Payment service processing method, device and equipment

Abstract

The invention discloses a payment business processing scheme which is applied to commercial tenant cashier equipment. Comprising the steps of detecting whether a to-be-paid commodity of a current user is in a predefined interaction ready state or not; if yes, payment advance-ready prompt information is generated, and a user is prompted, so that the user responds to the payment advance-ready prompt information, and a mobile terminal of the user is close to a commercial tenant cashier device for induction communication; acquiring payment authorization information generated by the user mobile terminal based on the first identity in advance through sensing communication, entering a payment advanced ready state, triggering the user mobile terminal to automatically execute login operation based on the second identity, and entering a logged-in state; after entering the payment advance ready state, determining a to-be-paid original amount according to a commodity information input operation continuously executed by the cashier for the to-be-paid commodity of the current user; determining a to-be-paid actual amount according to the to-be-paid original amount and the second identity; and triggering a corresponding deduction operation according to the payment authorization information.

Description

Technical Field

[0001] This specification relates to the field of payment technology, and in particular to a payment service processing method, device, and equipment. Background Art

[0002] In some offline payment scenarios, such as supermarkets and snack shops, users generally purchase a large number of items at a time, so the cashier's checkout settlement time is longer.

[0003] Currently, payment methods based on QR codes are often used. The cashier first scans and enters the items one by one, calculates the total amount to be paid, and then asks the user to present the payment QR code. The user calls up the payment QR code in the corresponding payment application on the mobile phone and shows it to the cashier. The cashier scans the payment QR code and deducts the payment. For users who are members, the cashier will also ask the user to report their mobile phone number. The cashier then enters the mobile phone number and asks the user to log in to the membership. There may be member discounts or member points when scanning the code to deduct the payment.

[0004] Based on this, a more efficient and convenient processing solution is needed for offline payment scenarios where such users purchase a large number of goods. Summary of the Invention

[0005] One or more embodiments of this specification provide a payment service processing method, device, and equipment to solve the following technical problem: For offline payment scenarios where users purchase a large number of goods, a more efficient and convenient processing solution is needed.

[0006] To solve the above technical problems, one or more embodiments of this specification are implemented as follows: One or more embodiments of this specification provide a payment service processing method, which is applied to a merchant cash register device, and includes: Check whether the current user's pending payment item is in a predefined interaction-ready state; If yes, generating payment advance ready prompt information and prompting the user, so that the user responds to the payment advance ready prompt information and brings the user mobile terminal close to the merchant cash register device for inductive communication; Through the inductive communication, the payment authorization information generated by the user mobile terminal based on the first identity is obtained in advance, thereby entering a payment ready state, and triggering the user mobile terminal to automatically perform a login operation based on the second identity, thereby entering a logged-in state; After entering the payment pre-ready state, determining the original amount to be paid according to the commodity information entry operation performed by the cashier on the commodity to be paid for the current user; determining an actual amount to be paid based on the original amount to be paid and the logged-in second identity; According to the payment authorization information and the actual amount to be paid, a corresponding deduction operation for the first identity is triggered.

[0007] One or more embodiments of this specification provide a payment service processing device, which is applied to a merchant cash register device. The device includes: The interaction readiness state detection module detects whether the current user's to-be-paid item is in a predefined interaction readiness state; a payment advance ready prompting module, if yes, generating payment advance ready prompting information and prompting the user, so that the user responds to the payment advance ready prompting information and brings the user's mobile terminal close to the merchant's cash register device for inductive communication; a payment authorization advance acquisition module, which acquires payment authorization information generated by the user mobile terminal based on the first identity in advance through the inductive communication, enters a payment advance ready state, and triggers the user mobile terminal to automatically perform a login operation based on the second identity, entering a logged-in state; a first payment amount determination module, after entering the payment pre-ready state, determining the original amount to be paid based on the commodity information entry operation continued by the cashier for the commodity to be paid by the current user; a second payment amount determination module, which determines an actual amount to be paid according to the original amount to be paid and the logged-in second identity; A deduction operation triggering module triggers a corresponding deduction operation for the first identity according to the payment authorization information and the actual amount to be paid.

[0008] One or more embodiments of this specification provide a payment service processing device, which is applied to a merchant cash register device. The payment service processing 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, wherein the instructions are executed by the at least one processor to enable the at least one processor to perform: Check whether the current user's pending payment item is in a predefined interaction-ready state; If yes, generating payment advance ready prompt information and prompting the user, so that the user responds to the payment advance ready prompt information and brings the user mobile terminal close to the merchant cash register device for inductive communication; Through the inductive communication, the payment authorization information generated by the user mobile terminal based on the first identity is obtained in advance, thereby entering a payment ready state, and triggering the user mobile terminal to automatically perform a login operation based on the second identity, thereby entering a logged-in state; After entering the payment pre-ready state, determining the original amount to be paid according to the commodity information entry operation performed by the cashier on the commodity to be paid for the current user; determining an actual amount to be paid based on the original amount to be paid and the logged-in second identity; According to the payment authorization information and the actual amount to be paid, a corresponding deduction operation for the first identity is triggered.

[0009] At least one of the above-mentioned technical solutions adopted in one or more embodiments of this specification can achieve the following beneficial effects: when the current user's to-be-paid goods are just in place and ready (for example, just placed on the checkout counter or just started to be scanned and entered), it can automatically trigger the user to communicate with the merchant's cash register device by induction, provide payment authorization information (for example, the code value of the payment code) in advance, and trigger member login at the same time, so that the payment authorization information is ready and available to the cashier in advance, and the user can be logged in as a member as soon as possible. During this period, the cashier does not need to be distracted but can perform the product information entry operation in parallel. If there are member benefits, the entered information can also be directly linked based on the logged-in status. After the current user's to-be-paid goods have been entered, the cashier can directly perform the deduction operation based on the payment authorization information, without the user having to do any additional tedious cooperation actions, which is efficient and convenient. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] 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.

[0011] Figure 1 A flowchart of a payment service processing method provided in one or more embodiments of this specification; Figure 2 A flowchart of a payment early-readiness reminder solution based on time prediction provided in one or more embodiments of this specification; Figure 3 A flowchart of a deduction processing solution based on product certainty and uncertainty prediction provided in one or more embodiments of this specification; Figure 4 One or more embodiments of this specification provide Figure 1 A schematic flow chart of a specific implementation scheme of the scheme; Figure 5A schematic diagram comparing the timing principles of the existing solution and the solution of the present application provided for one or more embodiments of this specification; Figure 6 A schematic diagram of the structure of a payment service processing device provided in one or more embodiments of this specification; Figure 7 A schematic diagram of the structure of a payment service processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0012] The embodiments of this specification provide a payment service processing method, apparatus, device, and storage medium.

[0013] 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.

[0014] As mentioned in the background, in some offline payment scenarios, cashiers' checkout times are lengthy. These processes, such as QR code-based payment and mobile phone number-based login, are cumbersome and inefficient. Furthermore, communication can be disrupted in noisy environments, and user privacy, such as payment codes and mobile phone numbers, can be easily exposed. Alternatively, there are login methods that require cashiers to scan a membership code. However, these methods can also present issues such as users having trouble finding the correct mini-program or not knowing which page of the mini-program the membership code is located on. Therefore, there is room for improvement in terms of efficiency and ease of use.

[0015] In order to solve these problems, the solution of the present application is proposed. Figure 1 The flowchart of a payment service processing method provided for one or more embodiments of this specification is described from the perspective of a merchant cash register device. The execution entity of the process may include the merchant cash register device. Specifically, at the software level, this process may involve the merchant cash register device's operating system and the business applications installed on the merchant cash register device, such as payment applications or other types of applications provided by the payment service provider, or mini-programs integrated into these applications. The merchant cash register device has an inductive communication function, which may be near-field communication or other communication methods based on proximity sensing.

[0016] A merchant's cash register device can be a single device or multiple devices that are interconnected and work together.

[0017] In the former case, the merchant's cash register device is, for example, a cash register machine that supports near-field communication payment.

[0018] In the latter case, the merchant's cash register equipment, for example, includes a POS machine and an additional NFC payment terminal. The POS machine is a common infrastructure at the cash register, capable of supporting one or more basic payment methods, such as bank card payment, membership card payment, and QR code payment, but may not support NFC-based payment methods. In this case, the POS machine can be connected to the NFC payment terminal wirelessly or wiredly, enabling it to indirectly support NFC-based payment methods.

[0019] For ease of description, this application regards the merchant cash register device as a whole, and ignores the interactions between modules or possible interactions between devices.

[0020] Figure 1 The process in includes the following steps: S102: Detect whether the product to be paid for by the current user is in a predefined interaction ready state.

[0021] Interaction primarily refers to the interaction between the cashier or checkout counter and the items to be paid. The interaction-ready state refers to the state where the item information is ready to be scanned and entered, or the state where some but not all of the item information has been scanned and entered. When entering the interaction-ready state, since all item information has not yet been entered, it will take some time before the current user can complete the settlement. If the current user has a large number of items to pay, this period of time can be relatively long, for example, one minute or even several minutes.

[0022] In one or more embodiments of this specification, for example, a predefined method is provided as follows: detecting whether product information for a designated item to be paid has begun to be entered; and if so, determining that the current user's item to be paid is in a predefined interaction-ready state. The designated item to be paid may be the first item to be paid for which product information has been entered by the current user, or may be an item to be paid associated with the current user's logged-in status, such as a member-only item.

[0023] Vision sensors or weight sensors can be used to more intuitively detect whether the designated goods to be paid are already in place at the checkout counter, so that the cashier can scan and enter the product information. That is, the goods can be seen at the location where the goods to be entered are placed at the checkout counter, or have been weighed and the scale has sensed the corresponding weight; thereby determining whether the goods to be paid have entered the state of entering product information.

[0024] If the first item to be paid is designated as the item to be paid, the interaction readiness status can be determined directly based on the item information scanned and entered by the cashier (after the settlement for the previous user is completed, a new record will be used for the current user to record the next item information scanned and entered for the current user, so that the first item can be easily identified).

[0025] Some products can also be specified in advance based on specific product numbers, so that the cashier can determine the interaction readiness status by identifying these product numbers when scanning and entering.

[0026] Alternatively, the interaction readiness state can be determined indirectly, not necessarily through the item to be paid. For example, it can be determined whether the current user is seated at the checkout counter. If so, it can be determined whether the item to be paid by the current user is in a predefined interaction readiness state.

[0027] S104: If yes, generate payment advance ready prompt information and prompt the user, so that the user responds to the payment advance ready prompt information and brings the user mobile terminal close to the merchant cash register device for inductive communication.

[0028] The user's mobile terminal is a mobile device such as a smartphone or smartwatch that supports inductive communication. The merchant's cash register has an inductive interaction area. When the user's mobile terminal is close enough to the inductive interaction area (for example, by "touching" the two), inductive communication can be established with the merchant's cash register to exchange information.

[0029] The pre-payment ready prompt prompts users to place their mobile terminal near the merchant's cash register for inductive communication in advance, providing payment authorization information such as a payment code and payment confirmation instructions. This effectively prompts users to adopt the relatively efficient inductive communication payment method. In the prior art, users only provide payment authorization information, such as a payment QR code, after entering all product information and calculating the total amount to be paid. Furthermore, if the prompt is given at this point (currently usually verbally by the cashier), if the user has already opened the payment QR code, they will have to go through an additional step to switch payment methods. This can affect user acceptance, especially in situations where checkout settlement takes a long time, as cashiers may be less willing to prompt due to fatigue. This allows for cash withdrawal, which is the advantage of the pre-payment ready feature proposed in this application.

[0030] The above detection and prompting process can be automatically executed without the cashier's triggering. Therefore, during this process, the cashier can focus on entering the product information of the current user's pending payment. The prompt method can be a text light prompt on the merchant's cash register screen or a synthesized voice prompt, etc., without relying on the cashier's verbal prompt, thereby reducing the cashier's workload.

[0031] It should be noted that users can choose not to use inductive communication and instead choose other methods (such as image scanning and recognition) to make payments in advance. Accordingly, other payment channels (such as code scanning) will also be used, giving users more flexibility and also helping to improve efficiency.

[0032] S106: Through the inductive communication, the payment authorization information generated by the user mobile terminal based on the first identity is obtained in advance, entering the payment ready state, and triggering the user mobile terminal to automatically perform the login operation based on the second identity and enter the logged-in state.

[0033] The primary identity refers to the payment identity that the user intends to use for this payment, such as a designated third-party payment platform payment account or bank account. Payment authorization information authorizes the merchant's cash register to trigger deductions from the payment account based on specified conditions (e.g., a specified time limit, a specified amount, specified merchant information, or a specified number of times).

[0034] Before the cashier has completed entering all items to be paid for, the payment authorization information is already ready for the merchant's cash register, ready to trigger a deduction. Not only is the payment authorization information ready, but the user's login is also ready. Login is also achieved through the aforementioned inductive communication. This means the user only needs to bring their mobile device close to the merchant's cash register once, eliminating the need for tedious steps like verbally stating their phone number or manually looking up their membership code.

[0035] Logged-in status. For merchant cash register devices, this refers to the current user's secondary identity, which has been associated with this cash register settlement and will be used to conduct this cash register settlement using the rights and interests of this secondary identity. For user mobile terminals, this refers to the current user's secondary identity, which has logged into the current merchant's related applications or mini-programs on the user's mobile terminal, allowing them to view some business information related to this cash register settlement, such as recommended products, member rights, cash register settlement progress, etc.

[0036] The second identity may be, for example, a membership identity in the merchant, or a membership identity in other associated merchants or cooperation platforms recognized by the merchant.

[0037] When logged in, the user's mobile device displays relevant merchant content, such as registered items and recommended items, allowing the user to interact with the content as needed, such as making additional purchases, rather than waiting idly for the cashier to enter their information. User interactions can instantly affect the items being paid for.

[0038] Additionally, the login trigger can be triggered independently of the payment process, allowing for a separate process when needed. For example, when a pending item involving membership benefits is being entered, the user can be prompted to place their mobile device near the merchant's cash register for inductive communication to log in.

[0039] S108: After entering the payment pre-ready state, the original amount to be paid is determined according to the commodity information entry operation performed by the cashier on the commodity to be paid for the current user.

[0040] When payment is ready, the cashier can trigger the deduction at any time if necessary, such as after the items have been entered or the user has split an order for separate payment. This does not require the user to perform any additional operations on the mobile device. To prevent misunderstandings, the cashier can simply confirm the user's request verbally before triggering the deduction, or provide a button confirmation function for users who require it.

[0041] In one or more embodiments of the present specification, when the pre-payment ready state is first entered, the cashier has not yet completed entering the product information for the current user. Especially when there are many products to be paid, the cashier can continue to focus on entering the information so that the deduction process can be triggered as soon as possible. Prompting the user to enter the pre-payment ready state as early as possible allows the user to more easily provide payment authorization information in advance, so that the payment authorization information is waiting for the entry process to be completed, rather than waiting for the payment authorization information to be ready after the entry process is completed.

[0042] Ideally, the advance provision of payment authorization information is expected to be performed in parallel with the data entry process. After the advance provision of payment authorization information is completed, the data entry process is completed a short while later (or even immediately thereafter or almost simultaneously), and the payment can be deducted. This situation may occur when there are fewer items to be paid. Of course, in this case, the solution of this application can also improve efficiency and convenience.

[0043] S110: Determine the actual amount to be paid according to the original amount to be paid and the second identity that has logged in.

[0044] The original amount to be paid does not take into account any additional benefits that may be granted by the secondary identity. While logged in with the secondary identity, benefits such as member pricing and discounts may apply. Therefore, the actual amount to be paid may be less than the original amount to be paid. Alternatively, the actual amount to be paid may remain equal to the original amount to be paid, but the user may receive additional benefits such as membership points and gift items.

[0045] S112: triggering a corresponding deduction operation for the first identity according to the payment authorization information and the actual amount to be paid.

[0046] Once the actual amount to be paid is determined, the cashier can trigger the debit operation on the merchant's cash register. Since the payment authorization information has been prepared in advance, the debit process proceeds directly, deducting the actual amount to be paid from the first identity's payment account. This process can involve interaction between the merchant's cash register and the payment server, without requiring the user to perform additional operations on the user's mobile terminal, and the cashier does not need to wait.

[0047] In one or more embodiments of this specification, a quick deduction control can be generated and displayed in the payment pre-ready state; if the cashier performs a corresponding operation on the quick deduction control (for example, clicking a quick deduction button), the deduction is directly performed based on the payment authorization information obtained in advance, without the need for additional interaction and cooperation on the user's mobile terminal, thereby achieving flexible and fast one-click deduction. The quick deduction control can also be displayed in advance, and does not necessarily need to be generated and displayed immediately when entering the payment pre-ready state. In the case of early display, since the payment authorization information has not yet been obtained, a normal deduction can be initiated (that is, after initiation, the user needs to perform a series of cooperative operations as usual) instead of a quick deduction.

[0048] pass Figure 1 The method can automatically trigger the user to connect the user's mobile terminal to the merchant's cash register device for inductive communication as soon as the current user's pending payment items are ready (for example, just put on the cash register or just start scanning and entering), and provide payment authorization information (for example, the code value of the payment code) in advance, and trigger member login at the same time, so that the payment authorization information is ready and available to the cashier in advance, and the user is logged in as a member as soon as possible. During this period, the cashier does not need to be distracted but can enter the product information in parallel. If there are member benefits, the entered information can also be directly linked based on the logged-in status. After the current user's pending payment items are all entered, the cashier can directly execute the deduction operation based on the payment authorization information, without the user having to perform additional tedious cooperation actions, which is efficient and convenient.

[0049] based on Figure 1This specification also provides some specific implementation plans and extension plans of the method, which will be described below.

[0050] Especially considering the scenario where the user purchases a large number of goods, the implementation of the above solution will help both the user and the cashier feel convenient, and the checkout process will be smoother and more user-friendly. Based on this idea, one or more embodiments of this specification provide a payment advance ready prompt solution based on time prediction, see Figure 2 , Figure 2 A flow chart of the scheme is shown in FIG.

[0051] Figure 2 The process in includes the following steps: S202: Obtaining profile information of the product to be paid for by the current user, wherein the profile information does not include the original amount to be paid, and the profile information is collected by a sensor provided for the cashier counter.

[0052] Compared to the product information subsequently entered by the cashier, summary information is more concise. For example, it can include the approximate volume or number of at least a portion of the current user's products to be paid for, as determined by a visual sensor; or the weight of at least a portion of the products to be paid for, as determined by a weight sensor; and so on. Since products to be paid for are typically entered piece by piece, obtaining an approximate number of pieces as summary information is particularly reliable.

[0053] S204: Predicting, based on the profile information, a time for entering product information of at least some of the products to be paid for by the current user.

[0054] Larger product volumes, number of items, or weight may require more time to enter. Therefore, a predefined positive correlation can be used to predict product information. When collecting profile information across multiple dimensions, predictions can be made based on a pre-trained large model whose training samples are derived from historical checkout data.

[0055] S206: Determine whether the predicted time for entering the product information is greater than a set time threshold.

[0056] If the predicted product information entry time is greater than the set time threshold, it is believed that the checkout settlement time will be relatively long. Therefore, in order to reduce the possible negative experience between users and cashiers, you can consider enabling Figure 1 The method in the above example can more clearly demonstrate the advantages of this method. Otherwise, it is considered that the impact is not significant and can still be executed according to the general process.

[0057] S208: If yes, generate payment ready reminder information.

[0058] S210: If not, the prompt is not made so as to temporarily not obtain the payment authorization information; after determining that the product information entry operation for all products to be paid for the current user is completed, the payment authorization information is obtained from the user mobile terminal through inductive communication.

[0059] If not, after the product information entry operation is completed, the user can be prompted to place the user mobile terminal close to the merchant's cash register device for inductive communication, so as to provide payment authorization information to the merchant's cash register device through inductive communication, and then the deduction operation can be triggered.

[0060] In this application's solution, since payment authorization information can be obtained in advance, it is possible to more flexibly trigger deductions based on the specific circumstances of the items currently purchased by the user. Based on this approach, items to be paid are divided into two categories: predefined deterministic items and predefined uncertain items.

[0061] Deterministic goods mainly refer to goods that users will basically not change their minds about after selecting them (for example, they are sure to buy them, the quantity to be purchased is also determined, and they are satisfied and have no regrets after the purchase, etc.); further, deterministic goods can especially be goods that are truly suitable for the user, while some alternative goods or other goods with similar uses of the deterministic goods, after comprehensive consideration, are relatively less suitable for the user than the deterministic goods. Of course, this is not absolute and can be judged based on predefined strategies and probability thresholds.

[0062] Uncertain products mainly refer to products that users may change their minds about after selecting them (for example, giving up the purchase, changing the quantity, being dissatisfied after the purchase, or even regretting it).

[0063] Based on the two categories of goods proposed, one or more embodiments of this specification provide a deduction processing solution based on the prediction of the certainty and uncertainty of goods, see Figure 3 , Figure 3 A flow chart of the scheme is shown in FIG.

[0064] Figure 3 The process in includes the following steps: S302: After entering the payment pre-ready state, based on the cashier's continued operation of entering commodity information for the current user's commodity to be paid, predict whether the currently entered commodity to be paid belongs to a predefined deterministic commodity or a predefined uncertain commodity.

[0065] Basic predictions can be made using a whitelist or a list. To improve reliability, predictions can also be made using a pre-trained large model, combining current user preferences and scenario characteristics. In this case, the prediction results for the same item to be paid may vary for different users and different scenarios.

[0066] S304: According to the prediction result, the commodities to be paid for the current user that are successively entered are divided accordingly to obtain a set of deterministic commodities and a set of uncertain commodities.

[0067] As needed, the solution may be executed only for a portion of the commodities to be paid. In this case, the set of deterministic commodities and the set of uncertain commodities are not complete sets.

[0068] S306: Based on the payment authorization information obtained in advance, the deduction operation for the set of deterministic products is automatically executed in advance as the first deduction stage. Due to the nature of deterministic products, this stage can be executed without user confirmation. Assuming that all the current user's pending products are deterministic products, this is more convenient. By executing the first deduction stage, the current checkout settlement can be completed efficiently.

[0069] In the case where a user has a large number of items to be paid for, multiple different deterministic item sets may be generated for the user, and multiple first deduction stages may be executed accordingly for these sets.

[0070] S308: After the first deduction stage, if a manual confirmation operation is received for the uncertain product set or the adjusted uncertain product set, a deduction operation for the uncertain product set or the adjusted uncertain product set is executed as a second deduction stage.

[0071] In one or more embodiments of the present specification, after entering the logged-in state, the user mobile terminal can display a short page of associated product information or associated rights and interests information related to the uncertain product and / or the second identity to the current user in the logged-in state. Before the second deduction stage, the user can generate a product adjustment instruction by operating on the short page in real time according to his or her preferences, and send the product adjustment instruction to the merchant's cash register device (for example, indirectly through server communication, or based on Bluetooth or other methods); the merchant's cash register device adjusts the uncertain product set according to the product adjustment instruction so that the deduction operation can be triggered after the adjustment.

[0072] Furthermore, based on the commodity adjustment instructions, more suitable alternative commodities are recommended to the user. Specifically, the commodity adjustment instructions include commodity replacement instructions. When the user's mobile terminal is logged in, it can display information about alternative commodities that can be used to replace uncertain commodities (deterministic commodities may not be displayed). In this case, according to the commodity adjustment instructions, the uncertain commodity set is adjusted, which may include: according to the replacement commodity corresponding to the commodity replacement instruction, the corresponding uncertain commodity in the uncertain commodity set is replaced with the replacement commodity. In this way, with the assistance of the system, the user can instantly replace the commodity to be paid that may not actually be suitable for him with a more suitable replacement commodity with one click, avoiding the user's misselection of commodities due to incomplete information or incomplete consideration, which helps to improve the user experience. From the cashier's perspective, the relevant information is automatically updated and corrected without the need for additional operations on the device. The cashier can recycle the replaced commodity entity and then continue to enter it.

[0073] If the replacement product is already at the checkout counter, it can be directly replaced. Otherwise, the replacement product can be automatically dispatched in parallel. Specifically, after the corresponding uncertain product in the uncertain product set is replaced with the replacement product, and before the deduction operation is performed on the uncertain product set or the adjusted uncertain product set, a replacement product dispatch instruction is sent to a designated merchant employee (e.g., a stock clerk) terminal to instruct the replacement product to be immediately dispatched to the checkout counter or a designated departure area outside the checkout counter for delivery to the current user.

[0074] The designated departure area outside the checkout counter is an area easily accessible to users, such as near an exit. This designated departure area can also be equipped with corresponding product delivery processing equipment that can be linked to the product checkout equipment. In this case, the second deduction stage (for example, involving only replacement products) can be delayed. For example, the second deduction stage can be triggered after the replacement product is actually delivered to the user in the designated departure area, thereby more reliably catering to the user's wishes.

[0075] In one or more embodiments of this specification, when distinguishing between certain and uncertain items, it is possible to detect whether the product information for the first uncertain item among the current user's pending payment items has begun to be entered; if so, it is determined that the current user's pending payment items are in a predefined interaction-ready state. This can make users more sensitive to uncertain items and allow them to promptly pay attention to the next information related to uncertain items displayed on their mobile terminal, thereby allowing them to perform any necessary product adjustments more promptly.

[0076] According to the above description, more intuitively, one or more embodiments of this specification provide Figure 1 A specific implementation scheme of the scheme, see Figure 4 , Figure 4 A flow chart of the scheme is shown in FIG.

[0077] exist Figure 4 In this scenario, the commodity cash register equipment specifically includes two devices, a cash register POS machine and a near-field communication payment terminal, which are connected to each other. The user mobile terminal is specifically the user's smartphone. Of course, these are pre-equipped with corresponding applications, such as payment applications, merchant applications or mini-programs.

[0078] For example, a merchant sells bulk goods, and bulk goods include snacks. In this application scenario, each user often buys multiple or even many different snacks, and the cashier needs to weigh and enter each snack separately. In the bulk goods scenario, in order to facilitate the detection of interactive readiness, a more intelligent weighing device can be used. The weighing device is connected to the product cash register device to more reliably sense the start of cashiering and product entry. This example describes Figure 4 The process in .

[0079] Figure 4 The process in includes the following steps: The intelligent weighing device uses its weight sensor (and may also have a visual sensor) to detect whether the first item to be paid has been weighed and entered. If so, a message can be sent to the product cash register.

[0080] The cash register POS machine and / or the near-field communication payment terminal determines that it has entered the interactive ready state based on this, and then prompts the user to "touch" to enter the payment pre-ready state.

[0081] Following the prompt, the user brings the mobile phone close to the sensing area on the near-field communication payment terminal and touches it, successfully completing near-field communication. Through near-field communication, the mobile phone will send the generated payment code value to the near-field communication payment terminal in advance, and can also perform member identity authentication interaction, thereby realizing member login at the same time. After that, the user will be in the member logged-in state on both the mobile phone and the cash register POS machine.

[0082] When a member is logged in, the mobile phone can access the merchant's application or mini-program, which displays relevant business information, such as recommended products, exchangeable products, and available membership benefits. Users can interact with this business information on their mobile phone as needed, such as making adjustments such as exchanging or adding items to a purchase, or simply browse.

[0083] During this period, the cashier can continue to enter the items to be paid. For items to be paid that can use membership benefits, the corresponding membership benefits can be automatically identified and used during entry. After waiting for all entries to be completed, the cashier can directly click (or verbally notify the user) the "Quick Deduction" button displayed on the cash register POS machine and directly deduct the payment using the payment code value obtained in advance. The near-field communication payment terminal responds to the operation of clicking the button to advance the deduction process. After the payment is successful, all parties receive a payment success message.

[0084] Further, more intuitively, one or more embodiments of this specification provide a schematic diagram comparing the timing principles of the existing solution and the solution of this application, see Figure 5 .

[0085] Figure 5 The time axis in the upper middle portion corresponds to the existing solution, and the time axis in the lower portion corresponds to one of the solutions of the present application, wherein the commodities are commodities to be paid entered by the cashier.

[0086] Comparing the two, we can see that, on the one hand, this application's "touch and go" inductive communication payment method replaces the commonly used QR code payment method in the prior art. More importantly, this application proactively guides users based on checkout start timing detection, prompting them to provide payment authorization information (using a payment code value instead of a payment QR code) and significantly advance the timing of member login. This not only provides users with more flexible access to relevant business information, but also allows cashiers to perform more independent and efficient deduction operations. It also avoids the need for additional prompts to the user to switch payment methods. Both operations can proceed in parallel, preventing either party from being stuck in a passive waiting state, improving overall efficiency and enhancing the experience for both parties. Furthermore, at the checkout start, if the user fails to hear the relevant prompt and "touch and go," the user can be automatically prompted again when a member-priced item is subsequently entered for payment, allowing the user to provide payment authorization information and log in as a member through "touch and go," thereby improving the reliability of the solution.

[0087] Based on the same idea, one or more embodiments of this specification also provide devices and apparatuses corresponding to the above methods, such as Figure 6 、 Figure 7 The apparatus and device can accordingly execute the above method and related optional solutions.

[0088] Figure 6 This is a schematic diagram of the structure of a payment service processing device provided in one or more embodiments of this specification. The device is applied to a merchant cash register device, and the device includes: Interaction ready state detection module 602, detecting whether the current user's to-be-paid product is in a predefined interaction ready state; If yes, the payment early ready prompting module 604 generates payment early ready prompting information and prompts the user, so that the user responds to the payment early ready prompting information and brings the user's mobile terminal close to the merchant's cash register device for inductive communication; The payment authorization advance acquisition module 606 acquires payment authorization information generated by the user mobile terminal based on the first identity in advance through the inductive communication, enters a payment advance ready state, and triggers the user mobile terminal to automatically perform a login operation based on the second identity, entering a logged-in state; A first payment amount determination module 608, after entering the payment pre-ready state, determines the original amount to be paid based on the commodity information entry operation performed by the cashier for the commodity to be paid by the current user; A second payment amount determination module 610 determines an actual amount to be paid based on the original amount to be paid and the logged-in second identity; The deduction operation triggering module 612 triggers a corresponding deduction operation for the first identity according to the payment authorization information and the actual amount to be paid.

[0089] Optionally, the interaction readiness detection module 602 detects whether the commodity information of the designated commodity to be paid has started to be entered; If so, it is determined that the item to be paid for by the current user is in a predefined interaction-ready state.

[0090] Optionally, the designated commodity to be paid is the first commodity to be paid for which commodity information of the current user is entered, or is a commodity to be paid related to the logged-in state.

[0091] Optionally, the merchants include bulk commodity merchants; The interaction ready state detection module 602 detects, through a visual sensor and a weight sensor, whether the designated commodity to be paid has entered the state of visual recognition and weighing to enter commodity information.

[0092] Optionally, the payment ready prompting module 604 obtains profile information of the product to be paid by the current user, the profile information not including the original amount to be paid, and the profile information is collected by a sensor provided for the cashier; predicting, based on the profile information, a time for entering product information of at least some of the products to be paid for by the current user; Determining whether the predicted entry time of the product information is greater than a set time threshold; If so, a payment ready reminder message is generated.

[0093] Optionally, the payment early ready prompting module 604, after determining whether the predicted time for entering the product information is greater than a set time threshold, does not issue the prompt if not, so as to temporarily not obtain the payment authorization information; The payment authorization advance acquisition module 606 acquires the payment authorization information from the user's mobile terminal through inductive communication after determining that the commodity information entry operation for all commodities to be paid for the current user is completed.

[0094] Optionally, the payment authorization advance acquisition module 606 generates and displays a quick deduction control; If the cashier performs a corresponding operation on the quick deduction control, the deduction is performed directly according to the payment authorization information obtained in advance.

[0095] Optionally, after entering the payment advance ready state, the payment authorization advance obtaining module 606 predicts whether the currently entered commodity to be paid belongs to a predefined deterministic commodity or a predefined uncertain commodity based on the commodity information entry operation performed by the cashier on the commodity to be paid by the current user; According to the prediction results, the items to be paid for the current user that have been successively entered are divided accordingly to obtain a set of deterministic items and a set of uncertain items; The deduction operation triggering module 612 automatically executes the deduction operation for the deterministic product set in advance as the first deduction stage; After the first deduction stage, if a manual confirmation operation is received for the uncertain product set or the adjusted uncertain product set, a deduction operation for the uncertain product set or the adjusted uncertain product set is performed as a second deduction stage.

[0096] Optionally, after entering the logged-in state, the payment authorization advance acquisition module 606 receives a product adjustment instruction sent by the current user via the user mobile terminal, wherein, in the logged-in state, the user mobile terminal displays a short-lived page of associated product information or associated rights and interests information related to the uncertain product and / or related to the second identity, and the product adjustment instruction is generated by an operation on the short-lived page; The uncertain commodity set is adjusted according to the commodity adjustment instruction, so that the deduction operation is triggered after the adjustment.

[0097] Optionally, the commodity adjustment instruction includes a commodity replacement instruction, and the user mobile terminal, in the logged-in state, displays information of a substitute commodity that can be used to replace the uncertain commodity; The payment authorization advance acquisition module 606 replaces the corresponding uncertain commodity in the uncertain commodity set with the replacement commodity according to the replacement commodity corresponding to the commodity replacement instruction.

[0098] Optionally, after the corresponding uncertain commodity in the uncertain commodity set is replaced with the replacement commodity, and before the deduction operation is performed on the uncertain commodity set or the adjusted uncertain commodity set, the payment authorization advance acquisition module 606 sends a replacement commodity dispatch instruction to the designated merchant employee terminal to instruct the replaced replacement commodity to be immediately dispatched to the checkout counter or a designated departure area outside the checkout counter for delivery to the current user.

[0099] Optionally, the interaction readiness detection module 602 detects whether the product information of the first uncertain product among the products to be paid by the current user has started to be entered; If so, it is determined that the item to be paid for by the current user is in a predefined interaction-ready state.

[0100] Optionally, the inductive communication includes near field communication.

[0101] Figure 7 This is a schematic diagram of the structure of a payment service processing device provided in one or more embodiments of this specification. The device is applied to a merchant cash register 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, wherein the instructions are executed by the at least one processor to enable the at least one processor to perform: Check whether the current user's pending payment item is in a predefined interaction-ready state; If yes, generating payment advance ready prompt information and prompting the user, so that the user responds to the payment advance ready prompt information and brings the user mobile terminal close to the merchant cash register device for inductive communication; Through the inductive communication, the payment authorization information generated by the user mobile terminal based on the first identity is obtained in advance, thereby entering a payment ready state, and triggering the user mobile terminal to automatically perform a login operation based on the second identity, thereby entering a logged-in state; After entering the payment pre-ready state, determining the original amount to be paid according to the commodity information entry operation performed by the cashier on the commodity to be paid for the current user; determining an actual amount to be paid based on the original amount to be paid and the logged-in second identity; According to the payment authorization information and the actual amount to be paid, a corresponding deduction operation for the first identity is triggered.

[0102] Based on the same idea, one or more embodiments of this specification further provide a non-volatile computer storage medium, which is applied to a merchant cash register device. The medium stores computer-executable instructions, and the computer-executable instructions are configured as follows: Check whether the current user's pending payment item is in a predefined interaction-ready state; If yes, generating payment advance ready prompt information and prompting the user, so that the user responds to the payment advance ready prompt information and brings the user mobile terminal close to the merchant cash register device for inductive communication; Through the inductive communication, the user mobile terminal obtains payment authorization information generated based on the first identity in advance, enters a payment ready state, and triggers the user mobile terminal to automatically perform a login operation based on the second identity, entering a logged-in state; After entering the payment pre-ready state, determining the original amount to be paid according to the commodity information entry operation performed by the cashier on the commodity to be paid for the current user; determining an actual amount to be paid based on the original amount to be paid and the logged-in second identity; According to the payment authorization information and the actual amount to be paid, a corresponding deduction operation for the first identity is triggered.

[0103] 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.

[0104] 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.

[0105] 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.

[0106] 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.

[0107] 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.

[0108] 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.

[0109] 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.

[0110] 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.

[0111] This specification may be described in the general context of computer-executable instructions, such as program modules, executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform specific tasks or implement specific abstract data types. This specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media, including storage devices.

[0112] 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.

[0113] 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.

[0114] 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, applied to a merchant cash register device, comprising: Check whether the current user's pending payment item is in a predefined interaction-ready state; If yes, generating payment advance ready prompt information and prompting the user, so that the user responds to the payment advance ready prompt information and brings the user mobile terminal close to the merchant cash register device for inductive communication; Through the inductive communication, the payment authorization information generated by the user mobile terminal based on the first identity is obtained in advance, thereby entering a payment ready state, and triggering the user mobile terminal to automatically perform a login operation based on the second identity, thereby entering a logged-in state; After entering the payment pre-ready state, determining the original amount to be paid according to the commodity information entry operation performed by the cashier on the commodity to be paid for the current user; determining an actual amount to be paid based on the original amount to be paid and the logged-in second identity; According to the payment authorization information and the actual amount to be paid, a corresponding deduction operation for the first identity is triggered.

2. The method according to claim 1, wherein detecting whether the current user's product to be paid is in a predefined interaction-ready state specifically comprises: Check whether the product information of the specified product to be paid has started to be entered; If so, it is determined that the item to be paid for by the current user is in a predefined interaction-ready state.

3. The method according to claim 2, wherein the designated item to be paid is the first item to be paid for which the current user has entered item information, or is an item to be paid related to the logged-in state.

4. The method according to claim 2, wherein the merchant comprises a mass merchandise merchant; The step of detecting whether the commodity information of the designated commodity to be paid has started to be entered specifically includes: Vision sensors and weight sensors are used to detect whether the designated goods to be paid have entered the state of visual recognition and weighing to enter the product information.

5. The method according to claim 1, wherein generating the payment early readiness prompt information specifically comprises: Obtaining profile information of the current user's goods to be paid, wherein the profile information does not include the original amount to be paid, and the profile information is collected by a sensor provided for the cashier; predicting, based on the profile information, a time for entering product information of at least some of the products to be paid for by the current user; Determining whether the predicted entry time of the product information is greater than a set time threshold; If so, a payment ready reminder message is generated.

6. The method according to claim 5, after determining whether the predicted time of entry of the product information is greater than a set time threshold, the method further comprises: If not, the prompt is not made, so as not to obtain the payment authorization information temporarily; After determining that the commodity information entry operation for all commodities to be paid for the current user is completed, the payment authorization information is obtained from the user mobile terminal through inductive communication.

7. The method according to claim 1, wherein entering the payment ready state specifically comprises: Generate and display quick deduction controls; If the cashier performs a corresponding operation on the quick deduction control, the deduction is performed directly according to the payment authorization information obtained in advance.

8. The method according to claim 1, further comprising: According to the cashier's continued operation of entering commodity information for the current user's commodity to be paid, predicting whether the currently entered commodity to be paid belongs to a predefined deterministic commodity or a predefined uncertain commodity; According to the prediction results, the items to be paid for the current user that have been successively entered are divided accordingly to obtain a set of deterministic items and a set of uncertain items; The triggering of the corresponding deduction operation for the first identity specifically includes: Automatically executing the deduction operation for the deterministic set of products in advance as the first deduction stage; After the first deduction stage, if a manual confirmation operation is received for the uncertain product set or the adjusted uncertain product set, a deduction operation for the uncertain product set or the adjusted uncertain product set is performed as a second deduction stage.

9. The method according to claim 8, after entering the logged-in state, the method further comprises: receiving a product adjustment instruction sent by the current user via the user mobile terminal, wherein the user mobile terminal, in the logged-in state, displays a transient page of associated product information or associated rights and interests information related to the uncertain product and / or the second identity, and the product adjustment instruction is generated by an operation on the transient page; The uncertain commodity set is adjusted according to the commodity adjustment instruction, so that the deduction operation is triggered after the adjustment.

10. The method according to claim 9, wherein the commodity adjustment instruction comprises a commodity replacement instruction, and the user mobile terminal, in the logged-in state, displays information of a substitute commodity that can be used to replace the uncertain commodity; The adjusting of the uncertain commodity set according to the commodity adjustment instruction specifically includes: According to the replacement product corresponding to the product replacement instruction, the corresponding uncertain product in the uncertain product set is replaced with the replacement product.

11. The method according to claim 10, wherein after replacing the corresponding uncertain product in the uncertain product set with the replacement product and before executing the deduction operation for the uncertain product set or the adjusted uncertain product set, the method further comprises: Send a replacement product dispatch instruction to the designated merchant employee terminal to instruct the replacement product to be immediately dispatched to the cashier counter or a designated departure area outside the cashier counter for delivery to the current user.

12. The method according to any one of claims 8 to 11, wherein detecting whether the current user's to-be-paid item is in a predefined interaction-ready state specifically comprises: Detecting whether the product information of the first uncertain product among the products to be paid for by the current user has started to be entered; If so, it is determined that the item to be paid for by the current user is in a predefined interaction-ready state.

13. The method according to any one of claims 1 to 11, wherein the inductive communication comprises near field communication.

14. A payment service processing device, applied to a merchant cash register device, comprising: The interaction readiness state detection module detects whether the current user's to-be-paid item is in a predefined interaction readiness state; a payment advance ready prompting module, if yes, generating payment advance ready prompting information and prompting the user, so that the user responds to the payment advance ready prompting information and brings the user's mobile terminal close to the merchant's cash register device for inductive communication; a payment authorization advance acquisition module, which acquires payment authorization information generated by the user mobile terminal based on the first identity in advance through the inductive communication, enters a payment advance ready state, and triggers the user mobile terminal to automatically perform a login operation based on the second identity, entering a logged-in state; a first payment amount determination module, after entering the payment pre-ready state, determining the original amount to be paid based on the commodity information entry operation continued by the cashier for the commodity to be paid by the current user; a second payment amount determination module, which determines an actual amount to be paid according to the original amount to be paid and the logged-in second identity; A deduction operation triggering module triggers a corresponding deduction operation for the first identity according to the payment authorization information and the actual amount to be paid.

15. The device according to claim 14, wherein the interaction readiness detection module detects whether the commodity information of the designated commodity to be paid has started to be entered; If so, it is determined that the item to be paid for by the current user is in a predefined interaction-ready state.

16. The device according to claim 15, wherein the designated commodity to be paid is the first commodity to be paid for which commodity information of the current user is entered, or is a commodity to be paid related to the logged-in state.

17. The apparatus of claim 15, wherein the merchant comprises a mass merchandise merchant; The interaction readiness state detection module detects, through a visual sensor and a weight sensor, whether the designated commodity to be paid has entered the state of visual recognition and weighing to enter commodity information.

18. The device of claim 14, wherein the payment readiness prompt module obtains profile information of the current user's pending payment item, the profile information not including the original amount to be paid, and the profile information is collected by a sensor provided at the cash register; predicting, based on the profile information, a time for entering product information of at least some of the products to be paid for by the current user; Determining whether the predicted entry time of the product information is greater than a set time threshold; If so, a payment ready reminder message is generated.

19. The device of claim 18, wherein the payment early readiness prompt module, after determining whether the predicted time for entering the product information is greater than a set time threshold, does not provide the prompt if not, thereby temporarily refraining from obtaining the payment authorization information; The payment authorization advance acquisition module obtains the payment authorization information from the user mobile terminal through inductive communication after determining that the commodity information entry operation for all commodities to be paid for the current user is completed.

20. The device of claim 14, wherein the payment authorization advance acquisition module generates and displays a quick deduction control; If the cashier performs a corresponding operation on the quick deduction control, the deduction is performed directly according to the payment authorization information obtained in advance.

21. The apparatus of claim 14, wherein after entering the payment advance ready state, the payment authorization advance acquisition module predicts whether the currently entered commodity to be paid belongs to a predefined deterministic commodity or a predefined uncertain commodity based on the commodity information entry operation performed by the cashier for the current user's commodity to be paid; According to the prediction results, the items to be paid for the current user that have been successively entered are divided accordingly to obtain a set of deterministic items and a set of uncertain items; The deduction operation trigger module automatically executes the deduction operation for the deterministic product set in advance as the first deduction stage; After the first deduction stage, if a manual confirmation operation is received for the uncertain product set or the adjusted uncertain product set, a deduction operation for the uncertain product set or the adjusted uncertain product set is performed as a second deduction stage.

22. The device according to claim 21, wherein after entering the logged-in state, the payment authorization advance acquisition module receives a commodity adjustment instruction sent by the current user via the user mobile terminal, wherein: The user mobile terminal, in the logged-in state, displays a short-term page of associated product information or associated rights and interests information related to the uncertain product and / or the second identity, and the product adjustment instruction is generated by operating on the short-term page; The uncertain commodity set is adjusted according to the commodity adjustment instruction, so that the deduction operation is triggered after the adjustment.

23. The apparatus according to claim 22, wherein the commodity adjustment instruction comprises a commodity replacement instruction, and the user mobile terminal, in the logged-in state, displays information of a substitute commodity that can be used to replace the uncertain commodity; The payment authorization advance acquisition module replaces the corresponding uncertain commodity in the uncertain commodity set with the replacement commodity according to the replacement commodity corresponding to the commodity replacement instruction.

24. The device according to any one of claims 21 to 23, wherein the interaction readiness detection module detects whether the product information of the first uncertain product among the products to be paid by the current user has started to be entered; If so, it is determined that the item to be paid for by the current user is in a predefined interaction-ready state.

25. A payment service processing device, used in a merchant cash register 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: Check whether the current user's pending payment item is in a predefined interaction-ready state; If yes, generating payment advance ready prompt information and prompting the user, so that the user responds to the payment advance ready prompt information and brings the user mobile terminal close to the merchant cash register device for inductive communication; Through the inductive communication, the payment authorization information generated by the user mobile terminal based on the first identity is obtained in advance, thereby entering a payment ready state, and triggering the user mobile terminal to automatically perform a login operation based on the second identity, thereby entering a logged-in state; After entering the payment pre-ready state, determining the original amount to be paid according to the commodity information entry operation performed by the cashier on the commodity to be paid for the current user; determining an actual amount to be paid based on the original amount to be paid and the logged-in second identity; According to the payment authorization information and the actual amount to be paid, a corresponding deduction operation for the first identity is triggered.

Images