Payment method and device and storage medium

Abstract

One or more embodiments of the present specification provide a payment method, a payment device and a storage medium, the payment device comprising a near field communication module, when the payment method is applied to the payment device, a minimum distance between a target device and the near field communication module can be obtained, the target equipment is terminal equipment which is close to payment equipment and triggers payment operation; further, when it is determined that the minimum distance is smaller than or equal to a first preset distance, the near field communication function of the near field communication module can be started, and the first preset distance is smaller than the communication distance of the near field communication module; therefore, payment can be carried out through the near field communication module.

Description

[0001] This application is a divisional application of the invention application with the application date of August 2, 2024, the application number of 202411066705.3, and the invention name of "Payment Method, Device and Storage Medium". Technical Field

[0002] One or more embodiments of this specification relate to the technical field of payment, and particularly to a payment method, device and storage medium. Background Art

[0003] With the popularization of near field communication (NFC) technology, more and more mobile terminals (such as smart phones, smart watches, etc.) have the NFC function. The so-called NFC refers to the transmission of information through the electromagnetic induction coupling method in the wireless frequency part of the spectrum. In applications, it is not only low-cost but also very convenient. Especially in the payment field, by using NFC technology on traditional payment devices such as card readers and card swipers, users only need to touch or approach a mobile terminal with NFC function to the payment device to complete the payment, and the whole process is simple and fast.

[0004] However, due to the diversification of payment methods, in the same payment device, there may be interference in recognition between the payment method based on the NFC function and other payment methods. Summary of the Invention

[0005] One or more embodiments of this specification provide a payment method, device and storage medium to solve the problem of mutual interference between the payment method based on the NFC function and other payment methods in the payment device.

[0006] In a first aspect, one or more embodiments of this specification provide a payment method for a payment device, where the payment device includes a near field communication module, and the method includes: obtaining the minimum distance between a target device and the near field communication module; the target device is a terminal device that approaches the payment device and triggers a payment operation; when the minimum distance is less than or equal to a first preset distance, enabling the near field communication function of the near field communication module; the first preset distance is less than the communication distance of the near field communication module; and performing payment based on the near field communication module.

[0007] In an optional embodiment, the near field communication module includes a sensor; obtaining the minimum distance between the target device and the near field communication module includes: obtaining the minimum distance between the target device and the near field communication module through the sensor.

[0008] In an alternative embodiment, performing payment based on the near field communication module includes: sending tag information including payment access information to the target device through the near field communication module, so that the target device sends an authorization request to a server associated with the payment access information based on the tag information; receiving payment identification information issued by the server based on the authorization request; the payment identification information includes a payment identification of a payment account corresponding to the target device; and initiating a payment request to the server according to the payment identification information to complete the payment.

[0009] In an alternative embodiment, performing payment based on the near field communication module includes: sending tag information including payment access information and collection identification information to the target device through the near field communication module, so that the target device sends a payment identification acquisition request to a server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server and completes the payment according to information including the payment identification returned by the server based on the payment identification acquisition request and the collection identification information.

[0010] In an alternative embodiment, the payment device further includes a code scanning module, and the method further includes: in a case where the minimum distance is greater than the first preset distance and the code scanning module is triggered, performing payment through the code scanning module.

[0011] In an alternative embodiment, a first contact surface for near field induction in the near field communication module and a second contact surface for code scanning induction in the code scanning module face the same direction, and the two are separated by a second preset distance in height; the second preset distance is less than or equal to the communication distance of the near field communication module, and the second preset distance is greater than the first preset distance.

[0012] In an alternative embodiment, a first contact surface for near field induction in the near field communication module and a second contact surface for code scanning induction in the code scanning module are coplanar, and the adjacent edges of the two are separated by a second preset distance; the second preset distance is less than or equal to the communication distance of the near field communication module, and the second preset distance is greater than the first preset distance.

[0013] In an alternative embodiment, when the payment device is used for payment facing the user, the near field communication module is located at an end close to the user, and the code scanning module is located at an end far from the user.

[0014] In a second aspect, one or more embodiments of the present disclosure provide a payment device, including: a near-field communication module and a processor; the processor is configured to: obtain the minimum distance between a target device and the near-field communication module; the target device is a terminal device that approaches the payment device and triggers a payment operation; when the minimum distance is less than or equal to a first preset distance, enable the near-field communication function of the near-field communication module; the first preset distance is less than the communication distance of the near-field communication module; perform payment based on the near-field communication module.

[0015] In an optional embodiment, the near-field communication module includes a sensor; when the processor obtains the minimum distance between the target device and the near-field communication module, it is configured to: the processor is configured to obtain the minimum distance between the target device and the near-field communication module through the sensor.

[0016] In an optional embodiment, when the processor performs payment based on the near-field communication module, it is configured to: send tag information including payment access information to the target device through the near-field communication module, so that the target device sends an authorization request to a server associated with the payment access information based on the tag information; receive payment identification information issued by the server based on the authorization request; the payment identification information includes a payment identification of a payment account corresponding to the target device; initiate a payment request to the server according to the payment identification information to complete the payment.

[0017] In an optional embodiment, when the processor performs payment based on the near-field communication module, it is configured to: send tag information including payment access information and collection identification information to the target device through the near-field communication module, so that the target device sends a payment identification acquisition request to a server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server and completes the payment according to the information including the payment identification returned by the server based on the payment identification acquisition request and the collection identification information.

[0018] In an optional embodiment, the payment device further includes a barcode scanning module, and the processor is further configured to: when the minimum distance is greater than the first preset distance and the barcode scanning module is triggered, perform payment through the barcode scanning module.

[0019] In an optional embodiment, a first contact surface for near-field induction in the near-field communication module and a second contact surface for barcode scanning induction in the barcode scanning module face the same direction, and the two are separated by a second preset distance in height; the second preset distance is less than or equal to the communication distance of the near-field communication module, and the second preset distance is greater than the first preset distance.

[0020] In an alternative embodiment, a first contact surface for near-field induction in the near-field communication module and a second contact surface for code scanning induction in the code scanning module are coplanar, and the adjacent edges of the two are separated by a second preset distance; the second preset distance is less than or equal to the communication distance of the near-field communication module, and the second preset distance is greater than the first preset distance.

[0021] In an alternative embodiment, when the payment device is facing the user for payment, the near-field communication module is located at one end close to the user, and the code scanning module is located at one end far from the user.

[0022] In a third aspect, one or more embodiments of the present specification further provide a computer-readable storage medium storing computer program instructions, which when executed, implement the payment method in the first aspect above.

[0023] In summary, for the payment method provided by one or more embodiments of the present specification, for a payment device with a specific structure and supporting multiple payment methods including payment based on the NFC function, by setting a sensor in the near-field communication module of the payment device, it can be very simple and accurate to identify whether the minimum distance between the target device and the near-field communication module is less than or equal to the first preset distance to determine whether the user wants to make a payment through the NFC function. Furthermore, controlling the opening and closing of the near-field communication function of the near-field communication module can effectively prevent the near-field communication module from misidentifying the user during the use of other payment methods and causing a payment based on the NFC function, interfering with the payment method originally used by the user. It can be seen that the payment method provided by one or more embodiments of the present specification not only improves the accuracy of identifying payment methods while ensuring a low device cost, but also can very conveniently solve the problem of interference between the NFC-based payment method and other payment methods causing payment chaos. Description of the Drawings

[0024] To more clearly illustrate the technical solutions of one or more embodiments of the present specification, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the following drawings are only some embodiments of one or more embodiments of the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0025] Figure 1 It is a flowchart of a payment method provided by one or more embodiments of the present specification;

[0026] Figure 2 It is a system architecture diagram of a payment system provided by one or more embodiments of the present specification;

[0027] Figure 3 A schematic structural diagram of a payment device in a payment system provided for one or more embodiments of this specification Figure 2 ;

[0028] Figure 4 A schematic diagram of a communication process corresponding to a payment process provided for one or more embodiments of this specification

[0029] Figure 5 Another schematic diagram of a communication process corresponding to a payment process provided for one or more embodiments of this specification

[0030] Figure 6 Another schematic diagram of a communication process corresponding to a payment process provided for one or more embodiments of this specification

[0031] Figure 7 Another schematic diagram of a communication process corresponding to a payment process provided for one or more embodiments of this specification

[0032] Figure 8 A schematic structural diagram of the setting manner of a near - field communication module and a code - scanning module in a payment device provided for one or more embodiments of this specification

[0033] Figure 9 Another schematic structural diagram of the setting manner of a near - field communication module and a code - scanning module in a payment device provided for one or more embodiments of this specification

[0034] Figure 10 Another schematic structural diagram of the setting manner of a near - field communication module and a code - scanning module in a payment device provided for one or more embodiments of this specification

[0035] Figure 11 Another system architecture diagram of a payment system provided for one or more embodiments of this specification

[0036] Figure 12 A structural block diagram of a payment device provided for one or more embodiments of this specification Detailed implementation manners

[0037] The following further details one or more embodiments of this specification through the accompanying drawings and embodiments. Through these descriptions, the features and advantages of one or more embodiments of this specification will become clearer and more distinct.

[0038] The special term "exemplary" here means "serving as an example, an embodiment or an illustration". Any embodiment described as "exemplary" here does not have to be construed as superior to or better than other embodiments. Although various aspects of the embodiments are shown in the drawings, unless otherwise specified, the drawings do not have to be drawn to scale.

[0039] In addition, the technical features involved in different embodiments of one or more embodiments of the present specification described below can be combined with each other as long as they do not conflict with each other.

[0040] For the sake of easy understanding, the application scenarios of the technical solutions provided by one or more embodiments of the present specification will be described below first.

[0041] With the continuous development and popularization of Internet mobile payment technology, mobile payment methods have become the mainstream payment methods in today's society. More and more mobile applications support mobile payment functions. For example, code scanning payment, face brushing payment, etc. In addition, due to the characteristics of low cost, easy application, high security, etc. in the application of near field communication (NFC) technology, NFC technology has also been widely applied to payment scenarios such as daily consumption and public transportation. For example, it has become increasingly common to use NFC technology on traditional payment devices such as card readers and point of sales (POS) machines to complete payment operations with mobile terminals (smartphones, smart watches, etc.) that support NFC functions. Moreover, in order to improve the payment experience of users, many payment devices also support multiple mobile payment methods for users to choose flexibly. However, in the diversified payment scenarios, for a payment device that supports both a payment method based on NFC function and other payment methods (such as code scanning payment), there may be a situation where the payment methods interfere with each other. For example, when a user hopes to make a code scanning payment, due to accidentally triggering the NFC function of the payment device during the code scanning process, the payment device may make a payment based on the NFC function, thus affecting the user's payment experience.

[0042] Therefore, one or more embodiments of the present specification provide a payment method, device and storage medium for improving the accuracy of the payment device in identifying the payment method based on NFC function and avoiding the poor user experience caused by payment method crosstalk.

[0043] It should be noted that, in order to solve the problem that in the case of a payment device supporting multiple payment methods including a payment method based on NFC function, the payment method based on NFC function interferes with other payment methods, one or more embodiments of the present specification take two payment methods, namely the payment method based on NFC function and code scanning payment, as examples for description. However, in the application, it is not limited to this. In addition to the payment method based on NFC function, which other payment methods the payment device can support can be determined according to the actual functions of the payment device and will not be elaborated here.

[0044] Next, the payment method provided by one or more embodiments of the present specification will be described with reference to the accompanying drawings.

[0045] Figure 1 The flowchart of the payment method provided for one or more embodiments of this specification. This payment method can be used in a payment device including a near field communication module. As Figure 1 shown, the payment method may include:

[0046] S102. Obtain the minimum distance between the target device and the near field communication module of the payment device, where the target device is a terminal device that approaches the payment device and triggers a payment operation;

[0047] S104. When the above minimum distance is less than or equal to a first preset distance, turn on the near field communication function of the near field communication module. The first preset distance is less than the communication distance of the near field communication module;

[0048] S106. Perform payment based on the near field communication module.

[0049] In one or more embodiments of this specification, the above payment method can be applied to a payment system. Among them, the system architecture of the payment system and the execution functions of each device entity therein are not limited. The system architecture described in one or more embodiments of this specification is only an exemplary illustration. As long as the system architecture applicable to the above payment method can be regarded as within the protection scope of one or more embodiments of this specification, and will not be elaborated here.

[0050] Optionally, Figure 2 The system architecture diagram of a payment system provided for one or more embodiments of this specification. As Figure 2 shown, the payment system may include a card reading device 10, a payment device 20, and a server 30. Among them, the card reading device 10 has a near field communication function and a code scanning function. In a consumer payment scenario, a user can use the card reading device 10 to perform payment operations such as receiving and paying with the merchant's payment device 20; correspondingly, the payment device 20 also has a near field communication function and a code scanning function. In a consumer payment scenario, a merchant can use the payment device 20 to perform payment operations such as receiving and paying with the user's card reading device 10. During this process, the data processing operations involved in the payment process between the card reading device 10 and the payment device 20 are completed by the server 30. That is to say, the card reading device 10 and the payment device 20 can communicate with the server 30 over a network to obtain payment-related information required for the payment process from the server 30 and complete the payment.

[0051] It should be noted that in the above payment system, the specific form of the card-reading device 10 is not limited. Optionally, it can be a mobile terminal with near-field communication function and code scanning function, including but not limited to smart phones or smart watches. Correspondingly, the specific form of the payment device 20 is also not limited. Optionally, it can be an electronic device with near-field communication function and code scanning function, including but not limited to POS machines, intelligent payment terminals, payment boxes, etc. Further, the way of network communication between the card-reading device 10 and the payment device 20 and the server 30 respectively is not limited, and can be specifically determined according to actual payment requirements. In the following embodiments, two optional ways will be used for exemplary illustration. Please refer to the following embodiments for details.

[0052] For the sake of convenience of description, in one or more embodiments of this specification, the payment method implemented based on the near-field communication function of the near-field communication module is called NFC-based payment, and the payment method implemented based on the code scanning function of the code scanning module is called code scanning payment.

[0053] Figure 3 For application in Figure 2 The structural schematic diagram of the payment device 20 in the shown payment system is as Figure 3 shown. The payment device 20 includes a near-field communication module 21 and a code scanning module 22. Among them, the distance between the near-field communication module 21 and the code scanning module 22 is a second preset distance, and the second preset distance is less than or equal to the communication distance of the near-field communication module 21. That is to say, due to the structural design requirements of the payment device 20, the near-field communication module 21 and the code scanning module 22 are set relatively close, so that the distance between the two (i.e., the second preset distance) is less than or equal to the communication distance of the near-field communication module 21. In this case, when the card-reading device 10 that needs to perform code scanning payment approaches the near-field communication module 21 or the code scanning module 22, the near-field communication module 21 may recognize the card-reading device 10 and perform NFC-based payment, which will interfere with the payment process that should be code scanning payment and cause the situation of payment method crosstalk.

[0054] For another example, the distance between the near-field communication module 21 and the code scanning module 22 is relatively far, and the distance between the two is much greater than the communication distance of the near-field communication module 21. However, when the user uses the card-reading device 10 to perform code scanning payment, the user passes above the near-field communication module 21, and the minimum distance between the card-reading device 10 and the near-field communication module 21 is less than the communication distance of the near-field communication module 21. In this case, it may also trigger the payment device to perform NFC-based payment, thus causing payment interference and affecting the user's payment experience.

[0055] Therefore, in order to solve the problem that the near-field communication module 21 and the code scanning module 22 may cause payment method crosstalk due to mutual interference, as Figure 3As shown, in the payment device 20 provided by one or more embodiments of this specification, the near-field communication module 21 may include a sensor 23, or in other words, a sensor 23 may be provided within the near-field communication module 21 to monitor the usage of the near-field communication module 21. Optionally, the minimum distance between the target device 40 and the near-field communication module 21 may be detected by the sensor 23 to determine whether the target device 40 needs to perform a payment through the NFC function. Among them, the target device 40 refers to a terminal device that approaches the payment device and triggers a payment operation, that is to say, the target device 40 is about to perform a payment operation with the payment device 20 to complete the payment between the payee and the payer. It should be noted that the specific type of the sensor 23 is not limited. Optionally, it includes but is not limited to proximity sensors, infrared sensors, ultrasonic sensors, laser sensors, millimeter-wave radar sensors, etc. Which specific type to adopt can be flexibly selected according to actual needs.

[0056] It should be noted that in addition to the above functional modules, as Figure 3 shown, the payment device 20 may further include a processor 24 for controlling the operation of the near-field communication module 21, the code scanning module 22, the sensor 23, and other functional modules. Correspondingly, the above payment method may be executed by this processor 24. Therefore, in the subsequent embodiments, the execution principle of the payment method will be described from the perspective of the processor 24 executing the above payment method.

[0057] Based on the above, the processor 24 may determine the minimum distance between the target device 40 with NFC function and the near-field communication module 21 by obtaining the sensing information collected by the sensor 23. Among them, the specific manner for the processor 24 to obtain the sensing information is not limited. In an optional manner, the processor 24 actively obtains the sensing information collected by the sensor 23. In this case, the processor 24 may continuously monitor whether the sensor 23 has collected sensing information, and when it is monitored that the sensor 23 has collected sensing information, obtain the sensing information collected by the sensor 23 from the sensor 23. In another optional manner, the sensor 23 actively reports the collected sensing information to the processor 24. In this case, after the sensor 23 has collected the sensing information, it directly sends the collected sensing information to the processor 24.

[0058] It should be noted that regardless of which acquisition method is adopted, after the processor 24 obtains the sensing information collected by the sensor 23, it can determine the minimum distance between the target device 40 and the near-field communication module 21 according to the obtained sensing information. It should be understood that the sensing information obtained by the processor 24 from the sensor 23 may include the sensing information obtained multiple times, that is, the processor 24 may determine the minimum distance between the target device 40 and the near-field communication module 21 according to the sensing information obtained from the sensor 23 multiple times.

[0059] In an alternative approach, after the processor 24 determines the minimum distance between the target device 40 and the near-field communication module 21, it can determine whether the minimum distance is less than or equal to a first preset distance. Here, the first preset distance is less than the communication distance of the near-field communication module 21. When the minimum distance is less than or equal to the first preset distance, the near-field communication function of the near-field communication module 21 is enabled. That is to say, when the payment device 20 is in the standby state, the near-field communication function of the near-field communication module 21 remains off. Only when a target device 40 approaches the payment device 20 and the minimum distance between the target device 40 and the near-field communication module 21 is less than or equal to the first preset distance, the processor 24 will enable the near-field communication function of the near-field communication module 21. In other cases, the near-field communication function of the near-field communication module 21 remains off. After enabling the near-field communication function of the near-field communication module 21, the processor 24 can perform payment based on the near-field communication module 21.

[0060] Optionally, the first preset distance can be set according to the requirements of the actual application scenario. For example, in order to avoid the influence of NFC on other payment methods to the greatest extent, the first preset distance can be set small enough. Exemplarily, the first preset distance can be set to 30% or 20% of the communication distance of the near-field communication module 21, or a smaller percentage. For example, the first preset distance can be set to 10 millimeters (mm). In this way, for the payment device 20 with NFC function, setting a sufficiently small first preset distance can avoid crosstalk between the NFC-based payment method and other payment methods to the greatest extent and improve the user experience. It should be understood that for the payment device 20 that only includes the near-field communication module 21, making payments in the above manner can also avoid incorrect payment problems caused by user misoperations, ensure the payment security of users, and improve the user payment experience.

[0061] Here, the communication distance of the near-field communication module 21 refers to the maximum distance at which the near-field communication module 21 can establish effective communication with other devices. That is to say, if the distance between the near-field communication module 21 and other devices is greater than the communication distance of the near-field communication module 21, effective communication cannot be established between the near-field communication module 21 and other devices.

[0062] In another alternative approach, the first preset distance is less than the second preset distance. In this way, when the near-field communication module 21 and the barcode scanning module 22 are relatively close to each other, crosstalk between the NFC-based payment method and the barcode scanning payment method can also be avoided by setting a first preset distance that is small enough compared to the distance between the two, ensuring the user payment experience. The setting of the first preset distance can refer to the content of the foregoing embodiments and will not be elaborated here.

[0063] Based on the above, when the processor 24 determines that the minimum distance between the target device 40 and the near-field communication module 21 is less than or equal to the first preset distance based on the acquired sensing information, the processor 24 may determine that the target device 40 needs to make a payment based on the NFC function. Then, the processor 24 may activate the near-field communication function of the near-field communication module 21 and then make a payment based on the NFC function based on the near-field communication module 21. Among them, the specific process of the processor 24 making a payment based on the NFC function based on the near-field communication module 21 is not limited. Depending on the roles and processing functions of the payment device 20 in the payment system, the process of making a payment based on the NFC function may also be different. Optionally, in the following embodiments, for the roles corresponding to the target device 40 and the payment device 20 in the payment system, taking the target device 40 as the payer and the payment device 20 as the payee as an example, and for the processing functions respectively executed by the payment device 20 and the target device 40 in the payment system, taking the two methods of the payment device 20 and the target device 40 respectively initiating a payment request as an example, the process of making a payment based on the NFC function will be described.

[0064] In an alternative embodiment, the payment request is initiated by the payment device 20.

[0065] Figure 4 FIG. is a schematic diagram of a communication process corresponding to the above payment process. As Figure 4 shown, in this embodiment, the payment request is initiated by the payment device 20. In this case, the payment device 20 may send tag information including payment access information to the target device 40 through the near-field communication module 21 for the target device 40 to send an authorization request to the server 30 associated with the payment access information based on the tag information. After receiving the authorization request sent by the target device 40, the server 30 may issue payment identification information to the processor 24 of the payment device 20. The payment identification information may include a payment identification (such as a payment code, etc.) corresponding to the payment account of the target device 40. It should be understood that the payment identification information may also include other information, such as information about the payment account, etc. After receiving the payment identification information issued by the server 30, the processor 24 may initiate a payment request to the server 30 based on the payment identification information to complete the payment.

[0066] In this embodiment, the specific content of the payment access information sent by the payment device 20 to the target device 40 is not limited. Optionally, the payment access information includes, but is not limited to, link information for starting a payment application and identification information of the payment device 20. Based on this, the target device 40 can start the corresponding payment application according to the link information, and initiate an authorization request to the server 30 based on the corresponding payment application. Optionally, the authorization request may carry the identification information corresponding to the target device 40 and the payment device 20 respectively, for the server 30 to grant payment permissions according to the identification information of the two. Among them, the specific content of the identification information corresponding to the target device 40 and the payment device 20 respectively is not limited. Optionally, the identification information of the target device 40 may be the account identification of the payment account corresponding to the target device 40 or the user identification for logging in to the corresponding payment application; correspondingly, the identification information corresponding to the payment device 20 may be the account identification of the payment account corresponding to the payment device 20 or the merchant identification bound to the payment device 20, etc.

[0067] In this embodiment, the account identification of the payment account corresponding to the target device 40 and the account identification of the payment account corresponding to the payment device 20 are taken as examples of the identification information for illustration.

[0068] Further optionally, as Figure 5 shown, before the target device 40 initiates an authorization request to the server 30 based on the corresponding payment application, it may also send a page acquisition request to the server 30 based on the payment application. Among them, the page acquisition request includes at least the identification information corresponding to the target device 40 and the payment device 20 respectively, for the server 30 to determine the two parties to the transaction, generate payment page information containing the information of the two parties to the transaction and return it to the target device 40. Based on this, after receiving the payment page information returned by the server 30, the target device 40 can render it into a corresponding payment page and display it to the user. After the user enters the corresponding payment amount in the corresponding payment page, the target device 40 can initiate an authorization request to the server 30 based on the payment page filled with the payment amount.

[0069] Based on this, after receiving the authorization request initiated by the target device 40, the server 30 can determine the payment identifier (e.g., payment code) of the payment account corresponding to the target device 40 according to the identification information of the target device 40 carried in the authorization request. Further, the server 30 can issue payment identification information including the above payment identifier to the processor 24 of the payment device 20 for the processor 24 to initiate a payment request to the server 30 based on the above payment identifier. Optionally, the payment request may carry the above payment identifier and the account identifier of the payment account corresponding to the payment device 20. Based on this, the server 30 can determine the corresponding collection identifier (e.g., collection code) according to the account identifier of the payment account corresponding to the payment device 20. Furthermore, according to the above payment identifier and collection identifier, a deduction operation is performed on the payment account corresponding to the target device 40, and a transfer operation is performed on the payment account corresponding to the payment device 20 to complete the payment process.

[0070] In another alternative embodiment, the payment request is initiated by the target device.

[0071] Figure 6 For another schematic diagram of the communication process corresponding to the payment process, as Figure 6 shown, in this embodiment, the payment request is initiated by the target device 40. In this case, the payment device 20 can send tag information including payment access information and collection identifier information to the target device 40 through the near-field communication module 21 for the target device 40 to send a payment identifier acquisition request to the server 30 associated with the payment access information based on the tag information. After receiving the payment identifier acquisition request sent by the target device 40, the server 30 can return information including the payment identifier to the target device 40 based on the payment identifier acquisition request. After the target device 40 receives the information including the payment identifier, it can initiate a payment request to the server 30 based on the information including the payment identifier and the collection identifier information to complete the payment. Among them, the tag information can be pre-written into the near-field communication module 21 of the payment device 20. That is to say, the near-field communication module 21 can be used as a tag. Alternatively, the merchant can also send the tag information to the processor 24 of the payment device 20 through the merchant device and transmit it to the near-field communication module 21 through the processor 24. The specific method to be adopted is optional according to the application scenario, and the present application does not limit this.

[0072] Correspondingly, the payment access information sent by the payment device 20 to the target device 40 through the near-field communication module 21 includes, but is not limited to, link information for starting the payment application and identification information of the payment device 20. Based on this, the target device 40 can start the corresponding payment application according to the link information and initiate a payment identifier acquisition request to the server 30 based on the corresponding payment application. Further optionally, as Figure 7As shown, before the target device 40 initiates a payment identifier acquisition request to the server 30 based on the corresponding payment application, it can also send a page acquisition request to the server 30 based on the payment application to obtain payment page information containing the information of both trading parties from the server 30. Then, it can render it into the corresponding payment page for display, so that the user can input the corresponding payment amount in the corresponding payment page, and initiate a payment identifier acquisition request to the server 30 based on the payment page filled with the payment amount.

[0073] Based on this, after receiving the payment identifier acquisition request initiated by the target device 40, the server 30 can determine the payment identifier (such as a payment code) of the payment account corresponding to the target device 40 according to the identifier information corresponding to the target device 40 carried in the payment identifier acquisition request. Further, the server 30 can send the information containing the above payment identifier to the target device 40. Based on this, the target device 40 can initiate a payment request to the server 30 based on the information containing the payment identifier and the collection identifier information. Optionally, after receiving the payment request, the server 30 can determine the collection identifier (such as a collection code) of the payment account corresponding to the payment device 20 according to the collection identifier information. Then, the server 30 can perform a deduction operation on the payment account corresponding to the target device 40 and a transfer operation to the payment account corresponding to the payment device 20 according to the foregoing payment identifier and collection identifier to complete the payment process.

[0074] Among them, the collection identifier information may include the identifier information corresponding to the payment device, and the server can determine the collection identifier of the payment account corresponding to the payment device 20 according to the identifier information corresponding to the payment device. It should be understood that the collection identifier information may also include other information, such as the identifier information of the payment account corresponding to the payment device, etc.

[0075] It should be noted that for the specific forms of the identifier information corresponding to the target device 40 and the payment device 20 in this embodiment, reference can also be made to the description of the above embodiment, which will not be elaborated here.

[0076] In the above embodiments, the communication process of the payment request initiated by the payment device 20 or the target device 40 and various information carried during the entire communication process are only for illustrative purposes and are not limited thereto in practical applications. For example, in the case where the target device 40 initiates a payment request, after receiving the tag information sent by the payment device 20 through the near-field communication module 21, the target device 40 may not send a payment identification acquisition request, but directly send a payment request to the server 30 after starting the corresponding payment application. The payment request may carry the identification information corresponding to the payment device 20 and the target device 40 respectively. Based on this, after receiving the payment request, the server 30 can directly determine the payment identification (such as a payment code) of the payment account corresponding to the target device 40 and the collection identification (such as a collection code) of the payment account corresponding to the payment device 20 according to the identification information corresponding to the target device 40 and the payment device 20 carried in the payment request. Furthermore, according to the payment identification and the collection identification, a deduction operation is performed on the payment account corresponding to the target device 40, and a transfer operation is performed on the payment account corresponding to the payment device 20 to complete the payment process.

[0077] It should be further noted that in one or more embodiments of this specification, for the payment device 20, the setting method between the near-field communication module 21 and the code scanning module 22 is not limited. In practical applications, it can be flexibly set according to the structural design requirements of the payment device 20. Hereinafter, taking three setting methods applicable to the principle of the above payment method as examples, the relative position relationship between the near-field communication module 21 and the code scanning module 22 set in the payment device 20 will be described.

[0078] Figure 8 FIG. is a schematic structural diagram of a setting method of the near-field communication module 21 and the code scanning module 22 in the payment device 20. As Figure 8 shown, in this embodiment, the first contact surface 210 for near-field induction in the near-field communication module 21 and the second contact surface 220 for code scanning induction in the code scanning module 22 face the same direction, and the two are separated by a second preset distance in height. In this setting method, if the user presents a payment code (such as a payment code) through a card reading device and wants to complete code scanning payment through the second contact surface 220, during the process of bringing the card reading device close to the second contact surface 220 above the first contact surface 210, or when the card reading device stays above the second contact surface 220, since the second preset distance between the first contact surface 210 and the second contact surface 220 in height is less than or equal to the communication distance of the near-field communication module 21, if the near-field communication function of the near-field communication module 21 is turned on, the card reading device may be detected and used as a target device for NFC-based payment. If the code scanning module 22 also senses the payment code above the second contact surface 220, it will cause confusion in the payment method.

[0079] Therefore, by setting the sensors in the near-field communication module 21 to collect the induction information above the first contact surface 210, and according to the collected induction information, only when it is determined that there is a card-reading device within the first preset distance above the first contact surface 210, the near-field communication function of the near-field communication module 21 is enabled and the payment based on the NFC function is performed, which can effectively solve the problem of chaotic payment methods.

[0080] Figure 9 FIG. is a schematic structural diagram of another setting method of the near-field communication module 21 and the code-scanning module 22 in the payment device 20. As Figure 9 shown, in this embodiment, the first contact surface 210 for near-field induction in the near-field communication module 21 and the second contact surface 220 for code-scanning induction in the code-scanning module 22 are coplanar, and the adjacent edges of the two are separated by a second preset distance. In this setting method, if the user presents a payment code through a card-reading device and wants to complete the code-scanning payment through the second contact surface 220, during the process of bringing the card-reading device close to the second contact surface 220 above the first contact surface 210, or when the card-reading device stays above the second contact surface 220, since the second preset distance between the adjacent edges of the first contact surface 210 and the second contact surface 220 is less than or equal to the communication distance of the near-field communication module 21, if the near-field communication function of the near-field communication module 21 is enabled at this time, the card-reading device may be detected and used as the target device for payment based on the NFC function. If the code-scanning module 22 also senses the payment code above the second contact surface 220, it will cause chaotic payment methods.

[0081] Therefore, by setting the sensors in the near-field communication module 21 to collect the induction information above and around the first contact surface 210, and according to the collected induction information, only when it is determined that there is a card-reading device within the first preset distance from the first contact surface 210, the near-field communication function of the near-field communication module 21 is enabled and the payment based on the NFC function is performed, which can effectively solve the problem of chaotic payment methods.

[0082] In the actual application scenario, since the payment based on the NFC function is more convenient than the code-scanning payment, therefore, when designing the structure of the payment device 20, it can be specifically designed into a device structure that is convenient for users to use the payment based on the NFC function. Based on this, Figure 10 FIG. provides a schematic structural diagram of another setting method of the near-field communication module 21 and the code-scanning module 22 in the payment device 20. As Figure 10 shown, in this embodiment, when the payment device 20 is facing the user for payment, the near-field communication module 21 is located at the end close to the user, and the code-scanning module 22 is located at the end far from the user, so as to facilitate the user to give priority to the payment based on the NFC function.

[0083] It should be noted that in this embodiment, the relative height relationship between the first contact surface 210 for near-field induction and the second contact surface 220 for code scanning induction is not limited. Optionally, the first contact surface 210 can be lower than the second contact surface 220 by a second preset distance, or the heights of the two are the same but the adjacent edges are separated by a second preset distance, or the first contact surface 210 is higher than the second contact surface 220. As long as the relative position relationship that the near-field communication module 21 is located at the end close to the user and the code scanning module 22 is located at the end far from the user is satisfied, this embodiment is applicable.

[0084] In this embodiment, taking the example that the first contact surface 210 is lower than the second contact surface 220 by a second preset distance for illustration. In this setting method, if the user presents a payment code (such as a payment QR code) through a card-reading device and wants to complete code scanning payment through the second contact surface 220, during the process of bringing the card-reading device close to the second contact surface 220 above the first contact surface 210, or when the card-reading device stays above the second contact surface 220, since the second preset distance between the first contact surface 210 and the second contact surface 220 in height is less than or equal to the communication distance of the near-field communication module 21, if the near-field communication function of the near-field communication module 21 is turned on at this time, the card-reading device may be detected and used as the target device for NFC-based payment. If the code scanning module 22 also senses the payment code above the second contact surface 220, it will cause confusion in the payment method.

[0085] Therefore, by setting sensors in the near-field communication module 21 to collect the induction information above the first contact surface 210, and according to the collected induction information, only when it is determined that there is a card-reading device within the first preset distance above the first contact surface 210, the near-field communication function is turned on and NFC-based payment is performed, which can effectively solve the problem of payment method confusion.

[0086] It should be noted that Figures 8 - 10 The structure shown is only for exemplary illustration. For the specific communication process of the corresponding payment device during use, reference can be made to the description in the above embodiments, and details will not be elaborated here.

[0087] Further, it should be noted that in the above one or more embodiments, the ownership relationship between the near-field communication module 21 and the code scanning module 22 and the payment device 20 is not limited. It can be understood that the above one or more embodiments are described by taking the near-field communication module 21 and the code scanning module 22 integrated inside the payment device 20 as an example, but in actual applications, it is not limited to this.

[0088] Optionally, Figure 11 For another system architecture diagram of the payment system provided in the embodiments of this specification, as Figure 11As shown, the near-field communication module 21 and the code scanning module 22 are independent of the payment device 20 and are set as a payment tag 50 associated with the payment device 20, and the payment tag 50 only has an identification function. Based on this, after the payment tag 50 recognizes that there is a card reading device 10 that needs to make a payment based on the NFC function, it can send tag information to the card reading device 10. Further, if the payment request is initiated by the payment device 20, the server 30 can obtain the payment identification information from the payment device 20 associated with the payment tag 50 through the payment identification acquisition request initiated by the card reading device 10, so that the payment device 20 can initiate a payment request based on the payment identification information to complete the payment. It should be understood that in this embodiment, the card reading device 10 can be the target device 40. In addition, regarding Figure 11 For the communication process among the payment device 20, the card reading device 10, and the server 30 in the shown payment system, reference can be made to the description of the above embodiment, which will not be elaborated here.

[0089] In one or more of the above embodiments, taking the target device 40 as the payer and the payment device 20 as the payee as an example, the execution principle of the payment method is described. However, in practical applications, the target device 40 can also be the payee, and correspondingly, the payment device 20 can be the payer. In this case, the communication process among the payment device 20, the target device 40, and the server 30 is similar to the communication process when the target device 40 is the payer and the payment device 20 is the payee. The specific process can refer to the foregoing embodiment.

[0090] In one or more embodiments of this specification, when it is determined that the minimum distance between the target device 40 and the near-field communication module 21 is greater than the first preset distance, in addition to keeping the near-field communication function of the near-field communication module 21 closed, if it is determined that the code scanning module 22 is triggered, code scanning payment is performed through the code scanning module 22. For the specific process of code scanning payment, reference can be made to the general implementation method of code scanning payment, which will not be elaborated here.

[0091] Of course, when controlling the activation and deactivation of the near-field communication function of the near-field communication module 21, in addition to identifying whether the minimum distance between the target device 40 and the near-field communication module 21 is less than or equal to the first preset distance, the activation and deactivation of the near-field communication function of the near-field communication module 21 can also be controlled in combination with whether the code scanning module 22 is triggered, so as to further improve the accuracy of identifying the payment method. For example, in the case where it is determined by the method of one or more of the above embodiments that the minimum distance between the target device 40 and the near-field communication module 21 is less than or equal to the first preset distance, it is further determined whether the code scanning module 22 recognizes a payment code. If the code scanning module 22 recognizes a payment code, it indicates that the user wants to use code scanning payment, and the near-field communication function of the near-field communication module 21 is kept closed. That is, the near-field communication function of the near-field communication module 21 is only activated when it is recognized that the minimum distance between the target device 40 and the near-field communication module 21 is less than or equal to the first preset distance and the code scanning module 22 is not triggered, so as to improve the recognition accuracy.

[0092] In summary, for the payment device with a specific structure and supporting multiple payment methods including payment based on the NFC function, the payment method provided by one or more embodiments of this specification can very simply and accurately identify whether the minimum distance between the target device and the near-field communication module is less than or equal to the first preset distance by setting a sensor in the near-field communication module of the payment device, so as to determine whether the user wants to make a payment through the NFC function. Furthermore, by controlling the activation and deactivation of the near-field communication function of the near-field communication module, it can effectively prevent the near-field communication module from misidentifying and making a payment based on the NFC function when the user is using other payment methods, which may interfere with the originally used payment method of the user. Thus, it can be seen that the payment method provided by one or more embodiments of this specification not only improves the accuracy of identifying the payment method while ensuring a relatively low device cost, but also very conveniently solves the problem of interference between the NFC-based payment method and other payment methods, resulting in payment chaos.

[0093] It can be understood that the above embodiments are only examples, and the above embodiments can be deformed during actual implementation. Those skilled in the art can understand that the deformation methods that do not require creative labor for the above embodiments all fall within the protection scope of one or more embodiments of this specification, and will not be elaborated in the embodiments.

[0094] Based on the same inventive concept, one or more embodiments of this specification also provide a payment device, as Figure 12 shown. The payment device 300 may include a near-field communication module 301 and a processor 302. Among them, the processor 302 performs the following operations:

[0095] Obtain the minimum distance between the target device and the near-field communication module 301; wherein, the target device is a terminal device that approaches the payment device 300 and triggers a payment operation; when the minimum distance is less than or equal to the first preset distance, turn on the near-field communication function of the near-field communication module 301; wherein, the first preset distance is less than the communication distance of the near-field communication module 301; perform payment based on the near-field communication module 301.

[0096] In an alternative embodiment, as Figure 12 shown, the near-field communication module 301 includes a sensor 303; the processor 302 obtains the minimum distance between the target device and the near-field communication module 301, for: the processor 301 is used to obtain the minimum distance between the target device and the near-field communication module 301 through the sensor 303.

[0097] In an alternative embodiment, the processor 302 performs payment based on the near-field communication module 301, for: sending tag information including payment access information to the target device through the near-field communication module 301, so that the target device sends an authorization request to the server associated with the payment access information based on the tag information; receiving the payment identification information issued by the server based on the authorization request, wherein the payment identification information includes the payment identification of the payment account corresponding to the target device; initiating a payment request to the server according to the payment identification information to complete the payment.

[0098] In an alternative embodiment, the processor 302 performs payment based on the near-field communication module 301, for: sending tag information including payment access information and collection identification information to the target device through the near-field communication module 301, so that the target device sends a payment identification acquisition request to the server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server according to the information including the payment identification and the collection identification information returned by the server based on the payment identification acquisition request and completes the payment.

[0099] In an alternative embodiment, as Figure 12 shown, the payment device 300 further includes a code scanning module 304, and the processor 302 is further used for: when the minimum distance is greater than the first preset distance and the code scanning module 304 is triggered, perform payment through the code scanning module 304.

[0100] In an alternative embodiment, the first contact surface for near-field induction in the near-field communication module 301 and the second contact surface for code scanning induction in the code scanning module 304 face the same direction, and the two are separated by a second preset distance in height; wherein, the second preset distance is less than or equal to the communication distance of the near-field communication module 301, and the second preset distance is greater than the first preset distance.

[0101] In an alternative embodiment, the first contact surface for near-field induction in the near-field communication module 301 and the second contact surface for code scanning induction in the code scanning module 304 are coplanar, and the adjacent edges of the two are separated by a second preset distance; wherein, the second preset distance is less than or equal to the communication distance of the near-field communication module 301, and the second preset distance is greater than the first preset distance.

[0102] In an alternative embodiment, when the payment device 300 is oriented towards the user for payment use, the near-field communication module 301 is located at the end close to the user, and the code scanning module 304 is located at the end far from the user.

[0103] It should be noted that the functional principles of the components in the above payment device are the same as the implementation principles of the corresponding steps in the above payment method. For details, reference can be made to the description of the corresponding parts in the above method embodiments, and no further elaboration will be provided here. In addition, the specific structure of the payment device 300 can also be referred to the structure of the payment device in the foregoing embodiments.

[0104] In some alternative implementation manners, the processor 302 is sometimes also referred to as a controller or an operation control unit, and may include a microprocessor or other processor devices and / or logic devices. The processor 302 receives inputs and controls the operations of the various components of the payment device 300.

[0105] It is worth noting that Figure 12 The components shown are exemplary, and other types of structures can also be used to supplement or replace this structure to achieve telecommunication functions or other functions. Of course, the payment device 300 does not necessarily have to include Figure 12 all the components shown in Figure 12 ; in addition, the payment device 300 may also include

[0106] components not shown in

[0107] In some alternative implementation manners, the payment device 300 may further include components such as a memory, a communication module, an input unit, an audio processor, a display, and a power supply.

[0108] The memory can be a solid-state memory, for example, a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It can also be a memory that stores information even when power is off, can be selectively erased and has more data. An example of this memory is sometimes referred to as an EPROM, etc. The memory can also be some other type of device. The memory includes a buffer memory (sometimes referred to as a buffer). The memory can include an application / function storage unit that is used to store application programs and function programs or the processes for operating the payment device 300 by the processor 302.

[0109] The memory can also include a data storage unit that is used to store data, such as contacts, digital data, pictures, sounds, and / or any other data used by the payment device. The driver storage unit of the memory can include various drivers of the computer device for communication functions and / or for performing other functions of the computer device (such as a messaging application, an address book application, etc.).

[0110] The input unit can provide input to the processor 302. The input unit is, for example, a key or a touch input device. The power supply can be used to supply power to the payment device 300. The display can be used to display display objects such as images and texts. The display can be, for example, an LCD display, but is not limited thereto.

[0111] The communication module is a transmitter / receiver that sends and receives signals via an antenna. The communication module (transmitter / receiver) is coupled to the processor 302 to provide input signals and receive output signals, which can be the same as in the case of a conventional mobile communication terminal.

[0112] Based on different communication technologies, multiple communication modules can be provided in the same computer device, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module, etc. The communication module (transmitter / receiver) is also coupled to a speaker and a microphone via an audio processor to provide an audio output via the speaker and receive an audio input from the microphone, thereby realizing the usual telecommunication functions. The audio processor can include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor is also coupled to the processor 302, so that it is possible to record on the local machine through the microphone and play the sound stored on the local machine through the speaker.

[0113] One or more embodiments of this specification also provide a computer-readable storage medium capable of implementing all the steps in the payment method in the above embodiments. A computer program is stored on the computer-readable storage medium. When the computer program is executed by a processor, all the steps of the payment method in the above embodiments are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0114] Obtain the minimum distance between the target device and the near-field communication module, where the target device is a terminal device that approaches the payment device and triggers a payment operation;

[0115] When the minimum distance is less than or equal to a first preset distance, enable the near-field communication function of the near-field communication module, where the first preset distance is less than the communication distance of the near-field communication module;

[0116] Perform payment based on the near-field communication module.

[0117] Although one or more embodiments of this specification provide method operation steps such as in the embodiments or flowcharts, there may be more or fewer operation steps based on routine or non-creative labor. The order of steps listed in the embodiments is only one way among many execution orders of steps and does not represent the only execution order. When the actual device or client product is executed, it can be executed in the order of the method shown in the embodiments or the drawings or in parallel (for example, in an environment of parallel processors or multi-threaded processing).

[0118] Those skilled in the art should understand that the embodiments of this specification can be provided as methods, devices (systems) or computer program products. Therefore, the embodiments of this specification can take the form of completely hardware embodiments, completely software embodiments, or embodiments combining software and hardware aspects. Moreover, one or more embodiments of this specification can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) that contain computer-usable program code.

[0119] One or more embodiments of this specification are described with reference to the flowcharts and / or block diagrams of methods, devices (systems) and computer program products according to one or more embodiments of this specification. It should be understood that each flow and / or block in the flowchart and / or block diagram, and the combination of flows and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing devices to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing devices generate a device for realizing the functions specified in Figure 1 one process or multiple processes and / or blocks Figure 1 one block or multiple blocks.

[0120] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory generate a manufactured product including an instruction device, and the instruction device realizes the functions in the processFigure 1 one process or multiple processes and / or boxes Figure 1 the functions specified in one box or multiple boxes.

[0121] These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide for implementing the process Figure 1 one process or multiple processes and / or boxes Figure 1 the steps of the functions specified in one box or multiple boxes.

[0122] Each embodiment in this specification is described in a progressive manner. For the same or similar parts among the embodiments, reference can be made to each other. Each embodiment focuses on the differences from other embodiments. In particular, for the device and system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and for the relevant parts, reference can be made to the partial description of the method embodiments.

[0123] In this document, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the term "comprising", "including" or any other variant thereof is intended to cover non-exclusive inclusion, so that a process, method, article or device comprising a series of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such process, method, article or device. For those of ordinary skill in the art, the specific meanings of the above terms in one or more embodiments of this specification can be understood according to specific circumstances.

[0124] It should be noted that, without conflict, the features in one or more embodiments of this specification and the embodiments can be combined with each other. One or more embodiments of this specification are not limited to any single aspect, nor to any single embodiment, nor to any arbitrary combination and / or permutation of these aspects and / or embodiments. Moreover, each aspect and / or embodiment of one or more embodiments of this specification can be used alone or in combination with one or more other aspects and / or their embodiments.

[0125] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of one or more embodiments of this specification, rather than to limit them; although the above embodiments have been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that they can still modify the technical solutions described in the foregoing embodiments, or perform equivalent replacements for some or all of the technical features; and these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of one or more embodiments of this specification, and they should all be covered within the scope of one or more embodiments of this specification.

[0126] The above has described one or more embodiments of this specification in combination with optional embodiments, but these embodiments are only exemplary and only play an illustrative role. On this basis, various replacements and improvements can be made to one or more embodiments of this specification, and these all fall within the protection scope of one or more embodiments of this specification.

Claims

1. A payment method, characterized in that: For a payment device, the payment device includes a near field communication module and a code scanning module, the second contact surface for code scanning sensing in the code scanning module is higher than the first contact surface for near field sensing in the near field communication module by a second preset distance, and the second preset distance is less than or equal to the communication distance of the near field communication module; The method comprises: Acquiring a minimum distance between a target device and the near field communication module; the target device is a terminal device that approaches the payment device and triggers a payment operation; When the minimum distance is less than or equal to a first preset distance, the near field communication function of the near field communication module is turned on; the first preset distance is less than the second preset distance; Payment is performed based on the near field communication module.

2. The method according to claim 1, characterized in that The near field communication module includes a sensor; Obtaining the minimum distance between the target device and the near field communication module, including: The minimum distance between the target device and the near field communication module is acquired through the sensor.

3. The method according to claim 1 or 2, characterized in that: The payment is performed based on the near field communication module, including: Sending tag information including payment access information to the target device through the near field communication module, so that the target device sends an authorization request to the server associated with the payment access information based on the tag information; Receiving payment identification information issued by the server based on the authorization request; the payment identification information includes a payment identification of a payment account corresponding to the target device; A payment request is initiated to the server according to the payment identification information to complete the payment.

4. The method according to claim 1 or 2, characterized in that: The payment is performed based on the near field communication module, including: Tag information containing payment access information and payment receipt identification information is sent to the target device through the near field communication module, so that the target device sends a payment identification acquisition request to the server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server and completes the payment according to the information containing the payment identification and the payment receipt identification information returned by the server based on the payment identification acquisition request.

5. The method according to claim 1 or 2, characterized in that: The method further comprises: When the minimum distance is greater than the first preset distance and the code scanning module is triggered, payment is performed through the code scanning module.

6. The method according to claim 5, characterized in that When the payment device is directed toward a user for payment, the near field communication module is located at an end close to the user, and the code scanning module is located at an end far from the user.

7. A payment device, characterized in that: include: A near field communication module, a code scanning module and a processor; the second contact surface for code scanning sensing in the code scanning module is higher than the first contact surface for near field sensing in the near field communication module by a second preset distance, and the second preset distance is less than or equal to the communication distance of the near field communication module; The processor is used to: Acquiring a minimum distance between a target device and the near field communication module; the target device is a terminal device that approaches the payment device and triggers a payment operation; When the minimum distance is less than or equal to a first preset distance, the near field communication function of the near field communication module is turned on; the first preset distance is less than the second preset distance; Payment is performed based on the near field communication module.

8. The payment device according to claim 7, characterized in that: The near field communication module includes a sensor; The processor obtains the minimum distance between the target device and the near field communication module, for: The processor is used to obtain the minimum distance between the target device and the near field communication module through the sensor.

9. The payment device according to claim 7 or 8, characterized in that: The processor performs payment based on the near field communication module, and is used for: Sending tag information including payment access information to the target device through the near field communication module, so that the target device sends an authorization request to the server associated with the payment access information based on the tag information; Receiving payment identification information issued by the server based on the authorization request; the payment identification information includes a payment identification of a payment account corresponding to the target device; A payment request is initiated to the server according to the payment identification information to complete the payment.

10. The payment device according to claim 7 or 8, characterized in that: The processor performs payment based on the near field communication module, and is used for: Tag information containing payment access information and payment receipt identification information is sent to the target device through the near field communication module, so that the target device sends a payment identification acquisition request to the server associated with the payment access information based on the tag information, and the target device initiates a payment request to the server and completes the payment according to the information containing the payment identification and the payment receipt identification information returned by the server based on the payment identification acquisition request.

11. The payment device according to claim 7 or 8, characterized in that: The processor is further configured to: When the minimum distance is greater than the first preset distance and the code scanning module is triggered, payment is performed through the code scanning module.

12. The payment device according to claim 11, characterized in that: When the payment device is directed toward a user for payment, the near field communication module is located at an end close to the user, and the code scanning module is located at an end far from the user.

13. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, which, when executed, implement the method described in any one of claims 1 to 6.

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