Payment service processing method, device and equipment for wearable equipment

Abstract

The embodiment of the invention discloses a payment service processing scheme for wearable equipment. The scheme applied to the near field communication payment tool comprises the following steps: detecting whether a wearable device is close to the near field communication payment tool; if yes, feature waves of a set mode are generated and sent, so that the wearable device recognizes the feature waves, if the feature waves are correctly recognized, the wearable device automatically opens the closed near field communication card reader, and through the opened near field communication card reader, the near field communication card reader is turned on, so that the near field communication card reader is turned off. After entering the near field communication range of the near field communication payment facility, reading payment information from the near field communication payment facility to trigger to open a payment application; establishing a Bluetooth connection with the wearable device through the payment application on the wearable device; and receiving user information returned by the payment application through the Bluetooth connection, and promoting a payment process according to the user information.

Description

Technical Field

[0001] This specification relates to the technical field of near - field communication, and particularly to a payment service processing method, apparatus, and device for wearable devices. Background Art

[0002] With the development of Internet technology and the popularization of the use of smart phones, more and more services can be carried out through corresponding applications on smart phones, bringing great convenience to people's lives.

[0003] In the field of payment and other services, two - dimensional codes have been widely used at present. In actual applications, for some users or some scenarios, payment based on two - dimensional codes also requires relatively cumbersome operations. With the increase in mobile terminals with near - field communication functions, especially smart phones, many smart phones support NFC payment methods. Not only the smart phones are popularized, but also some wearable devices are increasing, mainly smart watches.

[0004] Currently, on smart watches that support near - field communication, due to the power consumption of smart watches, the system defaults to turning off the near - field communication card reader. Users need to manually click on the smart watch to make it light up, then click to open the payment application, and further click to enter the near - field payment page provided in the payment application. Then, the payment application will call the corresponding system interface to open the near - field communication card reader, and then use the smart watch to touch the near - field communication payment terminal to achieve near - field communication payment. It can be seen that the overall link of this solution is relatively long, and users need to enter the payment application in advance and open the near - field communication payment page to make a payment.

[0005] Based on this, a more convenient near - field communication payment solution for wearable devices such as smart watches is needed. Summary of the Invention

[0006] One or more embodiments of this specification provide a payment service processing method, apparatus, and device for wearable devices to solve the following technical problem: a more convenient near - field communication payment solution for wearable devices such as smart watches is needed.

[0007] To solve the above - mentioned technical problem, one or more embodiments of this specification are implemented as follows: A payment service processing method for wearable devices provided by one or more embodiments of this specification is applied to a near - field communication payment terminal. The method includes: Detecting whether a wearable device is approaching the near - field communication payment terminal; If so, generate and send a characteristic wave of a set mode to enable the wearable device to identify the characteristic wave. If the characteristic wave is correctly identified, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, read payment information from the near-field communication payment device to trigger the opening of the payment application. Establish a Bluetooth connection with the wearable device through the payment application on the wearable device. Receive the user information returned by the payment application through the Bluetooth connection and advance the payment process according to the user information.

[0008] Another payment service processing method for a wearable device provided by one or more embodiments of this specification, which is applied to the wearable device. The method includes: When approaching the near-field communication payment device in response to a user operation, receive and identify the characteristic wave of the set mode sent by the near-field communication payment device. If the characteristic wave is correctly identified, automatically turn on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, read payment information from the near-field communication payment device to trigger the opening of the payment application. Establish a Bluetooth connection with the near-field communication payment device through the payment application, and return user information to the near-field communication payment device through the Bluetooth connection, so that the near-field communication payment device advances the payment process according to the user information.

[0009] A payment service processing device for a wearable device provided by one or more embodiments of this specification, which is applied to a near-field communication payment device. The device includes: A proximity detection module that detects whether a wearable device is approaching the near-field communication payment device. A characteristic wave sending module. If so, generate and send a characteristic wave of a set mode to enable the wearable device to identify the characteristic wave. If the characteristic wave is correctly identified, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, read payment information from the near-field communication payment device to trigger the opening of the payment application. A Bluetooth connection module that establishes a Bluetooth connection with the wearable device through the payment application on the wearable device. A payment advancement module that receives the user information returned by the payment application through the Bluetooth connection and advances the payment process according to the user information.

[0010] A payment service processing device for a wearable device provided by one or more embodiments of this specification, which is applied to the wearable device. The device includes: A feature wave recognition module, which, when responding to a user operation and approaching the near field communication payment device, receives and recognizes the feature wave of a set pattern sent by the near field communication payment device; A card reader opening module, if the feature wave is correctly recognized, automatically opens the closed near field communication card reader; A reading trigger module, through the opened near field communication card reader, after entering the near field communication range of the near field communication payment device, reads payment information from the near field communication payment device to trigger the opening of a payment application; A Bluetooth connection module, through the payment application, establishes a Bluetooth connection with the near field communication payment device, and returns user information to the near field communication payment device through the Bluetooth connection, so that the near field communication payment device advances the payment process according to the user information.

[0011] A payment service processing device for a wearable device provided by one or more embodiments of this specification, which is applied to a near field communication payment device. The payment service processing device includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute: Detect whether a wearable device is approaching the near field communication payment device; If so, generate and send a feature wave of a set pattern, so that the wearable device recognizes the feature wave. If the feature wave is correctly recognized, the wearable device automatically opens the closed near field communication card reader. Through the opened near field communication card reader, after entering the near field communication range of the near field communication payment device, read payment information from the near field communication payment device to trigger the opening of a payment application; Establish a Bluetooth connection with the wearable device through the payment application on the wearable device; Receive the user information returned by the payment application through the Bluetooth connection, and advance the payment process according to the user information.

[0012] A payment service processing device for a wearable device provided by one or more embodiments of this specification, which is applied to the wearable device. The payment service processing device includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform: When approaching the near field communication payment device in response to a user operation, receive and identify a characteristic wave of a set pattern sent by the near field communication payment device; If the characteristic wave is correctly identified, automatically turn on the near field communication card reader that has been turned off; After entering the near field communication range of the near field communication payment device through the turned-on near field communication card reader, read payment information from the near field communication payment device to trigger the opening of a payment application; Establish a Bluetooth connection with the near field communication payment device through the payment application, and return user information to the near field communication payment device through the Bluetooth connection, so that the near field communication payment device can advance the payment process according to the user information.

[0013] One or more of the above technical solutions adopted in the embodiments of the present specification can achieve the following beneficial effects: The near field communication payment device can actively detect the approach of the wearable device and correspondingly additionally send a special signal, that is, a characteristic wave of a set pattern, to trigger the wearable device to automatically turn on the near field communication card reader that is default turned off in response to the characteristic wave. Thus, the user does not need to manually perform a series of relatively cumbersome operations such as turning on the screen, opening the payment application, and entering the near field communication page. Even when the wearable device is currently in the screen-off state, the user can directly touch the wearable device to the near field communication payment device to make a payment. Therefore, the convenience is better, and it will not increase the energy consumption burden on the wearable device. Description of the Drawings

[0014] In order to more clearly illustrate the technical solutions in the embodiments of the present specification or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the drawings in the following description are only some embodiments recorded in the present specification. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings.

[0015] Figure 1 It is a schematic flowchart of a payment service processing method for a wearable device provided by one or more embodiments of the present specification; Figure 2 It is a schematic diagram of a characteristic wave of a set pattern provided by one or more embodiments of the present specification; Figure 3 In an application scenario provided by one or more embodiments of the present specification,Figure 1 Flow diagram of an embodiment of the method; Figure 4 Flow diagram of a matching scheme for characteristic waves provided for one or more embodiments of this specification; Figure 5 Flow diagram of a processing scheme for characteristic waves for coexistence of a wearable device and a smart watch provided for one or more embodiments of this specification; Figure 6 Flow diagram of another payment service processing method for a wearable device provided for one or more embodiments of this specification; Figure 7 Structural diagram of a payment service processing device for a wearable device provided for one or more embodiments of this specification; Figure 8 Structural diagram of another payment service processing device for a wearable device provided for one or more embodiments of this specification; Figure 9 Structural diagram of a payment service processing device for a wearable device provided for one or more embodiments of this specification; Figure 10 Structural diagram of another payment service processing device for a wearable device provided for one or more embodiments of this specification. Detailed implementation manners

[0016] Embodiments of this specification provide a payment service processing method, device, device, and storage medium for a wearable device.

[0017] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of this specification. Obviously, the described embodiments are only a part of the embodiments of this application, rather than all the embodiments. Based on the embodiments of this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the scope of protection of this application.

[0018] The wearable device (or called a wearable device) mentioned in this application is a smart electronic device with near-field communication function and Bluetooth function (the Bluetooth function can also be replaced by other short-range communication functions). It is mainly represented by a smart watch. Of course, it can also be devices such as smart bracelets and smart rings. And preferably, it can be a device with a screen. In this way, the operational convenience advantage of this application in the screen-off state can be better reflected.

[0019] Compared with smartphones, wearable devices usually have significantly smaller screens or no screens at all, and their battery power and processing capabilities are often lower. Therefore, they are more sensitive to energy consumption and computational burden. As a result, some manufacturers default to turning off the near-field communication card readers on wearable devices. Take a smartwatch as an example. To use near-field communication payment, the user needs to pre-install the corresponding payment application on the smartwatch. When the user comes to a merchant and wants to make a payment, the user needs to manually click to open the payment application and further click to enter the near-field payment page provided in the payment application. Then, the payment application will call the corresponding system interface to open the near-field communication card reader, and then touch the near-field communication payment terminal with the smartwatch to be able to conduct near-field communication payment. Such operations are rather cumbersome. Especially when the smartwatch is in the screen-off state, it is necessary to turn on the screen first and then operate, which is even more cumbersome.

[0020] Based on such a background, this application has developed a payment service processing solution that is more suitable for wearable devices (taking smartwatches as a typical example), mainly involving wearable devices (the user's devices) and near-field communication payment terminals (usually the merchant's cash register devices or their extended devices).

[0021] Figure 1 It is a schematic flowchart of a payment service processing method for wearable devices provided by one or more embodiments of this specification, described from the perspective of the near-field communication payment terminal. Correspondingly, the execution subject of this process can include the near-field communication payment terminal, such as the terminal program provided by the payment application provider at the software level.

[0022] Figure 1 The process in S102: Detect whether there is a wearable device approaching the near-field communication payment terminal.

[0023] In one or more embodiments of this specification, the NFC card reader on the wearable device is default off. In the off state, the wearable device will not actively attempt to perform NFC card reading operations and will not actively monitor whether there are near-field communication induction objects approaching, which can effectively reduce the energy consumption of the wearable device.

[0024] A near-field communication payment device detects whether a user device suspected of coming for payment is approaching the near-field communication payment device by means such as a Time of Flight (ToF) sensor or an action detection camera. Since the solution of this application is also applicable to smartphones, when detecting, it can be determined in advance according to actual needs whether to specifically identify and distinguish whether the approaching device is a wearable device, a smartphone, or other suspected devices. If no distinction is made (for example, it is defaulted that the approaching device is a wearable device), this step is simpler and more efficient. If distinction is to be made, it helps to ensure the more reliable execution of subsequent steps.

[0025] It should be noted that for the case where distinction is to be made, this application will further provide a more in-depth transformation solution, which will be described later.

[0026] In one or more embodiments of this specification, the above detection action can be performed before the wearable device enters the near-field communication range of the near-field communication payment device to make preparations in advance for possible near-field communication interactions. In this case, the detection action can be made independent of the near-field communication capability of the near-field communication payment device.

[0027] S104: If so, generate and send a characteristic wave of a set mode to enable the wearable device to identify the characteristic wave. If the characteristic wave is correctly identified, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, read payment information from the near-field communication payment device to trigger the opening of the payment application.

[0028] In one or more embodiments of this specification, a new electromagnetic wave whose mode is set according to actual needs is proposed, called a characteristic wave, which is used to remotely trigger the wearable device approaching to automatically turn on the near-field communication card reader. It should be noted that in order to perform near-field communication induction, the near-field communication device will also emit corresponding induction signals. However, the characteristic wave proposed in this application is a different signal from the induction signal. The characteristic wave is an additional signal emitted by the near-field communication payment device correspondingly in response to the result of the above detection. It can be seen that their uses are different. Moreover, the action range of the characteristic wave can preferably be greater than that of the induction signal, which helps to make preparations in advance.

[0029] In addition, to improve reliability and transmission efficiency, the characteristic wave may not be generated by the near-field communication module of the near-field communication payment device (conversely, if it is generated by the near-field communication module, it is necessary to make a clearer distinction from the induction signal to avoid signal confusion and affect recognition). In this case, it may be generated by other modules on the near-field communication payment device. Similarly, the transmitting antenna may also be different.

[0030] The characteristic wave reflects its characteristics through the appearance of the waveform image itself or the information encoded in the waveform according to the set coding rules, so that the wearable device can recognize it. The pattern of the characteristic wave can be preset or set instantaneously according to the current actual situation (for example, the current situation of approaching the wearable device).

[0031] Of course, in order to support the generation, transmission, recognition, and corresponding response of the characteristic wave, it is necessary to update and upgrade the software on the near-field communication payment device and / or the wearable device in advance. For the wearable device, it can be an update and upgrade at the operating system level or an update and upgrade at the payment application level. In the latter case, after the update and upgrade, preferably, when the wearable device is in the screen-off state, the payment application can still process the characteristic wave through a specific process (which can be a background process) without the user manually waking up the wearable device and manually opening the payment application.

[0032] To make the characteristic wave easier to generate and recognize, specific pulses can be included in the characteristic wave, mainly manifested by the characteristics of the pulses. For example, determine the moment when a wearable device is detected to be approaching the near-field communication payment device as the sensing moment; determine the set pattern indicating the delay duration, pulse width, pulse interval, and number of pulses; starting from the sensing moment, after delaying for the delay duration, send the number of pulses with the pulse width and pulse interval as the characteristic wave of the set pattern. Similarly, such a characteristic wave can be sent repeatedly multiple times. The delay duration helps to ensure that the wearable device can receive the characteristic wave more reliably and can be set according to needs. Even without delay, corresponding pulses can be sent immediately as the characteristic wave.

[0033] Intuitively, one or more embodiments of this specification provide a schematic diagram of a characteristic wave of a set pattern. See Figure 2 . Figure 2 Exemplary values are assigned to several of the above parameters in

[0034] In Figure 2Among them, the longest horizontal line represents the time axis; the leftmost vertical line represents the moment when the near-field communication payment device detects the event of a wearable device approaching. T1 represents the pulse width, with a value of 25 microseconds; T2 represents the pulse interval, with a value of 10 milliseconds; T3 represents the delay duration, with a value of 350 milliseconds; the number of pulses is 3.

[0035] Under such exemplary parameters, that is, the near-field communication payment device starts to send 3 pulses with a width of 25 microseconds at intervals of 10 milliseconds after a delay of 350 milliseconds from the moment when it detects the event of a wearable device approaching. It can be polled and sent once or multiple times as the characteristic wave of the set mode, and enter the state of waiting to be read, for example, enter the dynamic tag state.

[0036] When the wearable device receives the characteristic wave, recognizes these three pulses and determines that they conform to the set mode, it can be considered that the characteristic wave has been correctly recognized. Thus, in response to the characteristic wave, the wearable device can turn on its default-closed near-field communication card reader and prepare to read the dynamic tag information provided by the near-field communication payment device.

[0037] In one or more embodiments of this specification, the near-field communication payment device also supports the card reader mode, so that it can read the user's IC card, or read a smart phone device operating in the analog card mode. Based on such a situation, more reliably, after sending the characteristic wave of the set mode, it is necessary to determine that the near-field communication payment device is operating in the correct mode. For example, it can be judged whether the near-field communication payment device is currently operating in the card reader mode; if so, it automatically switches to the dynamic tag mode to wait for the wearable device to read.

[0038] In one or more embodiments of this specification, when the detection result is determined and the wearable device is triggered by the characteristic wave to automatically turn on the closed near-field communication card reader, the wearable device may have entered the near-field communication range of the near-field communication payment device (if the standard for approaching is relatively strict during detection, this may be the case), or it may not have entered the near-field communication range of the near-field communication payment device. For the latter case, the user needs to further bring the wearable device closer to the near-field communication card reader until it enters the near-field communication range of the near-field communication payment device. After entering, based on the already turned-on near-field communication card reader, the near-field communication payment device is regarded as a readable tag, and the payment information for this time is read from the tag, and the corresponding payment application is further opened to hand over the read payment information to the payment application for processing. The payment information, for example, is dynamically written into the tag by the cashier or based on self-checkout input, etc.

[0039] The payment application gives a prompt to the user according to the payment information to prevent mispayment, and continues to promote the payment after the user confirms.

[0040] S106: Establish a Bluetooth connection with the wearable device through the payment application on the wearable device.

[0041] Generally, after the user touches the wearable device near the near-field communication payment terminal, they will quickly take it away. Therefore, the time window for near-field communication interaction between these two devices is short. To be able to continue the interaction more reliably, through the interaction within this time window (for example, obtaining the corresponding Bluetooth identifier), a Bluetooth connection is established between these two devices. Thus, if subsequent interactions can be carried out through the Bluetooth connection, even if the user takes away the wearable device, as long as they are still near the near-field communication payment terminal, reliable interaction can still be achieved.

[0042] Specifically, for example, receive the connection request sent by the payment application on the wearable device after the user confirms the payment. Here, the payment confirmation is carried out in the payment confirmation page displayed after the payment application is opened; in response to the connection request, establish a Bluetooth connection with the wearable device. In this way, both mispayments and misconnections can be prevented; after the payment is completed, the Bluetooth connection can be automatically disconnected.

[0043] S108: Receive the user information returned by the payment application through the Bluetooth connection, and advance the payment process based on the user information.

[0044] Based on the user information, the near-field communication payment terminal can interact with the server of the payment application to request a deduction for the corresponding user, thereby completing the payment for the user. Of course, in the case of poor network, the near-field communication payment terminal can also adopt the method of offline payment (for example, delayed deduction; or trigger the wearable device to actively transfer and pay to the corresponding merchant. In this case, the wearable device can be switched to continue advancing the payment process) to advance the payment process.

[0045] Through Figure 1 the method, the near-field communication payment terminal can actively detect the approach behavior of the wearable device and accordingly additionally send a special signal, that is, a characteristic wave of a set mode, to trigger the wearable device to automatically turn on the default-closed near-field communication card reader in response to the characteristic wave. Thus, the user does not need to manually perform a series of relatively cumbersome operations such as turning on the screen, opening the payment application, and entering the near-field communication page. Even if the wearable device is currently in the screen-off state, the user can directly touch the wearable device to the near-field communication payment terminal to make a payment. Therefore, the convenience is good, and it will not increase the energy consumption burden on the wearable device.

[0046] Based on Figure 1 the method, this specification also provides some specific implementation schemes and extended schemes of the method, which will be continued to be described below.

[0047] In one or more embodiments of this specification, for a more intuitive understanding, a flowchart of an implementation of a method in an application scenario is provided. Refer to Figure 1 as follows. In this application scenario, it involves a user, a wearable device (such as a smartwatch, serving as the above-mentioned wearable device), an NFC device (serving as the above-mentioned near-field communication payment device), wearable device payment (serving as the above-mentioned payment application), and a payment server (serving as the server of the above-mentioned payment application). Figure 3 The solution in

[0048] Figure 3 includes the following steps: The NFC device sends an NFC characteristic wave (it can be sent after detecting a proximity event, which is more effective in this way and helps reduce resource consumption). The smartwatch is by default in a state where the near-field communication card reader is closed. When it gets close to the NFC device, it receives the characteristic wave and actively turns on the near-field communication card reader. Then, the system of the smartwatch can read the payment information on the NFC device. After reading, the system further opens the payment application on the smartwatch and synchronizes the payment information to the payment application. After receiving the payment information, the payment application displays a payment confirmation page. After the user clicks the payment confirmation on the payment confirmation page, the payment application establishes a Bluetooth connection between the smartwatch and the NFC device and synchronizes the user information of the smartwatch (such as payment account or payment code information, etc.) to the NFC device. After receiving the user information of the smartwatch, the NFC device initiates a payment process to the payment server.

[0049] In one or more embodiments of this specification, when detecting whether a wearable device is close to a near-field communication payment device, the issue of the reliability of the detection result needs to be considered. To prevent an incorrectly detected mobile device from being mis-triggered as a proximity device, information can be additionally carried in the characteristic wave to be provided to the mobile device.

[0050] Based on such an idea, after detection, description information about the other device (such as device type, device status, business intention, etc.) can be generated according to the specific detection situation. Then, the description information is carried in the characteristic wave (such as encoded in the waveform) and sent out. The mobile device that receives the characteristic wave identifies the description information and matches the description information with itself (itself refers to the situation of the other device itself). In the case of a match, it automatically turns on the closed near-field communication card reader. If there is no match, it can consider not continuing to respond to the characteristic wave. Of course, if the mobile device cannot correctly identify the characteristic wave at all, it will not continue to respond to the characteristic wave either, indicating that the mobile device is not the correct target of the near-field communication payment device.

[0051] Further, in order to better adapt to more different situations, the description information can be further refined. Based on this idea, one or more embodiments of this specification also provide a schematic flowchart of a matching scheme for characteristic waves. Refer to Figure 4 . This process is executed on the other device (such as a wearable device).

[0052] Figure 4 The process in S402: Receive the characteristic wave sent by the near-field communication payment terminal.

[0053] S404: Identify the characteristic wave, and identify the specified key information and non-key information carried by the characteristic wave. The key information includes the device type, and the non-key information includes the default payment method.

[0054] The device type may include a smart phone, a wearable device. Of course, more dimensions can be added for finer differentiation. For example, for wearable devices, further differentiate into adult smart watches, children's smart watches, etc. Also, differentiate different device manufacturer brands, and so on. The default payment method may include a payment method based on near-field communication. For other payment methods, other payment methods can also be further subdivided.

[0055] S406: Match the key information and the non-key information with itself respectively.

[0056] If they match, it means that the corresponding information inferred by the near-field communication payment terminal for the other device is correct.

[0057] S408: If both the key information and the non-key information match itself, automatically turn on the closed near-field communication card reader.

[0058] S410: If the key information matches itself while the non-key information does not match itself, do not turn on the near-field communication card reader first, but trigger the screen to light up to prompt the user, and respond according to the user's operation.

[0059] The reason for distinguishing key information and non-key information here is to improve fault tolerance, and to make it still possible to continue to be compatible and encourage the use of the other device for near-field communication payment when the non-key information inferred by the near-field communication payment terminal does not match.

[0060] For example, assume that the near-field communication payment terminal infers that the other device defaults to the near-field communication payment method, but in fact it is not. Then the corresponding non-key information will not match. However, through the screen lighting prompt, after obtaining the user's consent, the near-field communication payment method can be switched, so that the next payment process can continue.

[0061] In one or more embodiments of the present specification, wearable devices such as smartwatches are mainly considered. In actual applications, due to the popularity of smartphones, many users hold a smartphone in the same hand while wearing a smartwatch. Smartphones often also support payment based on near-field communication. In this case, since the smartphone is in the palm, it is in a more forward position compared to the smartwatch worn on the wrist. Therefore, when the user wants to use the smartwatch based on near-field communication, it is possible to accidentally trigger the smartphone; vice versa is also possible. Therefore, based on the characteristic wave solution of the present application, such a problem has been noticed and a corresponding solution has been provided to enable the near-field communication payment device to trigger the smartwatch or smartphone more reliably, reasonably, and intelligently, and avoid going against the true intention of the user.

[0062] Figure 5 It is a flowchart showing a characteristic wave processing solution for the coexistence of wearable devices and smartwatches provided for one or more embodiments of the present specification.

[0063] Figure 5 The process in S502: When it is detected that a wearable device is approaching the near-field communication payment device, it is also detected whether the user's hand where the wearable device is located holds a smartphone at the same time.

[0064] Here, the hand preferably refers to the same hand. If the wearable device and the smartphone are on different hands, it is not easy to accidentally trigger.

[0065] S504: After generating and sending a characteristic wave of a set mode to enable the wearable device to recognize the characteristic wave, if the user's hand where the wearable device is located holds a smartphone at the same time, it is judged whether the smartphone can be sensed by near-field communication.

[0066] In the case where the smartphone can be sensed by near-field, the smartphone may not have interacted with the near-field communication payment device through near-field communication, or it may be interacting. This judgment is mainly to speculate whether the user may want to use the smartphone for payment. If it can be sensed, such a possibility will increase and further analysis and processing need to be intervened. If it cannot be sensed yet, it can be initially considered that the user wants to use the wearable device for payment.

[0067] S506: If so (that is, if it is judged that the smartphone can be sensed by near-field communication), then the near-field communication interaction with the smartphone is delayed, and it is detected whether the wearable device approaches the near-field communication payment device within a set time limit to within a set payment willingness range.

[0068] In this case, since it has not been determined whether the user actually wants to use the smart phone for payment, or actually wants to use the smart watch for payment, but accidentally brings the smart phone too close while bringing the smart watch close, the near-field communication interaction with the smart phone is temporarily delayed to prevent accidentally triggering the payment process of the smart phone. At the same time, continue to speculate whether the user actually wants to use the smart watch for payment. For this purpose, a payment willingness range can be set. If the wearable device is brought close to the near-field communication payment device within the payment willingness range (that is, close enough, it is considered to have the willingness to pay), it is considered that it is basically determined that the user wants to use the smart watch for payment. To prevent the delay from being too long, a speculation time limit can be set. If the wearable device still does not enter the payment willingness range after exceeding the time limit, it is considered that the user is very likely to want to use the smart phone for payment.

[0069] In one or more embodiments of this specification, the payment willingness range can be set to be smaller to more reliably clarify the user's true intention. For example, the payment willingness range can be set to be less than, or even much less than, the near-field communication range between the smart phone and the near-field communication payment device, and / or less than, or even much less than, the near-field communication range between the wearable device and the near-field communication payment device. For example, within a few centimeters, and even touching the near-field communication payment device can be required.

[0070] S508: If not (that is, if it is not brought close to the near-field communication payment device within the set payment willingness range), immediately continue the near-field communication interaction with the smart phone to complete the payment process through the smart phone, and generate and send a second characteristic wave to make the wearable device automatically close the opened near-field communication card reader in response to the second characteristic wave.

[0071] In this case, it can be considered that the user actually wants to use the smart phone for payment. Therefore, the wearable device can be not used. To prevent wasting energy and prevent the wearable device from accidentally reading information from the near-field communication payment device, the wearable device can be actively triggered to close the near-field communication card reader in time through the second characteristic wave. The principle of the second characteristic wave can refer to the principle of the characteristic wave in the previous setting mode and shows different characteristics so that the wearable device can correctly identify and distinguish.

[0072] In one or more embodiments of the present specification, after detecting whether the wearable device is close to the near-field communication payment device within a set time limit and within a set payment willingness range, if so, it can be considered that the user wants to use the wearable device for payment, and the wearable device can be used to advance the subsequent payment process. Further, it can be determined whether a part of the near-field communication interaction with the smart phone has been performed and involves specified service data; if it has been performed, the smart phone is triggered to transfer the specified service data to the wearable device, so as to switch to the wearable device and continue the near-field communication interaction according to the specified service data for completing the payment process. In this way, regardless of whether the near-field communication interaction performed by the smart phone is caused by an error, it can still be effectively utilized, and it helps to improve the reliability and coordination of the entire payment process.

[0073] The above mainly describes from the perspective of the near-field communication payment device. Based on the same idea, one or more embodiments of the present specification also provide another payment service processing method for the wearable device, which is described from the perspective of the wearable device. Figure 6 It is a schematic flowchart of the other method.

[0074] Figure 6 The process in it includes the following steps: S602: When approaching the near-field communication payment device in response to a user operation, receive and identify the characteristic wave of a set mode sent by the near-field communication payment device.

[0075] S604: If the characteristic wave is correctly identified, automatically turn on the closed near-field communication card reader.

[0076] S606: After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, read payment information from the near-field communication payment device to trigger the opening of the payment application.

[0077] S608: Establish a Bluetooth connection with the near-field communication payment device through the payment application, and return user information to the near-field communication payment device through the Bluetooth connection, so that the near-field communication payment device advances the payment process according to the user information.

[0078] Specifically, it can be understood with reference to the previous description and will not be elaborated here.

[0079] Based on the same idea, one or more embodiments of the present specification also provide the corresponding device and equipment for the above method, as Figures 7 - 10 shown. The device and equipment can correspondingly execute the above method and related alternative solutions.

[0080] Figure 7A schematic structural diagram of a payment service processing device for a wearable device provided by one or more embodiments of this specification. The device is applied to a near-field communication payment terminal, and the device includes: A proximity detection module 702 that detects whether a wearable device is approaching the near-field communication payment terminal; A characteristic wave sending module 704. If so, it generates and sends a characteristic wave of a set pattern, so that the wearable device can identify the characteristic wave. If the characteristic wave is correctly identified, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment terminal through the turned-on near-field communication card reader, it reads payment information from the near-field communication payment terminal to trigger the opening of the payment application; A Bluetooth connection module 706 that establishes a Bluetooth connection with the wearable device through the payment application on the wearable device; A payment promotion module 708 that receives user information returned by the payment application through the Bluetooth connection and promotes the payment process according to the user information.

[0081] Optionally, the characteristic wave sending module 704 determines the moment when it detects that a wearable device is approaching the near-field communication payment terminal as the sensing moment; Determine a set pattern indicating a delay duration, a pulse width, a pulse interval, and a number of pulses; Starting from the sensing moment, after delaying for the delay duration, it sends the number of pulses with the pulse width and the pulse interval as the characteristic wave of the set pattern.

[0082] Optionally, after the characteristic wave sending module 704 sends the characteristic wave of the set pattern, it determines whether the near-field communication payment terminal is currently operating in card reader mode; If so, it switches to the dynamic tag mode to wait for the wearable device to read.

[0083] Optionally, the characteristic wave sending module 704 sends a characteristic wave carrying description information about the wearable device, so that a mobile device that receives the characteristic wave can identify the description information and match the description information with itself. In the case of a match, it automatically turns on the closed near-field communication card reader; Wherein, the description information is generated according to the detection.

[0084] Optionally, the matching of the description information with itself and automatically turning on the closed near-field communication card reader in the case of a match specifically includes: Determine the specified key information and non-key information included in the description information and match them with itself. The key information includes the device type, and the non-key information includes the default payment method; If both the key information and the non-key information match itself, automatically turn on the closed near-field communication card reader; If the key information matches itself while the non-key information does not match itself, do not turn on the near-field communication card reader first, but trigger itself to light up the screen to prompt the user and respond according to the user's operation.

[0085] Optionally, the Bluetooth connection module 706 receives a connection request sent by the payment application on the wearable device after the user confirms the payment. Among them, the payment confirmation is performed in the payment confirmation page displayed after the payment application is opened; In response to the connection request, establish a Bluetooth connection with the wearable device.

[0086] Optionally, the proximity detection module 702 also performs: Detect whether the user's hand where the wearable device is located holds a smart phone at the same time; After the feature wave sending module 704 generates and sends a feature wave of a set mode to enable the wearable device to identify the feature wave, if the user's hand where the wearable device is located holds a smart phone at the same time, determine whether the smart phone can be sensed by near-field communication; If so, delay continuing the near-field communication interaction with the smart phone, and detect whether the wearable device approaches the near-field communication payment device within a set time limit to a set payment willingness range; If not, immediately continue the near-field communication interaction with the smart phone to complete the payment process through the smart phone, and generate and send a second feature wave to enable the wearable device to automatically close the opened near-field communication card reader in response to the second feature wave.

[0087] Optionally, after the proximity detection module 702 detects whether the wearable device approaches the near-field communication payment device within a set time limit to a set payment willingness range, if so, determine whether a part of the near-field communication interaction has been performed with the smart phone and involves specified service data; If it has been performed, trigger the smart phone to transfer the specified service data to the wearable device to switch to the wearable device and continue the near-field communication interaction according to the specified service data to complete the payment process.

[0088] Optionally, the payment willingness range is smaller than the near-field communication range between the smart phone and the near-field communication payment device, and is also smaller than the near-field communication range between the wearable device and the near-field communication payment device.

[0089] Figure 8 FIG. 4 is a schematic structural diagram of another payment service processing device for a wearable device provided by one or more embodiments of the present specification. The device is applied to a wearable device and includes: S802: When approaching the near-field communication payment device in response to a user operation, receive and identify a characteristic wave of a set mode sent by the near-field communication payment device; S804: A card reader opening module, if the characteristic wave is correctly identified, automatically opens the closed near-field communication card reader; S806: A reading trigger module, after entering the near-field communication range of the near-field communication payment device through the opened near-field communication card reader, reads payment information from the near-field communication payment device to trigger the opening of a payment application; S808: A Bluetooth connection module, through the payment application, establishes a Bluetooth connection with the near-field communication payment device, and returns user information to the near-field communication payment device through the Bluetooth connection, so that the near-field communication payment device advances the payment process according to the user information.

[0090] Figure 9 FIG. 5 is a schematic structural diagram of a payment service processing device for a wearable device provided by one or more embodiments of the present specification. The device is applied to a near-field communication payment device, and the payment service processing device includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute: Control the NFC card reader on the offline smart wearable device to be in a closed state; Detect whether a wearable device approaches the near-field communication payment device; If so, generate and send a characteristic wave of a set mode, so that the wearable device can identify the characteristic wave. If the characteristic wave is correctly identified, the wearable device automatically opens the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the opened near-field communication card reader, read payment information from the near-field communication payment device to trigger the opening of a payment application; Establish a Bluetooth connection with the wearable device through the payment application on the wearable device; Receive the user information returned by the payment application via the Bluetooth connection, and advance the payment process based on the user information.

[0091] Figure 10 As another structural schematic diagram of a payment service processing device for a wearable device provided in one or more embodiments of this specification, which is applied to a wearable device. The payment service processing device includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor. When the instructions are executed by the at least one processor, the at least one processor is enabled to execute: When approaching the near-field communication payment device in response to a user operation, receive and identify the characteristic wave of a set mode sent by the near-field communication payment device; If the characteristic wave is correctly identified, automatically turn on the closed near-field communication card reader; After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, read payment information from the near-field communication payment device to trigger the opening of the payment application; Establish a Bluetooth connection with the near-field communication payment device through the payment application, and return user information to the near-field communication payment device via the Bluetooth connection, so that the near-field communication payment device advances the payment process based on the user information.

[0092] Based on the same concept, one or more embodiments of this specification also provide a non-volatile computer storage medium, which is applied to a near-field communication payment device. The medium stores computer-executable instructions, and the computer-executable instructions are set as: Detect whether a wearable device is approaching the near-field communication payment device; If so, generate and send a characteristic wave of a set mode, so that the wearable device can identify the characteristic wave. If the characteristic wave is correctly identified, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, read payment information from the near-field communication payment device to trigger the opening of the payment application; Establish a Bluetooth connection with the wearable device through the payment application on the wearable device; Receive the user information returned by the payment application via the Bluetooth connection, and advance the payment process based on the user information.

[0093] One or more embodiments of this specification also provide another non-volatile computer storage medium, which is applied to a wearable device. The medium stores computer-executable instructions, and the computer-executable instructions are configured to: When approaching the near-field communication payment device in response to a user operation, receive and identify a characteristic wave of a set mode sent by the near-field communication payment device; If the characteristic wave is correctly identified, automatically turn on the near-field communication card reader that has been turned off; After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, read payment information from the near-field communication payment device to trigger the opening of a payment application; Establish a Bluetooth connection with the near-field communication payment device through the payment application, and return user information to the near-field communication payment device through the Bluetooth connection, so that the near-field communication payment device can advance the payment process according to the user information.

[0094] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many method flow improvements today can be regarded as direct improvements to hardware circuit structures. Almost all designers obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement to a method flow cannot be implemented using a hardware entity module. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is an integrated circuit whose logical function is determined by the user programming the device. Designers can program themselves to "integrate" a digital system onto a single PLD, without having to ask a chip manufacturer to design and fabricate a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly implemented using "logic compiler" software, which is similar to the software compilers used in program development and writing. The original code before compilation also has to be written in a specific programming language, which is called a Hardware Description Language (HDL), and there is not just one type of HDL, but many, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. Currently, the most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be aware that by simply performing a little logical programming on the method flow using the above-mentioned several hardware description languages and programming it into an integrated circuit, it is easy to obtain the hardware circuit that implements the logical method flow.

[0095] The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of the controller include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that, in addition to implementing the controller in the form of pure computer-readable program code, it is entirely possible to make the controller implement the same function in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be regarded as the structures within the hardware component. Or even, the devices for implementing various functions can be regarded as either software modules for implementing the method or structures within the hardware component.

[0096] The systems, devices, modules, or units illustrated in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or any combination of these devices.

[0097] For the convenience of description, when describing the above devices, they are described separately as various units according to their functions. Of course, when implementing this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0098] Those skilled in the art should understand that the embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, the embodiments of this specification can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the embodiments of this specification can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program code.

[0099] This specification is described with reference to the flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and combinations of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, special-purpose computers, embedded processors, or other programmable data processing devices to produce a machine, such that the instructions executed by the processors of the computer or other programmable data processing devices produce means for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in one block or multiple blocks.

[0100] 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, such that the instructions stored in the computer-readable memory produce a manufactured article including instruction means that implement the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in one block or multiple blocks.

[0101] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to produce a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or means for implementing the functions specified in one block or multiple blocks.

[0102] It should also be noted that the term "including", "comprising", or any other variant thereof is intended to cover non-exclusive inclusion, such that a process, method, commodity, or device including a series of elements not only includes those elements but also includes other elements not explicitly listed, or elements inherent to such process, method, commodity, or device. Without further limitation, an element defined by the statement "including one..." does not exclude the existence of additional identical elements in the process, method, commodity, or device including the said element.

[0103] Each embodiment in this specification is described in a progressive manner. The same or similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the embodiments of devices, equipment, and non-volatile computer storage media, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the corresponding descriptions in the method embodiments.

[0104] The above describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the acts or steps recited in the claims may be performed in a different order than in the embodiments and still achieve the desired result. Additionally, the processes depicted in the figures do not necessarily require the particular order shown or sequential order to achieve the desired result. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0105] The foregoing is only one or more embodiments of this specification and is not intended to limit this specification. For those skilled in the art, various modifications and variations can be made to one or more embodiments of this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of this specification shall be included within the scope of the claims of this specification.

Claims

1. A payment service processing method for a wearable device, applied to a near field communication payment machine, the method comprising: Detecting whether a wearable device is close to the near field communication payment machine; If yes, a characteristic wave of a set mode is generated and sent so that the wearable device can recognize the characteristic wave. If the characteristic wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader, and after entering the near-field communication range of the near-field communication payment machine, the wearable device reads payment information from the near-field communication payment machine to trigger the opening of the payment application through the turned-on near-field communication card reader; Establishing a Bluetooth connection with the wearable device through the payment application on the wearable device; Receive user information returned by the payment application through the Bluetooth connection, and advance the payment process according to the user information.

2. The method according to claim 1, wherein the sending of the characteristic wave of the setting mode specifically comprises: Determining a moment when a wearable device is detected to be close to the near-field communication payment machine as a sensing moment; Determine the setting mode indicating the delay time, pulse width, pulse interval and pulse number; Starting from the sensing moment, after delaying for the delay time, the pulse number of pulses with the pulse width and the pulse interval are sent as the characteristic wave of the set mode.

3. The method according to claim 1, after sending the characteristic wave of the setting mode, the method further comprises: Determining whether the near field communication payment machine is currently operating in a card reader mode; If so, switch to dynamic tag mode to wait for the wearable device to read.

4. The method according to claim 1, wherein the sending of the characteristic wave of the setting mode specifically comprises: Sending a characteristic wave carrying description information of the wearable device, so that a mobile device receiving the characteristic wave can identify the description information and match the description information with itself, and automatically turn on a closed near field communication card reader when a match is found; The description information is generated according to the detection.

5. The method according to claim 4, wherein matching the description information with itself and automatically opening the closed near field communication card reader when a match occurs, specifically comprises: Determine the specified key information and non-key information contained in the description information and match it with itself, the key information includes the device type, and the non-key information includes the default payment method; If both the key information and the non-key information match themselves, the closed near field communication card reader is automatically turned on; If the key information matches itself, but the non-key information does not match itself, the near field communication card reader is not turned on first, but the screen is triggered to light up to prompt the user, and respond according to the user operation.

6. The method according to claim 1, wherein establishing a Bluetooth connection with the wearable device through the payment application on the wearable device specifically comprises: Receiving a connection request sent by the payment application on the wearable device after the user confirms payment, wherein the payment confirmation is performed in a payment confirmation page displayed by the payment application after the opening; In response to the connection request, a Bluetooth connection is established with the wearable device.

7. The method according to claim 1, wherein the detecting whether a wearable device is close to the near field communication payment machine further comprises: Detecting whether the user of the wearable device also holds a smart phone; After generating and sending the characteristic wave of the set mode so that the wearable device can recognize the characteristic wave, the method further includes: If the user of the wearable device also holds a smart phone in his hand, determining whether the smart phone can be sensed by near field communication; If yes, then delay continuing the NFC interaction with the smartphone and detect whether the wearable device is close to the NFC payment machine within a set time limit and within a set payment willingness range; If not, immediately continue to perform near field communication interaction with the smartphone to complete the payment process through the smartphone, and generate and send a second characteristic wave so that the wearable device responds to the second characteristic wave and automatically closes the opened near field communication card reader.

8. The method according to claim 7, after detecting whether the wearable device is close to the near field communication payment machine within a set time limit and within a set payment willingness range, the method further comprises: If so, determining whether a portion of near field communication interaction has been performed with the smartphone and involves designated business data; If it has been done, the smart phone is triggered to transfer the specified business data to the wearable device, so as to switch to the wearable device and continue the near field communication interaction according to the specified business data to complete the payment process.

9. According to the method as claimed in claim 7, the payment willingness range is smaller than the near-field communication range between the smart phone and the near-field communication payment machine, and smaller than the near-field communication range between the wearable device and the near-field communication payment machine.

10. A payment service processing method for a wearable device, applied to the wearable device, the method comprising: In response to a user operation, when approaching the near field communication payment machine, receiving and identifying a characteristic wave of a set mode sent by the near field communication payment machine; If the characteristic wave is correctly identified, the closed near field communication card reader is automatically turned on; After entering the NFC range of the NFC payment machine, the NFC card reader is turned on to read payment information from the NFC payment machine to trigger the opening of the payment application; Through the payment application, a Bluetooth connection is established with the near-field communication payment machine, and user information is returned to the near-field communication payment machine through the Bluetooth connection, so that the near-field communication payment machine advances the payment process according to the user information.

11. A payment service processing device for a wearable device, applied to a near field communication payment machine, the device comprising: A proximity detection module, detecting whether a wearable device is close to the near field communication payment machine; The characteristic wave sending module generates and sends a characteristic wave of a set mode so that the wearable device can recognize the characteristic wave. If the characteristic wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader, and after entering the near-field communication range of the near-field communication payment machine, the wearable device reads payment information from the near-field communication payment machine to trigger the opening of the payment application through the turned-on near-field communication card reader; A Bluetooth connection module, which establishes a Bluetooth connection with the wearable device through the payment application on the wearable device; The payment promotion module receives the user information returned by the payment application through the Bluetooth connection and promotes the payment process according to the user information.

12. The device according to claim 11, wherein the characteristic wave sending module determines the moment when a wearable device is detected to be close to the near field communication payment machine as the sensing moment; Determine the setting mode indicating the delay time, pulse width, pulse interval and pulse number; Starting from the sensing moment, after delaying for the delay time, the pulse number of pulses with the pulse width and the pulse interval are sent as the characteristic wave of the set mode.

13. The device according to claim 11, wherein the characteristic wave sending module determines whether the near field communication payment machine is currently operating in a card reader mode after sending the characteristic wave of the setting mode; If so, switch to dynamic tag mode to wait for the wearable device to read.

14. The device according to claim 11, wherein the characteristic wave sending module sends characteristic waves carrying description information of the wearable device, so that a mobile device receiving the characteristic wave can identify the description information and match the description information with itself, and automatically turn on a closed near field communication card reader when a match is found; in, The description information is generated based on the detection.

15. The device of claim 14, wherein matching the description information with the device and automatically opening a closed near field communication card reader when a match occurs, specifically comprises: Determine the specified key information and non-key information contained in the description information and match it with itself, the key information includes the device type, and the non-key information includes the default payment method; If both the key information and the non-key information match themselves, the closed near field communication card reader is automatically turned on; If the key information matches itself, but the non-key information does not match itself, the near field communication card reader is not turned on first, but the screen is triggered to light up to prompt the user, and respond according to the user operation.

16. The apparatus according to claim 11, wherein the Bluetooth connection module receives a connection request sent by the payment application on the wearable device after the user confirms the payment, wherein: The payment confirmation is performed in a payment confirmation page displayed by the payment application after the opening; In response to the connection request, a Bluetooth connection is established with the wearable device.

17. The device according to claim 11, wherein the proximity detection module further performs: Detecting whether the user of the wearable device also holds a smart phone; The characteristic wave sending module, after generating and sending the characteristic wave of the set mode so that the wearable device recognizes the characteristic wave, determines whether the smart phone can be sensed by near field communication if the user of the wearable device also holds a smart phone in his hand; If yes, then delay continuing the NFC interaction with the smartphone and detect whether the wearable device is close to the NFC payment machine within a set time limit and within a set payment willingness range; If not, immediately continue to perform near field communication interaction with the smartphone to complete the payment process through the smartphone, and generate and send a second characteristic wave so that the wearable device responds to the second characteristic wave and automatically closes the opened near field communication card reader.

18. The apparatus of claim 17, wherein the proximity detection module, after detecting whether the wearable device is close to the near field communication payment machine within a set time limit and within a set payment willingness range, determines whether a part of the near field communication interaction with the smartphone has been carried out and involves the specified business data; If it has been done, the smart phone is triggered to transfer the specified business data to the wearable device, so as to switch to the wearable device and continue the near field communication interaction according to the specified business data to complete the payment process.

19. In the apparatus as described in claim 17, the payment willingness range is smaller than the near-field communication range between the smart phone and the near-field communication payment machine, and smaller than the near-field communication range between the wearable device and the near-field communication payment machine.

20. A payment service processing device for a wearable device, applied to the wearable device, the device comprising: a characteristic wave recognition module, which receives and recognizes a characteristic wave of a set mode sent by the near-field communication payment machine when approaching the near-field communication payment machine in response to a user operation; The card reader opening module automatically opens the closed near field communication card reader if the characteristic wave is correctly identified; a reading trigger module, which reads payment information from the NFC payment machine to trigger opening of a payment application after entering the NFC range of the NFC payment machine through the opened NFC card reader; The Bluetooth connection module establishes a Bluetooth connection with the near-field communication payment machine through the payment application, and returns user information to the near-field communication payment machine through the Bluetooth connection, so that the near-field communication payment machine advances the payment process according to the user information.

21. A payment service processing device for a wearable device, applied to a near field communication payment machine, the payment service processing device comprising: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute: Detecting whether a wearable device is close to the near field communication payment machine; If yes, a characteristic wave of a set mode is generated and sent so that the wearable device can recognize the characteristic wave. If the characteristic wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader, and after entering the near-field communication range of the near-field communication payment machine, the wearable device reads payment information from the near-field communication payment machine to trigger the opening of the payment application through the turned-on near-field communication card reader; Establishing a Bluetooth connection with the wearable device through the payment application on the wearable device; Receive user information returned by the payment application through the Bluetooth connection, and advance the payment process according to the user information.

22. A payment service processing device for a wearable device, applied to the wearable device, the payment service processing device comprising: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to execute: In response to a user operation, when approaching the near field communication payment machine, receiving and identifying a characteristic wave of a set mode sent by the near field communication payment machine; If the characteristic wave is correctly identified, the closed near field communication card reader is automatically turned on; After entering the NFC range of the NFC payment machine, the NFC card reader reads payment information from the NFC payment machine to trigger the opening of the payment application; Through the payment application, a Bluetooth connection is established with the near-field communication payment machine, and user information is returned to the near-field communication payment machine through the Bluetooth connection, so that the near-field communication payment machine advances the payment process according to the user information.

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