Payment service processing method, device and equipment

Abstract

The invention discloses a payment service processing method, a payment service processing device and payment service processing equipment, which are applied to external payment equipment configured for a cashier POS (Point Of Sale) machine. The method comprises the following steps: detecting whether a cashier POS machine establishes a first connection with an external payment device through one universal communication protocol in a plurality of specified universal communication protocols; if yes, establishing a second connection with the cashier POS machine by adopting a private communication protocol provided by a service party of the external payment equipment based on the first connection, so that the cashier POS machine triggers the external payment equipment to use the extended payment capability through the second connection; when the external payment device uses the extended payment capability, corresponding service information is generated, and the mobile network state of the external payment device is detected; and if the state of the mobile network is abnormal, at least part of the service information is sent to the cashier POS machine through the second connection, so that the cashier POS machine forwards the at least part of the service information, and the service information is grounded to the far-end server.

Description

[0001] This application is a divisional application of the invention patent application submitted to the China Patent Office on February 19, 2025, with application number 202510185703.4 and invention name "A payment business processing method, device and equipment". The full text of the application is incorporated into this application by reference. Technical Field

[0002] This specification relates to the field of electronic payment technology, and in particular to a payment service processing method, device, and equipment. Background Art

[0003] In daily life, businesses typically collect payments from consumers through point-of-sale (POS) terminals deployed at checkout counters. POS terminals typically support traditional payment methods such as bank cards, credit cards, and cash. However, the emergence and even widespread adoption of new payment methods, such as QR code scanning, near-field communication (NFC), facial recognition, and palm-swipe payment, are posing challenges to the capabilities and convenience of POS terminals.

[0004] To fully leverage the vast number of existing POS terminals at merchants and promote new payment methods, payment service providers offering these new payment methods have launched various external payment devices to extend the payment capabilities of these POS terminals. This allows these POS terminals to indirectly utilize these extended payment capabilities through the external payment devices deployed for them, thereby enabling them to support these new payment methods. For example, one external payment device is a near-field communication (NFC) payment device, which, by connecting to a POS terminal, can extend its NFC payment capabilities.

[0005] Specifically, when a user wants to use NFC payment at the checkout counter, the cashier can operate the cash register POS machine and send a trigger signal to the NFC payment device through the cash register POS machine. The NFC payment device itself has a mobile communication module such as 4G or 5G. Then, under the trigger of the NFC payment signal, the NFC payment device uses the corresponding mobile network service based on its own mobile communication module to interact with the remote server of its own payment service provider, and deduct the user's payment account with the payment service provider accordingly, thereby completing the NFC payment for the user. The deducted amount will be settled to the merchant in a timely manner according to the predetermined strategy. Through this type of solution, even if the merchant continues to use the original cash register POS machine, it can still conveniently expand to support more new payment methods with low transformation costs.

[0006] However, in practice, this solution has also encountered some problems. Specifically, if the mobile network status at the merchant's cash register is abnormal, such as weak or even no network signal, the operation of the external payment device deployed at the cash register POS machine will be affected, and payment processing delays will increase or even fail directly, affecting the payment experience for both users and merchants.

[0007] Based on this, there is a need for a solution that helps to further improve the working reliability of external payment devices. Summary of the Invention

[0008] One or more embodiments of this specification provide a payment service processing method, apparatus, and device to solve the following technical problem: a solution is needed to help further improve the working reliability of external payment devices.

[0009] To solve the above technical problems, one or more embodiments of this specification are implemented as follows:

[0010] One or more embodiments of this specification provide a payment service processing method, which is applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively. The method includes:

[0011] Detecting whether the cash register POS machine has established a first connection with the external payment device through one of a plurality of specified universal communication protocols;

[0012] If so, then establishing a second connection with the cash register POS machine based on the first connection using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection;

[0013] When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device;

[0014] If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device via the mobile network;

[0015] If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0016] One or more embodiments of this specification provide a payment service processing apparatus, which is applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively. The apparatus includes:

[0017] A first connection detection module detects whether the cash register POS machine has established a first connection with the external payment device through one of a plurality of specified universal communication protocols;

[0018] A second connection establishing module, if yes, establishes a second connection with the cash register POS machine based on the first connection using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection;

[0019] a network status detection module, which generates corresponding service information and detects the mobile network status of the external payment device when the external payment device uses the extended payment capability;

[0020] A business information direct transmission module, which directly sends the business information to the remote server of the service provider of the external payment device via the mobile network if the mobile network status is normal;

[0021] The business information forwarding module sends at least part of the business information to the cash register POS machine through the second connection if the mobile network status is abnormal, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0022] One or more embodiments of this specification provide a payment service processing device, which is applied to an external payment device configured for a cash register POS machine. The cash register POS machine and the external payment device are provided by different service providers. The payment service processing device includes:

[0023] at least one processor; and,

[0024] a memory communicatively connected to the at least one processor; wherein,

[0025] 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:

[0026] Detecting whether the cash register POS machine has established a first connection with the external payment device through one of a plurality of specified universal communication protocols;

[0027] If so, then establishing a second connection with the cash register POS machine based on the first connection using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection;

[0028] When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device;

[0029] If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device via the mobile network;

[0030] If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0031] At least one of the above-mentioned technical solutions adopted in one or more embodiments of this specification can achieve the following beneficial effects: based on the proprietary communication protocol provided by the service provider of the external payment device, it is compatible with multiple general communication protocols at a lower level. Even if different cash registers and POS terminals use different general connection methods to connect to the external payment device (i.e., the first connection), the external payment device can automatically establish a higher-level connection (i.e., the second connection) with the cash register and POS terminal based on the proprietary communication protocol without any obstacles based on this connection. This higher-level connection, on the one hand, provides a trigger channel for the cash register and POS terminal to trigger the external payment device. On the other hand, it is also prepared to lend this channel to the external payment device for indirect remote interaction. Therefore, if the mobile network status of the external payment device is abnormal, it can automatically borrow the network capabilities of the cash register and POS terminal (especially reliable wired communication network capabilities) through this channel to exchange business information with the remote server, reliably completing payment-related services for the user, helping to improve the user and merchant experience and promote more payment methods based on external payment devices. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] 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.

[0033] Figure 1A flowchart of a payment service processing method provided in one or more embodiments of this specification;

[0034] Figure 2 One or more embodiments of this specification provide Figure 1 A schematic diagram of the implementation system framework of the method in a practical scenario;

[0035] Figure 3 A flowchart of a data processing solution using a small instruction channel provided in one or more embodiments of this specification;

[0036] Figure 4 A flowchart of a rerouting solution for information sent by a user's mobile terminal provided in one or more embodiments of this specification;

[0037] Figure 5 A schematic diagram of the structure of a payment service processing device provided in one or more embodiments of this specification;

[0038] Figure 6 A schematic diagram of the structure of a payment service processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0039] The embodiments of this specification provide a payment service processing method, apparatus, device, and storage medium.

[0040] 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.

[0041] In order to solve the problems in the background technology, the present application considers reusing the trigger channel between the cash register POS machine and the external payment device to provide indirect remote interaction capabilities for the external payment device, so that the remote interaction capability can be temporarily borrowed when the mobile network of the external payment device is abnormal; not only that, it should also be emphasized that, considering that the specifications of the existing cash register POS machines are varied and their processing capabilities are limited, a lightweight small instruction method is used to construct the trigger channel, which brings about the additional problem of insufficient capability of the trigger channel. A deeper supporting solution is also provided to solve this additional problem, thereby providing higher business capabilities for the external payment device and realizing some uses that have not yet been realized.

[0042] Based on this general idea, the solution of this application will be further described below.

[0043] Figure 1 The present invention provides a flowchart of a payment service processing method provided in one or more embodiments of this specification, which is applied to an external payment device configured for a cash register POS machine. The external payment device can provide one or more payment methods that the cash register POS machine itself does not have, thereby expanding the cash register POS machine's additional payment capabilities, such as near-field communication payment (based on touch sensing recognition), face payment (based on face recognition), palm payment (based on palmprint recognition), iris payment, etc. Accordingly, the external payment device, for example, is at least one of the following devices: near-field communication payment device, face payment device, palm payment device, iris payment device, etc.

[0044] The external payment device can be particularly portable and compact, making it easier to deploy with a cash register POS machine. Cash register POS machines are already available, and there are a wide variety of different cash register POS machines on the market. The solution of this application can be well compatible with a large number of different cash register POS machines (different brands, models, operating systems, operating logic, hardware interfaces, communication capabilities, security capabilities, permission management methods, etc.), with low modification costs. The cash register POS machine and the external payment device can be provided by different service providers (here mainly refers to them not being products of the same company). For example, the external payment device can be provided by a third-party payment service provider, while the cash register POS machine may be provided by some traditional financial equipment manufacturers.

[0045] Figure 1 The process in includes the following steps:

[0046] S102: Detect whether the cash register POS machine has established a first connection with the external payment device through a general communication protocol among a plurality of specified general communication protocols.

[0047] The term "universal" here primarily refers to currently common and standardized protocols (which may be internal standards of leading industry companies), which are relatively low-level in terms of protocol layer. POS terminals inherently support one or more universal communication protocols, such as serial ports, Bluetooth, USB (including TYPC-C), and WiFi, with corresponding hardware or wireless interfaces. Of course, support may vary across different POS terminals. Furthermore, these universal communication protocols may overlap and have support implementations. For example, serial port communication may be implemented over a USB interface, and so on.

[0048] For these universal communication protocols, a universal communication protocol also supported by the external payment device can be designated as the designated universal communication protocol. A first connection is established by connecting the cash register POS machine to the external payment device via a hardware interface or wirelessly, based on any of the designated universal communication protocols. For example, using a serial port (e.g., a standard serial port such as RS232 or RS485), the cash register POS machine and the external payment device can be connected via a serial port data cable. Alternatively, a wireless serial port can be used.

[0049] S104: If yes, then based on the first connection, a second connection is established with the cash register POS machine using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection.

[0050] The level of a private communication protocol is relatively higher than that of a general communication protocol. Specifically, from the perspective of a private communication protocol, data transmitted using a general communication protocol can be encapsulated using a private communication protocol to carry more specialized data. This allows the receiving end to decapsulate and identify the data using the private communication protocol, enabling more specialized business applications based on this specialized data.

[0051] In one or more embodiments of this specification, the private communication protocol may be a protocol that supports or is limited to lightweight small instruction communications, which is particularly suitable for the basic scenario of this application. The reason is that the applicant has noticed that in actual applications, the processing power of the cash register POS machine is relatively limited, and the immediacy requirements of its services are relatively high. Although some existing high-level communication protocols can also be used in some cash register POS machines to create a business interaction channel between the cash register POS machine and the external payment device, it will affect the working efficiency of the cash register POS machine and may even cause the cash register POS machine to respond slowly. Based on this, the applicant has adopted a customized private communication protocol, which can be called a small instruction protocol, which is used to establish a second connection of a higher protocol layer on the basis of the first connection to interact between the cash register POS machine and the external payment device through small instructions, simplifying the information format and amount of information, and effectively reducing the interaction burden.

[0052] Through the second connection, the cash register POS machine can send a small business trigger instruction to trigger the external payment device to use the extended payment capabilities, such as initiating near-field communication payment, etc. Of course, after the external cash register payment interacts with the remote server to complete the payment process, it can also send a small business result instruction to the cash register POS machine through the second connection, so that it can obtain the business results and display them to the cashier or user.

[0053] For external payment devices, since the private communication protocol can be provided by the same service provider, the device can be pre-configured at the factory to directly support the private communication protocol. For cash register POS terminals, additional small command software can be deployed on them to expand support for the private communication protocol. This allows the external payment device and the cash register POS terminal to perform two-way communication based on their respective small command software.

[0054] In one or more embodiments of the present specification, if it is detected that the above-mentioned first connection has been established, the small instruction software deployed on the cash register POS machine and based on the private communication protocol provided by the service provider of the external payment device can be determined; based on the first connection, communication is performed with the small instruction software on the cash register POS machine to establish a second connection based on the private communication protocol. After that, some specified business operations on the cash register POS machine can be converted into corresponding lightweight small instructions, which are sent to the external payment device through the second connection to trigger the external payment device to use the corresponding extended capabilities.

[0055] Specified business operations include, for example, requesting payment, requesting membership login, requesting biometric registration, and so on. It should be noted that these business operations can be based on or in addition to the existing business semantics of the cash register POS terminal, through intent recognition or other means, to define additional business operations corresponding to new business semantics. This first expands the cash register POS terminal's operational form with additional functionality, allowing the cashier to still primarily operate the cash register POS terminal, while the actual functions are implemented by the external payment device.

[0056] S106: When the external payment device uses the extended payment capability, corresponding service information is generated, and the mobile network status of the external payment device is detected.

[0057] In one or more embodiments of this specification, the business information may be in various forms, such as a business code value reflecting user account information, a corresponding deduction authorization certificate, a user's biometrics, an image related to the business, and so on.

[0058] At least part of the business information needs to be provided to the remote server corresponding to the external payment device for processing in order to complete the payment-related business, such as deductions, account login, member login, verification information changes, etc. First, check whether the mobile network status of the external payment device is normal, so as to decide whether it is currently suitable to communicate and interact with the remote server through the external payment device's own mobile network service. If the mobile network signal is not good enough, for example, the signal is too weak or even no signal, it can be considered that the mobile network status is abnormal. Conversely, it can be considered that the mobile network status is abnormal. Of course, the detection can also involve more aspects. For example, if the specific network transmission speed, stability or reliability is not good enough, the mobile network status can also be considered abnormal.

[0059] In addition, the external payment device itself may not support mobile networks. In this case, it can be directly considered that the mobile network status of the external payment device is abnormal.

[0060] S108: If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device via the mobile network.

[0061] The mobile network is a cellular network such as 4G or 5G. The remote server processes the received business information and returns the processing results to the external payment device through the mobile network. The external payment device can notify the cash register POS machine accordingly through the second connection.

[0062] S110: If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0063] In one or more embodiments of this specification, the second connection and the remote communication capabilities of the POS terminal (which are particularly reliable when the POS terminal has a wired connection to the network) are utilized to facilitate indirect communication between the external payment device and its remote server. At least part of the transaction information mentioned in step S110 may include key information required to execute the payment-related transaction, such as a payment code value or an account code value.

[0064] The cash register POS machine forwards at least part of the business information directly to the remote server, or forwards it to a designated service transfer station, which then routes and forwards it to the remote server. The response information processed by the remote server can be returned through the reverse path.

[0065] pass Figure 1The method is based on a private communication protocol provided by the service provider of the external payment device and is compatible with multiple general communication protocols at a lower level. Even if different cash register POS machines use different general connection methods to connect to the external payment device (i.e., a first connection), the external payment device can automatically establish a higher-level connection (i.e., a second connection) with the cash register POS machine based on the private communication protocol without any obstacles based on this connection. This higher-level connection, on the one hand, provides a trigger channel for the cash register POS machine to trigger the external payment device, and on the other hand, is also prepared to lend this channel to the external payment device for indirect remote interaction. Therefore, if the mobile network status of the external payment device is abnormal, it can automatically borrow the network capabilities of the cash register POS machine (especially reliable wired communication network capabilities) through this channel to exchange business information with the remote server, reliably completing payment-related services for the user, helping to improve the user and merchant experience and better promote more payment methods based on external payment devices.

[0066] It should be noted that this application mainly adopts the sharing method of the small instruction channel (i.e., the second connection) to realize the remote communication of the external payment device without the network. The advantages of this method also include simple deployment. It mainly requires installing the small instruction software on the cash register POS machine, without the merchant having to perform complex operations such as permission configuration for the cash register POS machine. It is also well applicable to different cash register POS machine operating systems and operating methods. As long as the first connection is established, the small instruction software will automatically establish a second connection at a higher protocol layer and be ready. Then, the external payment device can stably borrow the network capacity of the cash register POS machine based on the small instruction channel, without the merchant having to do any additional operations, and the operation is relatively smooth.

[0067] based on Figure 1 This specification also provides some specific implementation plans and extension plans of the method, which will be described below.

[0068] According to the above description, in order to facilitate implementation, more intuitively, one or more embodiments of this specification also provide Figure 1 The implementation system framework diagram of the method in a practical scenario is shown in Figure 2 .

[0069] In this actual scenario, the general communication protocol is, for example, a serial port, Bluetooth, or other relatively standardized protocols supported by a cash register POS machine. The above-mentioned business information at least includes a corresponding Remote Procedure Call (RPC) request, and the above-mentioned private communication protocol can be a small instruction protocol.

[0070] exist Figure 2In the figure, the system framework is mainly divided into three parts. The upper left side is the external payment device, and the upper right side is the cash register POS machine, which can be a variety of heterogeneous models currently available on the market. These two parts are located at the merchant's cash register. In addition, there is a user mobile terminal, which is omitted and not shown. It can interact with the external cash register device so that the external cash register device can obtain user-related information so as to perform deductions or other business operations on the user. The lower side is the remote device, including the remote server corresponding to the external payment device, which can be a payment server, and also includes a service transfer station.

[0071] Small instruction software can be pre-deployed on external payment devices and POS machines, respectively, to provide the corresponding drivers and software capabilities. These are referred to as external small instruction software and POS machine small instruction software, respectively. For example, the POS machine small instruction software includes a small instruction service module, a small instruction protocol management module, and an RPC management module. The small instruction protocol management module includes a small instruction SDK for implementing the small instruction protocol, and the small instruction service is used to manage two-way communication of small instructions. The external cash register device also has an additional cash register component for generating corresponding RRC requests in response to current payment-related transactions.

[0072] Figure 2 A typical operation process of the system framework in includes the following actions:

[0073] When the cash register POS machine is connected to the external payment device via Bluetooth, serial port or other specified low-level communication protocol interface, the small instruction connection state is automatically triggered, that is, the second connection is established;

[0074] The cashier triggers the external payment device through the POS terminal and / or the user triggers the external payment device through the mobile phone, so that it generates the corresponding RRC request and initiates the request to the remote server, such as requesting to query the payment code or payment result.

[0075] At this time, if the external payment device detects that its mobile network status is no network or weak network, it will communicate the RPC request through a small instruction to the small instruction software of the cash register POS machine, and proxy the request for the relevant RPC interface to the service transfer station;

[0076] After receiving the data, the service transfer station automatically routes and forwards it to the relevant system service of the remote server, and calls back the data returned by the system service to the cash register POS machine, and then sends it back to the external payment device through a small instruction, thus completing the process of borrowing the small instruction channel and the cash register POS machine network to proxy the ability to run the relevant interface.

[0077] By way of example, the small instruction protocol is further explained.

[0078] From a hierarchical perspective, the general communication protocols mentioned above reside at the lower physical media and transport layers, while the small instruction protocol resides above these layers and requires special encapsulation before being passed to the lower layers for processing and transmission. These special encapsulations can primarily include various small instructions, such as indicating the payment amount, near-field communication, or payment type such as facial or palm recognition.

[0079] A customized mini-command protocol data frame format, for example, includes a 3-byte frame header, a 1-byte version number, a 4-byte data length, several (small) bytes of data, a 1-byte checksum, and a 3-byte frame trailer. Key data fields include, for example, the following enumerated types: "Collect," "Face Scan," "Set," "Cancel," etc. By triggering a corresponding predefined button on a POS machine, a mini-command of the corresponding type is sent to an external payment device. For example, the "Collect" type corresponds to the POS machine's collect button. When the cashier enters the amount to be paid and presses the button, the POS machine's existing collection logic is triggered, entering the collection state. Furthermore, a corresponding mini-command for collection is generated and sent to the external payment device via the mini-command channel, triggering the external payment device to enter the collection state based on its provided extended payment method. In this case, the user can freely choose to use the external payment device for payment.

[0080] Furthermore, in the solution of the present application, the RPC request generated by the external payment device (which can be simplified according to the set rules and converted into lighter-weight small instruction content data) can be encapsulated in a small instruction protocol data frame and sent indirectly to the remote end through the small instruction channel and the cash register POS machine, thereby eliminating the need to rely on the mobile network of the external payment device itself, and also reducing the burden on the cash register POS machine, and making better use of the small instruction channel.

[0081] In one or more embodiments of this specification, considering that when an external payment device uses extended payment capabilities, the corresponding business information generated may have a relatively large amount of data, which may cause obstacles to the transmission of small instruction channels. Furthermore, since this application also considers using business information to carry more special information to achieve additional special purposes, this may aggravate the above-mentioned obstacles.

[0082] To address this obstacle, one or more embodiments of this specification provide a data processing solution that uses a small instruction channel as a solution. Figure 3 A flow chart of the scheme is shown in FIG.

[0083] Figure 3 The solution in this paper includes the following steps:

[0084] S302: When sending at least part of the business information to the cash register POS machine through the second connection, the corresponding business information is specifically split into a lightweight information part and other information parts.

[0085] Compared with the lightweight information part, the other information part has a larger data volume and / or a more complex structure. Using a small instruction channel to transmit it may cause problems in efficiency, reliability, etc.

[0086] In one or more embodiments of the present specification, the key information (especially the minimum key information) required to execute this payment-related business is included in at least part of the business information. Preferably, the key information can be included in the lightweight information part. Thus, only by successfully performing the corresponding lightweight interaction, the basic and high-priority business tasks can be completed, and the experience of users and merchants can be guaranteed. For example, assuming that this payment-related business is a deduction payment, the key information may be the payment code value or the user account, and other information may be verification information or behavior record information; of course, this payment-related business may also be a composite task including deduction payment and more other additional tasks, and the amount of other information or the type of information will also increase accordingly, for example, it may include additional screenshot images, biometric information, plug-in collection information, etc.

[0087] Furthermore, at least a portion of the business information is decomposed at the field granularity level to more accurately separate the lightweight information portion. Specifically, for multiple fields in the same structure, key fields are extracted. The key fields extracted from the multiple structures are restructured into a new structure as the lightweight information portion, and the remaining fields are used as the other information portion.

[0088] In one or more embodiments of the present specification, based on the external payment device and the above-mentioned information splitting scheme, a scheme is also provided for additionally registering and binding another type of biometric information during the payment process. In this way, the user does not need to perform the more cumbersome active registration operation on his or her mobile phone, and the efficiency of executing payment services on the external payment device is also less affected.

[0089] In this case, the above-mentioned other information part may include the first biometric information used by the current user for registration, and the above-mentioned extended payment capability is near-field communication payment capability, or payment capability based on the second biometric information, wherein the first biometric information and the second biometric information correspond to different types of biometrics respectively.

[0090] For example, assuming that the external payment device is a near-field payment device, before the current user touches the near-field payment device with a user mobile terminal (taking a mobile phone that supports near-field communication as an example), the near-field payment device can prompt the user to quickly and easily register the first biometric information (taking facial information as an example). If the user agrees, when the user touches the near-field payment device with the mobile phone, on the one hand, based on the near-field communication sensing, the user's account information or payment code value and other key information used for payment are read as information corresponding to the user. On the other hand, the user's facial information is also collected by the near-field payment device. The corresponding pair of information can be used as lightweight information and transmitted through the second connection. The facial information can be used as other information parts and transmitted through the first connection. The facial information can then be bound to the user reflected by the corresponding pair of information on the remote server (the binding operation can also be performed locally on the external payment device and then updated to the remote server). As a result, the user can then pay by face directly on the face-swiping payment device provided by the corresponding payment service provider.

[0091] Similarly, the external payment device can also be a face-scanning payment device. In this case, the second biometric feature can be a facial feature (if necessary, the facial feature can be lightweight processed to adapt to the capabilities of small commands), and the first biometric feature can be a palm print feature (palm print features can be collected more finely to ensure the adequacy and accuracy of registration information). In this case, the user can conveniently register the palm print feature when paying with face. Following the same idea, there can be more different implementation methods depending on the payment capabilities of the external payment device.

[0092] S304: Send the lightweight information part to the small instruction software through the second connection, and send the other information part to the cash register POS machine through the first connection.

[0093] In one or more embodiments of this specification, the lightweight information portion is transmitted via the small instruction channel, which is more efficient and effectively reduces adverse effects on the small instruction channel. Furthermore, the lightweight information portion can be encapsulated using the small instruction protocol, allowing for special security processing, resulting in enhanced security. Other information portions, on the other hand, can be encapsulated using the lower-level general communication protocol, rather than the small instruction protocol, and then directly sent via the first connection.

[0094] In order to improve the reliability of the first connection transmission and to enable smooth and accurate parsing in the future, the other information parts are further processed before being sent. Specifically, for example, the information type corresponding to the universal communication protocol corresponding to the first connection is determined, and the other information parts are converted or packaged, disguised as disguised information of the corresponding information type (disguised as information suitable for transmission based on the corresponding universal communication protocol, such as disguised as an image, audio, ordinary file or meaningless byte stream, etc.). After that, the disguised information is sent to the cash register POS machine through the first connection, so that the other information parts can be restored based on the disguised information. Among them, for determining the corresponding information type, if the information type of the historical information that the current cash register POS machine actually and directly transmits most frequently based on the universal communication protocol can be obtained, then the information type can be determined as the corresponding information type. In this case, the other information parts can be further disguised as the historical information, which is more secure and reliable. Otherwise, the information type corresponding to the universal communication protocol can be determined based on general experience.

[0095] In one or more embodiments of this specification, considering that in actual application, the solution can be implemented in different cash register POS machine environments, since the cash register POS machine is provided by other service providers, it may not be trustworthy enough. Therefore, a defensive attitude is maintained, and a decision is made based on the current actual situation whether to fully utilize the capabilities of the cash register POS machine.

[0096] For example, after splitting the corresponding business information into a lightweight information part and other information parts, the capability expansion security corresponding to the cash register POS machine is obtained. The capability expansion security is calculated based on the general communication protocol on which the first connection is based (for example, how secure the protocol itself is), and / or relevant information of the service provider of the cash register POS machine (for example, the popularity of the service provider, the model and capability of the cash register POS machine), etc., and can be used to demonstrate the reliability of the cash register POS machine relative to the external payment device; if the capability expansion security is high enough, a first indicator identifier (for example, an additional flag bit) is carried in the lightweight information part to indicate that the lightweight information part and the other information parts are reassembled on the cash register POS machine; and if the capability expansion security is not high enough, a second indicator identifier is carried in the lightweight information part to indicate that the lightweight information part and the other information parts are reassembled on the remote server; the POS machine small instruction software performs corresponding processing according to the indicator identifier.

[0097] To further ensure the transmission efficiency of the lightweight information portion and prevent congestion on the first connection, after obtaining the corresponding capability extension security level of the cash register POS terminal, the lightweight information portion can be transmitted first, and the transmission of other information portions can be asynchronously delayed relative to the lightweight information portion. It should be noted that the other information portions can also be transmitted asynchronously and delayed via the second connection instead of directly via the first connection. In this case, the other information portions also need to be encapsulated in the small instruction protocol.

[0098] In one or more embodiments of this specification, it is considered that if the mobile network status of the external payment device is abnormal, the mobile network status of the user's mobile terminal currently making the payment may also be abnormal. Therefore, this application also provides a rerouting solution for the information sent by the user's mobile terminal, so as to provide service reliability guarantee for the user's mobile terminal by using the external payment device and the cash register POS machine without any sense. Figure 4 The figure is a flowchart of the rerouting solution.

[0099] Figure 4 The process in includes the following steps:

[0100] S402: Receive a rerouting instruction and payment interaction information sent by the user mobile terminal through short-range communication when the mobile network status is abnormal.

[0101] Rerouting instructions are used to request network assistance from an external payment device. Payment interaction information (e.g., payment confirmation information) is originally sent directly by the user's mobile terminal to the corresponding payment server (e.g., the aforementioned remote server or another server provided by the payment service provider) via its own mobile network.

[0102] If the mobile network status of the user's mobile terminal is normal, only the payment interaction information may be sent.

[0103] S404: In response to the rerouting instruction, convert the payment interaction information into a user-side small instruction.

[0104] S406: Send the user's small instruction to the cash register POS machine through the second connection to help the user's mobile terminal perform remote interaction.

[0105] In one or more embodiments of this specification, the second connection can be divided into a first channel and a second channel with data isolation. The first channel is used to send the user's small instruction to the cash register POS terminal, while the second channel is used to send at least part of the business information. This can not only avoid data confusion, but also facilitate the control of the transmission order and the implementation of optional, targeted differentiated processing.

[0106] S408: Receive the remote response small instruction forwarded by the cash register POS machine, and return it to the user mobile terminal through short-range communication.

[0107] pass Figure 4 With this solution, even if the user's mobile terminal and external payment device are in abnormal mobile network status, remote interaction can still be completed seamlessly with better efficiency and security.

[0108] 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 5 、 Figure 6 The apparatus and device can accordingly execute the above method and related optional solutions.

[0109] Figure 5 A schematic diagram of the structure of a payment service processing device provided in one or more embodiments of this specification is applied to an external payment device configured for a cash register POS machine. The cash register POS machine and the external payment device are provided by different service providers. The device includes:

[0110] A first connection detection module 502 detects whether the cash register POS machine has established a first connection with the external payment device through one of the specified multiple universal communication protocols;

[0111] A second connection establishing module 504, if yes, establishes a second connection with the cash register POS terminal based on the first connection using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS terminal triggers the external payment device to use the extended payment capability through the second connection;

[0112] a network status detection module 506 for generating corresponding service information and detecting the mobile network status of the external payment device when the external payment device uses the extended payment capability;

[0113] The business information direct transmission module 508 directly transmits the business information to the remote server of the service provider of the external payment device via the mobile network if the mobile network status is normal;

[0114] The business information forwarding module 510 sends at least part of the business information to the cash register POS machine through the second connection if the mobile network status is abnormal, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0115] Optionally, the second connection establishing module 504 determines a small instruction software deployed on the cash register POS machine and based on a private communication protocol provided by the service provider of the external payment device;

[0116] Based on the first connection, communicate with the small instruction software on the cash register POS machine, and establish a second connection based on the private communication protocol, which is used to send the lightweight small instructions converted from the business operations on the cash register POS machine to the external payment device to trigger the external payment device to use extended payment capabilities.

[0117] Optionally, the private communication protocol is a protocol limited to lightweight, small instruction communications;

[0118] The universal communication protocol includes at least one of the following types: serial port, Bluetooth, USB, and WiFi.

[0119] Optionally, the business information forwarding module 510 splits the corresponding business information into a lightweight information part and other information parts;

[0120] The lightweight information portion is sent to the small instruction software via the second connection, and the other information portion is sent to the cash register POS machine via the first connection.

[0121] Optionally, the service information forwarding module 510 determines an information type corresponding to a universal communication protocol corresponding to the first connection;

[0122] Converting or packaging the other information portion to disguise it as disguised information of the corresponding information type;

[0123] The disguised information is sent to the cash register POS machine through the first connection, so that the other information parts are subsequently restored according to the disguised information.

[0124] Optionally, the business information forwarding module 510, after splitting the corresponding business information into the lightweight information portion and the other information portion, obtains a capability extension security level corresponding to the cash register POS terminal, where the capability extension security level is calculated based on a universal communication protocol based on which the first connection is established and relevant information of the service provider of the cash register POS terminal;

[0125] If the capability expansion security is sufficiently high, a first indication identifier is carried in the lightweight information portion to instruct the cash register POS machine to reassemble the lightweight information portion and the other information portions;

[0126] If the security level of the capability extension is not high enough, a second indication identifier is carried in the lightweight information part to instruct the remote server to reassemble the lightweight information part and the other information parts.

[0127] Optionally, key information required for executing the payment-related business is included in the lightweight information part;

[0128] The business information forwarding module 510, after obtaining the capability extension security corresponding to the cash register POS machine, asynchronously delays sending the other information parts relative to the lightweight information part.

[0129] Optionally, the other information portion includes the first biometric information of the current user used for registration;

[0130] The extended payment capability is a near field communication payment capability, or a payment capability based on a second biometric feature information;

[0131] The first biometric characteristic information and the second biometric characteristic information correspond to different types of biometric characteristics respectively.

[0132] Optionally, the extended payment capability is a near field communication payment capability;

[0133] The network status detection module 506 prompts the current user to register the first biometric information before the user's mobile terminal touches the external payment device;

[0134] If the user agrees, when the user's mobile terminal touches the external payment device, key information for payment is read based on near-field communication sensing as the lightweight information part;

[0135] Also, the first biometric information of the user is collected as part of the other information.

[0136] Optionally, the service information forwarding module 510 receives a rerouting instruction and payment interaction information sent by the user mobile terminal via near field communication when the mobile network status is abnormal;

[0137] In response to the rerouting instruction, convert the payment interaction information into a user-side small instruction;

[0138] Sending the user's small instruction to the cash register POS machine through the second connection to help the user's mobile terminal perform remote interaction;

[0139] Receive the remote response small instruction forwarded by the cash register POS machine, and return it to the user mobile terminal through short-range communication.

[0140] Optionally, the service information forwarding module 510 divides the second connection into a first channel and a second channel with data isolation;

[0141] Sending the user's small instruction to the cash register POS machine through the first channel;

[0142] The second channel is used to send at least part of the service information.

[0143] Optionally, the external payment device is at least one of the following devices:

[0144] Near-field communication payment devices, face-scanning payment devices, and palm-scanning payment devices.

[0145] Figure 6 A schematic diagram of the structure of a payment service processing device provided in one or more embodiments of this specification is applied to an external payment device configured for a cash register POS machine. The cash register POS machine and the external payment device are provided by different service providers. The payment service processing device includes:

[0146] at least one processor; and,

[0147] a memory communicatively connected to the at least one processor; wherein,

[0148] 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:

[0149] Detecting whether the cash register POS machine has established a first connection with the external payment device through one of a plurality of specified universal communication protocols;

[0150] If so, then establishing a second connection with the cash register POS machine based on the first connection using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection;

[0151] When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device;

[0152] If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device via the mobile network;

[0153] If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0154] Based on the same idea, one or more embodiments of this specification further provide a non-volatile computer storage medium, which is applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, respectively. The medium stores computer-executable instructions, and the computer-executable instructions are configured as follows:

[0155] Detecting whether the cash register POS machine has established a first connection with the external payment device through one of a plurality of specified universal communication protocols;

[0156] If so, then establishing a second connection with the cash register POS machine based on the first connection using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection;

[0157] When the external payment device uses the extended payment capability, generating corresponding service information and detecting the mobile network status of the external payment device;

[0158] If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device via the mobile network;

[0159] If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

[0160] 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 today 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 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 through their own programming, 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 done using "logic compiler" software. This is similar to the software compiler used when developing programs. Before compilation, the original code must also be written in a specific programming language, called a hardware description language (HDL). There is not just one HDL, but many, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that by simply programming the 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.

[0161] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also understand that in addition to implementing the controller in pure computer-readable program code, the controller can also be implemented in the form of logic gates, switches, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be considered as structures within the hardware component. Or even, the devices for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0162] 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.

[0163] 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.

[0164] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment 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.

[0165] 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 box in the flowchart and / or block diagram, as well as the combination of processes and / or boxes 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.

[0166] 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.

[0167] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating 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.

[0168] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0169] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0170] Computer-readable media includes permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media (transitory media), such as modulated data signals and carrier waves.

[0171] 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.

[0172] 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.

[0173] 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.

[0174] 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.

[0175] 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 an external payment device configured for a cash register (POS) machine, wherein the POS machine and the external payment device are provided by different service providers, the method comprising: Based on the first connection, communicate with the small instruction software on the cash register POS machine to establish a second connection based on a private communication protocol, wherein the first connection is established between the cash register POS machine and the external payment device through one of multiple specified universal communication protocols; When the external payment device uses the extended payment capability, corresponding business information is generated, and the corresponding business information is split into a lightweight information portion and other information portions, the other information portion having a larger data volume and / or a more complex structure than the lightweight information portion; The lightweight information portion is sent to the small instruction software via the second connection, and the other information portion is sent to the cash register POS machine via the first connection.

2. The method of claim 1, further comprising: Detecting whether the cash register POS machine has established a first connection with the external payment device through one of a plurality of specified universal communication protocols; If so, then establishing a second connection with the cash register POS machine based on the first connection using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; Detecting the mobile network status of the external payment device; If the mobile network status is normal, the service information is directly sent to the remote server of the service provider of the external payment device via the mobile network; If the mobile network status is abnormal, at least part of the business information is sent to the cash register POS machine through the second connection, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

3. The method of claim 2, wherein establishing a second connection with the POS terminal based on the first connection and using a proprietary communication protocol provided by the service provider of the external payment device specifically comprises: Determine the small instruction software deployed on the cash register POS machine based on the private communication protocol provided by the service provider of the external payment device; Based on the first connection, communicate with the small instruction software on the cash register POS machine, and establish a second connection based on the private communication protocol, which is used to send the lightweight small instructions converted from the business operations on the cash register POS machine to the external payment device to trigger the external payment device to use extended payment capabilities.

4. The method of claim 3, wherein the private communication protocol is a protocol limited to lightweight, small instruction communications; The universal communication protocol includes at least one of the following types: serial port, Bluetooth, USB, and WiFi.

5. The method according to claim 1, wherein the step of sending the other information to the POS terminal via the first connection comprises: Determining an information type corresponding to a universal communication protocol corresponding to the first connection; Converting or packaging the other information portion to disguise it as disguised information of the corresponding information type; The disguised information is sent to the cash register POS machine through the first connection, so that the other information parts are subsequently restored according to the disguised information.

6. The method according to claim 1, wherein after splitting the corresponding business information into a lightweight information portion and other information portions, the method further comprises: Obtaining a capability extension security level corresponding to the cash register POS terminal, where the capability extension security level is calculated based on a universal communication protocol based on which the first connection is established and relevant information of a service provider of the cash register POS terminal; If the capability expansion security is sufficiently high, a first indication identifier is carried in the lightweight information portion to instruct the cash register POS machine to reassemble the lightweight information portion and the other information portions; If the security level of the capability extension is not high enough, a second indication identifier is carried in the lightweight information part to instruct the remote server to reassemble the lightweight information part and the other information parts.

7. The method according to claim 6, wherein the key information required for executing the payment-related business is included in the lightweight information portion; After obtaining the capability expansion security level corresponding to the cash register POS terminal, the method further includes: The sending of the other information portion is asynchronously delayed relative to the lightweight information portion.

8. The method according to claim 1, wherein the other information portion includes the first biometric information of the current user used for registration; The extended payment capability is a near field communication payment capability, or a payment capability based on a second biometric feature information; in, The first biometric characteristic information and the second biometric characteristic information correspond to different types of biometric characteristics respectively.

9. The method according to claim 8, wherein the extended payment capability is a near field communication payment capability; The generating of corresponding business information specifically includes: Before the user's mobile terminal touches the external payment device, prompting the current user to register the first biometric information; If the user agrees, when the user's mobile terminal touches the external payment device, key information for payment is read based on near-field communication sensing as the lightweight information part; Also, the first biometric information of the user is collected as part of the other information.

10. The method of claim 2, further comprising: Receiving rerouting instructions and payment interaction information sent by a user's mobile terminal via near field communication when the user's mobile network status is abnormal; In response to the rerouting instruction, convert the payment interaction information into a user-side small instruction; Sending the user's small instruction to the cash register POS machine through the second connection to help the user's mobile terminal perform remote interaction; Receive the remote response small instruction forwarded by the cash register POS machine, and return it to the user mobile terminal through short-range communication.

11. The method according to claim 10, wherein the sending of the user's small instruction to the cash register POS machine through the second connection specifically comprises: dividing the second connection into a first channel and a second channel with data isolation; Sending the user's small instruction to the cash register POS machine through the first channel; The second channel is used to send at least part of the service information.

12. The method according to any one of claims 1 to 11, wherein the external payment device is at least one of the following: Near-field communication payment devices, face-scanning payment devices, and palm-scanning payment devices.

13. A payment service processing device, applied to an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, the device comprising: a second connection establishing module, communicating with the small instruction software on the cash register POS machine based on the first connection, to establish a second connection based on a private communication protocol, wherein the first connection is established between the cash register POS machine and the external payment device via one of a plurality of specified universal communication protocols; a network status detection module, which generates corresponding service information when the external payment device uses the extended payment capability; A business information forwarding module, which splits the corresponding business information into a lightweight information part and other information parts; The lightweight information portion is sent to the small instruction software via the second connection, and the other information portion is sent to the cash register POS machine via the first connection.

14. The apparatus of claim 13, further comprising: A first connection detection module detects whether the cash register POS machine has established a first connection with the external payment device through one of a plurality of specified universal communication protocols; A second connection establishing module, if yes, establishes a second connection with the cash register POS machine based on the first connection using a private communication protocol provided by the service provider of the external payment device, so that the cash register POS machine triggers the external payment device to use the extended payment capability through the second connection; The network status detection module detects the mobile network status of the external payment device; A business information direct transmission module, which directly sends the business information to the remote server of the service provider of the external payment device via the mobile network if the mobile network status is normal; The business information forwarding module sends at least part of the business information to the cash register POS machine through the second connection if the mobile network status is abnormal, so that the cash register POS machine forwards at least part of the business information to indirectly reach the remote server.

15. The apparatus according to claim 14, wherein the second connection establishing module determines a small instruction software deployed on the cash register POS machine and based on a private communication protocol provided by a service provider of the external payment device; Based on the first connection, communicate with the small instruction software on the cash register POS machine, and establish a second connection based on the private communication protocol, which is used to send the lightweight small instructions converted from the business operations on the cash register POS machine to the external payment device to trigger the external payment device to use extended payment capabilities.

16. The apparatus of claim 15, wherein the private communication protocol is a protocol limited to lightweight, small instruction communications; The universal communication protocol includes at least one of the following types: serial port, Bluetooth, USB, and WiFi.

17. The apparatus according to claim 13, wherein the service information forwarding module determines an information type corresponding to a universal communication protocol corresponding to the first connection; Converting or packaging the other information portion to disguise it as disguised information of the corresponding information type; The disguised information is sent to the cash register POS machine through the first connection, so that the other information parts are subsequently restored according to the disguised information.

18. The apparatus of claim 13, wherein the business information forwarding module, after splitting the corresponding business information into a lightweight information portion and other information portions, obtains a capability expansion security level corresponding to the POS terminal, the capability expansion security level being calculated based on a universal communication protocol based on which the first connection is established and relevant information about a service provider of the POS terminal; If the capability expansion security is sufficiently high, a first indication identifier is carried in the lightweight information portion to instruct the cash register POS machine to reassemble the lightweight information portion and the other information portions; If the security level of the capability extension is not high enough, a second indication identifier is carried in the lightweight information part to instruct the remote server to reassemble the lightweight information part and the other information parts.

19. The apparatus according to claim 18, wherein the key information required for executing the current payment-related business is included in the lightweight information portion; The business information forwarding module, after obtaining the capability extension security corresponding to the cash register POS machine, asynchronously delays sending the other information parts relative to the lightweight information part.

20. The apparatus according to claim 13, wherein the other information portion comprises first biometric information of the current user used for registration; The extended payment capability is a near field communication payment capability, or a payment capability based on a second biometric feature information; in, The first biometric characteristic information and the second biometric characteristic information correspond to different types of biometric characteristics respectively.

21. The device of claim 20, wherein the extended payment capability is a near field communication payment capability; The network status detection module prompts the current user to register the first biometric information before the user's mobile terminal touches the external payment device; If the user agrees, when the user's mobile terminal touches the external payment device, key information for payment is read based on near-field communication sensing as the lightweight information part; Also, the first biometric information of the user is collected as part of the other information.

22. The device of claim 14, wherein the service information forwarding module receives a rerouting instruction and payment interaction information sent by a user mobile terminal via near field communication when the user's mobile network status is abnormal; In response to the rerouting instruction, convert the payment interaction information into a user-side small instruction; Sending the user's small instruction to the cash register POS machine through the second connection to help the user's mobile terminal perform remote interaction; Receive the remote response small instruction forwarded by the cash register POS machine, and return it to the user mobile terminal through short-range communication.

23. The device according to claim 22, wherein the service information forwarding module divides the second connection into a first channel and a second channel with data isolation; Sending the user's small instruction to the cash register POS machine through the first channel; in, The second channel is used to send at least part of the service information.

24. The apparatus according to any one of claims 13 to 23, wherein the external payment device is at least one of the following: Near-field communication payment devices, face-scanning payment devices, and palm-scanning payment devices.

25. A payment service processing device, used as an external payment device configured for a cash register POS machine, wherein the cash register POS machine and the external payment device are provided by different service providers, and the payment service processing device comprises: 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: Based on the first connection, communicate with the small instruction software on the cash register POS machine to establish a second connection based on a private communication protocol, wherein the first connection is established between the cash register POS machine and the external payment device through one of multiple specified universal communication protocols; When the external payment device uses the extended payment capability, corresponding business information is generated, and the corresponding business information is split into a lightweight information portion and other information portions; The lightweight information portion is sent to the small instruction software via the second connection, and the other information portion is sent to the cash register POS machine via the first connection.

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