Near field communication-based money payment method, apparatus and device, and medium

Abstract

The invention discloses a near field communication-based money payment method, apparatus and device, and a medium. The method comprises the following steps: in response to payment operation of a user for target near-field equipment, obtaining transaction information matched with the payment operation; and obtaining equipment information of the target near-field equipment, generating a money deduction command based on a preset rule according to the transaction information and the equipment information, and sending the money deduction command to the target near-field equipment, so that the target near-field equipment completes payment operation based on the money deduction command. Through the technical scheme of the invention, the verification of the money payment operation can be completed based on the near field communication equipment, the convenience of the money payment operation is improved, the completion cost of the money payment operation is reduced, and the stability and safety of the payment operation are improved at the same time.

Description

Technical Field

[0001] The present invention relates to the field of mobile payment, and in particular to a pocket money payment method, device, equipment and medium based on near field communication. Background Art

[0002] In recent years, the mobile payment industry has experienced rapid growth, significantly changing people's lifestyles and bringing unprecedented convenience to daily consumption. However, for students, existing payment methods present significant pain points due to the unique consumption scenarios surrounding school-based businesses, high customer traffic and short periods of time, and the typically small amounts of individual purchases.

[0003] Currently, there are several main methods for students to pay for their pocket money, each with significant drawbacks: 1) Cash payment: Parents give their children daily pocket money in cash, which the students then pay with cash to merchants. With the prevalence of mobile payments, parents need to exchange their pocket money for cash in advance, which is extremely inconvenient. For students, carrying cash is loose and easily lost. 2) Electronic code payment via children's watches: Parents transfer change to smart devices such as children's electronic watches using apps like WeChat or Alipay. Students then install the same app on their devices and display the electronic code to pay. This method requires students to equip themselves with smart watches, which is costly. 3) Shopping card payment: Students can use pre-loaded shopping cards at larger supermarkets. However, this method requires regular manual top-up and is limited in the range of merchants it supports. Furthermore, this method is not suitable for the flexible transfer of pocket money in and out, resulting in limited flexibility. 4) The existing NFC tap-to-pay method, while a new mobile payment method, is not yet supported on children's watches. The payer still needs to touch their phone or other device to pay, which is relatively expensive.

[0004] In summary, existing pocket money payment methods have the problems of poor convenience, stability and security of pocket money payment operations, and high completion costs of pocket money payment operations. Summary of the Invention

[0005] The present invention provides a pocket money payment method, device, equipment and medium based on near-field communication, which can solve the problems of existing pocket money payment methods, such as poor convenience, stability and security of pocket money payment operations, and high completion costs of pocket money payment operations.

[0006] In a first aspect, an embodiment of the present invention provides a pocket money payment method based on near field communication, the method comprising:

[0007] In response to a user's payment operation on a target near-field device, obtaining transaction information matching the payment operation;

[0008] The device information of the target near-field device is obtained, and a deduction command is generated based on a preset rule according to the transaction information and the device information and sent to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command.

[0009] In a second aspect, an embodiment of the present invention provides a pocket money payment device based on near field communication, the device comprising:

[0010] An information acquisition module, configured to, in response to a user's payment operation on a target near-field device, acquire transaction information matching the payment operation;

[0011] The payment module is used to obtain the device information of the target near-field device, generate a deduction command based on the transaction information and the device information based on preset rules, and send it to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command.

[0012] In a third aspect, an embodiment of the present invention provides an electronic device, comprising:

[0013] at least one processor; and

[0014] a memory communicatively connected to the at least one processor; wherein,

[0015] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the pocket money payment method based on near field communication described in any embodiment of the present invention.

[0016] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement a pocket money payment method based on near-field communication as described in any embodiment of the present invention when executed.

[0017] In a fifth aspect, an embodiment of the present invention provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements a pocket money payment method based on near field communication as described in any embodiment of the present invention.

[0018] The technical solution of the embodiment of the present invention obtains transaction information matching the payment operation in response to the user's payment operation on the target near-field device, then obtains the device information of the target near-field device, generates a deduction command based on preset rules according to the transaction information and the device information, and sends it to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command, thereby solving the problems of poor convenience, stability and security of the pocket money payment operation and high completion cost of the pocket money payment operation in the existing pocket money payment methods, and can complete the verification of the pocket money payment operation based on the near-field communication device, thereby improving the convenience of the pocket money payment operation, reducing the completion cost of the pocket money payment operation, and improving the stability and security of the payment operation.

[0019] It should be understood that the content described in this section is not intended to identify the key or important features of the embodiments of the present invention, nor is it intended to limit the scope of the present invention. Other features of the present invention will become readily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0021] Figure 1 This is a flowchart of a pocket money payment method based on near field communication according to the first embodiment of the present invention;

[0022] Figure 2 This is a flow chart of a pocket money payment method based on near field communication according to the second embodiment of the present invention;

[0023] Figure 3 2 is a schematic diagram of a pocket money payment device based on near field communication according to a third embodiment of the present invention;

[0024] Figure 4 The present invention is a schematic structural diagram of an electronic device for implementing a pocket money payment method based on near field communication according to an embodiment of the present invention. DETAILED DESCRIPTION

[0025] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0026] It should be noted that the terms "first," "second," and the like in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or precedence. It should be understood that the numbers used in this manner are interchangeable where appropriate so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, any variations of the terms "including" and "having" are intended to cover non-exclusive inclusions. For example, a process, method, system, product, or apparatus that includes a series of steps or units is not necessarily limited to those steps or units that are explicitly listed, but may include other steps or units that are not explicitly listed or that are inherent to these processes, methods, products, or apparatus.

[0027] Example 1

[0028] Figure 1 A flowchart of a pocket money payment method based on near-field communication is provided for embodiment 1 of the present invention. This embodiment is applicable to the situation where pocket money is paid through a near-field device. The method can be executed by a pocket money payment device based on near-field communication. The pocket money payment device based on near-field communication can be implemented in the form of hardware and / or software. The pocket money payment device based on near-field communication can be configured in a terminal or server with a pocket money payment function based on near-field communication.

[0029] like Figure 1 As shown, the method includes:

[0030] S110: In response to a user's payment operation on a target near-field device, obtain transaction information matching the payment operation.

[0031] In this embodiment, the target near-field device can be an NFC (Near Field Communication) sticker. Accordingly, the payment operation for the target near-field device can be performed by a user using an NFC-enabled mobile terminal, such as a mobile phone or tablet, to approach a payment device with an NFC sticker. When the mobile terminal is close to the NFC sticker, the NFC chip built into the mobile terminal will communicate with the NFC sticker. During this process, the NFC sticker will send specific instructions and data to the mobile terminal, triggering the mobile terminal to launch the corresponding payment application.

[0032] Among them, the transaction information includes: the amount to be paid, the merchant administrative area code and the transaction merchant information; specifically, the amount to be paid refers to the specific monetary amount that the user needs to pay after completing the purchase of goods or receiving services; the merchant administrative area code is a specific code used to identify the administrative area where the merchant is located. Through this code, the geographical location of the merchant can be accurately located; the transaction merchant information covers the merchant's basic information, including the merchant name, business address, contact information, etc.

[0033] Furthermore, the device information includes: device identification code, device balance, device limit, consumption history information within a preset period length, and a preset consumption whitelist.

[0034] Specifically, the device identification code is a string of codes used to uniquely identify a near-field device. Taking an NFC sticker as an example, it may be a specific code solidified in the chip during production, such as "NFCTZ00123456". This string of codes is unique in the entire payment system and is used to distinguish different NFC stickers; the device balance refers to the amount of available funds remaining in the account associated with the target near-field device, which intuitively reflects the amount of funds currently available for payment by the user; the device limit is a restriction on the transaction amount of the target near-field device under certain conditions, which can be a daily limit, a monthly limit, etc. For example, the daily limit set for a certain target near-field device is 5,000 yuan, which means that the total amount paid by the user using the device in one day cannot exceed 5,000 yuan. The purpose is to ensure the safety of users' funds and control transaction risks; the consumption history information within the preset period length records all consumption records of the device within a preset period of time. Assuming the preset period is one month, then every consumption made by the device within this month, including consumption time, consumption amount, consumption merchant and other information will be recorded; the consumption whitelist is a pre-set list of merchants or transaction types that are allowed to trade, including the merchant administrative district code of the merchants allowed to trade and transaction merchant information.

[0035] Optionally, in response to a user's payment operation on a target near-field device, before obtaining transaction information matching the payment operation, it also includes: in response to a user's activation operation, obtaining a device identification code matching the near-field device to be activated, and performing an activation operation on the near-field device to be activated based on the device identification code to obtain the target near-field device; in response to a user's account binding operation, obtaining the user's account verification information and sending it to the target near-field device, so that the target near-field device completes the payment operation based on the account verification information and the deduction command; in response to a user's setting operation, generating a device limit and a consumption whitelist, and sending them to the target near-field device.

[0036] The activation operation refers to the user enabling access to a near-field device. For example, when a student receives a new NFC sticker and uses it for the first time, they follow the system's instructions and click the corresponding activation button on the parent management app. This series of actions constitutes the activation operation. During this process, the system obtains a device identification code that matches the near-field device to be activated. Based on this device identification code, the system activates the near-field device to be activated, transforming it into a target near-field device that can be used normally. Furthermore, the account binding operation involves the user associating their payment account with the target near-field device. For example, a parent enters their bank account number, payment password, and other information in the pocket money management system and clicks the bind button. This input information serves as account verification information. The system obtains this account verification information and sends it to the target near-field device. This way, when a payment is subsequently required, the target near-field device can complete the payment based on this account verification information and the received debit command. Furthermore, the device limit is the maximum amount that the target near-field device can pay within a certain period of time, as set by the user. For example, a parent might set a daily limit of 50 yuan and a weekly limit of 200 yuan for their child's NFC sticker. The "consumption whitelist" consists of the merchant administrative district codes and transaction merchant information of merchants that users allow payment with the target near-field device. For example, if a parent believes that stationery stores and bookstores near the school can be paid with pocket money, they can enter these store information and merchant administrative district codes into the system to form a consumption whitelist. Once the setup is complete, the system will send the generated device limit and consumption whitelist to the target near-field device for rule verification during payment.

[0037] S120: Obtain device information of the target near-field device, generate a deduction command based on preset rules according to the transaction information and the device information, and send it to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command.

[0038] The technical solution of the embodiment of the present invention obtains transaction information matching the payment operation in response to the user's payment operation on the target near-field device, then obtains the device information of the target near-field device, generates a deduction command based on preset rules according to the transaction information and the device information, and sends it to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command, and can complete the verification of the pocket money payment operation based on the near-field communication device, thereby improving the convenience of the pocket money payment operation, reducing the completion cost of the pocket money payment operation, and improving the stability and security of the payment operation.

[0039] Example 2

[0040] Figure 2 A flowchart of a pocket money payment method based on near-field communication is provided in the second embodiment of the present invention. This embodiment is refined based on the above embodiment. In this embodiment, the method of generating a deduction command based on preset rules according to the transaction information and the device information is specifically refined.

[0041] like Figure 2 As shown, the method includes:

[0042] S210: In response to a user's payment operation on a target near-field device, obtain transaction information matching the payment operation.

[0043] S220: Obtain device information of the target near-field device, determine the start / stop status of the target near-field device according to the device identification code in the device information, and after determining that the target near-field device is in the start state, obtain the current time as the first time.

[0044] Among them, the start-stop status is used to indicate whether the target near-field device is currently in a state where it can be used normally. The start-up state means that the target near-field device can perform payment and other related operations, while the stop state means that the target near-field device is restricted from use. For example, when parents find that their child’s NFC sticker is lost, in order to prevent others from stealing pocket money, they set the corresponding device to the stop state on the parent management end; or when the child uses pocket money exceeding the set limit, the system automatically sets the device to the stop state. Specifically, the system queries the start-stop identification field corresponding to the device in the background database based on the device identification code. If the field value is "on", the device is determined to be in the start-up state; if it is "off", it is determined to be in the stop state.

[0045] S230: Acquire a device balance, preset transaction rules, and preset verification rules that match the target near-field device according to the device information.

[0046] For example, the device balance refers to the remaining payable amount stored in the account associated with the target NFC device. For example, if a parent transfers 100 yuan to their child's NFC sticker pocket money wallet every week, and the child has previously spent 30 yuan, the device balance would be 70 yuan. The system uses the device identification code to search the corresponding device's balance field in the backend database to obtain accurate device balance information.

[0047] S240: Determine whether the payment operation is legal based on the device balance, transaction information, transaction rules, and verification rules.

[0048] Among them, judging whether the payment operation is legal based on the device balance, transaction information, transaction rules and verification rules includes: judging whether the device balance is not less than the amount to be paid in the transaction information; if the device balance is not less than the amount to be paid in the transaction information, judging whether the payment operation complies with the preset transaction rules based on the device information and the transaction information; if it is judged that the payment operation complies with the preset transaction rules, judging whether the payment operation is legal based on the verification rules and the transaction information.

[0049] Furthermore, judging whether the payment operation complies with preset transaction rules based on the device information and the transaction information includes: judging whether the target near-field device meets the limit requirements based on the device limit in the device information, the consumption history information, and the amount to be paid in the transaction information; if it is judged that the target near-field device meets the limit requirements, determining that the payment operation complies with preset transaction rules; if it is judged that the target near-field device does not meet the limit requirements, generating a payment rejection command to cause the target near-field device to terminate the payment operation based on the payment rejection command.

[0050] Furthermore, judging whether the payment operation is legal based on the verification rules and the transaction information includes: judging whether the transaction merchant information in the transaction information is located in the preset consumption whitelist; if so, judging whether the merchant administrative region code in the transaction information is located in the preset consumption whitelist, and after judging that the merchant administrative region code is located in the preset consumption whitelist, judging that the payment operation is legal; if not, judging that the payment operation is illegal, and generating a payment rejection command, so that the target near-field device ends the payment operation based on the payment rejection command.

[0051] In a specific implementation scenario of this embodiment, based on the above steps, when judging whether the payment operation is legal, it is first necessary to judge whether the device balance is not less than the amount to be paid in the transaction information. For example, when a student uses an NFC sticker to purchase a commodity priced at 8 yuan, if the device balance is 15 yuan, 15 yuan is greater than 8 yuan, and this condition is met, the next step of judgment is entered; if the device balance is 5 yuan, which is less than 8 yuan, the payment operation is directly judged to be illegal and the transaction cannot be carried out. If the device balance is not less than the amount to be paid in the transaction information, then it is judged whether the payment operation complies with the preset transaction rules based on the device information and the transaction information. Among them, based on the device limit in the device information, the consumption history information and the amount to be paid in the transaction information, it is judged whether the target near-field device meets the limit requirements. The device limit is the maximum amount that the target near-field device can pay within a certain period of time set by the user, and the consumption history information records all consumption of the target near-field device within the preset period. Suppose a parent sets a daily limit of 50 yuan for their child's NFC sticker. On the same day, the child has already spent 30 yuan and now wants to purchase a 25 yuan item. The outstanding payment of 25 yuan plus the 30 yuan already spent totals 55 yuan, exceeding the 50 yuan daily limit. This indicates that the target NFC device does not meet the limit requirement, and the system generates a payment rejection command. Upon receiving this command, the target NFC device terminates the payment operation. However, if the child has only spent 20 yuan that day and now purchases a 25 yuan item, the 20 yuan plus 25 yuan does not exceed the 50 yuan daily limit. Therefore, the target NFC device is deemed to meet the limit requirement, and the payment operation is determined to comply with the pre-set transaction rules, proceeding to the next step. If the payment operation is deemed to comply with the pre-set transaction rules, the payment is then verified based on the transaction information and the validation rules. This step first determines whether the merchant information in the transaction information is on the pre-set consumer whitelist. The consumer whitelist is a user-defined list of merchants that are allowed to pay with the target NFC device. For example, parents believe that stores such as the "Morning Glory Stationery Store" around the school can be paid with pocket money, so they enter the information of these stores into the system to form a consumption whitelist. If the transaction merchant information is on this list, then determine whether the merchant administrative district code in the transaction information is on the preset consumption whitelist. Suppose the parents set that the child can only use NFC stickers for payment in the administrative district where the school is located. If the merchant administrative district code is consistent with the school's administrative district code, after determining that the merchant administrative district code is on the preset consumption whitelist, the payment operation is determined to be legal and the transaction can proceed smoothly; if the transaction merchant information is not on the consumption whitelist, or the merchant administrative district code is not on the preset consumption whitelist, the payment operation is determined to be illegal, and the system will generate a payment rejection command. After the target near-field device receives the command, the payment operation ends.

[0052] S250: If the payment operation is determined to be legal, the current time is obtained as the second time, and the difference between the first time and the second time is calculated as the payment verification time.

[0053] S260: Determine whether the payment verification time meets a preset time limit requirement, and generate a deduction command based on the determination result and send it to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command.

[0054] Among them, the preset time limit requirement = is a time range preset by the user or the system, which stipulates how long the payment verification operation should take to complete. It can be set by the user or developer according to the actual scenario, and this embodiment does not limit its specific value.

[0055] Furthermore, the system determines whether the payment verification time meets this preset requirement. If the payment verification time is within the preset time range, the payment verification process is legal. The system generates a deduction command containing the exact amount to be paid and relevant information about the target near-field device. The system then sends this command to the target near-field device. After receiving the deduction command, the target near-field device deducts the corresponding amount to be paid from the associated account balance based on the information contained therein, thereby completing the payment operation. Conversely, if the payment verification time exceeds the preset time range, it indicates that the payment verification process may have been abnormal or delayed. To ensure the security and reliability of the payment, the system may determine that the payment is risky and will also generate a payment rejection command and send it to the target near-field device, causing the target near-field device to terminate the payment operation. Through this rigorous time judgment mechanism, the system can further ensure the timeliness and security of payments while ensuring the legality of the payment, providing users with a more stable and reliable payment experience.

[0056] The technical solution of an embodiment of the present invention obtains transaction information matching the payment operation in response to a user's payment operation on a target near-field device, then obtains device information of the target near-field device, determines the start / stop status of the target near-field device based on a device identification code in the device information, and after determining that the target near-field device is in the start state, obtains the current time as a first time, then obtains the device balance, preset transaction rules, and preset verification rules matching the target near-field device based on the device information, and determines whether the payment operation is legal based on the device balance, transaction information, transaction rules, and verification rules. If the payment operation is determined to be legal, obtains the current time as a second time, calculates the difference between the first time and the second time as the payment verification time, then determines whether the payment verification time meets a preset time limit requirement, and generates a deduction command based on the determination result and sends it to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command. This allows the verification of the pocket money payment operation to be completed based on the near-field communication device, thereby improving the convenience of the pocket money payment operation, reducing the completion cost of the pocket money payment operation, and improving the stability and security of the payment operation.

[0057] Example 3

[0058] Figure 3 This is a structural diagram of a pocket money payment device based on near field communication provided in Example 3 of the present invention.

[0059] like Figure 3 As shown, the device includes:

[0060] An information acquisition module 310 is configured to, in response to a user's payment operation on a target near-field device, acquire transaction information matching the payment operation;

[0061] The payment module 320 is used to obtain the device information of the target near-field device, generate a deduction command based on the transaction information and the device information based on preset rules, and send it to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command.

[0062] The technical solution of the embodiment of the present invention obtains transaction information matching the payment operation in response to the user's payment operation on the target near-field device, then obtains the device information of the target near-field device, generates a deduction command based on preset rules according to the transaction information and the device information, and sends it to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command, and can complete the verification of the pocket money payment operation based on the near-field communication device, thereby improving the convenience of the pocket money payment operation, reducing the completion cost of the pocket money payment operation, and improving the stability and security of the payment operation.

[0063] Based on the above embodiment, the payment module 320 includes:

[0064] a first time acquisition unit, configured to determine the start / stop state of the target near-field device according to the device identification code in the device information, and after determining that the target near-field device is in the start state, acquire the current time as the first time;

[0065] a verification rule acquisition unit, configured to acquire, based on the device information, a device balance, a preset transaction rule, and a preset verification rule that matches the target near-field device;

[0066] a first judgment unit, configured to judge whether the payment operation is legal based on the device balance, transaction information, transaction rules, and verification rules;

[0067] a second time acquisition unit, configured to, if it is determined that the payment operation is legal, acquire the current time as the second time, and calculate the difference between the first time and the second time as the payment verification time;

[0068] The second judgment unit is used to judge whether the payment verification time meets the preset time limit requirement, and generate a deduction command according to the judgment result.

[0069] Based on the above embodiment, the first judgment unit includes:

[0070] an amount determination unit, configured to determine whether the device balance is not less than the amount to be paid in the transaction information;

[0071] a first rule determination unit, configured to determine whether the payment operation complies with a preset transaction rule based on the device information and the transaction information if the device balance is not less than the amount to be paid in the transaction information;

[0072] The second rule judgment unit is configured to judge whether the payment operation is legal based on the verification rule and the transaction information if it is judged that the payment operation complies with the preset transaction rule.

[0073] Based on the above embodiment, the first rule determination unit includes:

[0074] a limit determination unit, configured to determine whether the target near-field device meets the limit requirement based on the device limit in the device information, the consumption history information, and the amount to be paid in the transaction information;

[0075] a first determining unit, configured to determine whether the payment operation complies with a preset transaction rule if it is determined that the target near-field device meets the limit requirement;

[0076] The first terminating unit is configured to generate a payment rejection command if it is determined that the target near-field device does not meet the limit requirement, so that the target near-field device terminates the payment operation based on the payment rejection command.

[0077] Based on the above embodiment, the second rule judgment unit includes:

[0078] A whitelist determination unit, configured to determine whether the transaction merchant information in the transaction information is in a preset consumer whitelist;

[0079] a second determining unit, configured to, if yes, determine whether the merchant administrative region code in the transaction information is in a preset consumer whitelist, and determine that the payment operation is legal after determining that the merchant administrative region code is in the preset consumer whitelist;

[0080] The second terminating unit is configured to, if not, determine that the payment operation is illegal and generate a payment rejection command, so that the target near-field device terminates the payment operation based on the payment rejection command.

[0081] On the basis of the above embodiment, the information acquisition module 310 is also used to: respond to the user's payment operation on the target near-field device, before obtaining the transaction information matching the payment operation, respond to the user's activation operation, obtain the device identification code matching the near-field device to be activated, and activate the near-field device to be activated based on the device identification code to obtain the target near-field device; respond to the user's account binding operation, obtain the user's account verification information and send it to the target near-field device, so that the target near-field device completes the payment operation based on the account verification information and the deduction command; respond to the user's setting operation, generate a device limit and a consumption whitelist, and send them to the target near-field device.

[0082] A pocket money payment device based on near field communication provided by an embodiment of the present invention can execute a pocket money payment method based on near field communication provided by any embodiment of the present invention, and has functional modules and beneficial effects corresponding to the execution method.

[0083] Example 4

[0084] Figure 4A schematic diagram of the structure of an electronic device 10 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or claimed herein.

[0085] like Figure 4 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by the at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. Various programs and data required for the operation of the electronic device 10 can also be stored in the RAM 13. The processor 11, ROM 12 and RAM 13 are connected to each other via a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0086] Multiple components in the electronic device 10 are connected to the I / O interface 15, including an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a magnetic disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0087] The processor 11 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as a pocket money payment method based on near-field communication.

[0088] Accordingly, the method includes:

[0089] In response to a user's payment operation on a target near-field device, obtaining transaction information matching the payment operation;

[0090] The device information of the target near-field device is obtained, and a deduction command is generated based on a preset rule according to the transaction information and the device information and sent to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command.

[0091] In some embodiments, a pocket money payment method based on near field communication can be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program can be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the pocket money payment method based on near field communication described above can be performed. Alternatively, in other embodiments, the processor 11 can be configured to execute a pocket money payment method based on near field communication by any other appropriate means (for example, by means of firmware).

[0092] Various embodiments of the systems and techniques described herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), system-on-chip systems (SOCs), programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include being implemented in one or more computer programs that are executable and / or interpreted on a programmable system that includes at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0093] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when the computer program is executed by the processor, the functions / operations specified in the flowcharts and / or block diagrams are implemented. The computer program may be executed entirely on the machine, partially on the machine, as a stand-alone software package, partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

[0094] In the context of the present invention, computer-readable storage media can be tangible media that can contain or store a computer program for use with an instruction execution system, device or equipment or used in combination with an instruction execution system, device or equipment. Computer-readable storage media can include but are not limited to electronic, magnetic, optical, electromagnetic, infrared or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, computer-readable storage media can be machine-readable signal media. More specific examples of machine-readable storage media can include electrical connections based on one or more lines, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

[0095] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0096] The systems and techniques described herein can be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0097] A computing system may include clients and servers. The clients and servers are typically remote from each other and typically interact via a communication network. This client-server relationship arises through computer programs running on the respective computers, creating a client-server relationship. The server may be a cloud server, also known as a cloud computing server or cloud host. This server is a hosting product within the cloud computing service ecosystem that addresses the management difficulties and limited scalability of traditional physical hosting and VPS services.

[0098] It should be understood that the various forms of the processes shown above can be used to reorder, add, or delete steps. For example, the steps described in the present invention can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of the present invention can be achieved. This is not limited herein.

Claims

1. A pocket money payment method based on near field communication, characterized in that: include: In response to a user's payment operation on a target near-field device, obtaining transaction information matching the payment operation; The device information of the target near-field device is obtained, and a deduction command is generated based on a preset rule according to the transaction information and the device information and sent to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command.

2. The method according to claim 1, characterized in that The transaction information includes: the amount to be paid, the merchant's administrative region code, and the transaction merchant information; Furthermore, the device information includes: device identification code, device balance, device limit, consumption history information within a preset period length, and a preset consumption whitelist.

3. The method according to claim 1, characterized in that Generating a deduction command based on the transaction information and the device information and preset rules, including: Determining the start / stop state of the target near-field device according to the device identification code in the device information, and after determining that the target near-field device is in the start state, obtaining the current time as the first time; Acquiring a device balance, preset transaction rules, and preset verification rules that match the target near-field device according to the device information; Determining whether the payment operation is legal based on the device balance, transaction information, transaction rules, and verification rules; If the payment operation is determined to be legal, the current time is obtained as the second time, and the difference between the first time and the second time is calculated as the payment verification time; Determine whether the payment verification time meets the preset time limit requirement, and generate a deduction command based on the judgment result.

4. The method according to claim 3, characterized in that Determining whether the payment operation is legal based on the device balance, transaction information, transaction rules, and verification rules includes: Determining whether the device balance is not less than the amount to be paid in the transaction information; If the device balance is not less than the amount to be paid in the transaction information, determining whether the payment operation complies with preset transaction rules based on the device information and the transaction information; If it is determined that the payment operation complies with the preset transaction rules, whether the payment operation is legal is determined based on the verification rules and the transaction information.

5. The method according to claim 4, characterized in that Determining whether the payment operation complies with preset transaction rules based on the device information and the transaction information includes: Determining whether the target near-field device meets the limit requirements based on the device limit in the device information, the consumption history information, and the amount to be paid in the transaction information; If it is determined that the target near-field device meets the limit requirement, then the payment operation is determined to comply with the preset transaction rules; If it is determined that the target near-field device does not meet the limit requirement, a payment rejection command is generated, so that the target near-field device ends the payment operation based on the payment rejection command.

6. The method according to claim 4, characterized in that Determining whether the payment operation is legal based on the verification rules and the transaction information includes: Determine whether the merchant information in the transaction information is in a preset consumer whitelist; If so, determining whether the merchant administrative region code in the transaction information is in a preset consumer whitelist, and after determining that the merchant administrative region code is in the preset consumer whitelist, determining that the payment operation is legal; If not, it is determined that the payment operation is illegal, and a payment rejection command is generated, so that the target near-field device ends the payment operation based on the payment rejection command.

7. The method according to claim 1, characterized in that In response to a payment operation of a user on a target near-field device, before obtaining transaction information matching the payment operation, the method further includes: In response to an activation operation by a user, obtaining a device identification code that matches the near-field device to be activated, and performing an activation operation on the near-field device to be activated based on the device identification code to obtain a target near-field device; In response to the user's account binding operation, obtaining the user's account verification information and sending it to the target near-field device, so that the target near-field device completes the payment operation based on the account verification information and the deduction command; In response to the user's setting operation, a device limit and a consumption whitelist are generated and sent to the target near-field device.

8. A pocket money payment device based on near field communication, characterized in that: include: An information acquisition module, configured to, in response to a user's payment operation on a target near-field device, acquire transaction information matching the payment operation; The payment module is used to obtain the device information of the target near-field device, generate a deduction command based on the transaction information and the device information based on preset rules, and send it to the target near-field device, so that the target near-field device completes the payment operation based on the deduction command.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so as to enable the at least one processor to execute a pocket money payment method based on near field communication according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement a pocket money payment method based on near field communication according to any one of claims 1 to 7 when executed.

11. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the computer program implements a pocket money payment method based on near field communication according to any one of claims 1 to 7.

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