Payment methods, payment devices, back-end servers, computer storage media, and computer software products

Abstract

This invention provides a payment method, comprising: receiving location information from a terminal device, wherein the terminal device corresponds to a payment object; receiving video data from a scene; and determining one or more payment objects based on the location information and the video data for targeted payment / receipt. This invention also provides a payment device, a backend server, a computer storage medium, and a computer program product.

Description

Payment method, payment device, backend server, computer storage medium, and computer program product The present invention relates to a payment method and device, a backend server, a computer storage medium, a computer storage medium, and a computer program product. At present, offline mobile payment is mainly based on scanning code payment. During the payment process, the main scanner needs to open the camera to scan, and the scanned party needs to display the QR code. The interaction distance of this process is generally within one meter, and scanning and displaying the code will take up a certain amount of time for the user. Its convenience can be further improved. Furthermore, near-field payment methods require the payment device and the payment device to be close together, which limits the payment distance. Furthermore, existing near-field payment methods cannot specify the recipient or payment recipient, which can lead to unclear directions when multiple users are within a certain range. The information disclosed in the background of the invention above is only intended to increase understanding of the overall background of the invention and should not be regarded as an admission or any form of suggestion that the information constitutes the prior art already known to those skilled in the art. According to one aspect of the present invention, a payment method is provided, suitable for execution by a payment device, and comprising: the payment device receiving positioning information of a terminal device, wherein the terminal device corresponds to a payment object; the payment device receiving video data of a scene; and the payment device determining one or more payment objects based on the positioning information and the video data, so as to perform targeted payment and collection. As a supplement or alternative to the above solution, the above payment method also includes: the payment device pre-constructs a digital space model of the scene. As a supplement or alternative to the above-mentioned scheme, in the above-mentioned payment method, in the step in which the payment device determines the payment object or the payment objects based on the positioning information and the video data in order to carry out targeted payment and collection, it also includes: the payment device marks the payment object in the digital space model based on the positioning information so as to initiate targeted payment and collection to the payment object; and the payment device merges the video data with the marked payment object. As a supplement or replacement for the above solution, in the above payment method, the terminal device is a mobile phone or a vehicle-mounted terminal. As a supplement or alternative to the above solution, in the above payment method, the site is a gas station, a parking lot, or a charging station. As a supplement or alternative to the above solution, the above payment method also includes: the payment device receives a target payment object selected by the user from the payment object or the payment objects; and the payment device pushes a bill to the target payment object. According to another aspect of the present invention, a payment device is provided, comprising: a first receiving device for receiving positioning information of a terminal device, wherein the terminal device corresponds to a payment object; a second receiving device for receiving video data of a scene; and a determination device for determining one or more payment objects based on the positioning information and the video data, so as to perform targeted payment and collection. As a supplement or replacement for the above solution, the above payment device also includes: a construction device for pre-constructing a digital space model of the scene. As a supplement or alternative to the above-mentioned solution, in the above-mentioned payment device, the determination device includes: a marking unit for marking the payment object in the digital space model based on the positioning information, so as to initiate targeted payment to the payment object; and a fusion unit for fusing the video data with the marked payment object. As a supplement or replacement for the above solution, in the above payment device, the terminal device is a mobile phone or a vehicle-mounted terminal. As a supplement or alternative to the above solution, in the above payment device, the site is a gas station, a parking lot, or a charging station. As a supplement or alternative to the above-mentioned solution, the above-mentioned payment device also includes: a third receiving device for receiving a target payment object selected by the user from the payment object or the payment objects; and a pushing device for pushing a bill to the target payment object. According to another aspect of the present invention, a backend server is provided for communicating with a POS terminal and comprising: a first receiving device for receiving positioning information of a terminal device, wherein the terminal device corresponds to a payment object; a second receiving device for receiving video data of a site; and a determination device for determining one or more payment objects based on the positioning information and the video data for targeted payment and collection, wherein the POS terminal includes an interactive interface for displaying the determined one or more payment objects to a user. As a supplement or replacement for the above-mentioned solution, the above-mentioned background server also includes: a third receiving device for receiving a target payment object selected by the user from the payment object or the payment objects through the interactive interface; and a pushing device for pushing a bill to the target payment object. According to another aspect of the present invention, a computer storage medium is provided, comprising at least one instruction, which executes the payment method described above when executed. According to another aspect of the present invention, a computer program product is provided, comprising at least one computer program, wherein the at least one computer program implements the payment method as described above when executed by a processor. The payment solution of one or more embodiments of the present invention receives the location information of the terminal device and the video footage of the scene, and based on the location information and the video footage, determines one or more payment recipients for targeted payment. This not only overcomes the payment distance limitation, but also overcomes the problem of unclear directionality that occurs with existing near-field payment methods when multiple users are within a certain range. The payment solution of one or more embodiments of the present invention receives a user's selection of a target payment recipient from one or more payment recipients via an interactive interface and pushes a bill to the target payment recipient. This eliminates the need for consumers to physically visit a payment device or code sign, making the entire payment process more convenient. For merchants, cashiers can use a video to see the recipients (payers, payment vehicles, etc.) from whom targeted payments can be made and select the payment recipient through a visual interface to complete the payment process, eliminating distance and regional restrictions and enhancing the user experience for payments. Other features and advantages of the methods and apparatus of the present invention will become more particularly apparent or elucidated through the accompanying drawings incorporated herein and the following detailed description which, together with the drawings, serve to illustrate certain principles of the present invention. The following description describes specific embodiments of the present invention to teach those skilled in the art how to make and use the best mode of the present invention. In order to teach the principles of the invention, some conventional aspects have been simplified or omitted. Those skilled in the art will understand that variations derived from these embodiments will fall within the scope of the present invention. Those skilled in the art will understand that the following features can be combined in various ways to form multiple variations of the present invention. Thus, the present invention is not limited to the following specific embodiments, but is limited only by the claims and their equivalents. It should also be noted that, for ease of description, only the part relevant to the present invention, rather than all of the content, is shown in the accompanying drawings. Before discussing exemplary embodiments in more detail, it should be mentioned that some exemplary embodiments are described as processing or methods depicted as flow charts. Although flow charts describe various operations (or steps) as sequential processing, many operations therein can be implemented in parallel, concurrently or simultaneously. In addition, the order of various operations can be rearranged. When its operation is completed, the processing can be terminated, but can also have additional steps not included in the accompanying drawings. The processing can correspond to methods, functions, procedures, subroutines, subroutines, etc. Although the exemplary embodiments are described as using multiple units to perform the exemplary processes, it should be understood that the exemplary processes may also be performed by one or more modules. Furthermore, the control logic of the present invention may be embodied as executable program instructions on a computer-readable medium, which may be executed by a processor or the like. Examples of computer-readable media include, but are not limited to, ROM, RAM, optical disks, magnetic tapes, floppy disks, USB drives, smart cards, and optical data storage devices. The computer-readable recording medium may also be distributed among computer systems connected to a network, allowing the computer-readable medium to be stored and executed in a distributed manner. FIG1 shows a payment method 1000 according to an embodiment of the present invention. As shown in FIG1 , the payment method 1000 includes the following steps: In step S110 , receiving positioning information of a terminal device, wherein the terminal device corresponds to a payment object; In step S120 , a video data of a scene is received; and In step S130, one or more payment recipients are determined based on the location information and the video data to perform targeted payment. In the context of the present invention, the term "terminal device" refers to any hardware device that corresponds to a payment object, that is, there is a corresponding relationship between the terminal device and the payment object. In one embodiment, the terminal device can uniquely identify the payment object. For example, the terminal device is a user's wireless communication device, such as a mobile phone. Because the mobile phone number uniquely corresponds to the user's identity information, the payment object can be uniquely identified. For another example, the terminal device is an in-vehicle terminal that is identified by the vehicle ID and can therefore also uniquely identify the payment object. In step S110, the positioning information of the terminal device is received. For example, the positioning information of the terminal device can be received from one or more base stations around a site. The positioning information can be a latitude and longitude coordinate. Taking mobile phone positioning as an example, in one embodiment, the distance between the mobile phone and multiple base stations is measured to determine the location of the mobile phone. This embodiment does not require the mobile phone to have GPS positioning capabilities, but the accuracy depends to a large extent on the distribution of base stations and the size of the coverage area. In another embodiment, a GPS positioning module on the mobile phone is used to send its own position signal to the positioning background to realize mobile phone positioning. In step S120, the video data of the scene is received. Here, the term "scene" refers to the current payment scene, which can be a gas station, a charging station, or a parking lot. "Video data" represents environmental information of the scene, which can be collected in real time using pre-installed cameras or other monitoring equipment. It should be noted that "video data" here also includes image data, and the formats of this image data include but are not limited to: JPEG, JPEG2000, BMP, etc. In step S130, based on the location information and the video data, the payment recipient or recipients are determined for targeted payment or collection. Here, a "payment recipient" can be a payee, a paying vehicle, etc. The term "targeted payment or collection" refers to payments to or from a specific counterparty's account. In the context of the present invention, since the "target payment object" can be selected by the user from one or more payment objects (ie, the transaction counterparty has been determined), payment or collection can be initiated to the target payment object. Although not shown in FIG. 1 , the payment method 1000 may further include pre-building a digital space model of the site. In one embodiment, the digital space model is a model established based on the film data and the three-dimensional map of the site (optional), and belongs to a set of space models with three-dimensional space coordinates. The coordinate information of the hardware equipment in the digital space model has a mapping relationship with the position information of the hardware equipment in the target building in reality. Through the coordinate information of the target monitoring device contained in the digital space model, the installation angle of the monitoring device and the visual range of the monitoring device (which can be the angle range of the camera shooting), the coordinate information of the target monitoring area in the digital space model can be determined, that is, the coordinate range of the target monitoring area is determined. After determining the coordinate range of the target monitoring area, the coordinate information of the smart device can be searched in the digital space model. The coordinate information of the smart device corresponds to the coordinate position of the smart device in the digital space model. When the coordinate position of the smart device is within the coordinate range of the target monitoring area, the smart device is determined to be the target smart device. In one embodiment, step S130 includes: marking the payment object in the digital space model based on the positioning information so as to initiate a targeted payment to the payment object; and fusing the video data with the marked payment object. Taking a gas station as an example, when a car enters the station, a vehicle detection algorithm is used based on surveillance video to detect the target vehicle. Understandably, this video data is significantly affected by external environmental conditions (e.g., sunlight, license plate obstruction, etc.). Therefore, in this embodiment, the payment object is first marked in the digital spatial model based on the positioning information. The video data is then fused with the marked payment object (i.e., the fusion of the video data and the positioning information) to achieve a more accurate determination of the payment object. Although not shown in FIG. 1 , the payment method 1000 may further include: receiving a target payment object selected by the user from the payment object or the payment objects; and pushing a bill to the target payment object. Using the gas station as an example, the payment screen displays the available vehicles (i.e., payment recipients) for payment. After a car is refueled, the cashier selects the vehicle and sends the bill to it. Finally, the driver confirms and pays on the central control screen. Furthermore, those skilled in the art will readily appreciate that the payment method 1000 provided in one or more of the above-described embodiments of the present invention can be implemented via a computer program. For example, the computer program can be included in a computer program product, which, when executed by a processor, implements the payment method 1000 according to one or more embodiments of the present invention. For another example, when a computer storage medium (e.g., a flash drive) storing the computer program is connected to a computer, executing the computer program can execute the payment method 1000 according to one or more embodiments of the present invention. 2 , which shows a schematic diagram of the structure of a payment device 2000 according to an embodiment of the present invention, as shown in FIG2 , the payment device 2000 includes a first receiving device 210 , a second receiving device 220 , and a determining device 230 . In Figure 2, the first receiving device 210 is used to receive positioning information of a terminal device, where the terminal device corresponds to a payment object; the second receiving device 220 is used to receive video data of a scene; the determination device 230 is used to determine one or more payment objects based on the positioning information and the video data, so as to carry out targeted payment and collection. In the context of the present invention, the term "terminal device" refers to any hardware device that corresponds to a payment object, that is, there is a corresponding relationship between the terminal device and the payment object. In one embodiment, the terminal device can uniquely identify the payment object. For example, the terminal device is a user's wireless communication device, such as a mobile phone. Because the mobile phone number uniquely corresponds to the user's identity information, the payment object can be uniquely identified. For another example, the terminal device is an in-vehicle terminal, which is identified by the vehicle ID and can therefore also uniquely identify the payment object. The first receiving device 210 is configured to receive the positioning information of the terminal device. For example, the first receiving device 210 can be configured to receive the positioning information of the terminal device from one or more base stations around a site. The positioning information can be, for example, a latitude and longitude coordinate. In one embodiment, the first receiving device 210 uses multiple base stations to measure the distance to the terminal device (e.g., a mobile phone) to determine the location of the terminal device. For example, the first receiving device 210 uses a first base station to measure the distance to the terminal device, obtaining a first distance. The first receiving device 210 then uses a second base station to measure the distance to the terminal device, obtaining a second distance. The first receiving device 210 also uses a third base station to measure the distance to the terminal device, obtaining a third distance. By combining the first distance, the second distance, and the third distance, the location of the terminal device can be determined relatively accurately. In another embodiment, a GPS positioning module on the mobile phone is used to send its own position signal to the positioning background to realize the positioning of the mobile phone. The second receiving device 220 is configured to receive the video data of the on-site scene. Here, the term "on-site" refers to the current payment scenario, which can be a gas station, a charging station, or a parking lot. "Video data" represents environmental information about the on-site scene, which can be captured in real time using pre-installed cameras or other monitoring equipment. It should be noted that "video data" here also includes image data, and the formats of such image data include, but are not limited to, JPEG, JPEG2000, BMP, etc. The determining device 230 is configured to determine the payment recipient or recipients based on the location information and the video data, so as to facilitate targeted payment or collection. Here, a "payment recipient" may be a payee, a paying vehicle, etc. The term "targeted payment or collection" refers to receiving or paying money from / to a specific counterparty's account. In the context of the present invention, since the "target payment object" can be selected by the user from one or more payment objects (ie, the transaction counterparty has been determined), payment or collection can be initiated to the target payment object. Although not shown in FIG. 2 , the payment device 2000 may further include: a construction device for pre-constructing a digital space model of the site. In one embodiment, the digital space model is a model established based on the film data and the three-dimensional map of the site (optional), and belongs to a set of space models with three-dimensional space coordinates. The coordinate information of the hardware equipment in the digital space model has a mapping relationship with the position information of the hardware equipment in the target building in reality. Through the coordinate information of the target monitoring device contained in the digital space model, the installation angle of the monitoring device and the visual range of the monitoring device (which can be the angle range of the camera shooting), the coordinate information of the target monitoring area in the digital space model can be determined, that is, the coordinate range of the target monitoring area is determined. After determining the coordinate range of the target monitoring area, the coordinate information of the smart device can be searched in the digital space model. The coordinate information of the smart device corresponds to the coordinate position of the smart device in the digital space model. When the coordinate position of the smart device is within the coordinate range of the target monitoring area, the smart device is determined to be the target smart device. In one embodiment, the determination device 230 includes: a marking unit for marking the payment object in the digital space model based on the positioning information so as to initiate targeted payment to it; and a fusion unit for fusing the video data with the marked payment object. Taking a gas station as an example, when a car enters the station, a vehicle detection algorithm is used based on surveillance video to detect the target vehicle. Understandably, this video data is significantly affected by external environmental conditions (e.g., sunlight, license plate obstruction, etc.). Therefore, in this embodiment, the marking unit first marks the payment object in the digital space model based on the positioning information. The fusion unit then fuses the video data with the marked payment object (i.e., using the fusion of the video data and the positioning information), resulting in a more accurate determination of the payment object. In one embodiment, although not shown in FIG2 , the payment device 2000 may further include: a third receiving device for receiving a target payment object selected by the user from the payment object or the payment objects; and a pushing device for pushing a bill to the target payment object. Taking the gas station as an example, after refueling, the system generates a detailed bill, including the pump number, fuel grade, license plate information, and owner information. Based on the owner's membership information, credit rating, and participating sales promotion rules, the system calculates the discount amount and the current payable amount. The push device then pushes the entire bill and payable information to the target payment recipient's app, allowing the owner to reconcile their account. The owner then confirms the bill with a single click through the app, agreeing to have the system deduct the order amount. As an optional embodiment, if the car owner has a good credit rating, the system can automatically identify the car owner as an owner exempt from the confirmation process, automatically exempt the car owner from the confirmation step, and automatically execute the next step of the deduction process. After the driver confirms their bill with one click, or if the system identifies them as exempt from confirmation, the system initiates a deduction based on the driver's previously signed deduction agreement with the third-party payment gateway. After the deduction is complete, the deduction results, bill, and electronic invoice are sent to the driver's app. This information can also be sent to the gas station POS system as needed. During the entire refueling process, the smart cameras in the refueling area will record the entire process and upload it to the cloud system for evidence in real time. Turning to Figure 3, which is a schematic diagram illustrating the structure of a backend server 3000 according to one embodiment of the present invention. As shown in Figure 3, the backend server 3000 communicates with a POS terminal 4000. The backend server 3000 includes a first receiving device 310, a second receiving device 320, and a determination device 330. In Figure 3, the first receiving device 310 is used to receive location information from a terminal device, where the terminal device corresponds to a payment recipient; the second receiving device 320 is used to receive video footage of a site; and the determination device 330 is used to determine one or more payment recipients based on the location information and the video footage for targeted payment. The POS terminal 4000 includes an interactive interface (not shown) for displaying the determined one or more payment recipients to the user. In the context of the present invention, the term "terminal device" refers to any hardware device that corresponds to a payment object, that is, there is a corresponding relationship between the terminal device and the payment object. In one embodiment, the terminal device can uniquely identify the payment object. For example, the terminal device is a user's wireless communication device, such as a mobile phone. Because the mobile phone number uniquely corresponds to the user's identity information, the payment object can be uniquely identified. For another example, the terminal device is an in-vehicle terminal, which is identified by the vehicle ID and can therefore also uniquely identify the payment object. The first receiving device 310 is configured to receive the positioning information of the terminal device. For example, the first receiving device 310 can be configured to receive the positioning information of the terminal device from one or more base stations around a site. The positioning information can be, for example, a latitude and longitude coordinate. In one embodiment, the first receiving device 310 uses multiple base stations to measure the distance to the terminal device (e.g., a mobile phone) to determine the location of the terminal device. For example, the first receiving device 310 uses a first base station to measure the distance to the terminal device, obtaining a first distance. The first receiving device 310 then uses a second base station to measure the distance to the terminal device, obtaining a second distance. The first receiving device 310 also uses a third base station to measure the distance to the terminal device, obtaining a third distance. By combining the first distance, the second distance, and the third distance, the location of the terminal device can be determined more accurately. In another embodiment, a GPS positioning module on the mobile phone is used to send its own position signal to the positioning background to realize the positioning of the mobile phone. The second receiving device 320 is configured to receive the video data of the scene. Here, the term "scene" refers to the current payment scene, which can be a gas station, a charging station, or a parking lot. "Video data" represents environmental information of the scene, which can be collected in real time using pre-installed cameras or other monitoring equipment. It should be noted that "video data" here also includes image data, and the formats of this image data include but are not limited to: JPEG, JPEG2000, BMP, etc. The determining device 330 is configured to determine the payment recipient or recipients based on the location information and the video data, so as to facilitate targeted payment or collection. Here, a "payment recipient" may be a payee, a paying vehicle, etc. The term "targeted payment or collection" refers to receiving or paying money from / to a specific counterparty's account. In the context of the present invention, since the "target payment object" can be selected by the user from one or more payment objects (ie, the transaction counterparty has been determined), payment or collection can be initiated to the target payment object. Although not shown in FIG. 3 , the backend server 3000 may further include: a construction device for pre-constructing a digital space model of the scene. In one embodiment, the digital space model is a model established based on the film data and the three-dimensional map of the site (optional), and belongs to a set of space models with three-dimensional space coordinates. The coordinate information of the hardware equipment in the digital space model has a mapping relationship with the position information of the hardware equipment in the target building in reality. Through the coordinate information of the target monitoring device contained in the digital space model, the installation angle of the monitoring device and the visual range of the monitoring device (which can be the angle range of the camera shooting), the coordinate information of the target monitoring area in the digital space model can be determined, that is, the coordinate range of the target monitoring area is determined. After determining the coordinate range of the target monitoring area, the coordinate information of the smart device can be searched in the digital space model. The coordinate information of the smart device corresponds to the coordinate position of the smart device in the digital space model. When the coordinate position of the smart device is within the coordinate range of the target monitoring area, the smart device is determined to be the target smart device. In one embodiment, the determination device 330 includes: a marking unit for marking the payment object in the digital space model based on the positioning information so as to initiate targeted payment to it; and a fusion unit for fusing the video data with the marked payment object. Taking a charging station as an example, when a car enters the charging station, a vehicle detection algorithm is used based on surveillance video to detect the target vehicle. Understandably, this video data is significantly affected by external environmental conditions (e.g., sunlight, license plate obstruction, etc.). Therefore, in this embodiment, the marking unit first marks the payment object in the digital space model based on the positioning information. The fusion unit then fuses the video data with the marked payment object (i.e., using the fusion of the video data and the positioning information), resulting in a more accurate determination of the payment object. In one embodiment, although not shown in Figure 3, the backend server 3000 may also include: a third receiving device for receiving a target payment object selected by the user from the payment object or the payment objects via the interactive interface; and a pushing device for pushing a bill to the target payment object. Taking the charging station as an example, after charging is completed, the system generates a detailed bill, including the charging gun number, license plate information, and owner information. Based on the owner's membership information, credit rating, and participating sales promotion rules, the system calculates the discount amount and the current amount due. The push device then pushes the entire bill and payable information to the target payment recipient's app, allowing the owner to reconcile their account. The owner then confirms the bill with a single click through the app, agreeing to have the system deduct the order amount. As an optional embodiment, if the car owner has a good credit rating, the system can automatically identify the car owner as an owner exempt from the confirmation process, automatically exempt the car owner from the confirmation step, and automatically execute the next step of the deduction process. After the driver confirms the bill with one click, or if the system identifies the driver as exempt from confirmation, the system initiates a debit to the driver's third-party payment gateway system based on the driver's previously bound debit agreement. After the debit is complete, the debit result, bill, and electronic invoice are sent to the driver's app. This information can also be sent to a POS terminal 4000 as needed. During the entire charging process, the smart camera in the charging area will record the entire process and upload it to the cloud system for evidence in real time. In summary, the payment solution of one or more embodiments of the present invention receives location information from a terminal device and video footage of a site, and based on this location information and video footage, determines one or more payment recipients for targeted payment. This overcomes not only the payment distance limitation but also the issue of unclear targeting that can occur with existing near-field payment methods when multiple users are within a certain range. The payment solution of one or more embodiments of the present invention receives a user's selection of a target payment recipient from one or more payment recipients via an interactive interface and pushes a bill to the target payment recipient. This eliminates the need for consumers to physically visit a payment device or code sign, making the entire payment process more convenient. For merchants, cashiers can use a video to see the recipients (payers, payment vehicles, etc.) from whom targeted payments can be made. They can then select the payment recipient through a visual interface to complete the payment process, eliminating any distance or geographic location restrictions and enhancing the user experience for payments. Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, apparatus, or computer program products. Thus, the present invention may take the form of hardware, software, or a combination of hardware and software. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage and optical storage) containing computer-usable program code. The present invention is described with reference to flowcharts and / or block diagrams of methods, apparatus (platform systems), and computer program products according to embodiments of the invention. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable processing device to generate a sequence of instructions for performing specified operations. The above examples mainly illustrate various embodiments of the technical solutions of the present invention in the scenarios of gas stations and charging stations. Those skilled in the art should understand that the present invention can be implemented in many other forms without departing from its subject matter and scope, and applied in different scenarios, such as parking lots, office buildings, etc. Therefore, the examples and implementation methods shown are regarded as illustrative rather than restrictive, and the present invention may cover various modifications and substitutions without departing from the spirit and scope of the present invention as defined in the appended claims. 200: Payment device 210, 310: First receiving device 220, 320: Second receiving device 230, 330: Determining device 300: Backend server 1000: Payment method 4000: POS terminal S110~S130: Steps Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a flow chart of a payment method according to an embodiment of the present invention; Figure 2 is a structural diagram of a payment device according to an embodiment of the present invention; and Figure 3 is a structural diagram of a backend server according to an embodiment of the present invention. S110~S130: Steps

Claims

1. A payment method suitable for execution via a payment device, comprising: The payment device receives location information from a terminal device, wherein the terminal device corresponds to a payment object; the payment device receives video data from a scene; and the payment device, based on the location information and the video data, determines one or more payment objects, receives a target payment object selected by the user from the payment object or such payment objects via an interactive interface, and pushes a bill to the target payment object for targeted payment. The method further includes: the payment device pre-constructs a digital spatial model of the scene, which is a spatial model with three-dimensional spatial coordinates, established based on the video data and a three-dimensional map of the scene; wherein, in the step of the payment device determining the payment object or such payment objects based on the location information and the video data for targeted payment, the method further includes: the payment device marking the payment object in the digital spatial model based on the location information to initiate targeted payment to the payment object; and the payment device merging the video data with the marked payment object.

2. The payment method as described in claim 1, wherein, The terminal device can be a mobile phone or a vehicle-mounted terminal.

3. The payment method as described in claim 1, wherein, The site is a gas station, a parking lot, or a charging station.

4. A payment device, comprising: A first receiving device is used to receive location information from a terminal device, wherein the terminal device corresponds to a payment object; a second receiving device is used to receive video data from a scene. The payment device also includes a determining device for identifying one or more payment objects based on the location information and the video data, for targeted payment collection and collection. The payment device further includes a constructing device for pre-constructing a digital spatial model of the site, the digital spatial model being a spatial model with three-dimensional spatial coordinates, established based on the video data and a three-dimensional map of the site. The determining device includes: a marking unit for marking the payment object in the digital spatial model based on the location information, for initiating targeted payment collection and collection to the payment object; a fusion unit for fusion of the video data with the marked payment object; a third receiving device for receiving, via an interactive interface, a target payment object selected by the user from the payment object or from the payment objects; and a pushing device for pushing a bill to the target payment object.

5. The payment device as described in claim 4, wherein, The terminal device can be a mobile phone or a vehicle-mounted terminal.

6. The payment device as described in claim 4, wherein, The site is a gas station, a parking lot, or a charging station.

7. A back-end server that communicates with a POS terminal, and includes: A first receiving device is used to receive location information from a terminal device, wherein the terminal device corresponds to a payment object; a second receiving device is used to receive video data from a scene. The system also includes a determining device for identifying one or more payment objects based on the location information and the video data for targeted payment collection. The backend server further includes a building device for pre-constructing a digital spatial model of the site, the digital spatial model being a spatial model with three-dimensional spatial coordinates, established based on the video data and a three-dimensional site map. The determining device includes a marking unit for marking the payment object in the digital spatial model based on the location information to initiate targeted payment collection to the payment object; and a fusion unit for merging the video data with the marked payment object. The POS terminal includes an interactive interface for displaying the identified one or more payment objects to the user. The backend server further includes a third receiving device for receiving a target payment object selected by the user from the payment object or the payment objects via the interactive interface; and a push device for pushing a bill to the target payment object.

8. A computer storage medium comprising at least one instruction that, when executed, performs a payment method as described in any one of claims 1 to 3.

9. A computer program product comprising at least one computer program that, when executed by a processor, implements the payment method as described in any one of claims 1 to 3.

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