Payment service processing method, apparatus and device for wearable device

Abstract

The embodiments of the present specification disclose a payment service processing scheme for a wearable device. The scheme applied to a near field communication payment machine includes: detecting whether a wearable device is close to the near field communication payment machine; if yes, generating and sending a characteristic wave of a set mode to enable the wearable device to identify the characteristic wave, and if the characteristic wave is correctly identified, the wearable device automatically opens a closed near field communication card reader, reads payment information from the near field communication payment machine through the opened near field communication card reader to trigger the opening of a payment application, establishes a Bluetooth connection with the wearable device through the payment application on the wearable device, receives user information returned by the payment application through the Bluetooth connection, and promotes the payment process according to the user information.

Description

Technical Field

[0001] This specification relates to the field of near field communication technology, and in particular to payment service processing methods, devices, and equipment for wearable devices. Background Art

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

[0003] QR codes are now widely used in payment and other business areas. However, in practice, for some users or in some scenarios, QR code-based payment is relatively cumbersome. With the increase in mobile terminals with near-field communication capabilities, especially smartphones, many smartphones support NFC payment. In addition to the popularity of smartphones, wearable devices are also increasing, mainly smart watches.

[0004] Currently, on smartwatches that support NFC, the NFC card reader is disabled by default due to power consumption concerns. Users must manually tap the smartwatch to light up the screen, then open the payment app, and then tap into the provided NFC payment page within the payment app. The payment app then calls the appropriate system API to activate the NFC card reader, and then touch the smartwatch to the NFC payment device to enable NFC payment. This solution, as you can see, is quite complex, requiring users to access the payment app and open the NFC payment page before making a payment.

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

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

[0007] To solve the above technical problems, one or more embodiments of this specification are implemented as follows:

[0008] One or more embodiments of this specification provide a payment service processing method for a wearable device, which is applied to a near-field communication payment machine. The method includes:

[0009] Detecting whether a wearable device is close to the near-field communication payment machine;

[0010] If so, a characteristic wave of a set pattern 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 a closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device, the wearable device reads payment information from the near-field communication payment device through the turned-on near-field communication card reader to trigger the opening of a payment application.

[0011] Establishing a Bluetooth connection with the wearable device through the payment application on the wearable device;

[0012] Receive user information returned by the payment application through the Bluetooth connection, and advance the payment process according to the user information.

[0013] Another payment service processing method for a wearable device provided in one or more embodiments of this specification is applied to the wearable device, and the method includes:

[0014] When approaching the near-field communication payment device in response to a user operation, receiving and identifying a characteristic wave of a set pattern sent by the near-field communication payment device;

[0015] If the characteristic wave is correctly identified, the closed near field communication card reader is automatically turned on;

[0016] After entering the NFC range of the NFC payment device, the NFC card reader reads payment information from the NFC payment device to trigger the opening of the payment application;

[0017] 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.

[0018] One or more embodiments of this specification provide a payment service processing device for a wearable device, which is applied to a near-field communication payment machine. The device includes:

[0019] A proximity detection module detects whether a wearable device is close to the near-field communication payment machine;

[0020] a characteristic wave sending module, if yes, generating and sending a characteristic wave of a set pattern so that the wearable device can recognize the characteristic wave; if the characteristic wave is correctly recognized, the wearable device automatically opens a closed near-field communication card reader, and 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;

[0021] A Bluetooth connection module, for establishing a Bluetooth connection with the wearable device through the payment application on the wearable device;

[0022] 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.

[0023] One or more embodiments of this specification provide a payment service processing device for a wearable device, which is applied to the wearable device. The device includes:

[0024] a characteristic wave recognition module, which receives and recognizes a characteristic wave of a set pattern transmitted by the near-field communication payment device when the device approaches the near-field communication payment device in response to a user operation;

[0025] The card reader opening module automatically opens the closed near field communication card reader if the characteristic wave is correctly identified;

[0026] a reading trigger module, which reads payment information from the NFC payment device via the opened NFC card reader after entering the NFC range of the NFC payment device to trigger the opening of the payment application;

[0027] 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.

[0028] One or more embodiments of this specification provide a payment service processing device for wearable devices, which is applied to near-field communication payment machines. The payment service processing device includes:

[0029] at least one processor; and,

[0030] a memory communicatively connected to the at least one processor; wherein,

[0031] The memory stores instructions executable by the at least one processor, wherein the instructions are executed by the at least one processor to enable the at least one processor to perform:

[0032] Detecting whether a wearable device is close to the near-field communication payment machine;

[0033] If so, a characteristic wave of a set pattern 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 a closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device, the wearable device reads payment information from the near-field communication payment device through the turned-on near-field communication card reader to trigger the opening of a payment application.

[0034] Establishing a Bluetooth connection with the wearable device through the payment application on the wearable device;

[0035] Receive user information returned by the payment application through the Bluetooth connection, and advance the payment process according to the user information.

[0036] One or more embodiments of this specification provide a payment service processing device for a wearable device, which is applied to the wearable device. The payment service processing device includes:

[0037] at least one processor; and,

[0038] a memory communicatively connected to the at least one processor; wherein,

[0039] The memory stores instructions executable by the at least one processor, wherein the instructions are executed by the at least one processor to enable the at least one processor to perform:

[0040] When approaching the near-field communication payment device in response to a user operation, receiving and identifying a characteristic wave of a set pattern sent by the near-field communication payment device;

[0041] If the characteristic wave is correctly identified, the closed near field communication card reader is automatically turned on;

[0042] After entering the NFC range of the NFC payment device, the NFC card reader reads payment information from the NFC payment device to trigger the opening of the payment application;

[0043] 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.

[0044] At least one of the above-mentioned technical solutions adopted in one or more embodiments of this specification can achieve the following beneficial effects: the near-field communication payment machine can actively detect the approach behavior of the wearable device, and accordingly send a special signal, that is, the characteristic wave of the set mode, to trigger the wearable device to automatically turn on the near-field communication card reader that is closed by default in response to the characteristic wave. As a result, the user does not need to manually perform a series of more tedious 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 machine to make payment. Therefore, it is more convenient and will not increase the energy consumption burden on the wearable device. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0046] Figure 1 A flowchart of a payment service processing method for a wearable device provided in one or more embodiments of this specification;

[0047] Figure 2 A schematic diagram of a characteristic wave of a setting mode provided in one or more embodiments of this specification;

[0048] Figure 3 In an application scenario provided by one or more embodiments of this specification, Figure 1 A schematic flow chart of an embodiment of the method;

[0049] Figure 4 A schematic flow chart of a matching solution for characteristic waves provided in one or more embodiments of this specification;

[0050] Figure 5 A flowchart of a characteristic wave processing solution for the coexistence of wearable devices and smart watches provided in one or more embodiments of this specification;

[0051] Figure 6 A flowchart of another payment service processing method for a wearable device provided in one or more embodiments of this specification;

[0052] Figure 7 A schematic diagram of the structure of a payment service processing device for wearable devices provided in one or more embodiments of this specification;

[0053] Figure 8 A schematic structural diagram of another payment service processing device for wearable devices provided in one or more embodiments of this specification;

[0054] Figure 9 A schematic diagram of the structure of a payment service processing device for wearable devices provided in one or more embodiments of this specification;

[0055] Figure 10 A schematic structural diagram of another payment service processing device for wearable devices provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0056] The embodiments of this specification provide a payment service processing method, apparatus, device, and storage medium for wearable devices.

[0057] 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 drawings in the embodiments of this specification. Obviously, the embodiments described are only part of the embodiments of this application, not all of the embodiments. Based on the embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this application.

[0058] The wearable devices (or wearable devices) referred to in this application are intelligent electronic devices with near-field communication (NFC) and Bluetooth functions (Bluetooth can also be replaced with other NFC functions). These are typically smart watches, but can also include devices such as smart bracelets and smart rings. Furthermore, they are preferably devices with screens, which further enhance the convenience of operation when the screen is off.

[0059] Compared to smartphones, wearable devices typically have significantly smaller screens or no screen at all, and often have lower battery and processing power. Therefore, they are more sensitive to energy consumption and computational burdens. Consequently, some manufacturers disable NFC card readers on wearable devices by default. For example, with smartwatches, to use NFC payment, users need to install the corresponding payment app on their smartwatch. When they visit a merchant and want to pay, they must manually open the payment app and then click on the provided NFC payment page within the payment app. The payment app then calls the corresponding system interface to open the NFC card reader. Only then can the smartwatch be touched to the NFC payment device for NFC payment to be processed. This operation is quite cumbersome, especially when the smartwatch is in the screen-off state, requiring the screen to be turned on before the operation is completed, making it even more cumbersome.

[0060] Based on such background, the present application creates a payment service processing scheme more suitable for wearable devices (taking a smart watch as a typical example), which mainly involves a wearable device (a user's device) and a near field communication payment machine (usually a merchant's cash register or its extended device).

[0061] Figure 1 A flowchart of a payment service processing method for a wearable device provided for one or more embodiments of the present specification is described from the perspective of a near field communication payment machine. Correspondingly, the execution subject of the flowchart can include a near field communication payment machine, and on the software level, it can include a machine-side program provided by a payment application provider.

[0062] Figure 1 The flowchart in the above embodiment includes the following steps:

[0063] S102: Detect whether a wearable device is close to the near field communication payment machine.

[0064] In one or more embodiments of the present specification, the NFC card reader on the wearable device is closed by default. In the closed state, the wearable device does not actively attempt to perform NFC card reading operations and does not actively monitor whether there is a near field communication sensing object close by, which can effectively reduce the energy consumption of the wearable device.

[0065] The near field communication payment machine detects whether a suspected user device that wants to pay is close to the near field communication payment machine through means such as a time of flight (Time of Flight, ToF) sensor or a motion detection camera. Since the scheme of the present application is also applicable to smart phones, the present application can determine whether to specifically identify and distinguish the close-by device as a wearable device, a smart phone, or other suspected devices in advance according to actual needs during detection. If no distinction is made (for example, the close-by device is a wearable device by default), this step is simpler and more efficient. If a distinction is made, it helps to ensure that the subsequent steps are more reliably executed.

[0066] It should be noted that for the case of distinguishing, the present application further provides a more in-depth improvement scheme, which will be described later.

[0067] In one or more embodiments of the present specification, the detection action can be performed before the wearable device enters the near field communication range of the near field communication payment machine, so as to prepare in advance for possible near field communication interaction. In this case, the detection action can be independent of the near field communication capability of the near field communication payment machine.

[0068] S104: If so, 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 opens the closed near-field communication card reader, and through the opened near-field communication card reader, after entering the near-field communication range of the near-field communication payment machine, reads the payment information from the near-field communication payment machine to trigger the opening of the payment application.

[0069] In one or more embodiments of this specification, a new electromagnetic wave with a mode set according to actual needs is proposed, which is called a characteristic wave, and is used to trigger a nearby wearable device to automatically open a near-field communication card reader. It should be noted that the near-field communication device will also emit a corresponding induction signal in order to perform near-field communication sensing. 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 machine in response to the above-mentioned detection result. It can be seen that their uses are different. Moreover, the range of action of the characteristic wave can preferably be greater than the range of action of the induction signal, which helps to prepare in advance.

[0070] Furthermore, to improve reliability and transmission efficiency, the characteristic wave may not be generated by the NFC module of the NFC payment device (conversely, if it is generated by the NFC module, it must be more clearly distinguished from the sensing signal to avoid signal confusion and affect recognition). In this case, it can be generated by other modules on the NFC payment device. Similarly, the transmitting antenna can also be different.

[0071] A characteristic wave is characterized by its appearance, or by information encoded within it according to a set coding rule, to facilitate wearable device recognition. The characteristic wave pattern can be pre-set or set based on current conditions (e.g., proximity to the wearable device).

[0072] Of course, in order to support the generation, transmission, recognition, and corresponding response of characteristic waves, the software on the near-field communication payment device and / or wearable device needs to be updated and upgraded in advance. For wearable devices, this can be done at the operating system level or at the payment application level. In the latter case, after the update, it is preferred that the payment application can still process the characteristic waves through a specific process (which can be a background process) even when the wearable device is in the screen-off state, without the user having to manually turn on the wearable device and manually open the payment application.

[0073] In order to make the characteristic wave more convenient to generate and identify, a specific pulse can be included in the characteristic wave, which is mainly expressed by the characteristics of the pulse. For example, the time when the wearable device is detected to be close to the near field communication payment tool is determined as the sensing time; the setting mode indicating the delay time length, the pulse width, the pulse interval and the pulse number is determined; and the pulse number of pulses with the pulse width and the pulse interval are sent after the delay of the delay time length from the sensing time, as the characteristic wave of the setting mode. Similarly, such a characteristic wave can be repeatedly sent multiple times. The delay time length here helps to ensure that the wearable device more reliably receives the characteristic wave, which can be set as needed, or even the corresponding pulse can be sent immediately as the characteristic wave without delay.

[0074] Intuitively, one or more embodiments of the present specification provide a schematic diagram of the characteristic wave of the setting mode, see Figure 2 . Figure 2 The above several parameters are exemplarily assigned in the

[0075] In the Figure 2 , the longest horizontal line represents the time axis; the leftmost vertical line represents the time when the near field communication payment tool detects the event of the wearable device being close. T1 represents the pulse width, which is 25 microseconds; T2 represents the pulse interval, which is 10 milliseconds; T3 represents the delay time length, which is 350 milliseconds; and the pulse number is 3.

[0076] Under such exemplary parameters, that is, the near field communication payment tool, from the time when the event of the wearable device being close is detected, delays for 350 milliseconds, and then sends 3 pulses with a width of 25 microseconds at intervals of 10 milliseconds, which can be round-robin, sent once or more, as the characteristic wave of the setting mode, enters the state of waiting to be read, such as entering the dynamic tag state.

[0077] And the wearable device receives the characteristic wave, identifies the three pulses and determines that they conform to the setting mode, it can be considered that the characteristic wave is correctly identified, so that the near field communication card reader of the wearable device can be opened in response to the characteristic wave, in preparation for reading the dynamic tag information provided by the near field communication payment tool.

[0078] In one or more embodiments of the present specification, the near field communication payment tool also supports the card reader mode, so that the user's IC card can be read, or the smart phone device working in the analog card mode can be read. Based on such a situation, more reliably, after sending the characteristic wave of the setting mode, it is necessary to determine that the near field communication payment tool is working in the correct mode, for example, it can be judged whether the near field communication payment tool is currently working in the card reader mode; if so, it is automatically switched to the dynamic tag mode to wait for the wearable device to read.

[0079] In one or more embodiments of this specification, when a detection result is determined and a characteristic wave triggers the wearable device to automatically open a closed NFC card reader, the wearable device may have already entered the NFC range of the NFC payment device (this may be the case if the proximity criteria for detection are strict), or it may not have yet entered the NFC range of the NFC payment device. In the latter case, the user needs to further move the wearable device closer to the NFC card reader until it enters the NFC range of the NFC payment device. Once within the NFC range, the NFC payment device is treated as a readable tag based on the already open NFC card reader, and the current payment information is read from the tag. The corresponding payment application is then opened and the read payment information is submitted to the payment application for processing. The payment information is, for example, entered by a cashier or dynamically written to the tag based on self-checkout input.

[0080] The payment application prompts the user based on the payment information to prevent accidental payment, and continues to proceed with the payment after the user confirms.

[0081] S106: Establishing a Bluetooth connection with the wearable device through the payment application on the wearable device.

[0082] Generally, after a user touches a wearable device to a near-field communication payment machine, he or she will quickly take it away. Therefore, the time window for near-field communication interaction between the two devices is short. In order to continue the interaction more reliably, a Bluetooth connection is established between the two devices through interaction within this time window (for example, obtaining the corresponding Bluetooth identifier). In this way, if subsequent interactions can be carried out through the Bluetooth connection, even if the user takes away the wearable device, as long as he or she is still next to the near-field communication payment machine, reliable interaction can still be achieved.

[0083] For example, the payment app on the wearable device receives a connection request sent after the user confirms payment, where the payment confirmation is performed on the payment confirmation page displayed after the payment app is opened; in response to the connection request, a Bluetooth connection is established with the wearable device. This prevents both erroneous payments and connections; and after the payment is completed, the Bluetooth connection can be automatically disconnected.

[0084] S108: Receive the user information returned by the payment application through the Bluetooth connection, and advance the payment process according to the user information.

[0085] Based on user information, the NFC payment device can interact with the payment application's server to request a deduction from the user, allowing the user to complete the payment. Of course, in poor network conditions, the NFC payment device can also use offline payment methods (for example, delaying the deduction or triggering the wearable device to actively transfer the payment to the corresponding merchant, in which case the wearable device can switch to continue the payment) to facilitate the payment process.

[0086] pass Figure 1 The method is that the near-field communication payment machine can actively detect the approach of the wearable device and send a special signal accordingly, that is, the characteristic wave of the set mode, to trigger the wearable device to automatically turn on the near-field communication card reader that is closed by default in response to the characteristic wave. As a result, the user does not need to manually perform a series of tedious 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 machine to make payment. Therefore, it is more convenient and will not increase the energy consumption burden on the wearable device.

[0087] based on Figure 1 This specification also provides some specific implementation plans and extension plans of the method, which will be described below.

[0088] In one or more embodiments of this specification, for a more intuitive understanding, an application scenario is provided: Figure 1 A schematic diagram of an embodiment of the method is shown in FIG. Figure 3 In this application scenario, it involves users, wearable devices such as smart watches (as the above-mentioned wearable devices), NFC devices (as the above-mentioned near-field communication payment devices), wearable device payments (as the above-mentioned payment applications), and payment servers (as the server of the above-mentioned payment applications).

[0089] Figure 3 The solution in this paper includes the following steps:

[0090] The NFC device sends an NFC characteristic wave (which can be sent after detecting a proximity event, which is more effective and helps reduce resource consumption). By default, the smartwatch is in a state where the near-field communication reader is turned off. When it is close to the NFC device, it receives the characteristic wave and actively turns on the near-field communication reader. Furthermore, the smartwatch's system 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 the payment confirmation page. After the user clicks payment confirmation on the payment confirmation page, the payment application will establish a Bluetooth connection between the smartwatch and the NFC device, and synchronize the user information of the smartwatch (such as payment account or payment code, etc.) to the NFC device. After receiving the user information of the smartwatch, the NFC device initiates the payment process to the payment server.

[0091] In one or more embodiments of the present specification, when detecting whether a wearable device is close to a near-field communication payment machine, the reliability of the detection results needs to be considered. In order to prevent inaccurate detection from falsely triggering a nearby mobile device, additional information can be carried in the characteristic wave to be provided to the mobile device.

[0092] Based on this idea, after detection, descriptive information about the other device (e.g., device type, device status, business intent, etc.) can be generated based on the specific circumstances of the detection. This descriptive information is then carried in a characteristic wave (e.g., encoded in a waveform) and sent out. The mobile device that receives the characteristic wave identifies the descriptive information and matches it with itself (the "self" refers to the other device's own situation). If a match is found, the closed NFC card reader is automatically turned on. If a match is not found, the mobile device may consider not responding to the characteristic wave. Of course, if the mobile device cannot correctly identify the characteristic wave at all, it will not respond to it, indicating that the mobile device is not the correct target for the NFC payment device.

[0093] Furthermore, in order to better adapt to more different situations, the description information can be further differentiated. Based on this idea, one or more embodiments of this specification also provide a flow chart of a matching solution for characteristic waves, see Figure 4 This process is executed on the other device (for example, a wearable device).

[0094] Figure 4 The process in includes the following steps:

[0095] S402: Receive the characteristic wave sent by the near-field communication payment machine.

[0096] S404: Identify the characteristic wave to identify designated key information and non-key information carried by the characteristic wave, where the key information includes the device type, and the non-key information includes a default payment method.

[0097] Device types can include smartphones and wearables. Of course, more dimensions can be added for more detailed differentiation, such as further differentiating wearables into adult smartwatches and children's smartwatches, or different device manufacturers and brands. Default payment prevention can include near-field communication-based payment methods, and other payment methods can also be further subdivided.

[0098] S406: Match the key information and the non-key information with itself respectively.

[0099] If they match, it means that the corresponding information inferred by the near-field communication payment machine for the other party's device is correct.

[0100] S408: If both the key information and the non-key information match the self, the closed near field communication card reader is automatically opened.

[0101] S410: If the key information matches itself and 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.

[0102] The reason for distinguishing between critical information and non-critical information here is to improve fault tolerance and to make it possible to continue to be compatible and encourage the use of the other party's equipment for near-field communication payment when the non-critical information inferred by the near-field communication payment device does not match.

[0103] For example, assuming that the near-field communication payment machine infers that the other party's device defaults to the near-field communication payment method, but in fact it is not the case, the corresponding non-critical information will not match. However, through a screen prompt, after obtaining the user's consent, it can switch to the near-field communication payment method, so that the next payment process can be completed.

[0104] In one or more embodiments of this specification, the main consideration is wearable devices such as smart watches. However, in actual applications, due to the popularity of smartphones, many users wear smart watches while also holding smartphones on the same hand as the smart watch, and smartphones often also support payment based on near-field communication. In this case, because the smartphone is on the palm of the hand, it is at a more forward position than the smart watch worn on the wrist. Therefore, when the user wants to use the smart watch based on near-field communication, the smartphone may be mistakenly triggered; vice versa is also possible. Therefore, based on the characteristic wave solution of this application, this problem is noticed and a solution is provided accordingly, so that near-field communication payment devices can trigger smart watches or smartphones more reliably, reasonably, and intelligently, avoiding conflicts with the user's true intentions.

[0105] Figure 5 A flowchart of a characteristic wave processing solution for the coexistence of wearable devices and smart watches provided in one or more embodiments of this specification.

[0106] Figure 5 The process in includes the following steps:

[0107] S502: When it is detected that a wearable device is close to the near-field communication payment machine, it is also detected whether the user of the wearable device is holding a smart phone at the same time.

[0108] The hand here preferably refers to the same hand. If the wearable device and the smartphone are on different hands, it is less likely to be triggered by mistake.

[0109] S504: After generating and sending the characteristic wave of the set mode so that the wearable device can recognize the characteristic wave, if the user of the wearable device also holds a smart phone in his hand, it is determined whether the smart phone can be sensed by near field communication.

[0110] If a smartphone can be detected in the near field, it may not yet be exchanging information with the NFC payment device via NFC, or it may be in the process of doing so. This determination is primarily intended to infer whether the user is likely to use their smartphone for payment. If detection is possible, the likelihood is high, necessitating further analysis and processing. If detection is not yet possible, it can be assumed that the user intends to use a wearable device for payment.

[0111] S506: If yes (i.e., if it is determined that the smartphone can be sensed by near-field communication), the near-field communication interaction with the smartphone is delayed, and it is detected whether the wearable device is close to the near-field communication payment device within the set payment willingness range within the set time limit.

[0112] In this case, since it's unclear whether the user actually intended to pay with their smartphone or, rather, intended to pay with their smartwatch but mistakenly brought their smartphone too close while holding their smartwatch, NFC interaction with the smartphone is temporarily delayed to prevent the smartphone from mistakenly triggering the payment process. Simultaneously, the user's intention to pay with their smartwatch continues to be inferred. To this end, a willingness-to-pay range can be set. If the wearable device approaches the NFC payment device within the willingness-to-pay range (i.e., close enough to be considered willing to pay), it is considered essentially certain that the user intends to pay with their smartwatch. To prevent excessive delays, a time limit can be set for inference. If the wearable device remains within the willingness-to-pay range after the time limit expires, it is considered highly likely that the user intends to pay with their smartphone.

[0113] In one or more embodiments of this specification, the willingness-to-pay range can be set to a smaller value to more reliably identify the user's true intention. For example, the willingness-to-pay range can be set to be smaller than, or even significantly smaller than, the NFC range between a smartphone and a NFC payment device, and / or smaller than, or even significantly smaller than, the NFC range between a wearable device and a NFC payment device. For example, the range can be within a few centimeters, or even require the user to be physically present in front of the NFC payment device.

[0114] S508: If not (i.e., if not close to the near-field communication payment machine to within the set payment willingness range), immediately continue the 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 again.

[0115] In this case, it can be assumed that the user actually intended to pay with their smartphone, so the wearable device can be omitted. To prevent energy waste and prevent the wearable device from mistakenly reading information from the NFC payment machine, the second characteristic wave can be used to proactively trigger the wearable device to shut down the NFC card reader. The principle of the second characteristic wave is similar to that of the characteristic wave in the setting mode, and it exhibits different characteristics to facilitate correct identification by the wearable device.

[0116] In one or more embodiments of the present disclosure, after detecting that the wearable device is within a set time limit and within a set payment willingness range of the near field communication payment instrument, if yes, it can be considered that the user wants to use the wearable device to make payment, and the wearable device can be used to promote the subsequent payment process. Further, it can be determined whether the smart phone has performed a part of the near field communication interaction and involves specified business data; if yes, the smart phone is triggered to transfer the specified business data to the wearable device to switch to the wearable device, continue the near field communication interaction according to the specified business data, and complete the payment process. In this way, whether the near field communication interaction performed by the smart phone is successful or not, it can still be effectively utilized, and the reliability and coordination of the entire payment process are improved.

[0117] The foregoing is mainly described from the perspective of the near field communication payment instrument. Based on the same idea, one or more embodiments of the present disclosure also provide another payment business processing method for the wearable device, which is described from the perspective of the wearable device. Figure 6 The flowchart of the another method is shown in FIG. 6.

[0118] Figure 6 The flow in FIG. 6 includes the following steps:

[0119] S602: In response to the user operation, when approaching the near field communication payment instrument, receiving and identifying the characteristic wave of the set mode sent by the near field communication payment instrument.

[0120] S604: If the characteristic wave is correctly identified, automatically opening the near field communication card reader that has been closed.

[0121] S606: After entering the near field communication range of the near field communication payment instrument, reading the payment information from the near field communication payment instrument through the opened near field communication card reader to trigger the opening of the payment application.

[0122] S608: Through the payment application, establishing a Bluetooth connection with the near field communication payment instrument, and returning user information to the near field communication payment instrument through the Bluetooth connection, so that the near field communication payment instrument promotes the payment process according to the user information.

[0123] For details, reference can be made to the foregoing description, which will not be repeated here.

[0124] Based on the same idea, one or more embodiments of the present disclosure also provide an apparatus and a device corresponding to the above method, as shown in FIG. 7. The apparatus and the device can perform the above method and the related optional solutions accordingly. Figures 7 to 10

[0125] Figure 7 ​This is a schematic diagram of a payment service processing device for a wearable device provided in one or more embodiments of this specification. The device is applied to a near-field communication payment machine, and the device includes:

[0126] A proximity detection module 702 detects whether a wearable device is close to the near-field communication payment device;

[0127] The characteristic wave sending module 704 generates and sends a characteristic wave of a set pattern so that the wearable device can recognize the characteristic wave. If the characteristic wave is correctly recognized, the wearable device automatically opens a closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device, the wearable device reads payment information from the near-field communication payment device through the opened near-field communication card reader to trigger the opening of the payment application.

[0128] A Bluetooth connection module 706 establishes a Bluetooth connection with the wearable device through the payment application on the wearable device;

[0129] The payment promotion module 708 receives the user information returned by the payment application through the Bluetooth connection and promotes the payment process according to the user information.

[0130] Optionally, the characteristic wave sending module 704 determines a moment when a wearable device is detected to be close to the near-field communication payment machine as a sensing moment;

[0131] Determine the setting mode indicating the delay time, pulse width, pulse interval and number of pulses;

[0132] 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.

[0133] Optionally, the characteristic wave sending module 704 determines whether the near field communication payment device is currently operating in a card reader mode after sending the characteristic wave of the setting mode;

[0134] If so, switch to dynamic tag mode to wait for the wearable device to read.

[0135] Optionally, the characteristic wave sending module 704 sends a characteristic wave carrying description information of the wearable device, so that a mobile device receiving the characteristic wave recognizes the description information and matches the description information with itself, and automatically turns on a closed near-field communication card reader if a match is found;

[0136] The description information is generated based on the detection.

[0137] Optionally, matching the description information with the device itself and automatically opening a closed near field communication card reader when a match occurs specifically includes:

[0138] Determine the specified key information and non-key information contained in the description information and match it with itself, the key information including the device type and the non-key information including the default payment method;

[0139] If both the key information and the non-key information match the user, the closed near-field communication card reader is automatically turned on;

[0140] 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.

[0141] 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, wherein the payment confirmation is performed in a payment confirmation page displayed by the payment application after the payment application is opened;

[0142] In response to the connection request, a Bluetooth connection is established with the wearable device.

[0143] Optionally, the proximity detection module 702 further performs:

[0144] Detecting whether the user of the wearable device also holds a smartphone;

[0145] The characteristic wave sending module 704, after generating and sending the characteristic wave of the set pattern so that the wearable device can recognize the characteristic wave, determines whether the wearable device can sense the smartphone through near field communication if the user of the wearable device also holds a smartphone;

[0146] If so, delaying the NFC interaction with the smartphone and detecting whether the wearable device is close to the NFC payment device within a set payment willingness range within a set time limit;

[0147] If not, immediately continue to interact with the smartphone through near-field communication 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.

[0148] Optionally, the proximity detection module 702, after detecting that the wearable device is within the set payment willingness range of the NFC payment instrument within the set time limit, if yes, determines whether a part of the NFC interaction involving the specified business data has been performed with the smartphone;

[0149] If yes, triggers the smartphone to transfer the specified business data to the wearable device to switch to the wearable device to continue the NFC interaction according to the specified business data for completing the payment process.

[0150] Optionally, the payment willingness range is smaller than the NFC range of the smartphone and the NFC payment instrument, and smaller than the NFC range of the wearable device and the NFC payment instrument.

[0151] Figure 8 Another structural schematic diagram of a payment business processing device for a wearable device is provided for one or more embodiments of the present specification, the device is applied to a wearable device, and the device comprises:

[0152] S802: In response to user operation, when approaching the NFC payment instrument, receiving and identifying a set mode of characteristic waves sent by the NFC payment instrument;

[0153] S804: The card reader opening module automatically opens the closed NFC card reader if the characteristic waves are correctly identified;

[0154] S806: The reading triggering module reads payment information from the NFC payment instrument through the opened NFC card reader to trigger the opening of the payment application after entering the NFC range of the NFC payment instrument;

[0155] S808: The Bluetooth connection module establishes a Bluetooth connection with the NFC payment instrument through the payment application, and returns user information to the NFC payment instrument through the Bluetooth connection, so that the NFC payment instrument proceeds the payment process according to the user information.

[0156] Figure 9 A structural schematic diagram of a payment business processing device for a wearable device is provided for one or more embodiments of the present specification, which is applied to an NFC payment instrument, and the payment business processing device comprises:

[0157] at least one processor; and,

[0158] a memory in communication connection with the at least one processor; wherein,

[0159] 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:

[0160] controlling the NFC card reader on the offline intelligent wearable device to be in an off state;

[0161] detecting whether a wearable device is close to the near field communication payment machine;

[0162] if yes, generating and sending a characteristic wave of a set mode to enable the wearable device to identify the characteristic wave, and if the characteristic wave is correctly identified, the wearable device automatically opens the closed near field communication card reader, and through the opened near field communication card reader, reads payment information from the near field communication payment machine after entering the near field communication range of the near field communication payment machine to trigger opening of a payment application;

[0163] establishing a Bluetooth connection with the wearable device through the payment application on the wearable device;

[0164] receiving user information returned by the payment application through the Bluetooth connection, and advancing a payment process according to the user information.

[0165] Figure 10 Another structural schematic diagram of a payment service processing device for a wearable device is provided for one or more embodiments of the present specification, applied to a wearable device, the payment service processing device comprising:

[0166] at least one processor; and,

[0167] a memory in communication connection with the at least one processor; wherein,

[0168] 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:

[0169] in response to a user operation, when close to the near field communication payment machine, receiving and identifying a characteristic wave of a set mode sent by the near field communication payment machine;

[0170] if the characteristic wave is correctly identified, automatically opening the closed near field communication card reader;

[0171] through the opened near field communication card reader, reading payment information from the near field communication payment machine after entering the near field communication range of the near field communication payment machine to trigger opening of a payment application;

[0172] establish a Bluetooth connection with the near field communication payment machine through the payment application, and return user information to the near field communication payment machine through the Bluetooth connection, so that the near field communication payment machine advances a payment process according to the user information.

[0173] Based on the same idea, one or more embodiments of the present specification also provide a non-volatile computer storage medium applied to a near field communication payment machine, the medium storing computer executable instructions, the computer executable instructions being configured to:

[0174] detect whether a wearable device is close to the near field communication payment machine;

[0175] if yes, generate and send a characteristic wave of a set mode, so that the wearable device recognizes the characteristic wave, and if the characteristic wave is correctly recognized, the wearable device automatically opens a near field communication card reader that has been closed, reads payment information from the near field communication payment machine through the opened near field communication card reader to trigger opening of a payment application after entering a near field communication range of the near field communication payment machine.

[0176] establish a Bluetooth connection with the wearable device through the payment application on the wearable device;

[0177] receive user information returned by the payment application through the Bluetooth connection, and advance a payment process according to the user information.

[0178] One or more embodiments of the present specification also provide another non-volatile computer storage medium applied to a wearable device, the medium storing computer executable instructions, the computer executable instructions being configured to:

[0179] in response to a user operation, when close to the near field communication payment machine, receive and recognize a characteristic wave of a set mode sent by the near field communication payment machine;

[0180] if the characteristic wave is correctly recognized, automatically open a near field communication card reader that has been closed;

[0181] read payment information from the near field communication payment machine through the opened near field communication card reader to trigger opening of a payment application after entering a near field communication range of the near field communication payment machine.

[0182] establish a Bluetooth connection with the near field communication payment machine through the payment application, and return user information to the near field communication payment machine through the Bluetooth connection, so that the near field communication payment machine advances a payment process according to the user information.

[0183] In the 1990s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures like diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements can now be considered direct improvements to hardware circuit structures. Designers almost always create the corresponding hardware circuit structure by programming the improved process flow into the hardware circuit. Therefore, it cannot be said that a process flow improvement cannot be implemented using physical hardware modules. 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 user programming. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to hire a chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly performed using software called a "logic compiler." This is similar to the software compilers used during program development. Before compilation, the original code must be written in a specific programming language, called a Hardware Description Language (HDL). There are many types of HDL, including 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, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that simply by programming a method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0184] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., 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 controllers 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 memory control logic. Those skilled in the art will also appreciate that, in addition to implementing the controller purely in computer-readable program code, the controller can also be implemented in the form of logic gates, switches, an application-specific integrated circuit, a programmable logic controller, an embedded microcontroller, etc. by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the means for implementing the various functions included therein can also be considered as structures within the hardware component. Alternatively, the means for implementing the various functions can be considered both a software module implementing the method and a structure within the hardware component.

[0185] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or entities, or by products having certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0186] For the convenience of description, the above devices are described as being divided into 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.

[0187] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems, or computer program products. Thus, the embodiments of this specification may take the form of entirely hardware embodiments, entirely software embodiments, or embodiments combining software and hardware. Furthermore, the embodiments of this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0188] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes 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 a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0189] These computer program instructions may 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 produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0190] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0191] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0192] The various embodiments in this specification are described in a progressive manner. Similar portions between the various embodiments can be referenced to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the device, apparatus, and non-volatile computer storage medium embodiments are generally similar to the method embodiments, so their descriptions are relatively simplified. For relevant details, refer to the descriptions of the method embodiments.

[0193] The foregoing description of this specification describes specific embodiments. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or the sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0194] The foregoing description is merely one or more embodiments of this specification and is not intended to limit this specification. It will be apparent to those skilled in the art that various modifications and variations may be made to one or more embodiments of this specification. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of one or more embodiments of this specification are intended to be 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 device, comprising: Detecting whether a wearable device is close to the near-field communication payment machine; If so, a characteristic wave of a set pattern 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 a closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device, the wearable device reads payment information from the near-field communication payment device through the turned-on near-field communication card reader to trigger the opening of a payment application. Establishing a Bluetooth connection with the wearable device through the payment application on the wearable device; receiving user information returned by the payment application via the Bluetooth connection, and advancing the payment process according to the user information; The characteristic wave of the sending setting mode specifically includes: Sending a characteristic wave carrying description information of the wearable device, so that a mobile device receiving the characteristic wave recognizes the description information and matches the description information with itself, and automatically turns on a closed near-field communication card reader if a match is found; The description information is generated based on the detection, wherein the detection is performed by a time-of-flight sensor or a motion detection camera, and after the detection, description information for the other party's device is generated based on specific circumstances of the detection; The description information includes device type or service intent.

2. The method according to claim 1, wherein sending the characteristic wave of the setting mode specifically comprises: Determining a moment when a wearable device is detected approaching the near-field communication payment machine as a sensing moment; Determine the setting mode indicating the delay time, pulse width, pulse interval and number of pulses; 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, further comprising: Determining whether the near-field communication payment device 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 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 including the device type and the non-key information including the default payment method; If both the key information and the non-key information match the user, 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.

5. 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 payment application is opened; In response to the connection request, a Bluetooth connection is established with the wearable device.

6. The method according to claim 1, wherein 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 smartphone; After generating and sending the characteristic wave of the set pattern so that the wearable device recognizes the characteristic wave, the method further includes: If the user of the wearable device also holds a smartphone, determining whether the smartphone can be sensed by near field communication; If so, delaying the NFC interaction with the smartphone and detecting whether the wearable device is close to the NFC payment device within a set payment willingness range within a set time limit; If not, immediately continue to interact with the smartphone through near-field communication 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.

7. The method of claim 6, wherein after detecting whether the wearable device is 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 conducted with the smartphone and involves designated business data; If it has been done, the smartphone 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.

8. In the method according to claim 6, the payment willingness range is smaller than the near-field communication range between the smartphone 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.

9. A payment service processing method for a wearable device, applied to the wearable device, the method comprising: When approaching a near-field communication payment device in response to a user operation, receiving and identifying a characteristic wave of a set pattern sent by the near-field communication payment device; 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 device, the NFC card reader reads payment information from the NFC payment device to trigger the opening of the payment application; Establishing a Bluetooth connection with the near-field communication payment device through the payment application, and returning user information to the near-field communication payment device through the Bluetooth connection, so that the near-field communication payment device proceeds with the payment process according to the user information; The near field communication payment device sends a characteristic wave of a setting mode, specifically including: The near-field communication payment device transmits a characteristic wave carrying description information of the wearable device, so that a mobile device receiving the characteristic wave recognizes the description information and matches the description information with itself, and automatically opens a closed near-field communication card reader if a match is found; The description information is generated based on the detection of whether the wearable device is in proximity by the near-field communication payment device, and the detection is performed by a time-of-flight sensor or a motion detection camera. After the detection, description information of the other party's device is generated based on the specific circumstances of the detection; The description information includes device type or service intent.

10. A payment service processing device for a wearable device, applied to a near-field communication payment machine, comprising: A proximity detection module detects whether a wearable device is close to the near-field communication payment machine; a characteristic wave sending module, if yes, generating and sending a characteristic wave of a set pattern so that the wearable device can recognize the characteristic wave; if the characteristic wave is correctly recognized, the wearable device automatically opens a closed near-field communication card reader, and 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; A Bluetooth connection module, for establishing a Bluetooth connection with the wearable device through the payment application on the wearable device; a payment promotion module, receiving user information returned by the payment application via the Bluetooth connection, and promoting the payment process according to the user information; The characteristic wave sending module sends a characteristic wave carrying description information of the wearable device, so that a mobile device receiving the characteristic wave recognizes the description information and matches the description information with itself, and automatically turns on a closed near-field communication card reader when a match occurs; The description information is generated based on the detection, wherein the detection is performed by a time-of-flight sensor or a motion detection camera, and after the detection, description information for the other party's device is generated based on specific circumstances of the detection; The description information includes device type or service intent.

11. The apparatus according to claim 10, wherein the characteristic wave transmitting module determines 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 number of pulses; 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.

12. The device according to claim 10, wherein the characteristic wave sending module determines whether the near-field communication payment device 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.

13. The device of claim 10, wherein matching the description information with the device itself and automatically opening a closed near-field communication card reader when a match occurs comprises: Determine the specified key information and non-key information contained in the description information and match it with itself, the key information including the device type and the non-key information including the default payment method; If both the key information and the non-key information match the user, 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.

14. The apparatus according to claim 10, 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 payment application is opened; In response to the connection request, a Bluetooth connection is established with the wearable device.

15. The apparatus according to claim 10, wherein the proximity detection module further performs: Detecting whether the user of the wearable device also holds a smartphone; The characteristic wave sending module, after generating and sending the characteristic wave of the set pattern so that the wearable device recognizes the characteristic wave, determines whether the wearable device can sense the smartphone through near field communication if the user of the wearable device also holds a smartphone; If so, delaying the NFC interaction with the smartphone and detecting whether the wearable device is close to the NFC payment device within a set payment willingness range within a set time limit; If not, immediately continue to interact with the smartphone through near-field communication 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.

16. The apparatus of claim 15, wherein the proximity detection module, after detecting whether the wearable device is within a set time limit and within a set payment willingness range, determines whether a portion of near-field communication interaction with the smartphone has been conducted and involves specified business data; If it has been done, the smartphone 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.

17. The device as described in claim 15, wherein the payment willingness range is smaller than the near-field communication range between the smartphone 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.

18. A payment service processing device for a wearable device, applied to the wearable device, comprising: a characteristic wave recognition module, which receives and recognizes a characteristic wave of a set pattern transmitted by a near-field communication payment device when the device approaches the device 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 device via the opened NFC card reader after entering the NFC range of the NFC payment device to trigger the opening of the payment application; a Bluetooth connection module, which establishes a Bluetooth connection with the near-field communication payment device through the payment application, and returns user information to the near-field communication payment device through the Bluetooth connection, so that the near-field communication payment device proceeds with the payment process according to the user information; The near field communication payment device sends a characteristic wave of a setting mode, specifically including: The near-field communication payment device transmits a characteristic wave carrying description information of the wearable device, so that a mobile device receiving the characteristic wave recognizes the description information and matches the description information with itself, and automatically opens a closed near-field communication card reader if a match is found; The description information is generated based on the detection of whether the wearable device is in proximity by the near-field communication payment device, and the detection is performed by a time-of-flight sensor or a motion detection camera. After the detection, description information of the other party's device is generated based on the specific circumstances of the detection; The description information includes device type or service intent.

19. A payment service processing device for a wearable device, applied to a near-field communication payment machine, 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, wherein the instructions are executed by the at least one processor to enable the at least one processor to perform: Detecting whether a wearable device is close to the near-field communication payment machine; If so, a characteristic wave of a set pattern 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 a closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device, the wearable device reads payment information from the near-field communication payment device through the turned-on near-field communication card reader to trigger the opening of a payment application. Establishing a Bluetooth connection with the wearable device through the payment application on the wearable device; receiving user information returned by the payment application via the Bluetooth connection, and advancing the payment process according to the user information; The characteristic wave of the sending setting mode specifically includes: Sending a characteristic wave carrying description information of the wearable device, so that a mobile device receiving the characteristic wave recognizes the description information and matches the description information with itself, and automatically turns on a closed near-field communication card reader if a match is found; The description information is generated based on the detection, wherein the detection is performed by a time-of-flight sensor or a motion detection camera, and after the detection, description information for the other party's device is generated based on specific circumstances of the detection; The description information includes device type or service intent.

20. 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, wherein the instructions are executed by the at least one processor to enable the at least one processor to perform: When approaching a near-field communication payment device in response to a user operation, receiving and identifying a characteristic wave of a set pattern sent by the near-field communication payment device; 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 device, the NFC card reader reads payment information from the NFC payment device to trigger the opening of the payment application; Establishing a Bluetooth connection with the near-field communication payment device through the payment application, and returning user information to the near-field communication payment device through the Bluetooth connection, so that the near-field communication payment device proceeds with the payment process according to the user information; The near field communication payment device sends a characteristic wave of a setting mode, specifically including: The near-field communication payment device transmits a characteristic wave carrying description information of the wearable device, so that a mobile device receiving the characteristic wave recognizes the description information and matches the description information with itself, and automatically opens a closed near-field communication card reader if a match is found; The description information is generated based on the detection of whether the wearable device is in proximity by the near-field communication payment device, and the detection is performed by a time-of-flight sensor or a motion detection camera. After the detection, description information of the other party's device is generated based on the specific circumstances of the detection; The description information includes device type or service intent.

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