A payment method, apparatus, device and medium

Abstract

The embodiments of the present specification disclose a payment method, device, equipment and medium. The payment method can comprise: the smart wearable device in the sleep state can listen to the external signal through the field detection circuit, in response to detecting the detection signal with the preset characteristics issued by the payment device, the main control module can be awakened, and the field emission circuit is controlled to issue a characteristic response signal; the characteristic response signal is used to identify the smart wearable device, and triggers the payment device to switch from the tag mode to the card reader mode, after which the payment device switched to the card reader mode can establish a near field communication connection, obtain order information of a to-be-paid order based on the near field communication connection, and transmit a payment code to the payment device to complete payment for the to-be-paid order.

Description

Technical Field

[0001] This application relates to the field of near-field communication technology, and in particular to a payment method, apparatus, device, and medium. Background Technology

[0002] With the popularization of electronic payment technology, users' demands for payment convenience are constantly increasing. In the existing payment interaction mode, the cash register device usually needs to actively initiate communication as a card reader, while the payment device (such as a mobile phone) responds passively as a tag.

[0003] In existing technologies, users cannot make electronic payments if they forget to bring their mobile phones or if it is inconvenient for them to take out their phones.

[0004] Therefore, how to enable electronic payments without users using mobile phones and further improve payment convenience has become an urgent technical problem to be solved. Summary of the Invention

[0005] In view of this, embodiments of this application provide a payment method, apparatus, device, and medium to offer a more convenient payment solution.

[0006] According to a first aspect of the embodiments of this application, a first payment method is provided, applied to a smart wearable device, comprising: In sleep mode, external signals are monitored through the field detection circuit. In response to the detection of a detection signal with preset characteristics emitted by the payment device, the main control module is woken up and the field circuit is controlled to emit a characteristic response signal; the characteristic response signal is used to identify the smart wearable device and trigger the payment device to switch from tag mode to card reader mode; Establish a near-field communication connection with the payment device that has switched to the card reader mode; The order information of the order to be paid is obtained based on the near-field communication connection, and the payment code is transmitted to the payment receiving device to complete the payment for the order to be paid.

[0007] According to a second aspect of the embodiments of this application, a second payment method is provided, applied to a payment receiving device, including: In response to the detection of an object entering a preset area, a detection signal with preset characteristics is emitted; Receive a characteristic response signal emitted by a smart wearable device in response to the detection signal; Switch the tag mode to the card reader mode and establish a near-field communication connection with the smart wearable device; Based on the near-field communication connection, order information for orders awaiting payment is sent to the smart wearable device; Receive the payment code transmitted by the smart wearable device, and use the payment code to complete the payment for the order to be paid.

[0008] According to a third aspect of the embodiments of this application, a first payment device is provided, applied to a smart wearable device, the device comprising: An external signal monitoring module is used to monitor external signals through a field detection circuit while in sleep mode. The response signal sending module is used to wake up the main control module and control the field transmission circuit to send a characteristic response signal in response to the detection of a detection signal with preset characteristics emitted by the payment device; the characteristic response signal is used to identify the smart wearable device and trigger the payment device to switch from tag mode to card reader mode; A near-field communication connection module is used to establish a near-field communication connection with the payment device that has switched to the card reader mode; The payment code transmission module is used to obtain the order information of the order to be paid based on the near-field communication connection, and transmit the payment code to the payment receiving device to complete the payment for the order to be paid.

[0009] According to a fourth aspect of the embodiments of this application, a second payment device is provided, applied to a payment receiving device, the device comprising: The detection signal transmitting module is used to emit a detection signal with preset characteristics in response to the detection that an object has entered a preset area; A response signal receiving module is used to receive a characteristic response signal emitted by a smart wearable device in response to the detection signal; The near-field communication connection module is used to switch the tag mode to the card reader mode and establish a near-field communication connection with the smart wearable device; The order information sending module is used to send order information of pending orders to the smart wearable device based on the near-field communication connection; The payment code receiving module is used to receive the payment code transmitted by the smart wearable device and use the payment code to complete the payment for the order to be paid.

[0010] According to a fifth aspect of the embodiments of this application, a computing device is provided, 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, which, when executed by the at least one processor, enable the at least one processor to implement either the first payment method or the second payment method described above.

[0011] According to a sixth aspect of the embodiments of this application, the embodiments of this specification also provide a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the first payment method or the second payment method described above.

[0012] At least one embodiment provided in this specification can achieve the following beneficial effects: In this embodiment, the smart wearable device, in sleep mode, can monitor external signals through a field detection circuit. If it detects a detection signal with preset characteristics emitted by the payment device, it can wake up the main control module and control the field detection circuit to emit a characteristic response signal. This characteristic response signal is used to identify the smart wearable device and trigger the payment device to switch from tag mode to card reader mode. Afterward, it can establish a near-field communication connection with the payment device in card reader mode, obtain the order information of the order to be paid based on the near-field communication connection, and transmit the payment code to the payment device to complete the payment for the order. In this embodiment, the smart wearable device can obtain the order information of the order to be paid through the near-field communication connection established with the payment device and transmit the payment code to the payment device, so that the payment device can complete the payment for the order. Users only need to wear the smart wearable device and approach the payment device to realize electronic payment. When users forget to bring their mobile phones or find it inconvenient to take out their mobile phones, they can use the smart wearable device to make payments, significantly improving the convenience of payment.

[0013] In addition, the smart wearable device is awakened by detecting the detection signal emitted by the payment device and sends a characteristic response signal to trigger the payment device to switch to card reader mode. During this process, the smart wearable device does not need to continuously emit radio frequency fields and only works in a passive listening mode, which effectively reduces power consumption and solves the physical limitation that smart wearable devices are difficult to use as active communication devices due to their small size and limited battery capacity. Attached Figure Description

[0014] 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 application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0015] Figure 1 This is a schematic diagram illustrating an application scenario of a payment method provided in one embodiment of this specification; Figure 2 This is a flowchart illustrating the first payment method provided in one embodiment of this specification; Figure 3This is a schematic diagram of the structure of a smart wearable device provided in one embodiment of this specification; Figure 4 This is a swimlane diagram of a first embodiment of a payment method provided in one embodiment of this specification; Figure 5 This is a swimlane diagram of a second embodiment of a payment method provided in one embodiment of this specification; Figure 6 This is a swimlane diagram of a third embodiment of a payment method provided in one embodiment of this specification; Figure 7 This is a flowchart illustrating a second payment method provided in one embodiment of this specification; Figure 8 This is a schematic diagram of the structure of a first payment device provided in one embodiment of this specification; Figure 9 This is a schematic diagram of the structure of a second payment device provided in one embodiment of this specification; Figure 10 This is a structural block diagram of a computing device provided in one embodiment of this specification. Detailed Implementation

[0016] Many specific details are set forth in the following description to provide a full understanding of this application. However, this application can be implemented in many other ways different from those described herein, and those skilled in the art can make similar extensions without departing from the spirit of this application; therefore, this application is not limited to the specific embodiments disclosed below.

[0017] The terminology used in one or more embodiments of this application is for the purpose of describing particular embodiments only and is not intended to limit the scope of one or more embodiments of this application. The singular forms “a,” “the,” and “the” used in one or more embodiments of this application and in the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise. It should also be understood that the term “and / or” used in one or more embodiments of this application refers to and includes any or all possible combinations of one or more associated listed items.

[0018] It should be understood that although the terms first, second, etc., may be used to describe various information in one or more embodiments of this application, such information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, first may also be referred to as second without departing from the scope of one or more embodiments of this application, and similarly, second may also be referred to as first. Depending on the context, the word "if" as used herein may be interpreted as "when," "when," or "in response to a determination."

[0019] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, use and processing of the relevant data must comply with the relevant laws, regulations and standards of the relevant regions, and corresponding operation entry points are provided for users to choose to authorize or refuse.

[0020] First, the terms and concepts used in one or more embodiments of this specification will be explained.

[0021] Near Field Communication (NFC) is a short-range, high-frequency wireless communication technology that enables short-range, low-latency, and highly secure data exchange between devices through electromagnetic induction coupling. NFC supports active, passive, and bidirectional communication modes and is compatible with various working forms such as contactless smart cards, card readers, and peer-to-peer communication. It can quickly complete identity authentication, information reading and writing, command exchange, and transaction data transmission without complex pairing or network dependence, and is widely used in near-field interaction scenarios such as mobile payment, access control, transportation ticketing, device pairing, and tag recognition.

[0022] A microcontroller unit (MCU) is an embedded control chip that integrates a central processing unit, memory, input / output interfaces, clock management, and various peripheral control circuits onto a single chip. It can perform data processing, instruction execution, peripheral driving, low-power management, and logic control. It is widely used in miniaturized electronic products such as smart wearables, IoT terminals, and near-field interaction devices, serving as a core controller to complete system scheduling and functional coordination.

[0023] A time-of-flight (TOF) sensor is an optical detection device that calculates the distance, depth, and spatial position of an object by emitting light signals and measuring the flight time between the emission and reception of the light. It can accurately identify whether an object has entered a preset near-field area and features fast response, strong anti-interference, and non-contact ranging. It is often used for object proximity detection in near-field payment devices.

[0024] A light sensor (LS) is a photoelectric detection element that outputs a corresponding electrical signal based on changes in light intensity. It can sense light blocking, reflection, or brightness changes caused by an object approaching, thereby determining whether the object has entered a preset sensing area. It features simple structure, low power consumption, and sensitive response.

[0025] A field detection circuit (FDC) is a hardware circuit that can detect external NFC signals. It can identify and determine the characteristics of NFC signals through interrupts or ADC sampling, and supports triggering MCU wake-up, providing basic signal detection and device wake-up capabilities for near-field interaction.

[0026] The Field Transmitting Circuit (FTC) is a hardware circuit that can be controlled and driven by the main control chip to actively emit NFC radio frequency signals with specific characteristics. By working with the NFC antenna, it transmits near-field communication signals outward according to a preset timing and format for device identification, interaction triggering and pairing response. It provides the basic transmission capability for micro wearable devices to realize signal response, device identification and communication mode switching in near-field payment.

[0027] Tag Mode (TM) is the passive working mode of NFC. In this mode, the device does not actively emit radio frequency fields, but only acts as the target end to be read and written. It relies on external radio frequency fields for power supply and responds to data reading commands. It can transmit preset identifiers, payment information, identity data and other content. It has the characteristics of simple structure and extremely low power consumption, and is often used in smart cards, payment tags, identity credentials and other scenarios.

[0028] Reader / Writer Mode (RWM) is the active working mode of NFC. In this mode, the device actively emits a radio frequency field to provide working power to external passive tags and actively initiates data read and write operations. It can read data from external tags or write specified information to tags. It is suitable for scenarios that require active acquisition and processing of data, such as payment terminals, information readers, and near-field interactive verification.

[0029] A dual-interface tag chip (DIT chip) is a smart tag chip that supports both contact communication and contactless NFC communication. It enables local data configuration with the main control chip through wired interfaces such as I2C and SPI, while completing near-field wireless data interaction with the NFC antenna. It can securely share storage areas and identity information between the two interfaces, balancing the flexibility of local control with the convenience of near-field interaction. It is widely used in scenarios such as payment, identity authentication, and device identification that require local writing and wireless reading.

[0030] A secure element (SE) is an embedded chip with independent computing, encrypted storage, and hardware-level security capabilities. It can securely store sensitive data such as keys, payment credentials, and identity information, and independently execute security algorithms such as encryption, decryption, signing, and verification. It can effectively prevent data from being illegally read, tampered with, or attacked, and is widely used in scenarios with high data security requirements, such as mobile payment, identity authentication, and smart wearables.

[0031] General Purpose Input Output (GPIO) is a universal programmable hardware pin provided by a microcontroller (MCU). It can be flexibly configured by software as an input mode for detecting external voltage levels, button states, and signal triggers, or as an output mode for driving external devices such as motors, LEDs, and field-emitting circuits to perform on / off switching and state transitions. GPIO features universal interface, flexible configuration, and simple control, making it a fundamental universal interface for interaction between embedded systems and external hardware. It is widely used in hardware control and signal interaction in devices such as smart wearables and IoT terminals.

[0032] Inter-Integrated Circuit (I2C) is a half-duplex, synchronous, multi-master serial communication bus that requires only two signal lines, SCL (clock line) and SDA (data line), to achieve short-distance, low-speed data transmission between chips. It supports multiple device mounting and address addressing, and features simple wiring and few pins. It is widely used for low-speed configuration and data interaction between MCUs and devices such as sensors, power management chips, and dual-interface tags.

[0033] The Serial Peripheral Interface (SPI) is a full-duplex, synchronous, high-speed serial communication interface that typically includes four signal lines: clock, input, output, and chip select. It supports high-speed data reading and writing from the master to the slave device, with a communication rate much higher than I2C. It is suitable for scenarios requiring large data volumes and high real-time transmission and is often used for rapid data interaction between MCUs and devices such as Flash memory, displays, and high-frequency tags.

[0034] A Universal Asynchronous Receiver / Transmitter (UART) is an asynchronous serial communication hardware unit that uses two signal lines, one for transmitting and one for receiving, to complete point-to-point data transmission. It does not require a clock line and achieves data synchronization through a predefined baud rate. It supports long-distance point-to-point communication and is mainly used for device debugging, log output, inter-chip instruction pass-through, and simple data interaction.

[0035] Power management integrated circuits (PMICs) are dedicated chips that integrate functions such as voltage conversion, voltage regulation, charge and discharge management, power consumption control, power monitoring, and over-temperature and over-current protection. They can provide stable and reliable power supply and power status management for loads such as MCUs, sensors, and RF modules, and support low-power mode control and battery safety management. They are widely used in devices with high requirements for power efficiency and size, such as smart wearables and IoT terminals.

[0036] An accelerometer (ACC) is an inertial sensor that can measure the linear acceleration and gravitational acceleration of an object. It can detect the motion state and attitude changes of a device in real time along the X, Y, and Z axes and output the corresponding acceleration data. It is used to identify actions such as stillness, motion, vibration, tapping, and raising a hand. It features low power consumption and high response and is widely used in gesture recognition, motion detection, and behavior determination in smart wearable devices.

[0037] A gyroscope (GYRO) is an inertial sensor used to measure the angular velocity of an object. It can accurately detect changes in angular velocity such as rotation, deflection, and flipping of a device on the X, Y, and Z axes, and output real-time angle and rotation rate data. It can capture fine hand gestures and spatial postures and is often used in conjunction with accelerometers to improve the accuracy of gesture confirmation and motion posture detection in smart wearable devices.

[0038] With the widespread adoption of electronic payment technology, users' demands for payment convenience are constantly increasing. Currently, users can make payments by tapping their phones, which is relatively convenient. However, if a user forgets to bring their phone or is unable to retrieve it, they cannot make the aforementioned electronic payment. Furthermore, for people who are unable or unwilling to use smartphones (such as the elderly, children, and visually impaired individuals), convenient electronic payments cannot be made using smartphones.

[0039] To address the shortcomings in related technologies, this solution provides the following embodiments.

[0040] Figure 1 This is a schematic diagram illustrating an application scenario of a payment method provided in one embodiment of this specification.

[0041] like Figure 1As shown, this payment method can involve a payment receiving device 101 and a smart wearable device 102. When a user needs to make a payment, they can bring the smart wearable device 102 close to the payment receiving device 101. After the payment receiving device 101 detects an object entering a preset area, it can emit a detection signal with preset characteristics. After the smart wearable device 102 detects the detection signal emitted by the payment receiving device, it can wake up the main control module and control the field circuit to emit a characteristic response signal identifying the smart wearable device 102. After receiving the characteristic response signal emitted by the smart wearable device 102, the payment receiving device 101 can switch from tag mode to card reader mode and establish a near-field communication connection with the smart wearable device 102. Then, the payment receiving device 101 can send the order information of the order to be paid to the smart wearable device 102 through the near-field communication connection.

[0042] After receiving the order information of the pending payment order sent by the payment device 101, the smart wearable device 102 can transmit the payment code to the payment device 101; after receiving the payment code transmitted by the smart wearable device 102, the payment device 101 can use the payment code to complete the payment for the pending payment order.

[0043] Figure 1 The method described above allows smart wearable devices to obtain order information for orders awaiting payment through a near-field communication connection with a payment device. The device then transmits the payment code to the payment device, which completes the payment for the order. Users simply need to wear the smart wearable device and bring it close to the payment device to make an electronic payment. This significantly improves payment convenience, especially when users forget their phones or are unable to take them out. Furthermore, it provides a convenient electronic payment option for people who are unable to use smartphones.

[0044] In addition, the smart wearable device is awakened by detecting the detection signal emitted by the payment device and sends a characteristic response signal to trigger the payment device to switch to card reader mode. During this process, the smart wearable device does not need to continuously emit radio frequency fields and only works in a passive listening mode, which effectively reduces power consumption and solves the physical limitation that smart wearable devices are difficult to use as active communication devices due to their small size and limited battery capacity.

[0045] Figure 2 This is a flowchart illustrating a first payment method provided in one embodiment of this specification. From a hardware perspective, the entity executing this process can be a smart wearable device. From a program perspective, the entity executing this process can be a program installed on the smart wearable device. Figure 2 As shown, the process may include the following steps: Step 202: In sleep mode, listen to external signals through the field detection circuit.

[0046] In the embodiments of this specification, sleep mode can refer to a low-power operating mode in which the smart wearable device operates. Sleep mode is an energy-saving mechanism adopted by the smart wearable device to extend battery life. In sleep mode, the smart wearable device can actively listen for external radio frequency signals through a field detection circuit. Furthermore, if an external signal is detected, it can be further determined whether the external signal is a detection signal emitted by the payment device.

[0047] Step 204: In response to the detection of a detection signal with preset characteristics emitted by the payment device, the main control module is woken up and the field circuit is controlled to emit a characteristic response signal; the characteristic response signal is used to identify the smart wearable device and trigger the payment device to switch from tag mode to card reader mode.

[0048] In the embodiments of this specification, the payment device may refer to a payment device that supports "tap-to-pay". Payment devices are typically equipped with optical detection elements (such as time-of-flight sensors or photosensors) and near-field communication modules, which can detect objects approaching and emit detection signals.

[0049] In the embodiments described in this specification, the smart wearable device may possess near-field communication detection and transmission capabilities, as well as the hardware units required for secure payment. It may also have Bluetooth communication capabilities, enabling it to complete low-power, high-security payment tasks through interaction with a payment device. Specifically, the hardware form of the smart wearable device may include, but is not limited to, smart rings, smart bracelets, smartwatches, or smart pendants.

[0050] In practical applications, when a smart wearable device detects a detection signal from a payment device via its field detection circuit, it can emit a characteristic response signal identifying the smart wearable device through its field detection circuit. This characteristic response signal is a near-field communication signal with a specific timing sequence. It identifies the signal as originating from the smart wearable device and also triggers the payment device to switch from tag mode to reader mode. Upon receiving this characteristic response signal, the payment device can switch from tag mode to reader mode.

[0051] Specifically, after the smart wearable device detects a detection signal with preset characteristics emitted by the payment device, it can wake up the main control module. The main control module, according to a preset response timing pattern, controls the field-emitting circuit via GPIO pins to emit a characteristic response signal identifying the smart wearable device. This characteristic response signal is a pulse sequence with a specific timing (e.g., 50 microseconds on, 30 microseconds off, 100 microseconds on, 30 microseconds off), and may differ from the timing pattern of the detection signal. The main control module can specifically be a microcontroller unit (MCU).

[0052] After sending a detection signal, the payment device can continuously listen for response signals. When it detects a characteristic response signal from the smart wearable device, the MCU of the payment device can analyze the characteristic response signal. If it is confirmed that the timing of the characteristic response signal matches the preset smart wearable device response mode, the MCU of the payment device can switch the working state of the near-field communication module from tag mode to card reader mode through software instructions, and prepare to actively establish a near-field communication connection with the smart wearable device.

[0053] It should be noted that in traditional near-field communication (NFC) payment models, the mobile phone typically acts as the card reader, actively initiating communication, while the payment device passively responds as a tag. However, smart wearable devices, limited by size, power consumption, and antenna size, find it difficult to actively transmit radio frequency fields as card readers. In this application, the payment device actively emits a detection signal under specific conditions. The smart wearable device only needs to passively detect and respond with a simple characteristic response signal to trigger the payment device to switch to card reader mode. Thus, the payment device undertakes the task of active communication. By triggering the mode switch of the payment device through the characteristic response signal, the physical limitation that smart wearable devices cannot actively initiate communication is solved. In addition, this mechanism allows the smart wearable device to remain in a deep sleep state most of the time, only being awakened and participating in communication when a legitimate detection signal is detected. This significantly reduces the power consumption of the smart wearable device and helps improve its battery life.

[0054] Figure 3 This is a schematic diagram of the structure of a smart wearable device provided in one embodiment of this specification, as shown below. Figure 3 As shown, a smart wearable device may include an MCU, a field detection circuit, a field emission circuit, a dual-interface tag chip, an SE (security chip), a charging circuit, a PMIC (power management integrated circuit), a lithium battery, an NFC antenna, a Bluetooth antenna, a vibration motor, buttons, an accelerometer, and a gyroscope.

[0055] One end of the field detection circuit can be connected to the NFC antenna, and the other end can be connected to any interrupt pin on the MCU. This ensures that the MCU can be woken up by an interrupt when there is an external NFC signal. After the MCU is woken up, it can use the interrupt interval to confirm the characteristics of the external NFC signal.

[0056] One end of the field-emitting circuit can be connected to the NFC antenna, and the other end can be connected to any controllable GPIO on the MCU. The MCU can control the interrupt interval by controlling the GPIO, and then send out NFC signals with special intervals through the field-emitting circuit.

[0057] One end of the dual-interface tag chip can be connected to the NFC antenna, and the other end can be connected to any I2C, SPI, or UART on the MCU, ensuring that the MCU can set the data of the dual-interface tag chip through I2C, SPI, or UART.

[0058] Among them, the SE (Security Chip) can be connected to the MCU via UART or I2C. The SE is mainly used to store the payment code seed and run the payment code generation logic.

[0059] The charging circuit is connected to the lithium battery, enabling external charging. The lithium battery is connected to the PMIC (Power Management Integrated Circuit), which in turn is connected to the MCU's power input to provide a stable voltage to the MCU. The MCU connects to the PMIC via I2C or SPI to read power levels, temperature, or to control the MCU to enter a low-power mode.

[0060] The Bluetooth antenna can be connected to the MCU's antenna interface to ensure that the MCU can communicate normally with other Bluetooth devices.

[0061] The vibration motor can be connected to any controllable GPIO on the MCU. The MCU can directly drive the vibration motor through the GPIO to achieve start and stop control of the vibration motor.

[0062] The buttons can be connected to any controllable GPIO on the MCU. The MCU can detect when a button is pressed or released via the GPIO.

[0063] The accelerometer and gyroscope can both connect to any I2C or SPI interface on the MCU, primarily for detecting user gestures. In practical applications, for the user to confirm payment, one or more of the following can be used: buttons, capacitive touchscreen, accelerometer, and gyroscope.

[0064] Specifically, smart wearable devices may also include a device casing ( Figure 3 (not shown in the image) and flexible circuit board ( Figure 3(Not shown in the image). Flexible printed circuit boards (FPCBs) are primarily used to carry electronic components within smart wearable devices; they can be bent and inserted into the device's casing.

[0065] Step 206: Establish a near-field communication connection with the payment device that has switched to the card reader mode.

[0066] In the embodiments of this specification, a near-field communication connection can refer to a communication link established based on near-field communication technology for short-range data exchange between devices. Near-field communication connections are characterized by short communication distances (typically less than 10 centimeters), moderate communication speeds, and the elimination of the need for pre-pairing.

[0067] In practical applications, if the smart wearable device successfully establishes a near-field communication connection with the payment device, a short vibration can be generated by driving a vibration motor to notify the user that the smart wearable device has successfully established a connection with the payment device. Alternatively, the smart wearable device can be equipped with a voice broadcast module, which can also notify the user of the successful connection via voice. Alternatively, no notification may be given to the user at this stage; there are no specific limitations on this.

[0068] In the embodiments described in this specification, the payment device can actively generate a radio frequency field as a card reader to provide operating power for the smart wearable device. This allows the smart wearable device to operate without consuming its own battery power during near-field communication (NFC) connections, thus reducing power consumption. Furthermore, the establishment of the NFC connection follows standard NFC protocols, ensuring compatibility with existing NFC infrastructure and eliminating the need for additional hardware modifications to the payment device. Simultaneously, the short-range nature of NFC connections avoids the risk of information interception that can occur with long-distance wireless transmission, thereby ensuring communication security.

[0069] Step 208: Obtain the order information of the order to be paid based on the near-field communication connection, and transmit the payment code to the payment receiving device to complete the payment for the order to be paid.

[0070] In the embodiments of this specification, the order information of an order to be paid may refer to the set of business data corresponding to the current payment transaction, generated by the receiving device or the back-end payment system, and used to describe the relevant information involved in a payment transaction to be completed. Specifically, the order information of an order to be paid may include, but is not limited to: payment amount information, order number information, merchant identification information, merchant name information, transaction time information, product description information, payment time limit information, etc.

[0071] In practical applications, after the payment device establishes a near-field communication connection with the smart wearable device, the payment device can send the order information of the order to be paid to the smart wearable device through the near-field communication connection, and the smart wearable device can obtain the order information of the order to be paid through the near-field communication connection.

[0072] In practical applications, after obtaining the order information of an order to be paid, the smart wearable device can also perform verification operations on the order information. For example, the smart wearable device can check whether the amount to be paid is a valid value (an amount greater than 0 is considered a valid value), whether the amount to be paid exceeds a preset threshold (for example, an error message will be displayed if the amount exceeds 1,000 yuan), and whether the order number is in a valid format. If the verification fails, the smart wearable device can notify the user of the error through a vibration motor or voice module and terminate the payment process.

[0073] In the embodiments of this specification, the payment code can refer to a security authorization credential that is dynamically generated by the security chip in the smart wearable device based on the pre-stored payment code seed and the current transaction parameters (such as timestamp, order number, amount, etc.), and has one-time validity and timeliness. In the payment process, the payment code can serve as the user's digital signature for the current transaction. After being obtained by the receiving device, it is submitted to the payment backend to complete the deduction, ensuring that each payment is authorized by the user and cannot be forged or reused. The payment code has the following characteristics: (1) Dynamism: The payment code generated for each payment is different. Even for the same user, the same amount, and the same merchant, the payment code generated at different times will be different, effectively preventing replay attacks. (2) One-time validity: Each payment code can only be used once and expires immediately after use, and cannot be reused. (3) Timeliness: The payment code has a short validity period (usually tens of seconds to a few minutes) and expires automatically after the timeout, preventing it from being intercepted and used maliciously. (4) Irreversibility: The payment code seed or other sensitive information cannot be derived from the payment code, ensuring the security of the user's core key.

[0074] In practical applications, after a smart wearable device obtains the order information of an order to be paid via near-field communication (NFC), it can transmit the payment code to the payment receiving device. Upon receiving the payment code, the payment receiving device can perform a series of subsequent operations to complete the payment transaction for the order. These subsequent operations may include, but are not limited to: verifying the validity of the payment code, associating the payment code with the order, generating a payment request message, sending the payment request to the payment gateway, receiving payment result notifications, updating the order status, and providing feedback on the payment result to the user.

[0075] In practical applications, due to the small size and light weight of smart wearable devices, users tend to wear them with them. When users go out, if they forget to bring their mobile phones or encounter situations such as mobile phone malfunctions or mobile phones shutting down due to depleted battery, they can also complete payments through the smart wearable devices they wear. This can avoid the inability to make normal electronic payments due to the above-mentioned emergencies, and can greatly improve the convenience of payment and the user experience.

[0076] Figure 2 The method described herein allows the smart wearable device, in sleep mode, to monitor external signals via a field detection circuit. If a detection signal with preset characteristics is detected from the payment device, the main control module is awakened, and the field detection circuit is controlled to emit a characteristic response signal. This characteristic response signal identifies the smart wearable device and triggers the payment device to switch from tag mode to card reader mode. A near-field communication connection is then established with the payment device in card reader mode, and order information for the pending payment order is obtained based on this connection. The payment code is then transmitted to the payment device to complete the payment for the pending order. In this embodiment, the smart wearable device can obtain order information for the pending payment order through a near-field communication connection established with the payment device and transmit the payment code to the payment device, allowing the payment device to complete the payment. Users only need to wear the smart wearable device and bring it close to the payment device to make electronic payments. This significantly improves payment convenience when users forget their mobile phones or are unable to take them out. Furthermore, for those who find it inconvenient or impossible to use smartphones, convenient electronic payments can be achieved through wearable smart devices. In addition, the smart wearable device is activated by detecting the detection signal emitted by the payment device and sends a characteristic response signal to trigger the payment device to switch to card reader mode. During this process, the smart wearable device does not need to continuously emit radio frequency fields, but operates only in a passive listening mode, effectively reducing power consumption and overcoming the physical limitations of smart wearable devices, such as small size and limited battery capacity, which make them unsuitable as active communication devices.

[0077] based on Figure 2 In addition to the method described in the embodiments of this specification, some specific implementation schemes of the method are also provided, which will be described below.

[0078] Optional, Figure 2 The method, prior to waking up the main control module and controlling the field circuit to send a characteristic response signal in response to detecting a detection signal with preset characteristics emitted by the payment device, may further include: The detection signal is obtained by listening to the field detection circuit described above; Determine whether the interruption pattern of the detection signal conforms to a preset interruption pattern; If the judgment result indicates that the interruption pattern of the detection signal conforms to the preset interruption pattern, then the detection signal is determined to be a detection signal with preset characteristics issued by the payment receiving device.

[0079] In the embodiments of this specification, the interrupt pattern can refer to the interrupt time interval pattern of the detection signal detected by the MCU of the smart wearable device through the field detection circuit. When the field detection circuit detects a change in the external radio frequency field, it can trigger the interrupt pin of the MCU. The MCU can record the time point of each interruption and obtain a series of time intervals by calculating the time difference between adjacent interrupts. The arrangement of these time intervals constitutes the "interrupt pattern," and the signal can be identified through the "interrupt pattern."

[0080] In the embodiments of this specification, the preset interruption pattern can refer to the interruption time interval pattern pre-stored in the MCU of the smart wearable device for identifying detection signals emitted by legitimate payment devices. If the interruption pattern of the detected detection signal conforms to the preset interruption pattern, it can be said that the detection signal is a detection signal with preset characteristics emitted by a legitimate payment device.

[0081] In the embodiments described in this specification, the field detection circuit can wake up the MCU only when the external radio frequency field changes, and the MCU only performs a simple time interval calculation when an interrupt occurs, without needing to run the complete near-field communication protocol stack, significantly reducing the standby power consumption of the smart wearable device. Simultaneously, by comparing the interrupt pattern of the detection signal with a preset interrupt pattern, the smart wearable device can accurately distinguish legitimate detection signals from other near-field communication signals or electromagnetic noise in the environment, avoiding invalid power consumption and communication interference caused by false wake-ups, and improving the system's reliability and anti-interference capability.

[0082] Optional, Figure 2 The method in the article states that the feature response signal is a near-field communication signal with a specific timing sequence; the feature response signal contains feature identification information for identifying the smart wearable device.

[0083] In the embodiments of this specification, feature identification information can refer to information used to uniquely identify the identity of a smart wearable device. This feature identification information can be implicitly or explicitly expressed through a specific timing pattern or modulation method in the feature response signal. Feature identification information may include the type of smart wearable device, device ID, security level, etc. In practical applications, feature identification information can be encoded through different combinations of timing patterns. For example, taking a smart wearable device as a smart ring as an example, timing pattern A (50µs on - 30µs off - 100µs on - 30µs off) indicates that the ring type is a "standard payment ring"; timing pattern B (30µs on - 50µs off - 80µs on - 50µs off) indicates that the ring type is a "ring supporting advanced encryption"; and timing pattern C (100µs on - 100µs off - 100µs on - 100µs off) indicates that the ring type is a "test ring".

[0084] It should be noted that in the interaction process between the smart wearable device and the payment device, after detecting the detection signal from the payment device and confirming its legitimacy, the smart wearable device can send an acknowledgment response to the payment device to identify itself and trigger the payment device to switch from tag mode to card reader mode. Because smart wearable devices are limited by power consumption and size, they cannot actively transmit radio frequency fields as card readers for extended periods; therefore, a low-power response method is required. In the embodiments of this specification, the smart wearable device responds by emitting a characteristic response signal through a field transmission circuit. This characteristic response signal only contains timing information and does not carry complex data frames. The field transmission circuit does not require complex modulation and coding, making it simple to implement and with low power consumption.

[0085] In the embodiments described in this specification, the smart wearable device emits a characteristic response signal with a specific timing sequence through a field-emitting circuit, achieving low-power and high-efficiency response to the detection signal from the payment device. The control logic of the field-emitting circuit is simple, requiring only the MCU to output high and low levels according to a preset timing sequence via GPIO, significantly reducing the hardware complexity and power consumption of the smart wearable device. Simultaneously, the characteristic response signal can carry characteristic identification information through different timing modes, enabling the payment device to initially identify the type or security level of the smart wearable device before establishing formal communication.

[0086] Optional, Figure 2 The method described above, which involves obtaining order information for orders to be paid based on the near-field communication connection and transmitting the payment code to the payment receiving device, may specifically include: The dual-interface tag chip receives order information of pending orders written by the payment device via near-field communication. The payment code transmission method is determined based on the order information; The payment code is transmitted to the payment receiving device via the payment code transmission method.

[0087] In the embodiments of this specification, a dual-interface tag chip can refer to a smart card or tag chip that simultaneously supports contact and contactless communication interfaces. The dual-interface tag chip has two communication interfaces: a contactless interface (NFC interface) for wireless communication with an external card reader (such as a payment device); and a contact interface (I2C / SPI / UART interface) for wired communication with the MCU of a smart wearable device. The two interfaces can share the internal memory of the dual-interface tag chip, allowing both the MCU and the payment device to read and write to the memory, thereby enabling data exchange.

[0088] In practical applications, after the payment device completes the mode switch (from tag mode to reader mode) and establishes a near-field communication connection with the smart wearable device, it can retrieve the order information of the currently pending payment orders from local storage or through a backend interface. Furthermore, the payment device can send a data write command (containing order information) to the dual-interface tag chip of the smart wearable device via the near-field communication connection. Upon receiving the data write command, the dual-interface tag chip can parse the order information data in the command and write it into its internal storage. After the write is complete, the dual-interface tag chip can send a successful data write response back to the payment device.

[0089] After receiving a notification that the data write is complete from the dual-interface tag chip, the MCU of the smart wearable device can communicate with the dual-interface tag chip via a contact interface (I2C, SPI, or UART). The MCU sends a data read command to the dual-interface tag chip to read the order information data stored in the chip's memory.

[0090] In practical applications, after obtaining the order information of an order to be paid, the smart wearable device can determine the payment code transmission method based on this information. The payment code transmission method refers to the data transmission path used by the smart wearable device to transmit the payment code generated by the security chip to the payment receiving device. Specifically, payment code transmission methods may include, but are not limited to: near-field communication transmission, Bluetooth connection transmission, and Bluetooth broadcast transmission.

[0091] Near-field communication (NFC) transmission refers to the direct transmission of payment codes over short distances (typically less than 10 centimeters) using NFC technology. With NFC transmission, smart wearable devices can write the payment code into a dual-interface tag chip, which is then read directly by the receiving device acting as a card reader. NFC transmission does not require a Bluetooth connection and is suitable for small-amount, confirmation-free payment scenarios.

[0092] Bluetooth connection transmission refers to a method where the smart wearable device and the payment device first establish a point-to-point connection via Bluetooth, and then transmit the payment code via Bluetooth. Bluetooth connection transmission supports two-way communication and can complete user confirmation (such as button confirmation, gesture confirmation, voice confirmation, etc.) security verification before transmission, making it suitable for high-value payment scenarios.

[0093] Bluetooth broadcast transmission refers to smart wearable devices sending payment codes via Bluetooth broadcast channels, and payment devices obtaining the payment codes by scanning the Bluetooth broadcast. Bluetooth broadcast transmission does not require a pre-established Bluetooth connection, but it does require payment identification information to ensure the Bluetooth broadcast is received correctly by the payment device. Security verification (such as button confirmation, gesture confirmation, voice confirmation, etc.) can be completed before transmission, making it suitable for high-value payment scenarios.

[0094] Optionally, the order information may include information on the amount to be paid; determining the payment code transmission method based on the order information may specifically include: Based on the information on the amount to be paid, determine whether the amount to be paid is greater than a preset threshold; If the judgment result indicates that the amount to be paid is greater than the preset threshold, then the payment code transmission method is determined to be Bluetooth connection transmission or Bluetooth broadcast transmission. If the judgment result indicates that the amount to be paid is not greater than the preset threshold, then the payment code transmission method is determined to be near-field communication transmission.

[0095] In the embodiments of this specification, the preset threshold can refer to the upper limit of a single transaction amount that a user sets through a terminal device (such as a mobile phone) in account binding or subsequent settings, allowing payment to be completed without the user's active confirmation. In practical applications, if the user does not set a preset threshold in advance, the system's default preset threshold can also be used. In practical applications, users' needs for payment convenience and security may change dynamically with the transaction amount. When making small payments (such as buying beverages or snacks), users may prefer to complete the transaction quickly and do not want to require user confirmation for every transaction; while for large payments (such as buying expensive goods), users may want to add security verification steps to prevent accidental payments or fraudulent transactions.

[0096] In practical applications, smart wearable devices determine the payment code transmission method based on the order information of the order to be paid. Specifically, this can be based on the amount to be paid in the order information. For small-amount payments, near-field communication (NFC) transmission can be used, allowing users to complete the payment without any additional operation, significantly improving payment efficiency and user experience. For large-amount payments, Bluetooth connection or Bluetooth broadcast transmission can be used, introducing a user confirmation step before the payment code is transmitted (e.g., prompting the user to confirm the payment via voice or motor vibration, which the user can confirm via buttons, gestures, or voice), thereby effectively preventing the risks of accidental payments and fraudulent transactions. Specifically, users can preset thresholds. If the amount to be paid is less than the preset threshold, the payment code will be transmitted via near-field communication. This method eliminates the need for additional confirmation from the user, improving the convenience of small payments. If the amount to be paid exceeds the preset threshold, the payment code will be transmitted via Bluetooth connection or Bluetooth broadcast. These two methods can prompt the user for payment confirmation via voice or vibration. The user can confirm the payment via voice, button, or gesture. After confirmation, the subsequent payment process can proceed, thus improving the security of large payments.

[0097] For example, if the user sets a preset threshold of 100 yuan, and the amount to be paid exceeds 100 yuan, the payment code transmission method will be determined to be Bluetooth connection transmission or Bluetooth broadcast transmission, and the user needs to confirm before proceeding with the subsequent payment process; if the amount to be paid does not exceed 100 yuan, the payment code transmission method can be determined to be near field communication transmission, and the smart wearable device can directly transmit the payment code to the receiving device without user confirmation.

[0098] Optionally, transmitting the payment code to the payment receiving device via the payment code transmission method may specifically include: If the payment code transmission method is near-field communication transmission, then the security chip is invoked to generate the payment code; The payment code is written into the dual-interface tag chip so that the payment receiving device can read the payment code from the dual-interface tag chip via near-field communication.

[0099] In practical applications, if the payment code is transmitted via near-field communication (NFC), the smart wearable device can directly call the security chip to generate the payment code. Specifically, the security chip can calculate a payment code based on a pre-stored payment code seed using an internal encryption algorithm. The generated payment code is valid only once, has a time limit, and is irreversible, serving as proof of the user's authorization for the current payment.

[0100] In practical applications, the MCU of a smart wearable device can communicate with the dual-interface tag chip via a contact interface (I2C, SPI, or UART). The MCU can send a data write command (containing a payment code) to the dual-interface tag chip. After receiving the data write command, the dual-interface tag chip can parse the payment code in the command and write it to its internal memory. After writing is complete, the dual-interface tag chip can send a successful data write response back to the MCU. The payment device can send a data read command to the dual-interface tag chip of the smart wearable device via near-field communication to read the payment code stored in the dual-interface tag chip's memory.

[0101] Figure 4 This is a swimlane diagram of a first embodiment of a payment method provided in this specification. The first embodiment can be used for small-amount payment scenarios, in which the payment code can be transmitted via near-field communication, requiring no additional confirmation from the user. Figure 4 As shown, the execution entities involved in the process of this embodiment may include payment receiving devices and smart wearable devices. The process may include an order information transmission stage and a payment code transmission stage, and may specifically include the following steps: During the order information transmission phase, one possible implementation method is as follows: Figure 4 Steps 402 to 412 are shown in the diagram.

[0102] Step 402: The payment device detects an object entering the preset area and sends out a detection signal.

[0103] Step 404: The smart wearable device uses the field detection circuit to detect external signals and obtain detection signals.

[0104] Step 406: When the interruption pattern of the detection signal conforms to the preset interruption pattern, the smart wearable device sends out a characteristic response signal identifying the smart wearable device through the field circuit.

[0105] Step 408: The receiving device receives the characteristic response signal from the smart wearable device, switches the tag mode to the card reader mode, and establishes a near-field communication connection with the smart wearable device.

[0106] Step 410: The payment device sends the order information of the pending payment order to the smart wearable device via near-field communication connection.

[0107] Step 412: The smart wearable device obtains the order information of the pending payment order sent by the payment device based on near-field communication.

[0108] During the payment code transmission phase, one possible implementation method is as follows: Figure 4 Steps 414 to 424 are shown in the diagram.

[0109] Step 414: The smart wearable device determines whether the amount to be paid in the order information is greater than a preset threshold.

[0110] Step 416: If the amount to be paid is not greater than the preset threshold, the smart wearable device will determine the payment code transmission method as near-field communication transmission.

[0111] Step 418: The smart wearable device calls the security chip to generate a payment code.

[0112] Step 420: The smart wearable device writes the payment code into the dual-interface tag chip.

[0113] Step 422: The receiving device reads the payment code from the dual-interface tag chip of the smart wearable device based on the card reader mode.

[0114] Step 424: The payment device uses the payment code to complete the payment process for the order to be paid.

[0115] Optionally, transmitting the payment code to the payment receiving device via the payment code transmission method may specifically include: If the payment code is transmitted via Bluetooth, then Bluetooth broadcasting is enabled, and Bluetooth information is provided to the payment device through the dual-interface tag chip, so that the payment device can establish a Bluetooth connection with the smart wearable device based on the Bluetooth information. Once the Bluetooth connection is established, the vibration motor will prompt the user to confirm the payment. In response to the user's payment confirmation instruction, the security chip is invoked to generate a payment code; The payment code is sent to the receiving device via the Bluetooth connection.

[0116] In practical applications, if the payment code transmission method is determined to be Bluetooth, the smart wearable device can enable Bluetooth broadcasting and provide Bluetooth information to the payment device through the dual-interface tag chip. Specifically, the MCU of the smart wearable device can communicate with the dual-interface tag chip via a contact interface (I2C, SPI, or UART). The MCU can send a data write command to the dual-interface tag chip (this data write command can contain the Bluetooth information of the smart wearable device). After receiving the data write command, the dual-interface tag chip can parse the Bluetooth information in the command and write the Bluetooth information into its internal memory. After writing is complete, the dual-interface tag chip can send a successful data write response to the MCU. The payment device can send a data read command to the dual-interface tag chip of the smart wearable device via near-field communication (NFC) to read the Bluetooth information stored in the dual-interface tag chip's memory. Furthermore, the payment device can establish a Bluetooth connection with the smart wearable device based on the Bluetooth information.

[0117] In practical applications, the Bluetooth information of smart wearable devices can also be pre-stored in the dual-interface tag chip. After the payment device and the smart wearable device establish a near-field communication connection, the Bluetooth information can be read through the card reader mode.

[0118] The Bluetooth information may include, but is not limited to: the Bluetooth device address (MAC address) information of the smart wearable device, the Bluetooth device name information, the Bluetooth pairing code, and the Bluetooth broadcast interval information.

[0119] In practical applications, once a Bluetooth connection is established, the smart wearable device can activate a vibration motor to prompt the user to confirm payment. Upon receiving the vibration, the user can confirm payment via button press, gesture, voice, or capacitive touch. After receiving the confirmation, the smart wearable device can use its security chip to generate a payment code and send it to the payment receiving device via Bluetooth.

[0120] It should be noted that after the near-field communication interaction between the smart wearable device and the payment device is completed, the user's smart wearable device may have already moved away from the vicinity of the payment device. Bluetooth connection has an effective range of several meters, allowing users to complete the confirmation operation in a natural posture (such as raising their hand to check the smart wearable device) without having to bring it close to the payment device again, which improves user convenience.

[0121] In the embodiments described in this specification, in large-amount payment scenarios, a vibration motor is used to prompt the user for payment, and a payment code is only generated after the user agrees to the payment. This mechanism ensures that large-amount payments are actively authorized by the user, effectively preventing accidental payments or fraudulent transactions (such as when the user is unaware that a smart wearable device is near the payment device).

[0122] Figure 5 This is a swimlane diagram of a second embodiment of a payment method provided in one embodiment of this specification. The second embodiment can be used for large-amount payment scenarios. In this scenario, the payment code can be transmitted via Bluetooth, adding a security verification step (prompting the user and proceeding with the subsequent payment process only after the user confirms the payment) to prevent erroneous payments or fraudulent transactions. Figure 5 As shown, the execution entities involved in the process of this embodiment may include payment receiving devices and smart wearable devices. The process may include an order information transmission stage and a payment code transmission stage, and may specifically include the following steps: During the order information transmission phase, one possible implementation method is as follows: Figure 5 Steps 502 to 512 are shown in the diagram.

[0123] Step 502: The payment device detects an object entering the preset area and sends out a detection signal.

[0124] Step 504: The smart wearable device uses the field detection circuit to detect external signals and obtain detection signals.

[0125] Step 506: When the interruption pattern of the detection signal conforms to the preset interruption pattern, the smart wearable device sends out a characteristic response signal identifying the smart wearable device through the field circuit.

[0126] Step 508: The receiving device receives the characteristic response signal from the smart wearable device, switches the tag mode to the card reader mode, and establishes a near-field communication connection with the smart wearable device.

[0127] Step 510: The payment device sends the order information of the pending payment order to the smart wearable device via near-field communication connection.

[0128] Step 512: The smart wearable device obtains the order information of the pending payment order sent by the payment device based on near-field communication.

[0129] During the payment code transmission phase, one possible implementation method is as follows: Figure 5 Steps 514 to 530 are shown in the diagram.

[0130] Step 514: The smart wearable device determines whether the amount to be paid in the order information is greater than a preset threshold.

[0131] Step 516: If the amount to be paid is greater than the preset threshold, the smart wearable device will determine the payment code transmission method as Bluetooth connection transmission.

[0132] Step 518: The smart wearable device enables Bluetooth broadcasting and provides Bluetooth information to the payment device through the dual-interface tag chip.

[0133] Step 520: The receiving device establishes a Bluetooth connection with the smart wearable device based on Bluetooth information.

[0134] Step 522: After the smart wearable device detects that the Bluetooth connection has been established, it drives the vibration motor to prompt the user to confirm the payment.

[0135] Step 524: The smart wearable device responds to the user's payment confirmation instruction by calling the security chip to generate a payment code.

[0136] Step 526: The smart wearable device sends the payment code to the receiving device via Bluetooth connection.

[0137] Step 528: The receiving device obtains the payment code via Bluetooth connection.

[0138] Step 530: The payment device uses the payment code to complete the payment process for the order to be paid.

[0139] Optionally, transmitting the payment code to the payment receiving device via the payment code transmission method may specifically include: If the payment code is transmitted via Bluetooth broadcast, the payment identification information written by the payment receiving device is received through the dual-interface tag chip; the payment identification information is used to uniquely identify the order to be paid. The vibration motor prompts the user to confirm payment; In response to the user's payment confirmation instruction, the security chip is invoked to generate a payment code; A Bluetooth broadcast is performed; the Bluetooth broadcast carries the payment code and the payment identifier information, so that the receiving device can obtain the payment code after receiving the Bluetooth broadcast with the payment identifier information.

[0140] In practical applications, after the payment device establishes a near-field communication (NFC) connection with the smart wearable device, it can send a data write command to the dual-interface tag chip of the smart wearable device via NFC. (This data write command can contain not only order information but also payment identification information.) Upon receiving the data write command, the dual-interface tag chip can parse the order information and payment identification information in the command and write them into its internal memory. After the write is complete, the dual-interface tag chip can send a successful data write response back to the payment device.

[0141] After receiving a notification that the data write to the dual-interface tag chip is complete, the MCU of the smart wearable device can communicate with the dual-interface tag chip via a contact interface (I2C, SPI, or UART). The MCU sends a data read command to the dual-interface tag chip to read the order information and payment identification information stored in the chip's memory. If the payment code transmission method is determined to be Bluetooth broadcast based on the amount to be paid in the order information, a vibration motor can be driven to generate vibration to prompt the user to confirm the payment. After receiving the vibration prompt, the user can issue a payment confirmation command through button confirmation, gesture confirmation, voice confirmation, or capacitive touch confirmation. After receiving the user's payment confirmation command, the smart wearable device can call the security chip to generate a payment code and send the payment code to the receiving device via Bluetooth broadcast. Specifically, the Bluetooth broadcast can carry the payment code and payment identification information so that the receiving device can determine that the payment code in the broadcast corresponds to the order to be paid (there is a one-to-one correspondence between the payment identification information and the order to be paid).

[0142] In the embodiments described in this specification, payment identification information may refer to a temporary credential (i.e., a token) generated by the payment receiving device to uniquely identify the current order to be paid. Payment identification information is typically a random string or an encrypted string, possessing characteristics such as uniqueness, timeliness, and unpredictability. Payment identification information can be used to associate Bluetooth broadcasts emitted by smart wearable devices with specific orders to be paid, preventing the broadcasts from being mistakenly received or misused by other payment receiving devices.

[0143] It should be noted that in public environments, multiple payment devices may be scanning via Bluetooth simultaneously. If the smart wearable device only broadcasts the payment code, all payment devices will receive it, potentially leading to payment errors. By including payment identification information in the Bluetooth broadcast, only the payment device that generated the payment identification information will process the broadcast; other devices can ignore it, thus preventing the broadcast from being mistakenly received or misused by other payment devices.

[0144] In the embodiments described in this specification, after the user confirms payment, the smart wearable device simultaneously sends a payment code and payment identifier information via Bluetooth broadcast. The receiving device continuously scans via Bluetooth, and upon receiving the Bluetooth broadcast, it can match the payment identifier information to find the corresponding order to be paid, thereby obtaining the payment code and processing the order. This method eliminates the need to establish a Bluetooth connection, resulting in a faster response time. In practical applications, the smart wearable device can also encrypt the payment code and payment identifier information carried in the Bluetooth broadcast to enhance data security.

[0145] Figure 6 This is a swimlane diagram of a third embodiment of a payment method provided in one embodiment of this specification. The third embodiment can be used for large-amount payment scenarios. In this scenario, the payment code can be transmitted via Bluetooth broadcast, adding a security verification step (prompting the user and proceeding with the subsequent payment process only after the user confirms the payment) to prevent erroneous payments or fraudulent transactions. Figure 6 As shown, the execution entities involved in the process of this embodiment may include payment receiving devices and smart wearable devices. The process may include an order information transmission stage and a payment code transmission stage, and may specifically include the following steps: During the order information transmission phase, one possible implementation method is as follows: Figure 6 Steps 602 to 612 are shown in the diagram.

[0146] Step 602: The payment device detects an object entering the preset area and sends out a detection signal.

[0147] Step 604: The smart wearable device uses the field detection circuit to detect external signals and obtain detection signals.

[0148] Step 606: When the interruption pattern of the detection signal conforms to the preset interruption pattern, the smart wearable device sends out a characteristic response signal identifying the smart wearable device through the field circuit.

[0149] Step 608: The receiving device receives the characteristic response signal from the smart wearable device, switches the tag mode to the card reader mode, and establishes a near-field communication connection with the smart wearable device.

[0150] Step 610: The receiving device sends the order information and payment identifier information of the order to be paid to the smart wearable device based on the near field communication connection.

[0151] Step 612: The smart wearable device obtains the order information and payment identifier information of the pending payment order sent by the payment device based on near-field communication.

[0152] During the payment code transmission phase, one possible implementation method is as follows: Figure 6 Steps 614 to 628 are shown in the diagram.

[0153] Step 614: The smart wearable device determines whether the amount to be paid in the order information is greater than a preset threshold.

[0154] Step 616: If the amount to be paid is greater than the preset threshold, the smart wearable device will determine the payment code transmission method as Bluetooth broadcast transmission.

[0155] Step 618: The smart wearable device drives the vibration motor to prompt the user to confirm payment.

[0156] Step 620: The smart wearable device responds to the user's payment confirmation instruction by calling the security chip to generate a payment code.

[0157] Step 622: The smart wearable device broadcasts via Bluetooth, carrying the payment code and payment identification information.

[0158] Step 624: The receiving device obtains Bluetooth broadcasts via Bluetooth scanning.

[0159] Step 626: The receiving device determines whether the payment identifier information in the Bluetooth broadcast is the payment identifier information corresponding to the order to be paid.

[0160] Step 628: If the payment identifier information in the Bluetooth broadcast is the payment identifier information corresponding to the order to be paid, the receiving device will use the payment code in the Bluetooth broadcast to complete the payment process for the order to be paid.

[0161] Optionally, the method of obtaining the payment confirmation instruction may include at least one of the following: obtaining it via a button, obtaining it via capacitive touch, obtaining it via an accelerometer, and obtaining it via a gyroscope.

[0162] Among these, obtaining payment confirmation via a button refers to users confirming payment by triggering a button on a smart wearable device. Physical buttons provide clear tactile feedback (feel), and pressing them indicates confirmation. This results in a low probability of accidental triggering, ease of operation, simple implementation, low cost, and high reliability.

[0163] Capacitive touch for payment confirmation means that users can confirm payment by triggering a specific area on a smart wearable device; the change in capacitance corresponding to that area indicates payment confirmation. Compared to physical buttons, capacitive touch eliminates the need for mechanical structures, offers better water resistance, and enhances the overall aesthetics of smart wearable devices. Users simply need to lightly touch a designated area on the device's surface to confirm, making it convenient. Specifically, capacitive touch allows for various payment confirmation actions, including single-point touch, long press, and swipe.

[0164] One method, obtaining payment confirmation via accelerometer, involves using an accelerometer to detect the user's hand gestures to recognize their payment confirmation. This method eliminates the need for the user to touch any specific area; the user simply needs to make a natural gesture to confirm the payment. For example, in the case of a smart wearable device like a smart ring, the user can confirm by double-tapping the ring or quickly shaking it.

[0165] One method is to obtain payment confirmation instructions via a gyroscope, which means using a gyroscope to detect the user's rotational gestures to identify the user's payment confirmation operation. This method also eliminates the need for the user to touch any specific area of ​​the smart wearable device. For example, in the case of a smart ring, the user only needs to make a natural gesture (rotating the wrist, flipping the ring, etc.) to confirm the payment, which is suitable for situations where the user's fingers are wet, they are wearing gloves, or the surface of the ring is inconvenient to touch.

[0166] Optional, Figure 2 The method, in which the method is described, may further include: Establish a Bluetooth connection with the terminal device; Receive the payment code seed sent by the terminal device via the Bluetooth connection; The payment code seed is written into the security chip; the payment code seed is used to generate the payment code.

[0167] In the embodiments described in this specification, "terminal device" can refer to a device used by a user to configure and manage smart wearable devices. The terminal device can be a smartphone, tablet, or a personal terminal device with Bluetooth communication capabilities. In practical applications, a smart wearable device management application can be installed on the terminal device, allowing users to perform operations such as account binding, setting password-free limits, and monitoring the status of smart wearable devices.

[0168] In the embodiments of this specification, the payment code seed can refer to the root key used to generate the payment code. The payment code seed is usually a fixed-length random number (such as 128 bits or 256 bits), which can be generated by the payment server during the account binding process and transmitted to the smart wearable device through the terminal device.

[0169] Before using the payment function on a smart wearable device for the first time, an account can be pre-bound to bind the user's payment account to the smart wearable device. The specific account binding process may include: (1) Before account binding is completed, the smart wearable device can continuously broadcast via Bluetooth. The terminal device can scan and search for the Bluetooth broadcast of the smart wearable device through the smart wearable device management application, thereby establishing a Bluetooth connection between the terminal device and the smart wearable device. (2) The user can select the "Payment Binding" function in the smart wearable device management application, which can then redirect to the payment server's mini-program. After the user completes identity verification (such as login or face recognition) in the payment server's mini-program, the payment server can generate a payment code seed corresponding to the user's account and transmit the payment code seed to the smart wearable device via Bluetooth connection. (3) After the smart wearable device obtains the payment code seed, it can write the payment code seed into the security chip to complete the account binding.

[0170] In practical applications, considering that the elderly, children, and visually impaired individuals may not own or be able to use smartphones, family members can pre-bind accounts and have the smart wearable device worn by these individuals. This allows them to make electronic payments using the smart wearable device, greatly improving payment convenience.

[0171] Figure 7 This is a schematic flowchart illustrating a second payment method provided in one embodiment of this specification. From a hardware perspective, the entity executing this process can be a payment receiving device. From a program perspective, the entity executing this process can be a program installed on the payment receiving device. Figure 7 As shown, the process may include the following steps: Step 702: In response to the detection of an object entering the preset area, a detection signal with preset characteristics is emitted.

[0172] Step 704: Receive the characteristic response signal emitted by the smart wearable device in response to the detection signal.

[0173] Step 706: Switch the tag mode to the card reader mode and establish a near-field communication connection with the smart wearable device.

[0174] Step 708: Send the order information of the pending payment order to the smart wearable device based on the near-field communication connection.

[0175] Step 710: Receive the payment code transmitted by the smart wearable device, and use the payment code to complete the payment for the order to be paid.

[0176] In the embodiments described in this specification, the detection signal, the payment device, the smart wearable device, the feature response signal, the tag mode, the card reader mode, the near-field communication connection, the order to be paid, the order information, and the payment code can be connected to... Figure 2 The meanings of the terms mentioned in the embodiments of the Chinese method are consistent. Since the interaction process between the payment device and the smart wearable device has been described in detail above, it will not be repeated here.

[0177] In the embodiments of this specification, the preset area can refer to a predefined spatial range around the payment receiving device used to trigger the transmission of a detection signal. The preset area can be determined by the detection range of the optical detection element of the payment receiving device. For example, if the detection range of the optical detection element of the payment receiving device is a spatial range with a radius of 20 centimeters, then the spatial range of 0-20 centimeters from the sensing panel of the payment receiving device can be used as the preset area. Alternatively, the preset area can also be set based on the near-field communication range, or it can be set based on a combination of the near-field communication range and the detection range of the optical detection element; no specific limitation is made in this regard.

[0178] Figure 7 In this method, the payment device, upon detecting an object entering a preset area, emits a detection signal. After receiving a characteristic response signal from the smart wearable device in response to the detection signal, it switches from tag mode to reader mode and establishes a near-field communication connection with the smart wearable device. Based on this connection, it sends order information for the pending payment order to the smart wearable device. Upon receiving the payment code transmitted by the smart wearable device, the user can use the payment code to complete the payment for the pending order. In this embodiment, the payment device, in cooperation with the smart wearable device, completes the payment process. The user only needs to wear the smart wearable device and bring it close to the payment device to make an electronic payment. When a user forgets to bring their mobile phone or finds it inconvenient to take out their phone, they can use the smart wearable device to make a payment, significantly improving the convenience of payment.

[0179] based on Figure 7 In addition to the method described in the embodiments of this specification, some specific implementation schemes of the method are also provided, which will be described below.

[0180] Optional, Figure 7 The method, wherein the response to detecting an object entering a preset area, emits a detection signal with preset characteristics, may specifically include: After an object is detected entering a preset area by an optical detection element, if no near-field communication signal is detected within a preset time period, a detection signal with a specific timing is emitted.

[0181] In the embodiments of this specification, the optical detection element can refer to an optical sensor device in the payment device used to detect the approach of an object. Optical detection elements are characterized by low power consumption and fast response speed, making them suitable for scenarios requiring continuous monitoring of object proximity. Specifically, optical detection elements may include, but are not limited to: time-of-flight sensors (TOF sensors), photosensors, infrared ranging sensors, ultrasonic sensors, lidar, etc.

[0182] In practical applications, considering that objects entering the preset area may be user terminal devices (such as mobile phones), if the payment device immediately sends a detection signal after detecting an object entering the preset area, it may conflict with the mobile phone signal and interfere with normal payment. Therefore, after detecting an object entering the preset area, the payment device can wait for a preset time. If a standard near-field communication payment signal is detected during the waiting period, mobile payment is processed first; if no standard near-field communication payment signal is detected during the waiting period, then a detection signal is sent.

[0183] Optional, Figure 7 The method described above, specifically sending order information for pending payments to the smart wearable device based on the near-field communication connection, may include: The system interacts with the dual-interface tag chip of the smart wearable device via near-field communication in reader mode, and writes the order information of the order to be paid into the dual-interface tag chip; the order information includes the amount to be paid.

[0184] In the embodiments of this specification, the order information of an order to be paid may include the amount to be paid, as well as order number information, merchant identification information, merchant name information, transaction time information, product description information, payment time limit information, and other information.

[0185] In practical applications, after the payment device switches to reader mode, it can interact with the dual-interface tag chip of the smart wearable device via near-field communication (NFC). Specifically, the payment device can send a data write command (which may contain order information for the order to be paid) to the dual-interface tag chip of the smart wearable device through NFC. Upon receiving the data write command, the dual-interface tag chip can parse the order information data in the command and write it to its internal memory. After writing is complete, the dual-interface tag chip can send a successful data write response back to the payment device. After receiving the data write completion notification from the dual-interface tag chip, the MCU of the smart wearable device can communicate with the dual-interface tag chip via a contact interface (I2C, SPI, or UART). The MCU sends a data read command to the dual-interface tag chip to read the order information data stored in its memory. The MCU can then parse the amount to be paid from the read order information data.

[0186] Optional, Figure 7 The method described above, specifically receiving the payment code transmitted by the smart wearable device, may include: The payment code in the dual-interface tag chip of the smart wearable device is read via near-field communication; or... Receive the payment code sent by the smart wearable device via a Bluetooth connection established with the smart wearable device; or, The system receives Bluetooth broadcasts from the smart wearable device via Bluetooth scanning; the Bluetooth broadcasts carry the payment code and payment identification information; the payment identification information is information written by the receiving device to the dual-interface tag chip of the smart wearable device through the near-field communication connection; the payment identification information is used to uniquely identify the order to be paid.

[0187] In practical applications, for small-amount payment scenarios, the payment code determined by the smart wearable device can be transmitted via near-field communication. In this case, the receiving device can directly read the payment code in the dual-interface tag chip of the smart wearable device through near-field communication, without the need for user confirmation or Bluetooth involvement. The response speed is fast, enabling a convenient "tap to complete payment" payment experience.

[0188] In practical applications, for large-amount payment scenarios, the payment code determined by the smart wearable device can be transmitted via Bluetooth. In this case, the receiving device can receive the payment code sent by the smart wearable device through the established Bluetooth connection. During the process, the user can be prompted to confirm the payment to avoid accidental deductions, thus improving payment security. Furthermore, Bluetooth communication distance can reach several meters, allowing users to complete the payment confirmation process in a natural posture without needing to bring the smart wearable device close to the receiving device, enhancing the convenience of the confirmation process.

[0189] In practical applications, for large-value payment scenarios, the payment code determined by the smart wearable device can also be transmitted via Bluetooth broadcast. In this case, the receiving device can receive the Bluetooth broadcast emitted by the smart wearable device via Bluetooth scanning; this Bluetooth broadcast can carry the payment code and payment identification information. During the process, the user can be prompted to confirm the payment to avoid accidental deductions, thus improving payment security. Furthermore, the Bluetooth broadcast range can reach several meters, allowing users to complete the payment confirmation operation in a natural posture without needing to bring the smart wearable device close to the receiving device, improving the convenience of the confirmation process. In addition, using Bluetooth broadcast transmission eliminates the need to establish a Bluetooth connection, resulting in faster response times.

[0190] Figure 8 This is a schematic diagram of the structure of a first payment device provided in one embodiment of this specification; the device can be applied to smart wearable devices. Figure 8 As shown, the device may include: The external signal monitoring module 802 is used to monitor external signals through the field detection circuit in sleep mode; The response signal sending module 804 is used to wake up the main control module and control the field transmission circuit to send a characteristic response signal in response to the detection of a detection signal with preset characteristics emitted by the payment device; the characteristic response signal is used to identify the smart wearable device and trigger the payment device to switch from tag mode to card reader mode; The near-field communication connection module 806 is used to establish a near-field communication connection with the payment device that has switched to the card reader mode; The payment code transmission module 808 is used to obtain the order information of the order to be paid based on the near-field communication connection, and transmit the payment code to the payment receiving device to complete the payment for the order to be paid.

[0191] based on Figure 8 The embodiments of this specification also provide some specific implementations of the device, which will be described below.

[0192] Optionally, the device may further include: The signal detection module is used to listen to and obtain the detection signal using the field detection circuit; The judgment module is used to determine whether the interruption pattern of the detection signal conforms to a preset interruption pattern; The detection signal determination module is used to determine the detection signal as a detection signal with preset characteristics issued by the payment device if the judgment result indicates that the interruption pattern of the detection signal conforms to the preset interruption pattern.

[0193] Optionally, the feature response signal is a near-field communication signal with a specific timing sequence; the feature response signal includes feature identification information for identifying the smart wearable device.

[0194] Optionally, the payment code transmission module 808 may specifically include: The order information receiving submodule is used to receive the order information of the pending payment orders written by the payment device via near-field communication through the dual-interface tag chip; The payment code transmission method determination submodule is used to determine the payment code transmission method based on the order information. The payment code transmission submodule is used to transmit the payment code to the payment receiving device via the payment code transmission method.

[0195] Optionally, the order information may include information on the amount to be paid; correspondingly, the payment code transmission method determination submodule may specifically include: The judgment unit is used to determine whether the amount to be paid is greater than a preset threshold based on the information on the amount to be paid; The first determining unit is used to determine the payment code transmission method as Bluetooth connection transmission or Bluetooth broadcast transmission if the judgment result indicates that the amount to be paid is greater than a preset threshold. The second determining unit is used to determine the payment code transmission method as near-field communication transmission if the judgment result indicates that the amount to be paid is not greater than the preset threshold.

[0196] Optionally, the payment code transmission submodule may specifically include: The payment code generation unit is used to call the security chip to generate a payment code if the payment code transmission method is near-field communication transmission. A payment code writing unit is used to write the payment code into the dual-interface tag chip, so that the payment receiving device can read the payment code from the dual-interface tag chip via near-field communication.

[0197] Optionally, the payment code transmission submodule may specifically include: The Bluetooth broadcasting activation unit is used to activate Bluetooth broadcasting if the payment code transmission method is Bluetooth connection transmission, and provide Bluetooth information to the payment receiving device through the dual-interface tag chip so that the payment receiving device can establish a Bluetooth connection with the smart wearable device based on the Bluetooth information. The motor drive unit is used to drive the vibration motor to prompt the user to confirm payment after the Bluetooth connection is established; The payment code generation unit is used to generate a payment code by calling the security chip in response to the user's payment confirmation instruction; A payment code sending unit is used to send the payment code to the receiving device via the Bluetooth connection.

[0198] Optionally, the payment code transmission submodule may specifically include: The payment identification information receiving unit is used to receive payment identification information written by the payment receiving device through the dual-interface tag chip if the payment code transmission method is Bluetooth broadcast transmission; the payment identification information is used to uniquely identify the order to be paid. Motor drive unit, used to drive a vibration motor to prompt the user to confirm payment; The payment code generation unit is used to generate a payment code by calling the security chip in response to the user's payment confirmation instruction; A Bluetooth broadcast unit is used to broadcast via Bluetooth; the Bluetooth broadcast carries the payment code and the payment identifier information, so that the receiving device can obtain the payment code after receiving the Bluetooth broadcast with the payment identifier information.

[0199] Optionally, the method of obtaining the payment confirmation instruction may include at least one of the following: obtaining it via a button, obtaining it via capacitive touch, obtaining it via an accelerometer, and obtaining it via a gyroscope.

[0200] Optionally, the device may further include: Bluetooth connection establishment module, used to establish a Bluetooth connection with terminal devices; A payment code seed receiving module is used to receive a payment code seed sent by the terminal device via the Bluetooth connection; A payment code seed writing module is used to write the payment code seed into a security chip; the payment code seed is used to generate the payment code.

[0201] It is understood that the modules mentioned above refer to computer programs or program segments used to perform one or more specific functions. Furthermore, the distinction between these modules does not imply that the actual program code must also be separate.

[0202] The above is an illustrative scheme of the first payment device according to this embodiment. It should be noted that the technical solution of this payment device belongs to the same concept as the technical solution of the first payment method described above. For details not described in detail in the technical solution of this payment device, please refer to the description of the technical solution of the first payment method described above.

[0203] Figure 9 This is a schematic diagram of a second payment device provided in one embodiment of this specification; this device can be applied to a payment receiving device. Figure 9 As shown, the device may include: The detection signal transmitting module 902 is used to emit a detection signal with preset characteristics in response to the detection that an object has entered a preset area; The response signal receiving module 904 is used to receive a characteristic response signal emitted by the smart wearable device in response to the detection signal; The near-field communication connection module 906 is used to switch the tag mode to the card reader mode and establish a near-field communication connection with the smart wearable device. The order information sending module 908 is used to send order information of pending orders to the smart wearable device based on the near-field communication connection; The payment code receiving module 910 is used to receive the payment code transmitted by the smart wearable device and use the payment code to complete the payment for the order to be paid.

[0204] based on Figure 9 The embodiments of this specification also provide some specific implementations of the device, which will be described below.

[0205] Optionally, the detection signal transmitting module 902 may specifically include: The detection signal transmission submodule is used to send a detection signal with a specific timing if no near-field communication signal is detected within a preset time period after an object is detected entering a preset area by the optical detection element.

[0206] Optionally, the order information sending module 908 may specifically include: The order information sending submodule is used to perform near-field communication interaction with the dual-interface tag chip of the smart wearable device through a card reader mode, and write the order information of the order to be paid into the dual-interface tag chip; the order information includes the amount to be paid.

[0207] Optionally, the payment code receiving module 910 may specifically include: The first payment code receiving submodule is used to read the payment code in the dual-interface tag chip of the smart wearable device via near-field communication. The second payment code receiving submodule is used to receive the payment code sent by the smart wearable device through a Bluetooth connection established with the smart wearable device; The third payment code receiving submodule is used to receive Bluetooth broadcasts emitted by the smart wearable device via Bluetooth scanning; the Bluetooth broadcasts carry the payment code and payment identification information; the payment identification information is information written by the receiving device to the dual-interface tag chip of the smart wearable device through the near-field communication connection; the payment identification information is used to uniquely identify the order to be paid.

[0208] It is understood that the modules mentioned above refer to computer programs or program segments used to perform one or more specific functions. Furthermore, the distinction between these modules does not imply that the actual program code must also be separate.

[0209] The above is an illustrative scheme of the second payment device in this embodiment. It should be noted that the technical solution of this payment device belongs to the same concept as the technical solution of the second payment method described above. For details not described in detail in the technical solution of this payment device, please refer to the description of the technical solution of the second payment method described above.

[0210] Based on the same idea, this specification also provides devices corresponding to the above methods in its embodiments.

[0211] Figure 10 This is a structural block diagram of a computing device provided in one embodiment of this specification. Figure 10 As shown, the computing device 1000 may include: Memory 1010 and processor 1020; The memory 1010 is used to store computer programs / instructions, and the processor 1020 is used to execute the computer programs / instructions. When the computer programs / instructions are executed by the processor 1020, they implement the steps of the first payment method or the second payment method described above.

[0212] Specifically, the components of the computing device 1000 include, but are not limited to, a memory 1010 and a processor 1020. The processor 1020 is connected to the memory 1010 via a bus 1030, and the database 1050 is used to store data.

[0213] The computing device 1000 also includes an access device 1040, which enables the computing device 1000 to communicate via one or more networks 1060. Examples of these networks include Public Switched Telephone Network (PSTN), Local Area Network (LAN), Wide Area Network (WAN), Personal Area Network (PAN), or combinations of communication networks such as the Internet. The access device 1040 may include one or more of any type of wired or wireless network interface (e.g., a network interface card (NIC)), such as an IEEE 802.11 Wireless Local Area Network (WLAN) wireless interface, a Wi-MAX (Worldwide Interoperability for Microwave Access) interface, an Ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a Bluetooth interface, a Near Field Communication (NFC) interface, and so on.

[0214] In one embodiment of this specification, the above-described components of the computing device 1000 and Figure 10 Other components, not shown, can also be connected to each other, for example, via a bus. It should be understood that... Figure 10 The block diagram of the computing device shown is for illustrative purposes only and is not intended to limit the scope of this application. Those skilled in the art can add or replace other components as needed.

[0215] The computing device 1000 can be any type of stationary or mobile computing device, including mobile computers or mobile computing devices (e.g., tablet computers, personal digital assistants, laptop computers, notebook computers, netbooks, etc.), mobile phones (e.g., smartphones), wearable computing devices (e.g., smartwatches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or personal computers (PCs). The computing device 1000 can also be a mobile or stationary server.

[0216] When the processor 1020 executes the computer instructions, it implements the steps of the first payment method or the second payment method described above.

[0217] The above is an illustrative scheme of a computing device according to this embodiment. It should be noted that the technical solution of this computing device belongs to the same concept as the technical solution of the first payment method or the second payment method described above. For details not described in detail in the technical solution of the computing device, please refer to the description of the technical solution of the first payment method or the second payment method described above.

[0218] 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 its differences from other embodiments. In particular, for... Figure 10 As the device shown is basically similar to the corresponding method embodiment, the description is relatively simple, and relevant parts can be found in the description of the method embodiment.

[0219] 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. 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.

[0220] 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.

[0221] 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.

[0222] 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.

[0223] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied 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.

[0224] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. 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.

[0225] 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.

[0226] 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.

[0227] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0228] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0229] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information by any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0230] 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.

[0231] 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.

[0232] The above description is merely an embodiment of this specification and is not intended to limit this specification. Various modifications and variations can be made to this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this specification should be included within the scope of the claims of this specification.

Claims

1. A payment method applied to a smart wearable device, the method comprising: In sleep mode, external signals are monitored through the field detection circuit. In response to the detection of a detection signal with preset characteristics emitted by the payment device, the main control module is woken up and the field circuit is controlled to emit a characteristic response signal; The feature response signal is used to identify the smart wearable device and trigger the payment device to switch from tag mode to card reader mode; Establish a near-field communication connection with the payment device that has switched to the card reader mode; The order information of the order to be paid is obtained based on the near-field communication connection, and the payment code is transmitted to the payment receiving device to complete the payment for the order to be paid.

2. The method as described in claim 1, further comprising, before waking up the main control module and controlling the field circuit to send a characteristic response signal in response to detecting a detection signal with preset characteristics emitted by the payment receiving device, the method includes: The detection signal is obtained by listening to the field detection circuit described above; Determine whether the interruption pattern of the detection signal conforms to a preset interruption pattern; If the judgment result indicates that the interruption pattern of the detection signal conforms to the preset interruption pattern, then the detection signal is determined to be a detection signal with preset characteristics issued by the payment receiving device.

3. The method as described in claim 1, wherein the feature response signal is a near-field communication signal with a specific timing sequence; the feature response signal includes feature identification information for identifying the smart wearable device.

4. The method as described in claim 1, wherein obtaining order information of the order to be paid based on the near-field communication connection and transmitting the payment code to the payment receiving device comprises: The dual-interface tag chip receives order information of pending orders written by the payment device via near-field communication. The payment code transmission method is determined based on the order information; The payment code is transmitted to the payment receiving device via the payment code transmission method.

5. The method as described in claim 4, wherein the order information includes information on the amount to be paid; The step of determining the payment code transmission method based on the order information includes: Based on the information on the amount to be paid, determine whether the amount to be paid is greater than a preset threshold; If the judgment result indicates that the amount to be paid is greater than the preset threshold, then the payment code transmission method is determined to be Bluetooth connection transmission or Bluetooth broadcast transmission. If the judgment result indicates that the amount to be paid is not greater than the preset threshold, then the payment code transmission method is determined to be near-field communication transmission.

6. The method of claim 5, wherein transmitting the payment code to the payment receiving device via the payment code transmission method comprises: If the payment code transmission method is near-field communication transmission, then the security chip is invoked to generate the payment code; The payment code is written into the dual-interface tag chip so that the payment receiving device can read the payment code from the dual-interface tag chip via near-field communication.

7. The method of claim 5, wherein transmitting the payment code to the payment receiving device via the payment code transmission method comprises: If the payment code is transmitted via Bluetooth, then Bluetooth broadcasting is enabled, and Bluetooth information is provided to the payment device through the dual-interface tag chip, so that the payment device can establish a Bluetooth connection with the smart wearable device based on the Bluetooth information. Once the Bluetooth connection is established, the vibration motor will prompt the user to confirm the payment. In response to the user's payment confirmation instruction, the security chip is invoked to generate a payment code; The payment code is sent to the receiving device via the Bluetooth connection.

8. The method of claim 5, wherein transmitting the payment code to the payment receiving device via the payment code transmission method comprises: If the payment code is transmitted via Bluetooth broadcast, the payment identifier information written by the payment receiving device is received through the dual-interface tag chip. The payment identification information is used to uniquely identify the order to be paid; The vibration motor prompts the user to confirm payment; In response to the user's payment confirmation instruction, the security chip is invoked to generate a payment code; A Bluetooth broadcast is performed; the Bluetooth broadcast carries the payment code and the payment identifier information, so that the receiving device can obtain the payment code after receiving the Bluetooth broadcast with the payment identifier information.

9. The method as described in claim 7 or 8, wherein the method for obtaining the payment confirmation instruction includes: Acquired through at least one of the following methods: button input, capacitive touch input, accelerometer input, and gyroscope input.

10. The method of claim 1, further comprising: Establish a Bluetooth connection with the terminal device; Receive the payment code seed sent by the terminal device via the Bluetooth connection; Write the payment code seed into the security chip; The payment code seed is used to generate the payment code.

11. A payment method applied to a payment receiving device, the method comprising: In response to the detection of an object entering a preset area, a detection signal with preset characteristics is emitted; Receive a characteristic response signal emitted by a smart wearable device in response to the detection signal; Switch the tag mode to the card reader mode and establish a near-field communication connection with the smart wearable device; Based on the near-field communication connection, order information for orders awaiting payment is sent to the smart wearable device; Receive the payment code transmitted by the smart wearable device, and use the payment code to complete the payment for the order to be paid.

12. The method of claim 11, wherein emitting a detection signal with preset characteristics in response to detecting an object entering a preset area comprises: After an object is detected entering a preset area by an optical detection element, if no near-field communication signal is detected within a preset time period, a detection signal with a specific timing is emitted.

13. The method of claim 11, wherein sending order information of an order to be paid to the smart wearable device based on the near-field communication connection includes: The order information of the order to be paid is written into the dual-interface tag chip of the smart wearable device through near-field communication interaction in card reader mode. The order information includes the amount to be paid.

14. The method of claim 11, wherein receiving the payment code transmitted by the smart wearable device comprises: The payment code in the dual-interface tag chip of the smart wearable device is read via near-field communication. or, Receive the payment code sent by the smart wearable device via a Bluetooth connection established with the smart wearable device; or, The system receives Bluetooth broadcasts from the smart wearable device via Bluetooth scanning; the Bluetooth broadcasts carry the payment code and payment identification information; the payment identification information is information written by the receiving device to the dual-interface tag chip of the smart wearable device through the near-field communication connection; the payment identification information is used to uniquely identify the order to be paid.

15. A payment device applied to a smart wearable device, the device comprising: An external signal monitoring module is used to monitor external signals through a field detection circuit while in sleep mode. The response signal sending module is used to wake up the main control module and control the field circuit to send out the characteristic response signal in response to the detection of a detection signal with preset characteristics emitted by the payment device; The feature response signal is used to identify the smart wearable device and trigger the payment device to switch from tag mode to card reader mode; A near-field communication connection module is used to establish a near-field communication connection with the payment device that has switched to the card reader mode; The payment code transmission module is used to obtain the order information of the order to be paid based on the near-field communication connection, and transmit the payment code to the payment receiving device to complete the payment for the order to be paid.

16. A payment device applied to a payment receiving device, the device comprising: The detection signal transmitting module is used to emit a detection signal with preset characteristics in response to the detection that an object has entered a preset area; A response signal receiving module is used to receive a characteristic response signal emitted by a smart wearable device in response to the detection signal; The near-field communication connection module is used to switch the tag mode to the card reader mode and establish a near-field communication connection with the smart wearable device; The order information sending module is used to send order information of pending orders to the smart wearable device based on the near-field communication connection; The payment code receiving module is used to receive the payment code transmitted by the smart wearable device and use the payment code to complete the payment for the order to be paid.

17. A computing 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 to enable the at least one processor to implement the payment method according to any one of claims 1 to 10, or to implement the payment method according to any one of claims 11 to 14.

18. A computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the payment method according to any one of claims 1 to 10, or implement the payment method according to any one of claims 11 to 14.

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