Payment service processing method, apparatus and device for wearable device

Abstract

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

Description

[0001] This application is a divisional application of the invention patent application filed on May 15, 2025, with application number 202510624989.1 and entitled "Method, Apparatus and Device for Payment Transaction Processing of Wearable Devices", the entire contents of which are incorporated herein by reference. Technical Field

[0002] This specification relates to the field of near-field communication technology, and in particular to payment processing methods, apparatus and devices for wearable devices. Background Technology

[0003] With the development of internet technology and the widespread use of smartphones, more and more businesses can be conducted through corresponding applications on smartphones, bringing great convenience to people's lives.

[0004] In the payment and other business sectors, QR codes have become widely used. However, in practice, for some users or in certain scenarios, QR code payments still require relatively cumbersome operations. With the increasing number of mobile terminals with near-field communication (NFC) capabilities, especially smartphones, many smartphones now support NFC payment methods. Beyond smartphones, wearable devices, primarily smartwatches, are also becoming more prevalent.

[0005] Currently, on smartwatches that support near-field communication (NFC), the NFC card reader is disabled by default due to power consumption. Users need to manually turn on the smartwatch screen, open the payment app, and then access the NFC payment page within the app. Only then will the payment app call the corresponding system interface to open the NFC card reader. Finally, the user can touch the NFC payment device with the smartwatch to complete the NFC payment. As you can see, this solution has a relatively long overall process, requiring the user to first access the payment app and open the NFC payment page before making a payment.

[0006] Therefore, there is a need for more convenient near-field communication payment solutions for wearable devices such as smartwatches. Summary of the Invention

[0007] This specification provides one or more embodiments of payment processing methods, apparatus, and devices for wearable devices to solve the following technical problem: the need for a more convenient near-field communication payment solution for wearable devices such as smartwatches.

[0008] To solve the above-mentioned technical problems, one or more embodiments of this specification are implemented as follows: This specification provides one or more embodiments of a payment processing method for wearable devices, applied to near-field communication payment devices, the method comprising: Detect whether a wearable device is near the near-field communication payment device; If so, a characteristic wave of the set pattern is generated and sent so that the wearable device can recognize the characteristic wave. If the characteristic wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, the device reads payment information from the near-field communication payment device to trigger the opening of the payment application. A Bluetooth connection is established with the wearable device through the payment application on the wearable device; The system receives user information returned by the payment application via the Bluetooth connection and proceeds with the payment process based on the user information.

[0009] This specification provides one or more embodiments of another payment processing method for wearable devices, applied to wearable devices, the method comprising: When a user approaches the near-field communication payment device in response to a user's operation, the system receives and identifies the characteristic wave of the set pattern sent by the near-field communication payment device. If the characteristic wave is correctly identified, the near-field communication card reader that has been turned off will be turned on automatically. After the near-field communication card reader is opened, it reads payment information from the near-field communication payment device to trigger the opening of the payment application after entering the near-field communication range of the near-field communication payment device; The payment application establishes a Bluetooth connection with the near-field communication payment device and returns user information to the near-field communication payment device via the Bluetooth connection, so that the near-field communication payment device can proceed with the payment process based on the user information.

[0010] This specification provides one or more embodiments of a payment processing device for wearable devices, applied to near-field communication payment terminals, the device comprising: The proximity detection module detects whether a wearable device is near the near-field communication payment device; If so, the feature wave transmitting module generates and transmits a feature wave of a set pattern so that the wearable device can recognize the feature wave. If the feature wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, the device reads payment information from the near-field communication payment device to trigger the opening of the payment application. The Bluetooth connection module establishes a Bluetooth connection with the wearable device through the payment application on the wearable device; The payment advancement module receives user information returned by the payment application via the Bluetooth connection and advances the payment process based on the user information.

[0011] This specification provides one or more embodiments of a payment processing apparatus for wearable devices, applied to wearable devices, the apparatus comprising: The feature wave recognition module receives and recognizes the feature waves of a set pattern sent by the near-field communication payment device when it approaches the near-field communication payment device in response to user operation. If the card reader opens the module and correctly identifies the characteristic wave, it will automatically open the near-field communication card reader that has been turned off. The reading trigger module reads payment information from the near-field communication payment device after the near-field communication card reader is opened and enters the near-field communication range of the near-field communication payment device to trigger the opening of the payment application; The Bluetooth connection module establishes a Bluetooth connection with the near-field communication payment device through the payment application, and returns user information to the near-field communication payment device through the Bluetooth connection, so that the near-field communication payment device can proceed with the payment process based on the user information.

[0012] This specification provides one or more embodiments of a payment processing device for wearable devices, applied to near-field communication payment terminals, the payment processing device comprising: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform: Detect whether a wearable device is near the near-field communication payment device; If so, a characteristic wave of the set pattern is generated and sent so that the wearable device can recognize the characteristic wave. If the characteristic wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, the device reads payment information from the near-field communication payment device to trigger the opening of the payment application. A Bluetooth connection is established with the wearable device through the payment application on the wearable device; The system receives user information returned by the payment application via the Bluetooth connection and proceeds with the payment process based on the user information.

[0013] This specification provides one or more embodiments of a payment processing device for wearable devices, which is applied to wearable devices. The payment processing device includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform: When a user approaches the near-field communication payment device in response to a user's operation, the system receives and identifies the characteristic wave of the set pattern sent by the near-field communication payment device. If the characteristic wave is correctly identified, the near-field communication card reader that has been turned off will be turned on automatically. After the near-field communication card reader is opened, it reads payment information from the near-field communication payment device to trigger the opening of the payment application after entering the near-field communication range of the near-field communication payment device; The payment application establishes a Bluetooth connection with the near-field communication payment device and returns user information to the near-field communication payment device via the Bluetooth connection, so that the near-field communication payment device can proceed with the payment process based on the user information.

[0014] The above-mentioned at least one technical solution adopted in one or more embodiments of this specification can achieve the following beneficial effects: the near-field communication payment device can actively detect the proximity behavior of the wearable device and send a special signal, namely the characteristic wave of the set mode, to trigger the wearable device to automatically turn on the near-field communication card reader that is turned off by default in response to the characteristic wave. Thus, the user does not need to manually perform a series of cumbersome operations such as turning on the screen, opening the payment application, and entering the near-field communication page. Even if the wearable device is currently in a screen-off state, the user can directly touch the near-field communication payment device with the wearable device to make a payment. Therefore, it is more convenient and will not increase the energy consumption burden on the wearable device. Attached Figure Description

[0015] To more clearly illustrate the technical solutions in the embodiments or prior art of this specification, the drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0016] Figure 1 A flowchart illustrating a payment processing method for wearable devices provided for one or more embodiments of this specification; Figure 2A schematic diagram of a characteristic wave of a setting mode provided for one or more embodiments of this specification; Figure 3 In one application scenario provided by one or more embodiments of this specification, Figure 1 A flowchart illustrating one implementation scheme of the method; Figure 4 A flowchart illustrating a matching scheme for characteristic waves provided for one or more embodiments of this specification; Figure 5 A schematic flowchart illustrating a characteristic wave processing scheme for the coexistence of wearable devices and smartwatches, provided for one or more embodiments of this specification; Figure 6 A flowchart illustrating another payment processing method for wearable devices provided in one or more embodiments of this specification; Figure 7 A schematic diagram of the structure of a payment processing device for wearable devices provided for one or more embodiments of this specification; Figure 8 A schematic diagram of another payment processing device for wearable devices provided in one or more embodiments of this specification; Figure 9 A schematic diagram of the structure of a payment processing device for wearable devices provided for one or more embodiments of this specification; Figure 10 This is a schematic diagram of another payment processing device for wearable devices provided in one or more embodiments of this specification. Detailed Implementation

[0017] This specification provides embodiments of payment processing methods, apparatus, devices, and storage media for wearable devices.

[0018] 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 with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of this application.

[0019] The wearable device (or wearable device) described in this application is a smart electronic device with near-field communication (NFC) and Bluetooth functionality (Bluetooth can also be replaced by other short-range communication functions). It is primarily exemplified by smartwatches, but can also include devices such as smart bracelets and smart rings. Furthermore, it is preferably a device with a screen, which better highlights the ease of operation when the screen is off.

[0020] Wearable devices, compared to smartphones, typically have significantly smaller screens or no screen at all, and often have lower power consumption and processing power. Therefore, they are more sensitive to energy consumption and computational burden. Consequently, some manufacturers disable the near-field communication (NFC) reader on wearable devices by default. Taking smartwatches as an example, to use NFC payments, users need to install a corresponding payment app on their smartwatch beforehand. When they want to pay at a merchant, they need to manually open the payment app, then navigate to the NFC payment page within the app. Only then will the payment app call the corresponding system interface to open the NFC reader, and finally, the user can touch the NFC payment device with the smartwatch to complete the payment. This process is quite cumbersome, especially when the smartwatch is in a screen-off state, requiring the screen to be turned on first, making the process even more inconvenient.

[0021] Against this backdrop, this application develops a payment processing solution more suitable for wearable devices (with smartwatches as a typical example), mainly involving wearable devices (users' devices) and near-field communication payment devices (usually merchants' cash registers or their extended devices).

[0022] Figure 1 This specification provides a flowchart illustrating a payment processing method for wearable devices, based on one or more embodiments, and is described from the perspective of a near-field communication (NFC) payment device. Accordingly, the entity executing this process may include the NFC payment device, and at the software level, it may include device-side programs provided by payment application providers.

[0023] Figure 1 The process includes the following steps: S102: Detect whether a wearable device is near the near-field communication payment device.

[0024] In one or more embodiments of this specification, the NFC card reader on the wearable device is turned off by default. In the off state, the wearable device will not actively attempt to perform NFC card reading operations, nor will it actively monitor whether there are near-field communication sensing objects approaching, which can effectively reduce the power consumption of the wearable device.

[0025] Near-field communication (NFC) payment devices use methods such as Time-of-Flight (ToF) sensors or motion detection cameras to detect if a user device suspected of intending to make a payment is approaching the NFC payment device. Since the solution in this application can also be used with smartphones, the detection process can be pre-determined based on actual needs to determine whether to specifically identify and distinguish between a wearable device, a smartphone, or some other suspected device approaching. If no distinction is made (for example, assuming the approaching device is a wearable device by default), this step is simpler and more efficient. However, if distinction is made, it helps ensure more reliable execution of subsequent steps.

[0026] It should be noted that this application provides more in-depth modification solutions for the specific situations that need to be differentiated, which will be explained later.

[0027] In one or more embodiments of this specification, the aforementioned detection action can be performed before the wearable device enters the near-field communication range of the near-field communication payment device, in order to prepare in advance for possible near-field communication interactions. In this case, the detection action can be made independent of the near-field communication capability of the near-field communication payment device.

[0028] S104: If so, generate and send a feature wave of the set mode so that the wearable device can recognize the feature wave. If the feature wave is correctly recognized, the wearable device will automatically turn on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the opened near-field communication card reader, the device will read payment information from the near-field communication payment device to trigger the opening of the payment application.

[0029] In one or more embodiments of this specification, a novel electromagnetic wave, referred to as a characteristic wave, is proposed, which can be mode-set according to actual needs. This characteristic wave is used to trigger a nearby wearable device to automatically open the near-field communication (NFC) reader. It should be noted that NFC devices also emit corresponding sensing signals for NFC sensing; however, the characteristic wave proposed in this application is different from these sensing signals. The characteristic wave is an additional signal emitted by the NFC payment device in response to the aforementioned detection results. Therefore, their uses are different. Furthermore, the effective range of the characteristic wave is preferably larger than that of the sensing signal, which helps to prepare in advance.

[0030] Furthermore, to improve reliability and transmission efficiency, the characteristic wave may not be generated by the near-field communication module of the near-field communication payment device (conversely, if it is generated by the near-field communication module, it needs to be more clearly distinguished from the sensed signal to avoid signal confusion and affecting identification). In this case, it can be generated by other modules on the near-field communication payment device. Similarly, the transmitting antennas can also be different.

[0031] A characteristic wave is characterized by its appearance or by information encoded within the waveform according to predefined coding rules, enabling wearable devices to recognize it. The pattern of the characteristic wave can be preset or set in real-time based on the current situation (e.g., the proximity of the wearable device).

[0032] Of course, in order to support the generation, transmission, and identification of characteristic waves and the corresponding responses, the software on the near-field communication payment device and / or wearable device needs to be updated and upgraded in advance. For wearable devices, the update and upgrade can be at the operating system level or at the payment application level. In the latter case, after the update and upgrade, it is preferable that the payment application can still process the characteristic waves through a specific process (which can be a background process) when the wearable device is in a screen-off state, without the user having to manually turn on the wearable device and manually open the payment application.

[0033] To facilitate the generation and identification of characteristic waves, specific pulses can be included within them, primarily representing the characteristics of the pulses. For example, the moment a wearable device is detected near a near-field communication payment device can be defined as the sensing moment; a setting pattern indicating the delay duration, pulse width, pulse interval, and number of pulses can be determined; starting from the sensing moment, after a delay of the specified duration, the specified number of pulses with the specified pulse width and pulse interval are transmitted, serving as the characteristic wave of the setting pattern. Similarly, such characteristic waves can be repeatedly transmitted multiple times. The delay duration helps ensure that the wearable device receives the characteristic wave more reliably and can be set as needed; alternatively, the corresponding pulses can be transmitted immediately without a delay, serving as the characteristic wave.

[0034] Intuitively, one or more embodiments of this specification provide a schematic diagram of a characteristic wave of a set pattern, see [link to relevant documentation]. Figure 2 . Figure 2 The example above assigns values ​​to several parameters. In practical applications, parameters are selected and assigned values ​​as needed.

[0035] exist Figure 2In the diagram, the longest horizontal line represents the time axis; the leftmost vertical line represents the moment when the near-field communication payment device detects a wearable device approaching. T1 represents the pulse width, which is 25 microseconds; T2 represents the pulse interval, which is 10 milliseconds; T3 represents the delay duration, which is 350 milliseconds; and the number of pulses is 3.

[0036] Under such exemplary parameters, that is, the near-field communication payment device, starting from the moment it detects that a wearable device is close to the device, delays for 350 milliseconds, and then starts to send three pulses with a width of 25 microseconds in sequence at 10 millisecond intervals. These pulses can be sent once or multiple times as characteristic waves of a set pattern, and the device enters a state of waiting to be read, such as entering a dynamic tag state.

[0037] When a wearable device receives this characteristic wave, identifies the three pulses, and determines that they conform to the set mode, it can be considered to have correctly identified the characteristic wave. In response to the characteristic wave, it can turn on its default-off near-field communication card reader and prepare to read the dynamic tag information provided by the near-field communication payment device.

[0038] In one or more embodiments of this specification, the near-field communication payment device also supports a card reader mode, thereby enabling it to read a user's IC card or a smartphone device operating in analog card mode. Given this, more reliably, after sending the characteristic wave of the set mode, it is necessary to determine whether the near-field communication payment device is operating in the correct mode. For example, it can be determined whether the near-field communication payment device is currently operating in card reader mode; if so, it automatically switches to dynamic tag mode to await reading by the wearable device.

[0039] In one or more embodiments of this specification, when the detection result is determined, and when the wearable device automatically turns on the closed near-field communication (NFC) reader via a characteristic wave, the wearable device may have already entered the NFC range of the NFC payment device (this may be the case if the proximity standard is strict during detection), or it may not have entered the NFC payment device's NFC range. In the latter case, the user needs to further bring the wearable device closer to the NFC reader until it enters the NFC payment device's NFC range. Once inside, based on the already turned-on NFC reader, the NFC payment device is treated as a readable tag. The payment information is read from this tag, and the corresponding payment application is opened and processed by the payment application. The payment information may be dynamically written to the tag, for example, by the cashier or through self-checkout input.

[0040] The payment application prompts the user based on the payment information to prevent accidental payment, and continues to process the payment after the user confirms.

[0041] S106: Establish a Bluetooth connection with the wearable device through the payment application on the wearable device.

[0042] Generally, after a user touches a wearable device to a near-field communication payment device, they will quickly remove it. Therefore, the time window for near-field communication interaction between the two devices is short. In order to continue the interaction more reliably, the interaction within this time window (such as obtaining the corresponding Bluetooth identifier) ​​is used to establish a Bluetooth connection between the two devices. Thus, if subsequent interactions can be carried out through the Bluetooth connection, even if the user removes the wearable device, as long as they are still near the near-field communication payment device, they can still interact reliably.

[0043] Specifically, for example, the system receives a connection request from a payment application on the wearable device after the user confirms payment, where the payment confirmation occurs on the payment confirmation page displayed after the payment application is opened; in response to the connection request, it establishes a Bluetooth connection with the wearable device. This prevents both accidental payments and accidental connections; the Bluetooth connection can be automatically disconnected after payment is complete.

[0044] S108: Receive user information returned by the payment application through the Bluetooth connection, and proceed with the payment process based on the user information.

[0045] Based on user information, near-field communication (NFC) payment devices can interact with the payment application's server to request deductions from the corresponding user's account, thus completing the payment. Of course, in situations with poor network connectivity, NFC payment devices can also employ offline payment methods (e.g., delayed deduction; or triggering the wearable device to proactively transfer funds to the corresponding merchant, in which case the wearable device can continue the payment process).

[0046] pass Figure 1 The method involves a near-field communication (NFC) payment device that can actively detect the proximity of a wearable device and send a special signal, namely a characteristic wave of a set mode, to trigger the wearable device to automatically turn on the NFC reader, which is normally off. This eliminates the need for users to manually perform a series of cumbersome operations such as turning on the screen, opening the payment application, and entering the NFC page. Even if the wearable device is currently in a screen-off state, users can directly touch the NFC payment device to make a payment. Therefore, it is convenient and does not increase the energy consumption burden on the wearable device.

[0047] based on Figure 1 In addition to the method described herein, this specification also provides some specific implementation schemes and extension schemes of this method, which will be further explained below.

[0048] In one or more embodiments of this specification, for a more intuitive understanding, an application scenario is provided. Figure 1 A flowchart illustrating one implementation of the method is shown below. Figure 3 In this application scenario, the following are involved: users, wearable devices (such as smartwatches, referred to as wearable devices), NFC devices (such as near-field communication payment devices), wearable device payment (such as payment applications), and payment servers (such as servers for payment applications).

[0049] Figure 3 The proposed solution includes the following steps: The NFC device sends an NFC signature wave (this can be done after a proximity event is detected, which improves effectiveness and reduces resource consumption). The smartwatch, with its NFC reader off by default, receives the signature wave when near the NFC device and actively activates its NFC reader. The smartwatch's system then reads the payment information from the NFC device. After reading, the system opens the payment application on the smartwatch and synchronizes the payment information with it. The payment application, upon receiving the payment information, displays a payment confirmation page. After the user confirms payment on the confirmation page, the payment application establishes a Bluetooth connection between the smartwatch and the NFC device and synchronizes the smartwatch's user information (such as payment account or payment code) with the NFC device. Upon receiving the user information from the smartwatch, the NFC device initiates the payment process with the payment server.

[0050] In one or more embodiments of this specification, when detecting whether a wearable device is near a near-field communication payment device, the reliability of the detection result needs to be considered. In order to prevent inaccurate detection from falsely triggering the approaching mobile device, additional information can be carried in the characteristic wave to provide to the mobile device.

[0051] Based on this approach, after detection, descriptive information about the other party's device (such as device type, device status, and business intent) can be generated according to the specific detection conditions. This descriptive information is then carried in a characteristic waveform (e.g., encoded in the waveform) and sent out. The mobile device receiving the characteristic waveform identifies the descriptive information and matches it with its own characteristics (referring to the other party's own situation). If a match is found, the previously closed near-field communication (NFC) reader is automatically turned on; otherwise, it may consider not responding to the characteristic waveform. Of course, if the mobile device cannot correctly identify the characteristic waveform at all, it will not continue to respond, indicating that the mobile device is not the correct target of the NFC payment device.

[0052] Furthermore, to better adapt to more diverse situations, the descriptive information can be further refined. Based on this idea, one or more embodiments of this specification also provide a flowchart illustrating a matching scheme for characteristic waves. See [link to relevant documentation]. Figure 4 The process is executed on the other device (e.g., a wearable device).

[0053] Figure 4 The process includes the following steps: S402: Receive the characteristic wave sent by the near-field communication payment device.

[0054] S404: Identify the feature wave and identify the specified key information and non-key information carried by the feature wave. The key information includes the device type, and the non-key information includes the default payment method.

[0055] Device types can include smartphones and wearable devices. Of course, more dimensions and finer distinctions can be added, such as further differentiating wearable devices into adult smartwatches and children's smartwatches, or differentiating between different device manufacturers and brands, and so on. Default payment methods can include near-field communication (NFC) based payment methods, and other payment methods can also be further subdivided.

[0056] S406: Match the key information and the non-key information with itself respectively.

[0057] If a match is found, it means that the information inferred by the near-field communication payment device from the other party's device is correct.

[0058] S408: If both the critical information and the non-critical information match itself, the closed near-field communication card reader will be automatically turned on.

[0059] S410: If the key information matches itself, but the non-key information does not match itself, the near-field communication card reader will not be turned on first. Instead, the screen will be turned on to prompt the user, and the system will respond according to the user's operation.

[0060] The reason for distinguishing between critical and non-critical information here is to improve fault tolerance and to ensure that even if the non-critical information inferred by the near-field communication payment device does not match, it is still possible to continue to be compatible with and encourage the use of the other party's device for near-field communication payment.

[0061] For example, suppose the near-field communication payment device assumes that the other party's device defaults to near-field communication payment, but this is not actually the case. In this case, the corresponding non-critical information will not match. However, by displaying a prompt on the screen and obtaining the user's consent, the device can switch to near-field communication payment, and the payment process can continue.

[0062] In one or more embodiments of this specification, wearable devices such as smartwatches are primarily considered. However, in practical applications, due to the widespread use of smartphones, many users wear a smartwatch while simultaneously holding a smartphone in their hand, and smartphones often also support near-field communication (NFC) payments. In this situation, because the smartphone is in the palm of the hand, it is positioned further forward than the smartwatch worn on the wrist. Therefore, when a user intends to use the smartwatch via NFC, the smartphone may be accidentally triggered, or vice versa. Therefore, based on the characteristic wave scheme of this application, this problem is addressed, and a solution is provided to enable NFC payment devices to trigger smartwatches or smartphones more reliably, reasonably, and intelligently, avoiding any conflict with the user's true intentions.

[0063] Figure 5 This is a flowchart illustrating a characteristic wave processing scheme for the coexistence of wearable devices and smartwatches, provided for one or more embodiments of this specification.

[0064] Figure 5 The process includes the following steps: S502: When a wearable device is detected to be near the near-field communication payment device, it is also detected whether the user of the wearable device is simultaneously holding a smartphone.

[0065] The term "on the hand" here preferably refers to the same hand. If the wearable device or smartphone is on a different hand, it is less likely to be accidentally triggered.

[0066] S504: After generating and sending a feature wave of a set pattern so that the wearable device can recognize the feature wave, if the user holding the wearable device is also holding a smartphone, it is determined whether the smartphone can be sensed via near-field communication.

[0067] If a smartphone can be detected in the near field, the smartphone may not yet be exchanging information with the near field communication payment device, or it may be exchanging information. This judgment is primarily to infer whether the user might intend to use their smartphone for payment. If it can be detected, this possibility increases, requiring further analysis. If it cannot be detected yet, it can be assumed that the user intends to use a wearable device for payment.

[0068] S506: If (i.e., if it is determined that the smartphone can be sensed via near-field communication), then delay continuing near-field communication interaction with the smartphone, and detect whether the wearable device approaches the near-field communication payment device to the set payment intention range within a set time period.

[0069] In this scenario, since it's unclear whether the user actually intends to pay with their smartphone, or if they intended to pay with their smartwatch but mistakenly brought their smartphone too close while bringing the smartwatch near, the near-field communication (NFC) interaction with the smartphone is temporarily delayed to prevent accidental triggering of the payment process. Simultaneously, the system continues to speculate on the user's intention to pay with the smartwatch. A payment intention range can be set. If the wearable device approaches the NFC payment device within this range (i.e., close enough to be considered as having payment intention), it's considered highly likely that the user intends to pay with the smartwatch. To prevent excessive delays, a time limit can be set for this speculation. If the wearable device remains outside the payment intention range after this time limit, it's considered highly probable that the user intends to pay with their smartphone.

[0070] In one or more embodiments of this specification, the payment intention range can be set smaller to more reliably determine the user's true intent. For example, the payment intention range can be set to be smaller than or even much smaller than the near-field communication range between a smartphone and a near-field communication payment device, and / or smaller than or even much smaller than the near-field communication range between a wearable device and a near-field communication payment device. For example, within a range of a few centimeters, it may even be required that the user touches the near-field communication payment device.

[0071] S508: If not (i.e., if the wearable device is not brought within the set payment intention range to the near-field communication payment device), then immediately continue near-field communication interaction with the smartphone to complete the payment process through the smartphone, and generate and send a second characteristic wave so that the wearable device responds to the second characteristic wave and automatically turns off the already turned-on near-field communication card reader.

[0072] In this scenario, it can be assumed that the user actually intends to pay using their smartphone. Therefore, the wearable device can be omitted. To prevent energy waste and to prevent the wearable device from misreading information from the near-field communication (NFC) payment device, the wearable device can be proactively triggered to shut down the NFC reader via a second characteristic wave. The principle of the second characteristic wave can be found in the previous section on the characteristic wave principle of the setting mode; it exhibits different characteristics so that the wearable device can correctly identify and distinguish it.

[0073] In one or more embodiments of this specification, after detecting whether the wearable device approaches the near-field communication payment device within a set time period and falls within a set payment intention range, if so, it can be assumed that the user intends to use the wearable device for payment, and the wearable device can then proceed with the subsequent payment process. Further, it can be determined whether a partial near-field communication interaction has already occurred with the smartphone, involving specified business data; if so, the smartphone is triggered to transfer the specified business data to the wearable device, switching to the wearable device to continue near-field communication interaction based on the specified business data to complete the payment process. In this way, regardless of whether the near-field communication interaction performed by the smartphone is erroneous, it can still be effectively utilized, and it helps to improve the reliability and coordination of the entire payment process.

[0074] The preceding description primarily focused on near-field communication payment devices. Following the same approach, one or more embodiments of this specification also provide another payment processing method for wearable devices, described from the perspective of wearable devices. Figure 6 This is a flowchart illustrating this alternative method.

[0075] Figure 6 The process includes the following steps: S602: When in response to a user operation and approaching the near-field communication payment device, receive and identify the characteristic wave of the set pattern sent by the near-field communication payment device.

[0076] S604: If the characteristic wave is correctly identified, the near-field communication card reader that has been turned off will be turned on automatically.

[0077] S606: After the near-field communication card reader is opened, it reads payment information from the near-field communication payment device to trigger the opening of the payment application after entering the near-field communication range of the near-field communication payment device.

[0078] S608: The payment application establishes a Bluetooth connection with the near-field communication payment device and returns user information to the near-field communication payment device via the Bluetooth connection, so that the near-field communication payment device can proceed with the payment process based on the user information.

[0079] For details, please refer to the previous explanation; further details will not be repeated here.

[0080] Based on the same idea, one or more embodiments of this specification also provide apparatus and devices corresponding to the above methods, such as... Figures 7-10 As shown. The apparatus and equipment are capable of performing the above methods and related alternatives accordingly.

[0081] Figure 7This specification provides a schematic diagram of a payment processing device for wearable devices, one or more embodiments of which are provided. The device is applied to near-field communication payment terminals and includes: The proximity detection module 702 detects whether a wearable device is near the near-field communication payment device; If so, the feature wave transmitting module 704 generates and transmits a feature wave of a set pattern so that the wearable device can recognize the feature wave. If the feature wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, the device reads payment information from the near-field communication payment device to trigger the opening of the payment application. Bluetooth connection module 706 establishes a Bluetooth connection with the wearable device through the payment application on the wearable device; The payment advancement module 708 receives user information returned by the payment application through the Bluetooth connection and advances the payment process based on the user information.

[0082] Optionally, the feature wave transmitting module 704 determines the moment when a wearable device is detected approaching the near-field communication payment device as the sensing moment; The setting mode indicates the delay duration, pulse width, pulse interval, and number of pulses; Starting from the sensing moment, after a delay of the specified delay duration, the specified number of pulses using the specified pulse width and pulse interval are sent as characteristic waves of the set mode.

[0083] Optionally, after transmitting the characteristic wave of the set mode, the feature wave transmitting module 704 determines whether the near-field communication payment device is currently working in card reader mode. If so, switch to dynamic tag mode and wait for the wearable device to read it.

[0084] Optionally, the feature wave transmitting module 704 transmits a feature wave carrying descriptive information about the wearable device, so that the mobile device receiving the feature wave can identify the descriptive information and match the descriptive information with itself, and automatically turn on the closed near-field communication card reader if a match is found. The description information is generated based on the detection.

[0085] Optionally, the step of matching the description information with itself, and automatically turning on the closed near-field communication card reader when a match is found, specifically includes: The description information is determined to contain specified key and non-key information, and matched with itself. The key information includes the device type, and the non-key information includes the default payment method. If both the critical information and the non-critical information match itself, the near-field communication card reader that has been turned off will be turned on automatically. If the critical information matches itself, but the non-critical information does not match itself, the near-field communication card reader will not be turned on immediately. Instead, the device will trigger its own screen to prompt the user and respond according to the user's operation.

[0086] Optionally, the Bluetooth connection module 706 receives a connection request sent by the payment application on the wearable device after the user confirms the payment, wherein the payment confirmation is performed on the payment confirmation page displayed by the payment application after it is opened; In response to the connection request, a Bluetooth connection is established with the wearable device.

[0087] Optionally, the proximity detection module 702 further performs: Detect whether the user holding the wearable device is also holding a smartphone; After generating and transmitting a feature wave of a set pattern so that the wearable device can recognize the feature wave, the feature wave transmitting module 704 determines whether it can sense the smartphone through near-field communication if the user holding the wearable device is also holding a smartphone. If so, the interaction with the smartphone is delayed, and it is detected whether the wearable device approaches the near-field communication payment device to the set payment intention range within a set time period. If not, then immediately continue near-field communication interaction with the smartphone to complete the payment process through the smartphone, and generate and send a second characteristic wave so that the wearable device responds to the second characteristic wave and automatically turns off the already turned-on near-field communication card reader.

[0088] Optionally, after detecting whether the wearable device has approached the near-field communication payment device to the set payment intention range within a set time period, the proximity detection module 702 determines whether a part of the near-field communication interaction with the smartphone has been carried out and involves specified business data. If already initiated, the smartphone is triggered to transfer the specified business data to the wearable device, thereby switching to the wearable device and continuing near-field communication interaction based on the specified business data to complete the payment process.

[0089] Optionally, the range of payment intentions is smaller than the near-field communication range between the smartphone and the near-field communication payment device, and also smaller than the near-field communication range between the wearable device and the near-field communication payment device.

[0090] Figure 8 This specification provides a schematic diagram of another payment processing apparatus for wearable devices, based on one or more embodiments. The apparatus is applied to a wearable device and includes: S802: When in response to a user operation and approaching the near-field communication payment device, receive and identify the characteristic wave of the set pattern sent by the near-field communication payment device; S804: The card reader opening module automatically opens the near-field communication card reader if the characteristic wave is correctly identified. S806: Read trigger module, after the near-field communication card reader is opened and enters the near-field communication range of the near-field communication payment device, reads payment information from the near-field communication payment device to trigger the opening of the payment application; S808: Bluetooth connection module, which establishes a Bluetooth connection with the near-field communication payment device through the payment application, and returns user information to the near-field communication payment device through the Bluetooth connection, so that the near-field communication payment device can proceed with the payment process based on the user information.

[0091] Figure 9 This specification provides a schematic diagram of a payment processing device for wearable devices, applicable to near-field communication payment terminals, according to one or more embodiments. The payment processing device includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform: Keep the NFC reader on the offline smart wearable device in a turned-off state; Detect whether a wearable device is near the near-field communication payment device; If so, a characteristic wave of the set pattern is generated and sent so that the wearable device can recognize the characteristic wave. If the characteristic wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, the device reads payment information from the near-field communication payment device to trigger the opening of the payment application. A Bluetooth connection is established with the wearable device through the payment application on the wearable device; The system receives user information returned by the payment application via the Bluetooth connection and proceeds with the payment process based on the user information.

[0092] Figure 10 This specification provides a schematic diagram of another payment processing device for wearable devices, illustrated in one or more embodiments. The payment processing device, applied to wearable devices, includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform: When a user approaches the near-field communication payment device in response to a user's operation, the system receives and identifies the characteristic wave of the set pattern sent by the near-field communication payment device. If the characteristic wave is correctly identified, the near-field communication card reader that has been turned off will be turned on automatically. After the near-field communication card reader is opened, it reads payment information from the near-field communication payment device to trigger the opening of the payment application after entering the near-field communication range of the near-field communication payment device; The payment application establishes a Bluetooth connection with the near-field communication payment device and returns user information to the near-field communication payment device via the Bluetooth connection, so that the near-field communication payment device can proceed with the payment process based on the user information.

[0093] Based on the same idea, one or more embodiments of this specification also provide a non-volatile computer storage medium for use in near-field communication payment devices, wherein the medium stores computer-executable instructions, and the computer-executable instructions are configured as follows: Detect whether a wearable device is near the near-field communication payment device; If so, a characteristic wave of the set pattern is generated and sent so that the wearable device can recognize the characteristic wave. If the characteristic wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, the device reads payment information from the near-field communication payment device to trigger the opening of the payment application. A Bluetooth connection is established with the wearable device through the payment application on the wearable device; The system receives user information returned by the payment application via the Bluetooth connection and proceeds with the payment process based on the user information.

[0094] One or more embodiments of this specification also provide another non-volatile computer storage medium for use in wearable devices, the medium storing computer-executable instructions configured as follows: When a user approaches the near-field communication payment device in response to a user's operation, the system receives and identifies the characteristic wave of the set pattern sent by the near-field communication payment device. If the characteristic wave is correctly identified, the near-field communication card reader that has been turned off will be turned on automatically. After the near-field communication card reader is opened, it reads payment information from the near-field communication payment device to trigger the opening of the payment application after entering the near-field communication range of the near-field communication payment device; The payment application establishes a Bluetooth connection with the near-field communication payment device and returns user information to the near-field communication payment device via the Bluetooth connection, so that the near-field communication payment device can proceed with the payment process based on the user information.

[0095] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that a methodological improvement cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must also be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, 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, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0096] The controller can be implemented in any suitable manner. For example, it 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, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0097] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0098] For ease of description, the above devices are described in terms of function, divided into various units. Of course, in implementing this specification, the functions of each unit can be implemented in one or more software and / or hardware components.

[0099] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the embodiments of this specification can take the form of a computer program product implemented on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0100] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0101] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0102] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0103] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0104] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the embodiments of apparatus, devices, and non-volatile computer storage media are basically similar to the method embodiments, so the descriptions are relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0105] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0106] The above description is merely one or more embodiments of this specification and is not intended to limit this specification. Various modifications and variations can be made to the one or more embodiments of this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principle of one or more embodiments of this specification should be included within the scope of the claims of this specification.

Claims

1. A payment processing method for wearable devices, applied to near-field communication payment devices, the method comprising: Detect whether a wearable device is near the near-field communication payment device; If so, if the user of the wearable device is also holding a smartphone, then determine whether the smartphone can be sensed via near-field communication; If it is determined that the smartphone can be sensed by near-field communication, the near-field communication interaction with the smartphone is delayed, and it is detected whether the wearable device is close to the near-field communication payment device within a set time limit and within the set payment intention range. If not, the near-field communication interaction with the smartphone is resumed immediately to complete the payment process through the smartphone. If yes, the payment process is completed through the wearable device. The wearable device is a smartwatch, smart bracelet, or smart ring.

2. The method as described in claim 1, wherein detecting whether a wearable device is near the near-field communication payment device further comprises: It detects whether the user holding the wearable device is also holding a smartphone.

3. The method as described in claim 1, wherein after detecting whether a wearable device is near the near-field communication payment device, the method further includes: If so, a characteristic wave of the set pattern is generated and sent so that the wearable device can recognize the characteristic wave. If the characteristic wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, the device reads payment information from the near-field communication payment device to trigger the opening of the payment application. A Bluetooth connection is established with the wearable device through the payment application on the wearable device; The system receives user information returned by the payment application via the Bluetooth connection and proceeds with the payment process based on the user information.

4. The method as described in claim 3, wherein transmitting the characteristic wave of the set pattern specifically includes: The moment when a wearable device is detected approaching the near-field communication payment device is defined as the sensing moment; The setting mode indicates the delay duration, pulse width, pulse interval, and number of pulses; Starting from the sensing moment, after a delay of the specified delay duration, the specified number of pulses using the specified pulse width and pulse interval are sent as characteristic waves of the set pattern.

5. The method of claim 3, wherein after transmitting the characteristic wave of the set pattern, the method further comprises: Determine whether the near-field communication payment device is currently operating in card reader mode; If so, switch to dynamic tag mode and wait for the wearable device to read it.

6. The method as described in claim 3, wherein transmitting the characteristic wave of the set pattern specifically includes: A feature wave carrying descriptive information about the wearable device is sent so that the mobile device receiving the feature wave can identify the descriptive information and match the descriptive information with itself. If a match is found, the closed near-field communication card reader is automatically turned on. The description information is generated based on the detection.

7. The method as described in claim 6, wherein matching the description information with itself, and automatically turning on the closed near-field communication card reader when a match is found, specifically includes: The description information is determined to contain specified key and non-key information, and matched with itself. The key information includes the device type, and the non-key information includes the default payment method. If both the critical information and the non-critical information match itself, the near-field communication card reader that has been turned off will be turned on automatically. If the critical information matches itself, but the non-critical information does not match itself, the near-field communication card reader will not be turned on immediately. Instead, the device will trigger its own screen to prompt the user and respond according to the user's operation.

8. The method as described in claim 3, wherein establishing a Bluetooth connection with the wearable device through the payment application on the wearable device specifically includes: The system receives a connection request sent by the payment application on the wearable device after the user confirms the payment, wherein the payment confirmation is performed on a payment confirmation page displayed after the payment application is opened. In response to the connection request, a Bluetooth connection is established with the wearable device.

9. The method of claim 3, wherein after detecting whether the wearable device has approached the near-field communication payment device to a set payment intention range within a set time period, the method further includes: If not, a second characteristic wave is generated and sent so that the wearable device responds to the second characteristic wave and automatically turns off the near-field communication reader that has been turned on.

10. The method of claim 9, wherein after detecting whether the wearable device approaches the near-field communication payment device to a set payment intention range within a set time period, the method further comprises: If so, determine whether a partial near-field communication interaction has been performed with the smartphone and whether it involves specified service data; If already initiated, the smartphone is triggered to transfer the specified business data to the wearable device, thereby switching to the wearable device and continuing near-field communication interaction based on the specified business data to complete the payment process.

11. The method of claim 1, wherein the range of payment intentions is smaller than the near-field communication range between the smartphone and the near-field communication payment device, and smaller than the near-field communication range between the wearable device and the near-field communication payment device.

12. A payment processing apparatus for wearable devices, applied to near-field communication payment terminals, the apparatus comprising: The proximity detection module detects whether a wearable device is near the near-field communication payment device; If so, if the user of the wearable device is also holding a smartphone, then determine whether the smartphone can be sensed via near-field communication; If it is determined that the smartphone can be sensed by near-field communication, the near-field communication interaction with the smartphone is delayed, and it is detected whether the wearable device is close to the near-field communication payment device within a set time limit and within the set payment intention range. If not, the near-field communication interaction with the smartphone is resumed immediately to complete the payment process through the smartphone. If yes, the payment process is completed through the wearable device. The wearable device is a smartwatch, smart bracelet, or smart ring.

13. The apparatus of claim 12, wherein the proximity detection module further performs: It detects whether the user holding the wearable device is also holding a smartphone.

14. The apparatus of claim 12, further comprising: The feature wave transmitting module, after detecting whether a wearable device is near the near-field communication payment device, generates and transmits a feature wave of a set pattern so that the wearable device can recognize the feature wave. If the feature wave is correctly recognized, the wearable device automatically turns on the closed near-field communication card reader. After entering the near-field communication range of the near-field communication payment device through the turned-on near-field communication card reader, it reads payment information from the near-field communication payment device to trigger the opening of the payment application. The Bluetooth connection module establishes a Bluetooth connection with the wearable device through the payment application on the wearable device; The payment advancement module receives user information returned by the payment application via the Bluetooth connection and advances the payment process based on the user information.

15. The apparatus of claim 14, wherein the feature wave transmitting module determines the moment when a wearable device is detected approaching the near-field communication payment device as the sensing moment; The setting mode indicates the delay duration, pulse width, pulse interval, and number of pulses; Starting from the sensing moment, after a delay of the specified delay duration, the specified number of pulses using the specified pulse width and pulse interval are sent as characteristic waves of the set pattern.

16. The apparatus of claim 14, wherein the feature wave transmitting module determines, after transmitting the feature wave of the set mode, whether the near-field communication payment device is currently operating in card reader mode; If so, switch to dynamic tag mode and wait for the wearable device to read it.

17. The apparatus of claim 14, wherein the feature wave transmitting module transmits a feature wave carrying descriptive information about the wearable device, so that the mobile device receiving the feature wave identifies the descriptive information and matches the descriptive information with itself, and automatically turns on the closed near-field communication card reader if a match is found; in, The descriptive information is generated based on the detection.

18. The apparatus of claim 17, wherein matching the description information with itself, and automatically turning on the closed near-field communication reader when a match is found, specifically includes: The description information is determined to contain specified key and non-key information, and matched with itself. The key information includes the device type, and the non-key information includes the default payment method. If both the critical information and the non-critical information match itself, the near-field communication card reader that has been turned off will be turned on automatically. If the critical information matches itself, but the non-critical information does not match itself, the near-field communication card reader will not be turned on immediately. Instead, the device will trigger its own screen to prompt the user and respond according to the user's operation.

19. The apparatus of claim 14, wherein the Bluetooth connection module receives a connection request sent by the payment application on the wearable device after the user confirms payment, wherein... The payment confirmation is performed on the payment confirmation page displayed after the payment application is opened; In response to the connection request, a Bluetooth connection is established with the wearable device.

20. The apparatus of claim 14, The feature wave transmitting module, after detecting whether the wearable device has approached the near-field communication payment device within a set payment intention range within a set time period, further performs the following: If not, a second characteristic wave is generated and sent so that the wearable device responds to the second characteristic wave and automatically turns off the near-field communication reader that has been turned on.

21. The apparatus of claim 20, wherein after detecting whether the wearable device has approached the near-field communication payment device to a set payment intention range within a set time period, the proximity detection module determines whether a partial near-field communication interaction has been conducted with the smartphone and involves specified business data if the wearable device has approached the near-field communication payment device to a set payment intention range. If already initiated, the smartphone is triggered to transfer the specified business data to the wearable device, thereby switching to the wearable device and continuing near-field communication interaction based on the specified business data to complete the payment process.

22. The apparatus of claim 12, wherein the payment intention range is smaller than the near-field communication range between the smartphone and the near-field communication payment device, and smaller than the near-field communication range between the wearable device and the near-field communication payment device.

23. A payment processing device for wearable devices, applied to near-field communication payment terminals, the payment processing device comprising: At least one processor; as well as, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform: Detect whether a wearable device is near the near-field communication payment device; If so, if the user of the wearable device is also holding a smartphone, then determine whether the smartphone can be sensed via near-field communication; If it is determined that the smartphone can be sensed by near-field communication, the near-field communication interaction with the smartphone is delayed, and it is detected whether the wearable device is close to the near-field communication payment device within a set time limit and within the set payment intention range. If not, the near-field communication interaction with the smartphone is resumed immediately to complete the payment process through the smartphone. If yes, the payment process is completed through the wearable device. The wearable device is a smartwatch, smart bracelet, or smart ring.

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