to respond to the user's cancellation operation on the order information interface, and send an order cancellation message to the first server 330. In the present invention, if the parent does not agree to pay for the order, the payment cloud server directly cancels the order and notifies the minor's first device that the authorization fails.

[0296] The first server 330 is further configured to cancel the order according to the order cancellation message and send an authorization failure message to the first device 310. The first device 310 is further configured to display the authorization failure message. Figure 5 As shown, the payment order module 332 of the first server 330 is used to receive an order cancellation message, cancel the order according to the order cancellation message, and send an authorization failure message to the first device 310. Figure 5 As shown, the first payment application module 3112 of the first device 310 is used to receive an authorization failure message and send the authorization failure message to the first display module 312 of the first device 310; the first display module 312 is used to display the authorization failure message.

[0297] The second device 320 is further configured to send a second message to the first server 330 in response to the user's confirmation operation on the order information interface. Figure 5 As shown, the second payment application module 3211 of the second application 321 is also used to send a second message to the first server 330 in response to the user's confirmation operation on the order information interface.

[0298] The first server 330 is also used to complete the payment of the order through the second application account according to the second message and send a fourth message to the first device 310, the second device 320 and the second server 350, the fourth message including the payment result, and the payment result is a successful payment result. Figure 5As shown, the payment order module 332 of the first server 330 is used to receive the second message, complete the payment of the order through the second application account and send a fourth message to the first device 310, the second device 320 and the second server 350. In the embodiment of the present invention, the parents review the payment of the minors and share the payment account for payment.

[0299] The second server 350 is used to send the fourth message to the third device 340. Figure 5 As shown, the second server 350 includes a second cashier module 351. The second cashier module 351 is used to forward the fourth message to the first server 330.

[0300] The first device 310, the second device 320 and the third device 340 are further configured to display a payment success result according to the fourth message. Figure 5 As shown, the first payment application module 3112 of the first device 310 is used to receive the fourth message and send the fourth message to the first display module 312; the first display module 312 is used to display the payment success result according to the fourth message. Figure 5 As shown, the second payment application module 3211 of the second device 320 is used to receive the fourth message and send the fourth message to the second display module 322; the second display module 322 is used to display the payment success result. Figure 5 As shown, the first cashier module of the third device 340 is used to receive the fourth message and send the fourth message to the third display module 343 of the third device 340; the third display module 343 is used to display the payment success result.

[0301] Figure 6 for Figure 5 Schematic diagram of an application scenario of the payment system shown. For example, the first device is a children's watch, the second device is a parent's mobile phone, and the third device is a merchant's device. The first server is a payment cloud server, the second server is a merchant cloud server, and the third server is a commodity category management system. Figure 6As shown, the children's watch uses the first application account to log in to the first application and displays the account QR code; 1) The parent's mobile phone uses the second application account to log in to the second application and scans the account QR code of the children's watch through the second application to sign the contract; 2) The parent's mobile phone applies to the payment cloud server for binding the first application account and the second application account based on the first application account obtained by scanning the account QR code; 3) After the first application account and the second application account are successfully bound, the merchant device obtains the product information in response to the second operation; 4) The children's watch sends a seventh message to the payment cloud server in response to the user's operation, and the seventh message includes the first application account and the first identifier; 5) The payment cloud server generates a payment voucher based on the seventh message, and sends a third message to the children's watch, and the third message includes the payment voucher; the children's watch displays the payment voucher based on the third message; 6) The merchant device obtains the payment voucher in response to the third operation; 7) The merchant device sends a sixth message to the merchant cloud server The sixth message includes the product information and the payment credential; 8) The merchant cloud server sends the sixth message to the payment cloud server; 9) The payment cloud server generates an order based on the product information, the first application account and the first identifier, and sends the product information to the product category management system; the product category management system returns a judgment result to the payment cloud server, and the judgment result includes that the product information does not hit the blacklist of products for minors; 10) The payment cloud server queries the binding relationship between the first application account and the second application account; 11) The payment cloud server sends the order information to the parent's mobile phone based on the binding relationship between the first application account and the second application account; the parent's mobile phone displays the order information interface based on the order information, and the order information interface includes the product information; 12) The parent's mobile phone responds to the parent's confirmation operation on the order information interface and sends a second message to the payment cloud server; 13) The payment cloud server completes the payment of the order through the second application account based on the second message.

[0302] Figure 5 Compared with the daily limit payment for minors' accounts, has the experience of minors changed in the payment system shown? There are two changes for parents' experience. First, the process of recharging and withdrawing money for minors' accounts, setting daily limits, and adjusting daily limits has been removed; second, the payment application review process has been added. There is one change for merchants' experience, that is, the product definition process has been added, but the experience in the payment link has not changed.

[0303] Figure 5 In the payment system shown, the payment process is supervised and reviewed by parents; when paying, minors only need to show payment vouchers, and no longer need independent minor accounts, nor do parents need to recharge in advance, and there is no daily limit. Therefore, the embodiment of the present invention makes it simple to operate when minors pay without recharging in advance and frequently adjusting the daily limit; and it is subject to commodity category restrictions to prevent minors from purchasing harmful items.

[0304] Figure 5 The payment systems shown are Figure 3 Compared with the payment system shown, there are three differences:

[0305] Difference 1: The collection of product information is completed by the cashier when collecting the payment, not by minors.

[0306] Difference 2: Parent review is adjusted from before payment to during the payment process. The time of parent review will determine the cashier's efficiency.

[0307] Difference 3: The payment cloud server does not need to check whether the product information is consistent.

[0308] The payment by minors in the embodiment of the present invention is actually an authorized payment behavior. From the perspective of experience, the minor applies for the payment voucher of the parent, that is, the payment voucher. In this process, the efficiency of commodity information collection and parent review is the key to the experience.

[0309] based on Figure 3 The payment system shown, an embodiment of the present invention provides a payment method. Figure 7 A signaling interaction diagram of a payment method provided by an embodiment of the present invention. Figure 7 As shown, the method includes:

[0310] Step 402: The first application obtains first product information in response to the first operation.

[0311] In this step, if Figure 3 As shown, the first commodity identification module of the first application in the first device obtains the first commodity information in response to the first operation.

[0312] Step 404: The first application sends a first message to the payment order module based on the first product information. The first message includes the first application account, the first product information and the first identifier. The first identifier includes an identifier for the minor to authorize payment.

[0313] In this step, if Figure 3 As shown, the first application sends a first message to the payment order module of the first server according to the first product information, and the first message includes the first application account and the first product information.

[0314] Step 406: The payment order module parses the first message to obtain the first product information and the first application account, and generates an order. The order information includes the first product information, the first application account, and the first identifier.

[0315] In this step, if Figure 3 As shown, the payment order module of the first server parses the first product information and the first application account according to the first message, and generates an order. The order information includes the first product information, the first application account and the first identifier.

[0316] Step 408: The payment order module sends the order information to the order reminder module.

[0317] In this step, if Figure 3 As shown, the payment order module of the first server sends the order information to the order reminder module.

[0318] Step 410: The order reminder module sends the order information to the second application.

[0319] In this step, if Figure 3 As shown, the order reminder module of the first server sends the order information to the second application of the second device.

[0320] Step 412: The second application sends the order information to the second display module.

[0321] In this step, if Figure 3 As shown, the second application of the second device sends the order information to the second display module.

[0322] Step 414: The second display module displays the order information interface.

[0323] In this step, if Figure 3 As shown, the second display module of the second device displays the order information interface according to the order information.

[0324] Step 416: The second application sends a second message to the payment order module in response to the user's confirmation operation on the order information interface.

[0325] In this step, if Figure 3 As shown, the second application sends a second message to the payment order module of the first server in response to the user's confirmation operation on the order information interface.

[0326] Step 418: The payment order module sends the second message to the payment credential management module.

[0327] In this step, if Figure 3 As shown, the payment order module of the first server sends the second message to the payment credential management module.

[0328] Step 420: The payment voucher management module generates a first payment voucher for the order according to the second message.

[0329] In this step, if Figure 3 As shown, the payment voucher management module generates a first payment voucher for the order according to the second message.

[0330] Step 422: The payment credential management module sends a third message to the first application, where the third message includes the first payment credential.

[0331] In this step, if Figure 3 As shown, the payment credential management module sends a third message to the first application of the first device, and the third message includes the first payment credential.

[0332] Step 424: The first application sends the third message to the first display module.

[0333] In this step, if Figure 3 As shown, the first application sends the third message to the first display module.

[0334] Step 426: The first display module displays the first payment credential according to the third message.

[0335] In this step, if Figure 3 As shown, the first display module of the first device displays the first payment credential according to the third message.

[0336] Step 428: The second product identification module obtains second product information in response to the second operation.

[0337] In this step, if Figure 3 As shown, the second commodity identification module of the third device obtains the second commodity information in response to the second operation.

[0338] Step 430: The second commodity identification module sends the second commodity information to the first cash register module.

[0339] In this step, if Figure 3 As shown, the second commodity identification module sends the second commodity information to the first cashier module.

[0340] Step 432: The first cashier module obtains a first payment voucher in response to the third operation.

[0341] In this step, if Figure 3 As shown, the first cashier module obtains the first payment voucher in response to the third operation, and obtains the sixth message according to the second commodity information and the first payment voucher.

[0342] Step 434: The first cashier module sends a sixth message to the second cashier module, where the sixth message includes the second commodity information and the first payment voucher.

[0343] In this step, if Figure 3 As shown, the first cashier module sends the sixth message to the second cashier module of the second server.

[0344] Step 436: The second cashier module forwards the sixth message to the payment order module.

[0345] In this step, if Figure 3As shown, the second cashier module forwards the sixth message to the payment order module of the first server.

[0346] Step 438: The payment order module checks whether the second product information is consistent with the first product information of the order based on the first payment voucher. If they are consistent, the payment of the order is completed through the second application account.

[0347] In this step, if Figure 3 As shown, the payment order module checks whether the second product information is consistent with the first product information of the order. If they are consistent, the payment of the order is completed through the second application account.

[0348] Step 440: The payment order module sends a fourth message to the first application, the second application, and the second cashier module, where the fourth message includes a payment result.

[0349] In this step, if Figure 3 As shown, the payment order module of the first server sends a fourth message to the first application, the second application and the second cashier module. The fourth message includes a payment result, and the payment result is a successful payment result.

[0350] Among them, regarding the specific working processes of order authorization failure, product category supervision, etc., please refer to the corresponding processes in the aforementioned system embodiments, which will not be repeated here.

[0351] based on Figure 5 The payment system shown, the embodiment of the present invention provides another payment method. Figure 8 A signaling interaction diagram of another payment method provided by an embodiment of the present invention. Figure 8 As shown, the method includes:

[0352] Step 502: The first application sends a seventh message to the payment order module in response to the user's operation.

[0353] In this step, if Figure 5 As shown, the first application sends a seventh message to the payment order module in response to the user's operation. The seventh message carries the first application account and the first identifier logged in by the first device through the first application. The first identifier includes an identifier for the minor to authorize payment.

[0354] Step 504: The payment order module sends the seventh message to the payment credential management module.

[0355] In this step, if Figure 5 As shown, the payment order module sends the seventh message to the payment credential management module.

[0356] Step 506: The payment credential management module generates a payment credential according to the seventh message.

[0357] In this step, if Figure 5 As shown, the payment credential management module generates a payment credential according to the seventh message.

[0358] Step 508: The payment credential management module sends the payment credential to the first application.

[0359] In this step, if Figure 5 As shown, the payment credential management module sends the payment credential to the first application.

[0360] Step 510: The first application sends the payment credential to the first display module.

[0361] In this step, if Figure 5 As shown, the first application sends the payment credentials to the first display module.

[0362] Step 512: The first display module displays the payment voucher.

[0363] In this step, if Figure 5 As shown, the first display module displays the payment certificate.

[0364] Step 514: The product identification module obtains product information in response to the second operation.

[0365] In this step, if Figure 5 As shown, the commodity identification module obtains commodity information in response to the second operation.

[0366] Step 516: The commodity identification module sends the commodity information to the first cash register module.

[0367] In this step, if Figure 5 As shown, the commodity identification module sends the commodity information to the first cashier module.

[0368] Step 518: The first cashier module obtains the payment credential by scanning the payment credential displayed by the first device.

[0369] In this step, if Figure 5 As shown, the first cashier module obtains the payment credential by scanning the payment credential displayed by the first device.

[0370] Step 520: The first cashier module sends a sixth message to the second cashier module, where the sixth message includes product information and a payment voucher.

[0371] In this step, if Figure 5 As shown, the first cashier module sends the sixth message to the second cashier module.

[0372] Step 522: The second cashier module forwards the sixth message to the payment order module.

[0373] In this step, if Figure 5As shown, the second cashier module forwards the sixth message to the payment order module.

[0374] Step 524: The payment order module generates an order according to the product information, the first application account and the first identifier. The order information includes the product information, the first application account and the first identifier.

[0375] In this step, if Figure 5 As shown, the payment order module generates an order according to the product information, the first application account and the first identifier, and the order information includes the product information, the first application account and the first identifier.

[0376] Step 526: The payment order module sends the order information to the order reminder module.

[0377] In this step, if Figure 5 As shown, the payment order module sends the order information to the order reminder module.

[0378] Step 528: The order reminder module sends the order information to the second application.

[0379] In this step, if Figure 5 As shown, the order reminder module sends the order information to the second application.

[0380] Step 530: The second application sends the order information to the second display module.

[0381] In this step, if Figure 5 As shown, the second application sends the order information to the second display module.

[0382] Step 532: The second display module displays the order information interface.

[0383] In this step, if Figure 5 As shown, the second display module displays the order information interface.

[0384] Step 534: The second application sends a second message to the payment order module in response to the user's confirmation operation on the order information interface.

[0385] In this step, if Figure 5 As shown, the second application sends a second message to the payment order module in response to the user's confirmation operation on the order information interface.

[0386] Step 536: The payment order module completes payment of the order through the second application account according to the second message.

[0387] In this step, if Figure 5 As shown, the payment order module completes the payment of the order through the second application account according to the second message.

[0388] Step 538: The payment order module sends a fourth message to the first application, the second application, and the second cashier module.

[0389] In this step, if Figure 5 As shown, the payment order module sends a fourth message to the first application, the second application and the second cashier module, and the fourth message includes the payment result.

[0390] Among them, regarding the specific working processes of order authorization failure, product category supervision, etc., please refer to the corresponding processes in the aforementioned system embodiments, which will not be repeated here.

[0391] based on Figure 3 The payment system shown, an embodiment of the present invention provides a payment method. Fig. 9 A flow chart of a payment method provided by an embodiment of the present invention. Fig. 9 As shown, the method includes:

[0392] Step 610: The first device obtains first product information in response to the first operation, and sends a first message to the first server through the first application based on the first product information. The first message includes the first application account, the first product information and the first identifier, and the first identifier includes an identifier for the minor to authorize payment.

[0393] Exemplarily, the first operation includes identifying an identifier of the commodity.

[0394] Exemplarily, the identification of the product includes: a QR code, a barcode, an NFC-Tag or a voiceprint code.

[0395] Exemplarily, the commodity information includes: commodity name, commodity category and commodity amount. For example, the commodity category includes food or stationery.

[0396] Step 612: The first server generates an order according to the first message.

[0397] Exemplarily, the order information includes a first application account, first product information, and a first identifier.

[0398] Step 614: The first server sends the order information to the second device according to the binding relationship between the first application account and the second application account.

[0399] Step 616: The second device displays an order information interface based on the order information.

[0400] Optionally, the first message and order information also include device information of the first device; the order information is also used by the second device to determine whether the first device and the second device are in a binding relationship based on the device information of the first device, and to display whether the first device and the second device are in a binding relationship on the order information interface. The embodiment of the present invention binds the application account of a minor to the application account of the parent, and binds the device of the minor to the device of the parent, thereby preventing the minor from using other devices to log in to the first application account.

[0401] Step 618: The second device sends a second message to the first server in response to the user's confirmation operation on the order information interface.

[0402] Step 620: The first server generates a first payment credential for the order according to the second message, and sends a third message to the first device, where the third message includes the first payment credential.

[0403] Exemplarily, the payment credential includes a QR code.

[0404] Step 622: The first device displays the first payment credential according to the third message.

[0405] Step 624: The third device obtains the second product information in response to the second operation, obtains the first payment credential in response to the third operation, and sends a sixth message to the first server, where the sixth message includes the second product information and the first payment credential.

[0406] In some possible embodiments, the third device sends the sixth message to the first server through the second server.

[0407] Step 626: The first server checks whether the second product information is consistent with the first product information based on the first payment voucher. If they are consistent, the payment of the order is completed through the second application account and a fourth message is sent to the first device, where the fourth message includes a successful payment result.

[0408] Step 628: The first device displays a payment success result. The process ends.

[0409] Optionally, step 624 also includes: steps 630 to 632.

[0410] Step 630: The first server checks whether the second product information is consistent with the first product information of the order. If they are inconsistent, the payment order is rejected and a fourth message is sent to the first device, where the fourth message includes a payment failure result.

[0411] Step 632: The first device displays a payment failure result. The process ends.

[0412] Optionally, before step 610, the following steps are also included: step 602 to step 608.

[0413] Step 602: The first device logs in to the first application account through the first application; and displays the account QR code of the first application account through the first application.

[0414] Step 604: The second device scans the account QR code of the first application account displayed on the first device through the second application to obtain the first application account; and sends a registration request to the first server according to the first application account and the second application account logged in with the second application.

[0415] Exemplarily, the registration request is used to register a binding relationship between the first application account and the second application account.

[0416] Optionally, the second device scans the account QR code of the first application account displayed on the first device through the second application to obtain the first device information of the first device; the registration request is also used to register the binding relationship between the first device and the second device.

[0417] Step 606: The first server binds the first application account and the second application account according to the registration request, and sends a fifth message to the first device and the second device.

[0418] The fifth message includes a message indicating that the first application account and the second application account are successfully bound.

[0419] Optionally, the first server is further configured to bind the first device to the second device according to the registration request. The fifth message also includes a message indicating that the first device and the second device are successfully bound.

[0420] Step 608: The first device and the second device display a fifth message.

[0421] Optionally, step 612 further includes: step 613a to step 613e.

[0422] Step 613a: The first server obtains the first product information according to the first message; and sends the first product information to the third server according to the first identifier.

[0423] Step 613b, the third server determines whether the first product information hits the blacklist of products for minors, and sends the determination result to the first server. If the determination result includes that the first product information hits the blacklist of products for minors, execute step 613c; if the determination result includes that the first product information does not hit the blacklist of products for minors, continue to execute step 614.

[0424] Step 613c: The first server cancels the order and sends the reason for canceling the order to the first device, the second device, and the second server.

[0425] Step 613d: The second server sends the reason for canceling the order to the third device.

[0426] Step 613e: The first device, the second device, and the third device display the order cancellation and the cancellation reason according to the order cancellation reason. The process ends.

[0427] Optionally, the first server obtains the first product information based on the first message, and determines whether the first product information hits the blacklist of products for minors. If it is determined that the first product information hits the blacklist of products for minors, execute step 613c; if it is determined that the first product information does not hit the blacklist of products for minors, continue to execute step 614.

[0428] Optionally, after step 616, the following steps are also included: step 617a to step 617c.

[0429] Step 617a: The second device sends an order cancellation message to the first server in response to the user's cancellation operation on the order information interface.

[0430] Step 617b: The first server cancels the order according to the order cancellation message and sends an authorization failure message to the first device.

[0431] Step 617c: The first device displays an authorization failure message. The process ends.

[0432] In the technical solution of the payment method provided in the embodiment of the present invention, the payment method includes: the first device obtains the first commodity information in response to the first operation, and sends the first message to the first server through the first application according to the first commodity information, the first message includes the first application account, the first commodity information and the first identifier, and the first identifier includes the identifier of the minor's authorization to pay; the first server generates an order according to the first message, and sends the order information to the second device according to the binding relationship between the first application account and the second application account; the second device displays the order information interface through the second application according to the order information; in response to the user's confirmation operation on the order information interface, sends a second message to the first server; the first server generates a first support for the order according to the second message The third device obtains the second product information in response to the second operation, obtains the first payment certificate in response to the third operation, and sends a sixth message to the second server, the sixth message including the second product information and the first payment certificate; the second server sends a sixth message to the first server based on the sixth message; the first server verifies whether the second product information is consistent with the first product information of the order based on the first payment certificate. If they are consistent, the payment of the order is completed through the second application account and a fourth message is sent to the first device, the fourth message including the payment result, so that the payment of minors does not need to be recharged in advance and the daily quota is frequently adjusted, and the operation is simple.

[0433] based on Figure 3 The payment system shown, an embodiment of the present invention provides a payment method applied to a first device. Fig.10 A flow chart of a payment method provided by an embodiment of the present invention. Fig.10 As shown, the method includes:

[0434] Step C02: The first device obtains first product information in response to the first operation, and sends a first message to the first server through the first application based on the first product information. The first message includes the first application account, the first product information and the first identifier, and the first identifier includes an identifier for the minor to authorize payment.

[0435] Step C04: receiving a third message sent by the first server, where the third message includes the first payment credential, and displaying the first payment credential according to the third message.

[0436] Step C06: Receive a fourth message sent by the first server, where the fourth message includes a payment result.

[0437] Step C08: Display the payment result according to the fourth message.

[0438] In the technical solution of the payment method provided by an embodiment of the present invention, the payment method includes: a first device obtains first product information in response to a first operation, and sends a first message to a first server through a first application based on the first product information, the first message including a first application account, first product information and a first identifier, the first identifier including an identifier for authorized payment by a minor; receiving a third message sent by the first server, the third message including a first payment voucher, and displaying the first payment voucher according to the third message; receiving a fourth message sent by the first server, the fourth message including a payment result, and displaying the payment result according to the fourth message, so that the payment of minors does not require advance recharge and frequent adjustment of the daily quota, and the operation is simple.

[0439] based on Figure 5 The payment system shown, an embodiment of the present invention provides a payment method. Fig.11 A flow chart of another payment method provided by an embodiment of the present invention. Fig.11 As shown, the method includes:

[0440] Step 710: The third device obtains product information in response to the second operation, and obtains the payment credential by scanning the payment credential displayed by the first device, where the payment credential carries the first application account logged in by the first device through the first application.

[0441] The payment credential displayed by the first device is generated by the first server based on the seventh message sent by the first device. The seventh message includes the first application account and the first identifier. The first identifier includes an identifier for the minor to authorize payment.

[0442] Step 712: The third device sends a sixth message to the second server, where the sixth message includes the commodity information and the payment voucher. Optionally, the payment voucher carries the first identifier.

[0443] Step 714: The second server sends the sixth message to the first server according to the sixth message.

[0444] Step 716: The first server generates an order according to the product information, the first application account and the first identifier.

[0445] Step 718: The first server sends the order information to the second device according to the binding relationship between the first application account and the second application account.

[0446] Step 720: The second device displays an order information interface through a second application according to the order information.

[0447] Optionally, the payment voucher and order information also include device information of the first device; the order information is also used by the second device to determine whether the first device and the second device are in a binding relationship based on the device information of the first device, and to display whether the first device and the second device are in a binding relationship on the order information interface. The embodiment of the present invention binds the application account of a minor to the application account of the parent, and binds the device of the minor to the device of the parent, thereby preventing the minor from using other devices to log in to the first application account.

[0448] Step 722: The second device sends a second message to the first server in response to the user's confirmation operation on the order information interface.

[0449] Step 724: The first server completes payment for the order through the second application account according to the second message and sends a fourth message to the first device, where the fourth message includes a payment success result.

[0450] Step 726: The first device displays a payment success result. The process ends.

[0451] Optionally, step 720 also includes: step 728 to step 732.

[0452] Step 728: The second device sends an order cancellation message to the first server in response to the user's cancellation operation on the order information interface.

[0453] Step 730: The first server cancels the order according to the order cancellation message, and sends an authorization failure message to the first device.

[0454] Step 732: The first device displays an authorization failure message. The process ends.

[0455] Optionally, before step 710, the following steps are also included: step 702 to step 708.

[0456] Step 702: The first device logs in to the first application account through the first application; and displays the account QR code of the first application account through the first application.

[0457] Step 704: The second device scans the account QR code of the first application account displayed on the first device through the second application to obtain the first application account; and sends a registration request to the first server according to the first application account and the second application account logged in by the second application.

[0458] Exemplarily, the registration request is used to register a binding relationship between the first application account and the second application account.

[0459] Optionally, the second device scans the account QR code of the first application account displayed on the first device through the second application to obtain the first device information of the first device; the registration request is also used to register the binding relationship between the first device and the second device.

[0460] Step 706: The first server binds the first application account and the second application account according to the registration request, and sends a fifth message to the first device and the second device.

[0461] The fifth message includes a message indicating that the first application account and the second application account are successfully bound.

[0462] Optionally, the first server is further configured to bind the first device to the second device according to the registration request. The fifth message also includes a message indicating that the first device and the second device are successfully bound.

[0463] Step 708: The first device and the second device display a fifth message.

[0464] Optionally, step 716 further includes: step 717a to step 717e.

[0465] Step 717a: The first server sends the product information to the third server according to the first identifier.

[0466] Step 717b: The third server determines whether the product information hits the blacklist of products for minors, and sends the determination result to the first server. If the determination result includes that the product information hits the blacklist of products for minors, execute step 717c; if the determination result includes that the product information does not hit the blacklist of products for minors, continue to execute step 718.

[0467] Step 717c: The first server cancels the order and sends the reason for canceling the order to the first device, the second device, and the second server.

[0468] Step 717d: The second server sends the reason for canceling the order to the third device.

[0469] Step 717e: The first device, the second device, and the third device display the order cancellation and the cancellation reason according to the order cancellation reason. The process ends.

[0470] Optionally, the first server determines whether the product information hits the blacklist of products for minors based on the product information. If it is determined that the product information hits the blacklist of products for minors, execute step 717c; if it is determined that the product information does not hit the blacklist of products for minors, continue to execute step 718.

[0471] In the technical solution of the payment method provided by the embodiment of the present invention, the payment method includes: the first device sends a seventh message to the first server in response to the user's operation, the seventh message carries the first application account and the first identifier logged in by the first device through the first application, and the first identifier includes the identifier of the minor's authorization to pay; the first server generates a payment voucher according to the seventh message, and sends the payment voucher to the first device; the first device displays the payment voucher through the first application; the third device obtains the product information in response to the second operation, obtains the payment voucher by scanning the payment voucher displayed by the first device, and sends a sixth message to the second server, the sixth message includes the product information and the payment voucher; the second server sends the sixth message to the first server according to the sixth message; the first server generates an order according to the product information, the first application account and the first identifier, and sends the order information to the second device according to the binding relationship between the first application account and the second application account; the second device displays the order information interface through the second application according to the order information, and sends the second message to the first server in response to the user's confirmation operation on the interface; the first server completes the payment of the order through the second application account according to the second message and sends a fourth message to the first device, the fourth message includes the payment result, so that the payment of the minor does not need to be recharged in advance and the daily quota is frequently adjusted, and the operation is simple.

[0472] Fig.12 This is a schematic diagram of the structure of a first device provided in an embodiment of the present invention. It should be understood that the first device 800 can execute the above Fig. 9 To avoid repetition, the various steps of the first device in the payment method are not described in detail here. The first device 800 includes: a first processing unit 801 , a first transceiver unit 802 and a first display unit 803 .

[0473] The first processing unit 801 is configured to obtain first commodity information by identifying a commodity identifier.

[0474] The first transceiver unit 802 is used to send a first message to the first server through the first application based on the first product information, the first message carrying the first application account, the first product information and the first identifier, the first identifier including the identifier of the minor's authorized payment; and receive a third message sent by the first server, the third message including the first payment voucher of the order.

[0475] The first display unit 803 is configured to display the first payment credential according to the third message.

[0476] The first transceiver unit 802 is further configured to receive a fourth message sent by the first server, wherein the fourth message includes a payment result;

[0477] The first display unit 803 is further configured to display the payment result according to the fourth message.

[0478] Optionally, the first message is used for the first server to generate an order, and according to the binding relationship between the first application account and the second application account, the order information is sent to the second device, and a second message sent by the second device is received;

[0479] The order information includes the first application account, the first product information and the first identifier;

[0480] The order information is used by the second device to display an order information interface according to the order information, and the order information interface includes the first product information.

[0481] Optionally, the commodity information includes: commodity name, commodity category and commodity amount.

[0482] Optionally, the payment result includes a payment success result or a payment failure result;

[0483] The successful payment result is a payment result generated after the first server verifies that the second product information is consistent with the first product information of the order and completes the payment of the order through the second application account;

[0484] The payment failure result is a payment result generated after the first server verifies that the second product information is inconsistent with the first product information of the order and refuses to pay for the order.

[0485] Optionally, before obtaining the product information in response to the first operation, the first processing unit 801 is further configured to: log in to the first application account through the first application;

[0486] The first display unit 803 is further configured to display an account QR code of the first application account through the first application;

[0487] The first transceiver unit 802 is further configured to receive a fifth message in response to the second device scanning the account QR code through the second application, where the fifth message includes a message indicating that the first application account is successfully bound to the second application account.

[0488] Optionally, the first message also includes a second application account.

[0489] Optionally, the second application account is an application account selected by the user from a plurality of application accounts bound to the first application account and displayed by the first application.

[0490] Optionally, the second application account is an account used to log in to the second application.

[0491] Optionally, the payment credential includes a QR code.

[0492] Optionally, the fifth message also includes a message indicating that the first device and the second device are successfully bound.

[0493] Optionally, the first message and the order information further include device information of the first device;

[0494] The order information is also used by the second device to determine whether the first device and the second device are in a binding relationship based on the device information of the first device, and to display whether the first device and the second device are in a binding relationship on the order information interface.

[0495] Fig.13 This is a schematic diagram of the structure of a first server provided in an embodiment of the present invention. It should be understood that the first server 900 can execute the above Fig. 9 The various steps of the first server in the payment method shown are not described in detail here to avoid repetition. The first server 900 includes: a second processing unit 901 and a second transceiver unit 902.

[0496] The second transceiver unit 902 is used to receive a first message sent by a first device;

[0497] The second processing unit 901 is used to generate an order according to the first message, where the first message includes a first application account and first product information;

[0498] The second transceiver unit 902 is further configured to send the order information to the second device according to the binding relationship between the first application account and the second application account, and the order information is used by the second device to display an order information interface according to the order information; receive a second message, which is a message generated by the second device in response to a user's confirmation operation on the order information interface;

[0499] The second processing unit 901 is further configured to generate a first payment voucher for the order according to the second message;

[0500] The second transceiver unit 902 is further used to send a third message to the first device, where the third message includes the first payment credential, and the third message is used for the first device to display the first payment credential according to the third message;

[0501] The second processing unit 901 is further used to check whether the second product information is consistent with the first product information of the order according to the first payment voucher, and if they are consistent, complete the payment of the order through the second application account;

[0502] The second transceiver unit 902 is further configured to send a fourth message to the first device, where the fourth message includes a payment result.

[0503] Optionally, before receiving the first message sent by the first device, the second transceiver unit 902 is further used to receive a registration request sent by the second device, where the registration request is used to register a binding relationship between the first application account and the second application account;

[0504] The second processing unit 901 is further configured to bind the first application account and the second application account according to the registration request;

[0505] The second transceiver unit 902 is further configured to send a fifth message to the first device and the second device, where the fifth message includes a message indicating that the first application account and the second application account are successfully bound.

[0506] Optionally, the registration request is also used to register a binding relationship between the first device and the second device; the fifth message also includes a message that the first device and the second device are successfully bound;

[0507] The second processing unit 901 is further configured to bind the first device and the second device according to the registration request.

[0508] Optionally, before the second transceiver unit 902 sends the order information to the second device according to the binding relationship between the first application account and the second application account, the second processing unit 901 further obtains the first product information according to the first message;

[0509] Determine whether the first product information hits the minors' product blacklist according to the first identifier; if it is determined that the first product information hits the minors' product blacklist, cancel the order; the second transceiver unit 902 is also used to send the reason for canceling the order to the second device;

[0510] The second transceiver unit 902 is also used to send the order information of the order to the second device according to the binding relationship between the first application account and the second application account if it is determined that the first product information does not hit the blacklist of products for minors.

[0511] Optionally, before the second processing unit 901 verifies whether the second product information is consistent with the first product information of the order, the second processing unit 901 is also used to receive a sixth message sent by a third device, and the sixth message includes the first payment credential and the second product information.

[0512] Fig.14 This is a schematic diagram of the structure of a second device provided in an embodiment of the present invention. It should be understood that the second device A00 can perform the above Fig. 9 To avoid repetition, the steps of the second device in the payment method are not described in detail here. The second device A00 includes: a third processing unit A01, a third transceiver unit A02 and a second display unit A03.

[0513] The third transceiver unit A02 is used to receive order information sent by the first server according to the binding relationship between the first application account and the second application account, wherein the order information includes first product information, the first application account and the first identifier, and the first identifier includes an identifier of the minor authorizing payment;

[0514] The second display unit A03 is used to display the order information interface through the second application according to the order information;

[0515] The third transceiver unit A02 is also used to send a second message to the first server in response to the user's confirmation operation on the order information interface, and the second message is used by the first server to generate a first payment credential for the order according to the second message and send a third message to the first device, and the third message includes the first payment credential.

[0516] Optionally, the first application account is an account used by the first device to log in through the first application; the second application account is an account used by the second device to log in through the second application.

[0517] Optionally, the first application and the second application are the same or different applications.

[0518] Optionally, before the third transceiver unit A02 receives the order information sent by the first server according to the binding relationship between the first application account and the second application account, the third processing unit A01 is used to scan the account QR code of the first application account displayed by the first device through the second application to obtain the first application account;

[0519] The third transceiver unit A02 is also used to send a registration request to the first server according to the first application account and the second application account logged in by the second application, wherein the registration request is used to register the binding relationship between the first application account and the second application account; and receive a fifth message sent by the first server, wherein the fifth message includes a message that the first application account and the second application account are successfully bound.

[0520] Optionally, the third processing unit A01 scans the account QR code of the first application account displayed by the first device through the second application, and after obtaining the first application account, is further used to obtain device information of the first device;

[0521] The registration request is also used by the second device to register the binding relationship between the first device and the second device to the first server according to the device information of the first device and the device information of the second device; the fifth message includes a message that the first device and the second device are successfully bound.

[0522] Fig.15 This is a schematic diagram of the structure of a third device provided in an embodiment of the present invention. It should be understood that the third device B00 can execute the above Fig. 9 To avoid repetition, the steps of the third device in the payment method are not described in detail here. The third device B00 includes: a fourth processing unit B01 and a fourth transceiver unit B02.

[0523] The fourth processing unit B01 is used to obtain the second commodity information in response to the second operation; and obtain the first payment voucher in response to the third operation;

[0524] The fourth transceiver unit B02 is used to send a sixth message to the first server, and the sixth message includes the second product information and the first payment credential; the sixth message is used by the first server to verify whether the second product information is consistent with the first product information of the order based on the first payment credential of the order, and the first identifier includes an identifier for authorized payment by a minor.

[0525] Optionally, the fourth transceiver unit B02 is specifically configured to send the sixth message to the first server through the second server.

[0526] It should be understood that the first device 800, the first server 900, the second device A00, and the third device B00 are embodied in the form of functional units. The term "unit" here can be implemented in the form of software and / or hardware, and is not specifically limited to this. For example, a "unit" can be a software program, a hardware circuit, or a combination of the two that implements the above functions. The hardware circuit may include an application specific integrated circuit (ASIC), an electronic circuit, a processor (such as a shared processor, a proprietary processor, or a group processor, etc.) and a memory for executing one or more software or firmware programs, a merged logic circuit, and / or other suitable components that support the described functions.

[0527] Therefore, the units of each example described in the embodiments of the present invention can be implemented by electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0528] The embodiment of the present application provides a device, which may be a terminal device or a circuit device built into the terminal device. The device may be used to execute the functions / steps in the above method embodiment.

[0529] An embodiment of the present application provides a readable storage medium, in which instructions are stored. When the instructions are executed on a terminal device, the device executes the functions / steps in the above method embodiment.

[0530] The embodiment of the present application also provides a program product including instructions, which, when executed on a device or at least one processor, enables the device to execute the functions / steps in the above method embodiment.

[0531] In the embodiments of the present application, "at least one" refers to one or more, and "plurality" refers to two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can represent the existence of A alone, the existence of A and B at the same time, and the existence of B alone. Among them, A and B can be singular or plural. The character " / " generally indicates that the previous and subsequent associated objects are in an "or" relationship. "At least one of the following" and similar expressions refer to any combination of these items, including any combination of single or plural items. For example, at least one of a, b and c can be represented by: a, b, c, ab, ac, bc, or abc, where a, b, c can be single or multiple.

[0532] Those of ordinary skill in the art will appreciate that the various units and algorithm steps described in the embodiments disclosed herein can be implemented in a combination of electronic hardware, computer software, and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0533] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0534] In several embodiments provided in the present application, any function can be stored in a computer-readable storage medium if it is implemented in the form of a software functional unit and sold or used as an independent product. Based on this understanding, the technical solution of the present application can be essentially or partly embodied in the form of a software product that contributes to the prior art. The computer software product is stored in a storage medium, including several instructions for enabling a device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0535] The above is only a specific implementation of the present application. Any person skilled in the art can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. The protection scope of the present application should be based on the protection scope of the claims.

Claims

1. A payment method, characterized in that: Applied to a payment system, the method comprises: The first device obtains first product information in response to the first operation, and sends a first message to the first server through the first application according to the first product information, wherein the first message includes the first application account, the first product information, and a first identifier, wherein the first identifier includes an identifier of the minor authorizing payment; The first server generates an order according to the first message, and sends information about the order to the second device according to a binding relationship between the first application account and the second application account; The second device displays an order information interface through a second application according to the order information; and sends a second message to the first server in response to a user's confirmation operation on the order information interface; The first server generates a first payment credential for the order according to the second message, and sends a third message to the first device, where the third message includes the first payment credential for the order; The first device displays the first payment credential according to the third message; The third device obtains the second commodity information in response to the second operation, obtains the first payment credential in response to the third operation, and sends a sixth message to the first server, where the sixth message includes the second commodity information and the first payment credential; The first server checks whether the second product information is consistent with the first product information of the order according to the first payment voucher, and if they are consistent, completes the payment of the order through the second application account and sends a fourth message to the first device, wherein the fourth message includes the payment result; The first device displays the payment result according to the fourth message.

2. The method according to claim 1, characterized in that The third device sending the sixth message to the first server includes: the third device sending the sixth message to the first server through the second server.

3. A payment method, characterized in that: Applied to a first device, the method includes: In response to the first operation, obtaining first product information; According to the first commodity information, a first message is sent to a first server through a first application, wherein the first message includes a first application account, the first commodity information, and a first identifier, wherein the first identifier includes an identifier of a minor authorizing payment; receiving a third message sent by the first server, the third message including a first payment credential for an order, and displaying the first payment credential according to the third message; A fourth message sent by the first server is received, where the fourth message includes a payment result, and the payment result is displayed according to the fourth message.

4. The method according to claim 3, characterized in that: The first message is used by the first server to generate an order, and send information of the order to the second device according to the binding relationship between the first application account and the second application account; The order information includes the first application account, the first product information and the first identifier; the order information is used by the second device to display an order information interface according to the order information, and the order information interface includes the first product information.

5. The method according to claim 3 or 4, characterized in that: The commodity information includes: commodity name, commodity category and commodity amount.

6. The method according to any one of claims 3 to 5, characterized in that: The payment result includes a payment success result or a payment failure result; The successful payment result is a payment result generated after the first server verifies that the second product information is consistent with the first payment voucher of the order and completes the payment of the order through the second application account; The payment failure result is a payment result generated after the first server verifies that the second product information is inconsistent with the first product information of the order and refuses to pay for the order.

7. The method according to any one of claims 3 to 6, characterized in that: The first message also includes a second application account.

8. The method according to claim 7, characterized in that The second application account is an application account selected by the user from a plurality of application accounts bound to the first application account and displayed by the first application.

9. The method according to any one of claims 3 to 8, characterized in that: The payment voucher includes a QR code.

10. The method according to any one of claims 4 to 9, characterized in that: The first message and the order information also include device information of the first device; The order information is also used by the second device to determine whether the first device and the second device are in a binding relationship based on the device information of the first device, and to display whether the first device and the second device are in a binding relationship on the order information interface.

11. A payment method, characterized in that: Applied to a first server, the method comprises: receiving a first message sent by a first device, and generating an order according to the first message, wherein the first message includes a first application account, first product information, and a first identifier, wherein the first identifier includes an identifier of a minor authorizing payment; According to the binding relationship between the first application account and the second application account, the order information is sent to the second device, and the order information is used by the second device to display an order information interface according to the order information; receiving a second message, where the second device generates a first payment voucher for the order in response to a confirmation operation of the user on the order information interface; generating a first payment voucher for the order according to the second message, and sending a third message to the first device, where the third message includes the first payment voucher, and the third message is used by the first device to display the first payment voucher according to the third message; Based on the first payment voucher, check whether the second product information is consistent with the first product information of the order. If they are consistent, complete the payment of the order through the second application account and send a fourth message to the first device, wherein the fourth message includes the payment result.

12. The method according to claim 11, characterized in that Before sending the order information to the second device according to the binding relationship between the first application account and the second application account, the method further includes: According to the first message, obtain the first commodity information; According to the first identifier, determining whether the first product information matches a blacklist of products for minors; If it is determined that the first product information hits the blacklist of products for minors, cancel the order and send the reason for canceling the order to the second device; If it is determined that the first product information does not hit the blacklist of products for minors, the order information of the order is sent to the second device according to the binding relationship between the first application account and the second application account.

13. The method according to claim 11 or 12, characterized in that: Before checking whether the second product information is consistent with the first product information of the order, the method further includes: A sixth message sent by a third device is received, where the sixth message includes the first payment credential and the second commodity information.

14. A payment method, characterized in that: Applied to the second device, the method includes: Receiving order information sent by the first server according to the binding relationship between the first application account and the second application account, the order information including first product information, the first application account and the first identifier, the first identifier including an identifier of the minor authorizing payment; According to the order information, displaying an order information interface through a second application; In response to the user's confirmation operation on the order information interface, a second message is sent to the first server, the second message is used by the first server to generate a first payment credential for the order based on the second message and send a third message to the first device, the third message including the first payment credential.

15. A payment method, characterized in that: Applied to a third device, the method includes: obtaining second product information in response to a second operation; obtaining a first payment credential in response to a third operation; A sixth message is sent to the first server, wherein the sixth message includes the second product information and the first payment credential; the sixth message is used by the first server to verify whether the second product information is consistent with the first product information of the order based on the first payment credential, and the first identifier includes an identifier for authorized payment by a minor.

16. The method according to claim 15, characterized in that The sending the sixth message to the first server includes: The sixth message is sent to the first server through the second server.

17. A payment method, characterized in that: Applied to a payment system, the method comprises: In response to the user's operation, the first device sends a seventh message to the first server, where the seventh message carries a first application account and a first identifier logged in by the first device through the first application, where the first identifier includes an identifier of the minor authorizing payment; The first server generates a payment credential according to the seventh message and sends the payment credential to the first device; The first device displays the payment credential via the first application; The third device obtains the product information in response to the second operation, obtains the payment credential by scanning the payment credential displayed by the first device, and sends a sixth message to the first server, where the sixth message includes the product information and the payment credential; The first server generates an order according to the product information, the first application account and the first identifier, and sends the order information to the second device according to the binding relationship between the first application account and the second application account; The second device displays an order information interface through a second application according to the order information; and sends a second message to the first server in response to a user's confirmation operation on the order information interface; The first server completes payment for the order through the second application account according to the second message and sends a fourth message to the first device, where the fourth message includes a payment result; The first device displays the payment result according to the fourth message.

18. A payment method, characterized in that: Applied to the second device, the method includes: Receiving order information sent by the first server according to the binding relationship between the first application account and the second application account, the order information including product information, the first application account and a first identifier, the first identifier including an identifier of the minor authorizing payment; According to the order information, displaying an order information interface through a second application, wherein the order information interface includes product information; In response to the user's confirmation operation on the order information interface, a second message is sent to the first server, and the second message is used by the first server to generate a payment credential for the order according to the second message and send the payment credential to the first device.

19. A device, characterized in that The invention comprises a processor and a memory, wherein the memory is used to store a program, the program comprises program instructions, and when the processor runs the program instructions, the device executes the steps as described in any one of claims 3 to 10, or the steps as described in any one of claims 11 to 13, or the steps as described in claim 14, or the steps as described in any one of claims 15 to 16, or the steps as described in claim 18.

20. A readable storage medium, characterized in that: The readable storage medium stores a program, which includes program instructions, and when the program request is executed by the device, the device executes the method as described in any one of claims 3-10, or the method as described in any one of claims 11-13, or the method as described in claim 14, or the method as described in any one of claims 15-16, or the method as described in claim 18.

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