Payment service processing method, device and equipment
By detecting the interactive readiness status of the merchant's POS equipment, the user's mobile terminal obtains payment authorization and logs in as a member through sensor communication, which solves the problems of low efficiency and cumbersome operation in offline payment scenarios and realizes an efficient and convenient payment process.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-07-11
- Publication Date
- 2026-04-07
AI Technical Summary
In offline payment scenarios, when users purchase a large number of items, existing payment methods are inefficient, cashiers take a long time to settle accounts, user privacy information is easily exposed, and member login operations are cumbersome.
The merchant's POS system detects the interactive readiness status and generates a payment readiness prompt. The user's mobile terminal performs sensor communication to obtain payment authorization information and log in as a member. The cashier simultaneously enters product information, and the payment is deducted directly after payment is completed.
It improves the efficiency and convenience of the payment process, reduces the number of steps required for users and cashiers, protects privacy information, and simplifies the member login process.
Smart Images
Figure CN121810281A_ABST
Abstract
Description
[0001] This application is a divisional application of the invention patent application filed on July 11, 2025, with application number 202510954923.9 and entitled "A payment business processing method, apparatus and device", the entire contents of which are incorporated herein by reference. Technical Field
[0002] This specification relates to the field of payment technology, and in particular to a payment business processing method, apparatus, and equipment. Background Technology
[0003] In some offline payment scenarios, such as supermarkets and large-volume snack shops, users usually purchase a large number of items at once, which results in a longer checkout and settlement time for cashiers.
[0004] Currently, QR code-based payment methods are commonly used. Cashiers first scan and input the information for each item, calculate the total amount to be paid, and then ask the user to show their payment QR code. The user then brings up the payment QR code in the corresponding payment application on their mobile phone and shows it to the cashier. The cashier scans the payment QR code to deduct the amount. For users with memberships, the cashier will also ask the user to provide their mobile phone number. The cashier then enters the mobile phone number for the user to log in to their membership. In this case, there may be membership discounts or membership points when scanning the QR code to deduct the amount.
[0005] Therefore, for offline payment scenarios where these users purchase a large number of goods, a more efficient and convenient processing solution is needed. Summary of the Invention
[0006] This specification provides one or more embodiments of a payment processing method, apparatus, or device to solve the following technical problem: for offline payment scenarios where users purchase a large number of goods, a more efficient and convenient processing solution is needed.
[0007] 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 applied to a merchant POS device, the method comprising: Detect whether the current user's pending payment items are in a predefined interactive ready state; If so, a payment ready prompt message is generated and displayed to the user, so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's POS device to conduct inductive communication; Through the aforementioned inductive communication, the payment authorization information generated by the user's mobile terminal based on the first identity is obtained in advance, and the user's mobile terminal is triggered to automatically perform a login operation based on the second identity, and enter the logged-in state. After entering the payment ready state, the cashier continues to enter product information for the current user's unpaid items to determine the original amount to be paid. Based on the original amount to be paid and the logged-in second identity, determine the actual amount to be paid; Based on the payment authorization information and the actual amount to be paid, a corresponding deduction operation is triggered for the first identity.
[0008] This specification provides one or more embodiments of a payment processing device, applied to a merchant POS system, the device comprising: The interaction readiness detection module detects whether the current user's pending payment items are in a predefined interaction readiness state. If so, the payment ready prompt module generates a payment ready prompt message and prompts the user so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's POS device for inductive communication; The payment authorization advance acquisition module, through the inductive communication, advances the payment authorization information generated by the user's mobile terminal based on the first identity, enters the payment advance ready state, and triggers the user's mobile terminal to automatically perform the login operation based on the second identity, and enters the logged-in state; The first payment amount determination module, after entering the payment ready state, determines the original amount to be paid based on the product information entry operation performed by the cashier for the current user's unpaid goods; The second payment amount determination module determines the actual amount to be paid based on the original amount to be paid and the logged-in second identity; The deduction operation triggering module triggers a corresponding deduction operation for the first identity based on the payment authorization information and the actual amount to be paid.
[0009] This specification provides one or more embodiments of a payment processing device, applied to a merchant POS system, wherein the payment processing 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: Detect whether the current user's pending payment items are in a predefined interactive ready state; If so, a payment ready prompt message is generated and displayed to the user, so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's POS device to conduct inductive communication; Through the aforementioned inductive communication, the payment authorization information generated by the user's mobile terminal based on the first identity is obtained in advance, and the user's mobile terminal is triggered to automatically perform a login operation based on the second identity, and enter the logged-in state. After entering the payment ready state, the cashier continues to enter product information for the current user's unpaid items to determine the original amount to be paid. Based on the original amount to be paid and the logged-in second identity, determine the actual amount to be paid; Based on the payment authorization information and the actual amount to be paid, a corresponding deduction operation is triggered for the first identity.
[0010] The above-mentioned at least one technical solution adopted in one or more embodiments of this specification can achieve the following beneficial effects: when the current user's goods to be paid for are just in place (e.g., just placed on the cashier or just started scanning), it can automatically trigger a prompt for the user to establish sensor communication between the user's mobile terminal and the merchant's cashier equipment, provide payment authorization information in advance (e.g., the code value of the payment code), and trigger member login at the same time, so that the payment authorization information is ready and available to the cashier in advance, and the user is in the logged-in member state as soon as possible. During this period, the cashier does not need to be distracted and can perform the product information entry operation in parallel. If there are membership benefits, the entered information can also be directly linked based on the logged-in status. After the current user's goods to be paid for are all entered, the cashier can directly perform the deduction operation according to the payment authorization information, without the user having to do any extra cumbersome cooperation, which is efficient and convenient. Attached Figure Description
[0011] 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.
[0012] Figure 1 A flowchart illustrating a payment processing method provided in one or more embodiments of this specification; Figure 2 A flowchart illustrating a time-prediction-based payment readiness notification scheme provided for one or more embodiments of this specification; Figure 3 A flowchart illustrating a deduction processing scheme based on the prediction of the certainty and uncertainty of goods, provided for one or more embodiments of this specification; Figure 4 Provided for one or more embodiments of this specification Figure 1 A flowchart illustrating a specific implementation plan of the scheme; Figure 5 A schematic diagram comparing the timing principle of existing solutions provided for one or more embodiments of this specification with the solution of this application; Figure 6 A schematic diagram of the structure of a payment processing device provided for one or more embodiments of this specification; Figure 7 This is a schematic diagram of the structure of a payment processing device provided for one or more embodiments of this specification. Detailed Implementation
[0013] This specification provides a payment processing method, apparatus, device, and storage medium through its embodiments.
[0014] 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.
[0015] As mentioned in the background section, in some offline payment scenarios, cashiers' checkout and settlement times are lengthy. Operations involving QR code payments and login via mobile phone numbers are cumbersome, inefficient, and prone to problems such as noisy environments hindering communication and exposing user privacy information like payment codes and phone numbers. Alternatively, there are methods that provide cashiers with membership codes for login; however, these methods also present challenges, such as users not being able to find the correct mini-program or not knowing which page the membership code is on. Therefore, improvements are needed in terms of efficiency and ease of use.
[0016] To address these issues, the proposed solution is presented in this application. Figure 1This schematic diagram illustrates a payment processing method provided in one or more embodiments of this specification, described from the perspective of a merchant POS device. The executing entity of this process may include the merchant POS device. At the software level, this may specifically involve the operating system of the merchant POS device and the business applications mounted on it, such as payment applications provided by a payment service provider or other types of applications, or mini-programs integrated into these applications. The merchant POS device has inductive communication capabilities, which can be near-field communication or other communication methods based on proximity sensing.
[0017] Merchant POS equipment can be a single device or multiple devices that are interconnected and work together.
[0018] In the former case, the merchant's POS device is, for example, a POS machine that supports near-field communication (NFC) payments.
[0019] In the latter case, merchant POS equipment includes POS machines and additional near-field communication (NFC) payment terminals. POS machines are common infrastructure at checkout counters, supporting one or more basic payment methods such as bank card payments, membership card payments, and QR code payments. However, they may not support NFC-based payment methods. In such cases, they are connected to NFC payment terminals wirelessly or via wired connections, enabling the POS machine to indirectly support NFC-based payment methods as well.
[0020] For ease of description, this application treats the merchant POS device as a whole, ignoring the interactions between modules or possible interactions between devices.
[0021] Figure 1 The process includes the following steps: S102: Detect whether the current user's pending payment items are in a predefined interactive ready state.
[0022] Interaction primarily refers to the interaction between the cashier or checkout counter and the items to be paid for. The "interaction-ready" state indicates that the system is ready to begin scanning and entering the information for the items to be paid for, or that some information has been scanned and entered but not all of it. When entering the interaction-ready state, because the item information is not yet fully entered, it will take some time before the current user can be settled. If the current user has many items to pay for, this time will be relatively long, for example, it may be one minute or even several minutes.
[0023] In one or more embodiments of this specification, for example, it is predefined as: detecting whether the product information of the specified product to be paid for has started to be entered; if so, determining that the current user's product to be paid for is in a predefined interactive ready state. The specified product to be paid for can be the first product to be paid for by the current user in this transaction, or it can be a product to be paid for that is related to the current user's logged-in status, such as a member product.
[0024] Visual sensors or weight sensors can be used to more intuitively detect whether the designated items to be paid for are already in place at the checkout counter, so that cashiers can scan and enter the item information. That is, the cashier can see or weigh the items at the checkout counter where they are placed, and the scale can detect the corresponding weight; thereby determining whether the items to be paid for have entered the item information entry state.
[0025] If the first item to be paid is designated as the item to be paid, the interaction ready state can be determined directly based on the item information scanned and entered by the cashier (after the previous user has finished paying, a new record will be made for the current user to record the item information scanned and entered next, so as to easily identify the first item).
[0026] Alternatively, some products can be pre-specified based on specific product numbers. When the cashier scans and enters the data, they can identify these product numbers to determine the interaction readiness status.
[0027] Alternatively, the readiness state of the interaction can be determined indirectly, without necessarily relying on the item to be paid for. For example, it's possible to directly identify whether the current user is already seated at the checkout counter; if so, then it can be determined whether the item to be paid for is in a predefined readiness state.
[0028] S104: If so, generate a payment ready prompt message and prompt the user so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's POS device for inductive communication.
[0029] The user's mobile terminal is a mobile device such as a smartphone or smartwatch that supports inductive communication. The merchant's POS device has an inductive interaction area. When the user's mobile terminal is close enough to the inductive interaction area (for example, by "touching" the device), it can communicate with the merchant's POS device to exchange information.
[0030] The payment-ready notification prompts users to bring their mobile devices close to the merchant's POS equipment in advance for contactless communication, allowing them to provide payment authorization information such as payment code values and payment confirmation instructions. This also more effectively encourages users to use the relatively efficient contactless payment method. In existing technologies, users only provide payment authorization information such as a payment QR code after all product information has been entered and the total amount to be paid has been calculated. Furthermore, prompting at this point (currently usually verbally from the cashier) requires an additional step of switching payment methods if the user has already opened the payment QR code, thus affecting user acceptance, especially when checkout times are long, as cashiers may lack the motivation to provide such prompts due to fatigue. This highlights the advantage of the payment-ready feature proposed in this application.
[0031] The aforementioned detection and prompting process can be executed automatically without the cashier's intervention. Therefore, while this process is in progress, the cashier can focus on entering the product information for the current user's items. Prompts can be displayed on the merchant's POS screen using text and light indicators, or through synthesized voice prompts, without relying on verbal prompts from the cashier, thus avoiding increasing the cashier's workload.
[0032] It should be noted that, with the prompt, users can also choose not to use inductive communication and instead select other methods (such as image scanning and recognition) to complete the payment in advance. Correspondingly, other payment channels (such as QR code payment) will also be used, thus giving users more flexibility and also helping to improve efficiency.
[0033] S106: Through the inductive communication, the payment authorization information generated by the user's mobile terminal based on the first identity is obtained in advance, and the user's mobile terminal is triggered to automatically perform the login operation based on the second identity and enter the logged-in state.
[0034] The primary identity refers to the payment identity the user intends to use for this payment, such as a payment account on a designated third-party payment platform or a bank account. Payment authorization information authorizes the merchant's POS device to trigger deductions against the payment account under specified conditions (e.g., specified timeframe, specified amount, specified merchant information, or specified number of deductions).
[0035] Before the cashier completes the entry of all pending items for the current user, the payment authorization information is already prepared for the merchant's POS device, ready to trigger the deduction at any time. Not only is the payment authorization information prepared in advance, but the current user's login is also prepared in advance, and login is also achieved through the aforementioned sensor communication. Therefore, the user only needs to bring their mobile device close to the merchant's POS device once, eliminating the need for cumbersome operations such as verbally stating their phone number or manually searching for a membership code.
[0036] "Logged in." For merchant POS systems, this refers to the current user's secondary identity, which is already associated with this transaction and will be used to process the transaction using the rights and benefits of that secondary identity. For the user's mobile device, this refers to the current user's secondary identity, which is logged into the merchant's related applications or mini-programs on the user's mobile device, allowing them to view business information related to this transaction, such as recommended products, membership benefits, and transaction progress.
[0037] The secondary identity could be a member of the merchant, or a member of other affiliated merchants or partner platforms recognized by the merchant.
[0038] When logged in, the merchant's relevant business content is displayed on the user's mobile device, such as already entered products and recommended products. This allows the user to interact with the business content as needed, such as making additional purchases, instead of idly waiting for the cashier to enter information. The user's interactions can immediately affect the items pending payment.
[0039] Alternatively, the login process can be executed separately when needed, rather than being performed concurrently with the pre-payment preparation. For example, while waiting for the entry of a payment item related to membership benefits, the user can be prompted to bring their mobile device close to the merchant's POS device again for inductive communication to log in.
[0040] S108: After entering the payment ready state, the original amount to be paid is determined based on the cashier's continued entry of product information for the current user's unpaid goods.
[0041] In the pre-payment ready state, if needed, such as after the payment items have been entered or when a user splits an order for separate settlement, the cashier can trigger the deduction operation at any time without requiring any additional operation from the user's mobile device. Of course, to prevent user misunderstanding, the cashier can also simply confirm with the user verbally before triggering the deduction; alternatively, a button confirmation method can be provided for users who need it.
[0042] In one or more embodiments of this specification, when the payment is immediately ready, the cashier has not yet completed the entry of product information for the current user, especially when there are many products to be paid for. The cashier can continue to focus on entry so that the deduction operation can be triggered as soon as possible. Providing an early payment ready prompt allows the user to provide payment authorization information more readily, ensuring that the payment authorization information awaits completion of the entry operation, rather than waiting for the payment authorization information to become ready after the entry operation is completed.
[0043] Ideally, the advance provision of payment authorization information and the execution of the data entry should proceed in parallel. Once the payment authorization information is provided in advance, the data entry should be completed shortly (or even immediately after or almost simultaneously), and the payment can be deducted. This may occur when there are few items to be paid for; however, even in this case, the solution proposed in this application can still improve efficiency and convenience.
[0044] S110: Determine the actual amount to be paid based on the original amount to be paid and the logged-in second identity.
[0045] The original amount to be paid is the amount without considering any additional benefits that the second identity may offer. While logged in using a second identity, users may enjoy benefits such as member pricing or discounts, in which case the actual amount to be paid may be less than the original amount. Alternatively, the actual amount to be paid may still be equal to the original amount, but the user may receive additional benefits such as membership points or membership gifts.
[0046] S112: Based on the payment authorization information and the actual amount to be paid, trigger the corresponding deduction operation for the first identity.
[0047] Once the actual payment amount is confirmed, the cashier can trigger the deduction operation on the merchant's POS device. Since the payment authorization information has been prepared in advance, the deduction process will proceed directly, deducting the actual amount to be paid from the primary identity's payment account. This process may involve interaction between the merchant's POS device and the payment server, but requires no additional operation from the user on their mobile terminal, and the cashier does not need to wait.
[0048] In one or more embodiments of this specification, a quick deduction control can be generated and displayed in the payment-ready state. If the cashier performs an operation on the quick deduction control (e.g., clicking the quick deduction button), the deduction is made directly based on the pre-obtained payment authorization information, without requiring additional interaction from the user's mobile terminal, thus achieving flexible and fast one-click deduction. The quick deduction control can also be displayed in advance, instead of being generated and displayed immediately upon entering the payment-ready state. In the case of advance display, since payment authorization information has not yet been obtained, a normal deduction can be initiated (i.e., after initiation, the user needs to perform a series of cooperative operations as usual), rather than a quick deduction.
[0049] pass Figure 1 This method automatically triggers a prompt for the user to establish sensor communication between their mobile device and the merchant's POS device as soon as the user's goods to be paid for are ready (e.g., just placed on the checkout counter or just beginning scanning). This allows the user to provide payment authorization information (e.g., the code value of the payment code) in advance, and simultaneously triggers member login. This ensures that the payment authorization information is ready and usable for the cashier in advance, and that the user is logged in as a member as soon as possible. During this period, the cashier does not need to be distracted and can perform the goods information entry operation in parallel. If there are membership benefits, the entered information can also be directly linked based on the logged-in status. After all the user's goods to be paid for have been entered, the cashier can directly perform the deduction operation based on the payment authorization information, without requiring any additional cumbersome cooperation from the user, making it efficient and convenient.
[0050] 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.
[0051] Especially considering scenarios where users purchase a large number of items, implementing the above solution helps both users and cashiers feel convenient, and the checkout process will be smoother and more seamless, resulting in a better user experience. Based on this idea, one or more embodiments of this specification provide a time-prediction-based payment readiness prompt solution, see [link to documentation]. Figure 2 , Figure 2 This is a flowchart illustrating the scheme.
[0052] Figure 2 The process includes the following steps: S202: Obtain the overview information of the goods to be paid for by the current user. The overview information does not include the original amount to be paid. The overview information is collected by a sensor installed at the cashier.
[0053] Compared to the product information that cashiers subsequently enter for items awaiting payment, summary information is much simpler. For example, based on visual sensors, it might identify the approximate volume or number of at least some of the items awaiting payment on the checkout counter; or, based on weight sensors, it might identify the weight of those items; and so on. Since items awaiting payment are typically entered one by one, obtaining the approximate number of items as summary information is particularly reliable.
[0054] S204: Based on the aforementioned overview information, predict the time required to input product information for at least a portion of the goods to be paid for by the current user.
[0055] The larger the volume, number of items, or weight, the longer the corresponding product information entry time may be. Therefore, a positive correlation between them can be predefined for prediction. When collecting overview information from multiple dimensions, predictions can be made based on a pre-trained large model, whose training samples are obtained from historical checkout data.
[0056] S206: Determine whether the predicted product information entry time is greater than the set time threshold.
[0057] If the predicted product information entry time exceeds the set time threshold, the checkout time is considered relatively long. Therefore, to reduce potential negative experiences for users and cashiers, it may be advisable to enable [this feature]. Figure 1 The method described above demonstrates its advantages more clearly. Conversely, if the method is not followed, it is considered to have little impact and the usual procedure can still be followed.
[0058] S208: If so, generate a payment ready notification message.
[0059] S210: If not, the prompt will not be made so that the payment authorization information will not be obtained temporarily; after the product information entry operation for all the products to be paid for by the current user is completed, the payment authorization information will be obtained from the user's mobile terminal through inductive communication.
[0060] If not, after the product information entry operation is completed, the user can be prompted to bring their mobile terminal close to the merchant's POS device for inductive communication. This allows the user to provide payment authorization information to the merchant's POS device before the deduction operation can be triggered.
[0061] In this application's solution, since payment authorization information can be obtained in advance, the deduction can be triggered more flexibly based on the specific details of the goods currently purchased by the user. Following this approach, goods to be paid for are divided into two categories: predefined deterministic goods and predefined indeterminate goods.
[0062] Certain products mainly refer to products that users are unlikely to change their minds after selecting them (e.g., they are sure they want to buy them, the quantity they want to buy is also certain, and they are satisfied with the purchase and have no regrets). Furthermore, certain products can be products that are truly suitable for the user, while some alternative products or other products with similar uses are relatively less suitable for the user when considering all factors. Of course, this is not absolute and can be judged based on predefined strategies and probability thresholds.
[0063] Uncertain products mainly refer to products that users may change their minds after selecting them (e.g., abandoning the purchase, changing the quantity, being dissatisfied after purchase, or even regretting the purchase).
[0064] Based on the two types of goods mentioned above, one or more embodiments of this specification provide a deduction processing scheme based on the prediction of the certainty and uncertainty of goods. See [link to documentation]. Figure 3 , Figure 3 This is a flowchart illustrating the scheme.
[0065] Figure 3 The process includes the following steps: S302: After entering the payment ready state, based on the cashier's continued entry of product information for the current user's pending payment items, predict whether the currently entered pending payment items belong to predefined deterministic items or predefined uncertain items.
[0066] Basic predictions can be made using whitelists or lists. To improve reliability, predictions can also be made using a pre-trained large model, incorporating current user preference features and contextual characteristics. In this case, the prediction results for the same item to be paid for may differ for different users and in different contexts.
[0067] S304: Based on the prediction results, the pending payment items of the current user that are successively entered are divided into a set of deterministic items and a set of uncertain items.
[0068] Depending on the needs, the scheme can be implemented only for a portion of the goods to be paid for. In this case, the set of deterministic goods and the set of indeterminate goods are not complete sets.
[0069] S306: Based on the pre-obtained payment authorization information, automatically execute the deduction operation for the set of deterministic goods in advance, as the first deduction stage. Due to the nature of deterministic goods, this stage can be executed without user confirmation. Furthermore, assuming all of the user's pending payment items are deterministic goods, it is even more convenient, and the current payment settlement can be efficiently completed by executing the first deduction stage.
[0070] When a user has a large number of items to be paid for, multiple different deterministic sets of items can be generated for that user, and multiple first deduction stages can be performed on these sets accordingly.
[0071] S308: After the first deduction stage, if a manual confirmation operation is received for the uncertain product set or the adjusted uncertain product set, then a deduction operation for the uncertain product set or the adjusted uncertain product set is performed as the second deduction stage.
[0072] In one or more embodiments of this specification, after entering the logged-in state, the user's mobile terminal can display a short-term page of related product information or related rights information related to the uncertain product and / or the second identity to the current user. Before the second deduction stage, the user can generate a product adjustment instruction by operating on the short-term page in real time according to their own preferences, and send the product adjustment instruction to the merchant's POS device (for example, indirectly through server communication or communication based on Bluetooth, etc.). The merchant's POS device then adjusts the uncertain product set according to the product adjustment instruction so that the deduction operation is triggered after the adjustment.
[0073] Furthermore, based on product adjustment instructions, more suitable alternative products are recommended to users. Specifically, product adjustment instructions include product replacement instructions. When a user's mobile terminal is logged in, information on alternative products that can be used to replace uncertain products can be displayed (this information may not be displayed for certain products). In this case, the set of uncertain products is adjusted according to the product adjustment instructions. This can include replacing the corresponding uncertain product in the set with the alternative product corresponding to the product replacement instruction. In this way, with the assistance of the system, users can instantly replace products that may not actually be suitable for them with more suitable alternative products with one click, avoiding misselection of products due to incomplete information or consideration, thus improving the user experience. From the cashier's perspective, the relevant information is automatically updated and corrected without additional operation on the device. The cashier can collect the replaced product and continue entering data.
[0074] If the substitute product is already at the checkout counter, it can be directly replaced; otherwise, the substitute product can be automatically dispatched in parallel. Specifically, after replacing the corresponding uncertain product in the uncertain product set with the substitute product, before performing the deduction operation for the uncertain product set or the adjusted uncertain product set, a substitute product dispatch instruction is sent to the terminal of the designated merchant employee (e.g., a stock clerk) to instruct that the replaced substitute product be immediately dispatched to the checkout counter or a designated departure area outside the checkout counter for delivery to the current user.
[0075] The designated departure area, outside the checkout counter, is an area easily accessible to users, such as near the exit. A corresponding goods delivery processing device can be installed in this designated departure area, which can be linked to the checkout system. In this case, the second payment stage (e.g., involving only substitute goods) can be delayed. For example, the second payment stage can be triggered only after the substitute goods have been delivered to the user in the designated departure area, thus more reliably meeting the user's needs.
[0076] In one or more embodiments of this specification, when distinguishing between deterministic and indeterminate goods, it can be detected whether the information of the first indeterminate item among the user's pending payment items has begun to be entered; if so, it is determined that the user's pending payment items are in a predefined interactive ready state. This allows users to be more sensitive to indeterminate goods and to promptly pay attention to information related to indeterminate goods displayed on the user's mobile terminal, thereby enabling them to more timely perform any necessary product adjustment operations.
[0077] Based on the foregoing description, and more intuitively, one or more embodiments of this specification provide Figure 1 One specific implementation plan of the scheme, see Figure 4 , Figure 4 This is a flowchart illustrating the scheme.
[0078] exist Figure 4 In this scenario, the merchandise checkout equipment specifically includes two interconnected devices: a POS machine and a near-field communication payment terminal. The user's mobile terminal is the user's smartphone. Of course, these devices come pre-installed with corresponding applications, such as payment applications, merchant applications, or mini-programs.
[0079] For example, a merchant might be a wholesale retailer selling snacks. In this scenario, each customer often purchases multiple or even many different snacks, requiring the cashier to weigh and record each type of snack separately. In a wholesale retail setting, to facilitate the detection of the interaction readiness status, a more intelligent weighing device can be used. This device is connected to the POS system, allowing for more reliable detection of the start of checkout and product entry. This will be used as an example. Figure 4 The process in the process.
[0080] Figure 4 The process includes the following steps: Intelligent weighing equipment uses its weight sensors (and possibly vision sensors) to detect whether the first item to be paid for has been weighed and the data entry process has begun. If so, it can send a message to the cashier device.
[0081] If the POS machine and / or near-field communication payment terminal determine that it has entered the interactive ready state, it will prompt the user to "tap" to enter the payment pre-ready state.
[0082] Following the prompts, the user brings their mobile phone close to the sensing area on the near-field communication payment terminal to successfully establish near-field communication. Through near-field communication, the mobile phone sends the generated payment code value to the near-field communication payment terminal in advance and can also perform member identity authentication interaction, thereby realizing member login at the same time. Afterwards, the user's mobile phone and the POS machine are both in the member logged-in state.
[0083] When a member is logged in, their mobile phone can access the merchant's application or mini-program to display relevant business information, such as recommended products, exchangeable products, and available membership benefits. Users can interact with this business information on their mobile phones as needed, such as making adjustments like exchanging or adding items to their cart, or simply browsing.
[0084] During this period, cashiers can continue to enter items to be paid for. For items that can use membership benefits, the cashier can automatically identify and use the corresponding membership benefits during entry. After all entries are completed, the cashier can directly click (or verbally notify the user) the "Quick Deduction" button displayed on the POS machine and deduct the payment directly using the pre-obtained payment code value. The near-field communication payment terminal responds to the click of the button to advance the deduction process. After successful payment, all parties receive a payment success message.
[0085] Furthermore, and more intuitively, one or more embodiments of this specification provide a timing principle comparison diagram between existing solutions and the solution of this application. See [link to relevant documentation]. Figure 5 .
[0086] Figure 5 The upper timeline corresponds to the existing scheme, and the lower timeline corresponds to one of the schemes in this application, where each item is a cashier's entry for payment.
[0087] In comparison, it can be seen that, on the one hand, this application, based on a "tap-to-pay" contactless communication payment method, replaces the commonly used QR code payment method in existing technologies. More importantly, this application proactively guides users by detecting the start of the checkout process, significantly advancing the timing of user authorization (using a payment code instead of a QR code) and member login. This not only gives users more flexibility in handling relevant business information but also provides cashiers with more independent and efficient deduction capabilities. Furthermore, it avoids the need for additional prompts to switch payment methods, allowing both parties to operate in parallel, preventing either from being passively waiting, improving overall efficiency, and enhancing the experience for both. Additionally, if the user does not hear the prompts at the start of the checkout and does not perform the "tap-to-pay" action, a prompt can be automatically triggered again when a member-priced item is entered, prompting the user to provide payment authorization information and log in via "tap-to-pay," thereby improving the reliability of the solution.
[0088] Based on the same idea, one or more embodiments of this specification also provide apparatus and devices corresponding to the above methods, such as... Figure 6 , Figure 7 As shown. The apparatus and equipment are capable of performing the above methods and related alternatives accordingly.
[0089] Figure 6 This specification provides a schematic diagram of the structure of a payment processing device according to one or more embodiments. The device is applied to a merchant POS system and includes: The interaction readiness detection module 602 detects whether the current user's pending payment item is in a predefined interaction readiness state; If so, the payment ready prompt module 604 generates a payment ready prompt message and prompts the user so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's cash register for inductive communication; The payment authorization advance acquisition module 606 acquires the payment authorization information generated by the user's mobile terminal based on the first identity in advance through the inductive communication, enters the payment advance ready state, and triggers the user's mobile terminal to automatically perform the login operation based on the second identity and enter the logged-in state. The first payment amount determination module 608, after entering the payment pre-ready state, determines the original amount to be paid based on the product information entry operation performed by the cashier for the current user's unpaid goods. The second payment amount determination module 610 determines the actual amount to be paid based on the original amount to be paid and the logged-in second identity; The deduction operation triggering module 612 triggers a corresponding deduction operation for the first identity based on the payment authorization information and the actual amount to be paid.
[0090] Optionally, the interactive readiness detection module 602 detects whether the product information of the specified product to be paid has started to be entered; If so, then it is determined that the current user's pending payment item is in a predefined interactive ready state.
[0091] Optionally, the specified item to be paid for is the first item for which the current user has entered the item information, or it is an item to be paid for that is related to the logged-in status.
[0092] Optionally, the merchants include bulk goods merchants; The interactive readiness detection module 602 uses a visual sensor and a weight sensor to detect whether the specified item to be paid has entered the state of visual recognition and weighing to record the item information.
[0093] Optionally, the payment ready prompt module 604 obtains the overview information of the goods to be paid by the current user. The overview information does not include the original amount to be paid. The overview information is collected by a sensor set up for the cashier. Based on the aforementioned overview information, predict the time required to input product information for at least a portion of the goods to be paid for by the current user; Determine whether the predicted product information entry time is greater than a set time threshold; If so, a payment ready notification message will be generated.
[0094] Optionally, the payment ready prompt module 604, after determining whether the predicted product information entry time is greater than a set time threshold, will not issue the prompt if not, so as not to temporarily obtain the payment authorization information; The payment authorization advance acquisition module 606, after determining that the product information entry operation for all unpaid goods of the current user has been completed, obtains the payment authorization information from the user's mobile terminal through inductive communication.
[0095] Optionally, the payment authorization advance acquisition module 606 generates and displays a quick deduction control; If the cashier performs the corresponding operation on the quick deduction control, the payment will be deducted directly based on the payment authorization information obtained in advance.
[0096] Optionally, after entering the payment-ready state, the payment authorization advance acquisition module 606 predicts whether the currently entered payment-pending product belongs to a predefined deterministic product or a predefined uncertain product, based on the product information entry operation performed by the cashier for the current user's pending payment product. Based on the prediction results, the pending payment items of the current user that are successively entered are divided into a set of deterministic items and a set of uncertain items. The deduction operation triggering module 612 automatically executes the deduction operation for the set of deterministic goods in advance as the first deduction stage; After the first deduction stage, if a manual confirmation operation is received for the uncertain product set or the adjusted uncertain product set, then a deduction operation for the uncertain product set or the adjusted uncertain product set is performed as the second deduction stage.
[0097] Optionally, after entering the logged-in state, the payment authorization advance acquisition module 606 receives the product adjustment instruction sent by the current user through the user's mobile terminal. In the logged-in state, the user's mobile terminal displays a short-term page of related product information or related rights information related to the uncertain product and / or related to the second identity. The product adjustment instruction is generated by operating on the short-term page. According to the product adjustment instruction, the set of uncertain products is adjusted so that the deduction operation is triggered after the adjustment.
[0098] Optionally, the product adjustment instruction includes a product replacement instruction, and the user's mobile terminal, in the logged-in state, displays information on alternative products that can be used to replace the uncertain product; The advance payment authorization acquisition module 606 replaces the corresponding uncertain product in the uncertain product set with the substitute product according to the substitute product corresponding to the product replacement instruction.
[0099] Optionally, after replacing the corresponding uncertain product in the uncertain product set with the alternative product, before performing the deduction operation for the uncertain product set or the adjusted uncertain product set, the payment authorization advance acquisition module 606 sends an alternative product scheduling instruction to the designated merchant employee terminal, instructing that the replaced alternative product be immediately scheduled to the cashier or a designated departure area outside the cashier for delivery to the current user.
[0100] Optionally, the interaction ready state detection module 602 detects whether the product information of the first uncertain product among the current user's pending payment products has started to be entered; If so, then it is determined that the current user's pending payment item is in a predefined interactive ready state.
[0101] Optionally, the inductive communication includes near-field communication.
[0102] Figure 7 This specification provides a schematic diagram of the structure of a payment processing device according to one or more embodiments. The device is applied to a merchant POS system and 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: Detect whether the current user's pending payment items are in a predefined interactive ready state; If so, a payment ready prompt message is generated and displayed to the user, so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's POS device to conduct inductive communication; Through the aforementioned inductive communication, the payment authorization information generated by the user's mobile terminal based on the first identity is obtained in advance, and the user's mobile terminal is triggered to automatically perform a login operation based on the second identity, and enter the logged-in state. After entering the payment ready state, the cashier continues to enter product information for the current user's unpaid items to determine the original amount to be paid. Based on the original amount to be paid and the logged-in second identity, determine the actual amount to be paid; Based on the payment authorization information and the actual amount to be paid, a corresponding deduction operation is triggered for the first identity.
[0103] Based on the same idea, one or more embodiments of this specification also provide a non-volatile computer storage medium for use in merchant POS devices, wherein the medium stores computer-executable instructions, the computer-executable instructions being configured as follows: Detect whether the current user's pending payment items are in a predefined interactive ready state; If so, a payment ready prompt message is generated and displayed to the user, so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's POS device to conduct inductive communication; Through the aforementioned inductive communication, the payment authorization information generated by the user's mobile terminal based on the first identity is obtained in advance, and the user's mobile terminal is triggered to automatically perform a login operation based on the second identity, and enter the logged-in state. After entering the payment ready state, the cashier continues to enter product information for the current user's unpaid items to determine the original amount to be paid. Based on the original amount to be paid and the logged-in second identity, determine the actual amount to be paid; Based on the payment authorization information and the actual amount to be paid, a corresponding deduction operation is triggered for the first identity.
[0104] 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.
[0105] 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.
[0106] 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.
[0107] 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 entirely hardware embodiments, entirely software embodiments, or embodiments combining software and hardware aspects. Furthermore, the embodiments of this specification can take the form of computer program products 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.
[0108] 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, produce a machine 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.
[0109] 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.
[0110] 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.
[0111] 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 limitation, 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.
[0112] This specification can be described in the general context of computer-executable instructions that are executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This specification can also be practiced in distributed computing environments, where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.
[0113] 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.
[0114] 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.
[0115] 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, applied to a merchant POS device, the method comprising: Generate a payment ready prompt message and prompt the current user so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's POS device for inductive communication. The user's mobile terminal is a smartphone or smartwatch. Through the aforementioned inductive communication, the user's mobile terminal obtains payment authorization information generated based on the first identity in advance, and enters the payment pre-ready state; After entering the payment ready state, the cashier continues to enter product information for the user's pending payment items, and triggers the corresponding deduction operation for the first identity based on the payment authorization information.
2. The method as described in claim 1, wherein generating the payment readiness notification information specifically includes: Detect whether the current user's pending payment items are in a predefined interactive ready state; If so, generate a payment ready notification message; The method further includes: Through the aforementioned inductive communication, the user's mobile terminal is triggered to automatically perform a login operation based on a second identity and enter a logged-in state; The step of the cashier continuing to enter product information for the user's unpaid items, and triggering the corresponding deduction operation for the first identity based on the payment authorization information, specifically includes: Based on the cashier's continued entry of product information for the user's unpaid items, the original amount to be paid is determined; Based on the original amount to be paid and the logged-in second identity, determine the actual amount to be paid; Based on the payment authorization information and the actual amount to be paid, a corresponding deduction operation is triggered for the first identity.
3. The method as described in claim 2, wherein detecting whether the current user's pending payment item is in a predefined interactive ready state specifically includes: Check if the product information for the specified goods to be paid for has started to be entered; If so, then it is determined that the current user's pending payment item is in a predefined interactive ready state.
4. The method as described in claim 3, wherein the specified unpaid item is the first unpaid item for which the current user has entered item information, or is an unpaid item related to the logged-in status.
5. The method as described in claim 3, wherein the merchant includes a bulk goods merchant; The step of detecting whether the entry of product information for the specified goods to be paid for has begun specifically includes: The system uses visual and weight sensors to detect whether the designated items to be paid for have entered the visual recognition and weighing stage to record the item information.
6. The method as described in claim 2, wherein generating the payment readiness notification information specifically includes: Obtain the overview information of the goods to be paid for by the current user. The overview information does not include the original amount to be paid. The overview information is collected by sensors installed at the cashier. Based on the aforementioned overview information, predict the time required to input product information for at least a portion of the goods to be paid for by the current user; Determine whether the predicted product information entry time is greater than a set time threshold; If so, a payment ready notification message will be generated.
7. The method as described in claim 6, after determining whether the predicted product information entry time is greater than a set time threshold, the method further includes: If not, the prompt will not be displayed so that the payment authorization information will not be obtained temporarily; After confirming that the product information entry operation for all unpaid items for the current user has been completed, the payment authorization information is obtained from the user's mobile terminal via inductive communication.
8. The method as described in claim 1, wherein entering the payment-ready state specifically includes: Generate and display the quick deduction control; If the cashier performs the corresponding operation on the quick deduction control, the payment will be deducted directly based on the payment authorization information obtained in advance.
9. The method of claim 1, wherein after entering the payment-ready state, the method further comprises: Based on the cashier's continued entry of product information for the current user's pending payment items, it is predicted whether the currently entered pending payment items belong to predefined deterministic products or predefined uncertain products; Based on the prediction results, the pending payment items of the current user that are successively entered are divided into a set of deterministic items and a set of uncertain items. The triggering of the corresponding deduction operation for the first identity specifically includes: The payment deduction operation for the set of deterministic goods is automatically executed in advance as the first payment deduction stage; After the first deduction stage, if a manual confirmation operation is received for the uncertain product set or the adjusted uncertain product set, then a deduction operation for the uncertain product set or the adjusted uncertain product set is performed as the second deduction stage.
10. The method of claim 9, wherein after entering the logged-in state, the method further comprises: The system receives a product adjustment instruction sent by the current user through the user's mobile terminal, wherein the user's mobile terminal, while logged in, displays a short-term page of associated product information or associated benefits information related to the uncertain product and / or related to the logged-in second identity, and the product adjustment instruction is generated by operating on the short-term page; According to the product adjustment instruction, the set of uncertain products is adjusted so that the deduction operation is triggered after the adjustment.
11. The method of claim 10, wherein the product adjustment instruction includes a product replacement instruction, and the user mobile terminal, in the logged-in state, displays information on alternative products that can be used to replace the uncertain product; The step of adjusting the set of uncertain goods according to the goods adjustment instruction specifically includes: According to the substitute product corresponding to the product replacement instruction, the corresponding uncertain product in the uncertain product set is replaced with the substitute product.
12. The method of claim 11, wherein after replacing the corresponding uncertain product in the uncertain product set with the substitute product, and before performing the deduction operation for the uncertain product set or the adjusted uncertain product set, the method further comprises: Send a replacement product dispatch instruction to the designated merchant employee terminal to instruct that the replacement product be immediately dispatched to the cashier or a designated departure area outside the cashier for delivery to the current user.
13. The method according to any one of claims 1 to 11, wherein the inductive communication includes near-field communication.
14. A payment processing device, applied to a merchant POS system, the device comprising: The payment ready prompt module generates a payment ready prompt message and prompts the current user so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's POS device for inductive communication. The user's mobile terminal is a smartphone or smartwatch. The payment authorization advance acquisition module acquires the payment authorization information generated by the user's mobile terminal based on the first identity in advance through the inductive communication, and enters the payment advance ready state; After entering the payment ready state, the deduction operation triggering module, based on the cashier's continued entry of product information for the user's pending payment items and the payment authorization information, triggers the corresponding deduction operation for the first identity.
15. The apparatus of claim 14, further comprising: The interaction readiness detection module detects whether the current user's pending payment items are in a predefined interaction readiness state. If so, the payment early readiness prompt module generates a payment early readiness prompt message; The payment authorization advance acquisition module triggers the user's mobile terminal to automatically perform a login operation based on a second identity and enter the logged-in state through the inductive communication; The first payment amount determination module determines the original amount to be paid based on the product information entry operation performed by the cashier on the user's unpaid goods. The second payment amount determination module determines the actual amount to be paid based on the original amount to be paid and the logged-in second identity; The deduction operation triggering module triggers a corresponding deduction operation for the first identity based on the payment authorization information and the actual amount to be paid.
16. The apparatus of claim 15, wherein the interactive readiness detection module detects whether the product information of the specified product to be paid has started to be entered; If so, then it is determined that the current user's pending payment item is in a predefined interactive ready state.
17. The apparatus of claim 16, wherein the designated item to be paid for is the first item to be paid for by the current user for which item information has been entered, or is an item to be paid for that is related to the logged-in status.
18. The apparatus of claim 16, wherein the merchant includes a bulk goods merchant; The interactive readiness detection module uses a visual sensor and a weight sensor to detect whether the specified item to be paid has entered the state of visual recognition and weighing to record the item information.
19. The apparatus of claim 15, wherein the payment ready prompt module obtains an overview of the goods to be paid for by the current user, the overview information excluding the original amount to be paid, and the overview information is collected by a sensor installed at the cashier. Based on the aforementioned overview information, predict the time required to input product information for at least a portion of the goods to be paid for by the current user; Determine whether the predicted product information entry time is greater than a set time threshold; If so, a payment ready notification message will be generated.
20. The apparatus of claim 19, wherein the payment readiness prompt module, after determining whether the predicted product information entry time is greater than a set time threshold, if not, does not issue the prompt so as to temporarily not obtain the payment authorization information; The advance payment authorization acquisition module obtains the payment authorization information from the user's mobile terminal via inductive communication after the product information entry operation for all unpaid items for the current user has been completed.
21. The apparatus of claim 14, wherein the advance payment authorization acquisition module generates and displays a quick deduction control; If the cashier performs the corresponding operation on the quick deduction control, the payment will be deducted directly based on the payment authorization information obtained in advance.
22. The apparatus of claim 14, wherein after entering the payment-ready state, the payment authorization advance acquisition module predicts, based on the cashier's continued entry of product information for the current user's pending payment product, whether the currently entered pending payment product is a predefined deterministic product or a predefined uncertain product. Based on the prediction results, the pending payment items of the current user that are successively entered are divided into a set of deterministic items and a set of uncertain items. The deduction operation triggering module automatically executes the deduction operation for the set of deterministic goods in advance as the first deduction stage; After the first deduction stage, if a manual confirmation operation is received for the uncertain product set or the adjusted uncertain product set, then a deduction operation for the uncertain product set or the adjusted uncertain product set is performed as the second deduction stage.
23. The apparatus of claim 22, wherein after entering the logged-in state, the payment authorization advance acquisition module receives a product adjustment instruction sent by the current user through the user's mobile terminal, wherein, When the user's mobile terminal is logged in, it displays a short-term page of related product information or related rights information that is related to the uncertain product and / or the second identity. The product adjustment instruction is generated by operating on the short-term page. According to the product adjustment instruction, the set of uncertain products is adjusted so that the deduction operation is triggered after the adjustment.
24. The apparatus of claim 23, wherein the product adjustment instruction includes a product replacement instruction, and the user mobile terminal, in the logged-in state, displays information on alternative products that can be used to replace the uncertain product; The advance payment authorization acquisition module replaces the corresponding uncertain product in the uncertain product set with the substitute product according to the substitute product corresponding to the product replacement instruction.
25. A payment processing device, applied to a merchant POS system, 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: Generate a payment ready prompt message and prompt the current user so that the user responds to the payment ready prompt message by bringing the user's mobile terminal close to the merchant's POS device for inductive communication. The user's mobile terminal is a smartphone or smartwatch. Through the aforementioned inductive communication, the user's mobile terminal obtains payment authorization information generated based on the first identity in advance, and enters the payment pre-ready state; After entering the payment ready state, the cashier continues to enter product information for the user's pending payment items, and triggers the corresponding deduction operation for the first identity based on the payment authorization information.