Order processing based on near-field communication

Abstract

Provided in the embodiments of the present disclosure are an order processing method and apparatus based on near-field communication. The order processing method based on near-field communication comprises: during order processing, calling a near-field communication component to cooperate with a merchant device of a merchant to establish a near-field communication connection, and receiving, by means of the near-field communication connection, settlement information sent by the merchant device; sending the settlement information to a server, so as to perform an identity credential query and acquire identity credential data corresponding to a user's identity credential state at the merchant; on the basis of settlement instruction and the identity credential data, which is issued by the server, performing page rendering and display, and on the basis of the displayed identity credential page, cooperating with the server to perform identity credential processing; and if a settlement instruction based on an identity credential is detected, redirecting to a merchant subroutine and sending the settlement information and a user identifier, so as to perform order confirmation and order payment in the merchant subroutine.

Description

Order processing based on near-field communication Technical Field

[0001] This disclosure relates to the field of data processing technology, and more particularly to order processing based on near-field communication. Background Technology

[0002] With the continuous development of internet technology, the continuous improvement of users' living standards, and the continuous upgrading of hardware devices, more and more smart devices are appearing in users' lives, greatly facilitating their lives. Among them, NFC (Near Field Communication) technology, with its convenience and security features, has been widely used in smart access cards, identity recognition, and other fields. With the continuous development of NFC technology, its application in the payment field is also gradually increasing. Users can make order payments quickly and securely through NFC. As more and more users use NFC technology for payment, users' needs are also constantly changing. How to provide better NFC services and payment services has become an increasingly important focus for all parties. Summary of the Invention

[0003] This disclosure provides one or more embodiments of a first order processing method based on near-field communication (NFC), comprising: invoking a NFC component to establish a NFC connection with a merchant's device, and receiving settlement information sent by the merchant device through the NFC connection; sending the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the user's identity credential status in the merchant's system; rendering and displaying a page based on the settlement information and the identity credential data sent by the server, and performing identity credential processing in cooperation with the server based on the displayed identity credential page; if an identity credential-based settlement instruction is detected, redirecting to a merchant subroutine and sending the settlement information and user identifier to perform order confirmation and order payment in the merchant subroutine.

[0004] This disclosure provides one or more embodiments of a second order processing method based on near-field communication, comprising: receiving settlement information sent by a user terminal; the settlement information being sent to the user terminal by a merchant device through an established near-field communication connection; performing an identity credential query based on a user identifier and a merchant identifier contained in the settlement information; obtaining identity credential data corresponding to the queried user's identity credential status in the merchant and sending it to the user terminal; and cooperating with the user terminal to perform identity credential processing, so that the user terminal, upon detecting a settlement instruction based on the identity credential, jumps to a merchant subroutine to confirm and pay the order.

[0005] This disclosure provides one or more embodiments of a third order processing method based on near-field communication (NFC), comprising: acquiring settlement information entered through a settlement page; rendering and displaying a near-field payment page containing the settlement information; invoking a near-field communication component to detect a user terminal and establishing a near-field communication connection with the detected user terminal; sending the settlement information to the user terminal through the near-field communication connection, so that the user terminal cooperates with the server to process identity credentials based on the settlement information, and jumps to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credentials at the merchant.

[0006] This disclosure provides one or more embodiments of a first order processing device based on near-field communication (NFC), comprising: a settlement information receiving module configured to invoke a NFC component to establish a NFC connection with a merchant's device and receive settlement information sent by the merchant device through the NFC connection; a settlement information sending module configured to send the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the user's identity credential status in the merchant's device; an identity credential page display module configured to render and display a page based on the settlement information and the identity credential data sent by the server, and to perform identity credential processing in cooperation with the server based on the displayed identity credential page; and, if an identity credential-based settlement instruction is detected, a subroutine jump module is run, the subroutine jump module being configured to jump to a merchant subroutine and send the settlement information and user identifier to perform order confirmation and order payment in the merchant subroutine.

[0007] This disclosure provides one or more embodiments of a second order processing device based on near-field communication, comprising: a settlement information receiving module configured to receive settlement information sent by a user terminal; the settlement information being sent to the user terminal by a merchant device through an established near-field communication connection; an identity credential query module configured to perform an identity credential query based on a user identifier and a merchant identifier contained in the settlement information; an identity credential data sending module configured to obtain identity credential data corresponding to the queried user's identity credential status in the merchant and send it to the user terminal; and an identity credential processing module configured to cooperate with the user terminal in performing identity credential processing, so that the user terminal, upon detecting a settlement instruction based on the identity credential, jumps to a merchant subroutine for order confirmation and order payment.

[0008] This disclosure provides one or more embodiments of a third order processing device based on near-field communication (NFC), comprising: a settlement information acquisition module configured to acquire settlement information input through a settlement page, render and display a near-field payment page of the settlement information; a near-field communication connection establishment module configured to call a near-field communication component to detect a user terminal and establish a near-field communication connection with the detected user terminal; and a settlement information sending module configured to send the settlement information to the user terminal through the near-field communication connection, so that the user terminal can cooperate with the server to process identity credentials based on the settlement information, and jump to the merchant subroutine for order confirmation and order payment based on the user's settlement instruction using the merchant's identity credentials.

[0009] This disclosure provides one or more embodiments of a first order processing device based on near-field communication (NFC), comprising: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: invoke a NFC component to establish a NFC connection with a merchant's device and receive settlement information sent by the merchant device through the NFC connection; send the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the user's identity credential status in the merchant's system; render and display a page based on the settlement information and the identity credential data sent by the server, and perform identity credential processing in cooperation with the server based on the displayed identity credential page; and if an identity credential-based settlement instruction is detected, redirect to a merchant subroutine and send the settlement information and user identifier to perform order confirmation and order payment in the merchant subroutine.

[0010] This disclosure provides one or more embodiments of a second order processing device based on near-field communication (NFC), comprising: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: receive settlement information sent by a user terminal; the settlement information being sent to the user terminal by a merchant device via an established NFC connection; perform an identity credential lookup based on a user identifier and a merchant identifier contained in the settlement information; obtain identity credential data corresponding to the user's identity credential status at the merchant and send it to the user terminal; and cooperate with the user terminal to perform identity credential processing, so that the user terminal, upon detecting a settlement instruction based on the identity credential, jumps to a merchant subroutine for order confirmation and payment.

[0011] This disclosure provides one or more embodiments of a third order processing device based on near-field communication (NFC), comprising: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: acquire settlement information input through a settlement page; render and display a near-field payment page containing the settlement information; invoke a near-field communication component to detect a user terminal and establish a near-field communication connection with the detected user terminal; and send the settlement information to the user terminal through the near-field communication connection, so that the user terminal cooperates with a server to process identity credentials based on the settlement information, and jumps to a merchant subroutine for order confirmation and payment based on the user's settlement instructions using the merchant's identity credentials.

[0012] This disclosure provides one or more embodiments of a first storage medium for storing computer-executable instructions, which, when executed by a processor, implement the following process: invoking a near-field communication component to establish a near-field communication connection with a merchant's device, and receiving settlement information sent by the merchant device through the near-field communication connection; sending the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the user's identity credential status in the merchant's system; rendering and displaying a page based on the settlement information and the identity credential data sent by the server, and performing identity credential processing in cooperation with the server based on the displayed identity credential page; if an identity credential-based settlement instruction is detected, redirecting to a merchant subroutine and sending the settlement information and user identifier to perform order confirmation and order payment in the merchant subroutine.

[0013] This disclosure provides one or more embodiments of a second storage medium for storing computer-executable instructions, which, when executed by a processor, implement the following process: receiving settlement information sent by a user terminal; the settlement information being sent to the user terminal by a merchant device via an established near-field communication connection; performing an identity credential query based on a user identifier and a merchant identifier contained in the settlement information; obtaining identity credential data corresponding to the queried user's identity credential status at the merchant and sending it to the user terminal; and cooperating with the user terminal to perform identity credential processing, so that the user terminal, upon detecting a settlement instruction based on the identity credential, jumps to a merchant subroutine to confirm and pay the order.

[0014] This disclosure provides one or more embodiments of a third storage medium for storing computer-executable instructions, which, when executed by a processor, implement the following process: obtaining settlement information entered through a settlement page; rendering and displaying a near-field payment page containing the settlement information; invoking a near-field communication component to detect a user terminal and establishing a near-field communication connection with the detected user terminal; sending the settlement information to the user terminal through the near-field communication connection, so that the user terminal can cooperate with the server to process identity credentials based on the settlement information, and jump to the merchant subroutine for order confirmation and order payment based on the settlement instruction of the user's identity credentials at the merchant. Attached Figure Description

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

[0016] Figure 1 is a schematic diagram of the implementation environment of an order processing method based on near-field communication provided by one or more embodiments of this disclosure;

[0017] Figure 2 is a flowchart of a first order processing method based on near-field communication provided by one or more embodiments of this disclosure;

[0018] Figure 3(a) is a schematic diagram of the settlement page of a first type of merchant device provided in one or more embodiments of this disclosure;

[0019] Figure 3(b) is a schematic diagram of the settlement page of a second type of merchant device provided in one or more embodiments of this disclosure;

[0020] Figure 3(c) is a schematic diagram of the settlement page of a third type of merchant device provided in one or more embodiments of this disclosure;

[0021] Figure 4 is a schematic diagram of a near-field payment page of a merchant device provided in one or more embodiments of this disclosure;

[0022] Figure 5 is a schematic diagram of a merchant device's scanning payment page provided in one or more embodiments of this disclosure;

[0023] Figure 6 is a schematic diagram of a user terminal loading page provided in one or more embodiments of this disclosure;

[0024] Figure 7 is a schematic diagram of a credential interaction page of a user terminal provided in one or more embodiments of this disclosure;

[0025] Figure 8(a) is a schematic diagram of a credential registration page of a user terminal provided in one or more embodiments of this disclosure;

[0026] Figure 8(b) is a schematic diagram of an identity credential page of a user terminal provided in one or more embodiments of this disclosure;

[0027] Figure 9 is a schematic diagram of a product page on a user terminal provided in one or more embodiments of this disclosure;

[0028] Figure 10 is a timing diagram of an order processing method based on near-field communication applied to a registered member payment scenario, provided by one or more embodiments of this disclosure.

[0029] Figure 11 is a timing diagram of a near-field communication-based order processing method applied to a payment scenario for unregistered members, provided by one or more embodiments of this disclosure.

[0030] Figure 12 is a flowchart of a second order processing method based on near-field communication provided in one or more embodiments of this disclosure;

[0031] Figure 13 is a flowchart of a third order processing method based on near-field communication provided in one or more embodiments of this disclosure;

[0032] Figure 14 is a schematic diagram of a first embodiment of an order processing device based on near-field communication provided by one or more embodiments of this disclosure;

[0033] Figure 15 is a schematic diagram of a second embodiment of an order processing device based on near-field communication provided by one or more embodiments of this disclosure;

[0034] Figure 16 is a schematic diagram of a third embodiment of an order processing device based on near-field communication provided in one or more embodiments of this disclosure;

[0035] Figure 17 is a schematic diagram of the structure of a first type of order processing device based on near-field communication provided in one or more embodiments of this disclosure;

[0036] Figure 18 is a schematic diagram of the structure of a second order processing device based on near-field communication provided in one or more embodiments of this disclosure;

[0037] Figure 19 is a schematic diagram of the structure of a third order processing device based on near-field communication provided in one or more embodiments of this disclosure. Detailed Implementation

[0038] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this disclosure, the technical solutions in one or more embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this disclosure, and not all of the embodiments. Based on one or more embodiments of this disclosure, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this disclosure.

[0039] The order processing method based on near-field communication provided in one or more embodiments of this disclosure is applicable to the implementation environment of order payment. Referring to FIG1, the implementation environment includes at least a user terminal 101, which may be a smartphone, tablet computer, e-book reader, wearable device, or device for information interaction based on AR (Augmented Reality) / VR (Virtual Reality). The user terminal 101 is used to establish a near-field communication connection with the merchant device 103 to obtain settlement information, interact with the server 102 to process identity credentials, and jump to the merchant mini-program for order confirmation and order payment. The user terminal 101 may be configured with the client of the application to which the merchant mini-program belongs, for processing identity credentials and jumping to the merchant sub-program within the application; in addition, the user terminal 101 may also cooperate with the merchant server 104 and the server 102 to perform order payment.

[0040] The implementation environment also includes at least server 102, which can be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform. Server 102 can be used to store the identity credential data of each user in the merchant, to query the identity credential status of users in the merchant, and to cooperate with user terminal 101 to process identity credentials. Server 102 can also cooperate with merchant server 104 to process order payments. In addition, some functions of server 102 can also be implemented by merchant server 104. For example, merchant server 104 can store the identity credential data and / or identity credential status of each user in the merchant, and server 102 can send query requests to merchant server 104 so that merchant server 104 can query the identity credential data and / or identity credential status of users in the merchant and return the results to server 102.

[0041] The implementation environment also includes at least merchant device 103, which can be a terminal device configured with NFC components and a screen. Merchant device 103 is used to acquire externally input settlement information and establish a near-field communication connection with user terminal 101, as well as to transmit settlement information to user terminal 101. The settlement information can be input by a member of the merchant after interacting with merchant device 103.

[0042] The implementation environment may also include a merchant server 104, which can be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform. The merchant server 104 can be used to run merchant subroutines, that is, the merchant server 104 can cooperate with the user terminal 101 to confirm and pay for orders. Furthermore, the merchant server 104 can also cooperate with server 102 to pay for orders; that is, after the user terminal 101 confirms the order, the merchant server 104 sends the order information to server 102, and server 102 processes the payment based on the order information. In addition, the merchant server 104 can also store each user's identity credential data and / or identity credential status within the merchant's database.

[0043] In this implementation environment, during the order payment process, merchant device 103 first obtains the settlement information entered by the merchant member, renders and displays the payment guidance page, and simultaneously calls the near-field communication component to detect the user terminal. It establishes a near-field communication connection with the detected user terminal 101 and sends the settlement information to the user terminal 101 through the near-field communication connection. The user terminal 101 forwards the settlement information to the server 102. The server 102 queries the user's identity credential status with the merchant based on the user identifier and the merchant identifier in the settlement information, obtains the identity credential data corresponding to the identity credential status, and sends it to the user terminal 101. The user terminal 101 renders and displays the identity credential page based on the settlement information and identity credential data, and cooperates with the server 102 to process the identity credential. After detecting a settlement instruction based on the identity credential, it jumps to the merchant subroutine and sends the settlement information and user identifier to the merchant server 104. The merchant server 104 cooperates with the user terminal 101 to confirm the order and make the order payment.

[0044] One or more embodiments of the first order processing method based on near-field communication provided in this disclosure are as follows.

[0045] Referring to Figure 2, the order processing method based on near-field communication provided in this embodiment can be applied to a user terminal, specifically including steps S202 to S208.

[0046] Step S202: Invoke the near-field communication component to cooperate with the merchant's equipment to establish a near-field communication connection, and receive the settlement information sent by the merchant's equipment through the near-field communication connection.

[0047] In practical applications, there are situations where merchants have large venues and overcrowded checkout and / or payment areas. For example, large supermarkets and shopping malls have excessively large areas and fixed payment areas, requiring users to queue after shopping. To address this, this embodiment inputs settlement information into a handheld wireless merchant device and transmits the settlement information to the user terminal via NFC connection. This allows the user terminal to confirm and pay for orders within the merchant subroutine, enabling quick order creation, confirmation, and payment without the need for a physical cashier. Furthermore, the user terminal can also work with the server to query the user's identity credentials at the merchant and submit settlement instructions based on those credentials, achieving quick membership payment without a fixed cashier area.

[0048] In this embodiment, the merchant device refers to a handheld wireless device used to receive settlement information or product information input by merchant members and send the settlement information to the user terminal via NFC connection. Specifically, the merchant device may include an NFC device configured with a display component and an NFC component; the merchant device may also be configured with a client of a third-party application, through which the merchant device inputs settlement information. For example, the merchant device may be configured with a client of a payment application, through which the merchant device inputs settlement information; the merchant device may render a near-field payment page through the third-party application and send settlement information to the user terminal, that is, the user terminal may establish an NFC connection with the merchant device within the third-party application; optionally, the third-party application renders a near-field payment page by calling the near-field payment interface and sends settlement information to the user terminal.

[0049] Furthermore, the merchant device can be an internet-connected device that interacts with the merchant server to obtain settlement information for each product, allowing merchant members to select and input it. Simultaneously, it can send settlement information to the user terminal via the internet through a third-party application. Furthermore, the third-party application can also use the merchant device's network connection to call its own server to render the near-field payment page; the merchant device is only used to receive and display the near-field payment page. Alternatively, the merchant device can be an offline NFC device, storing settlement information for each product for merchant members to select and input. The third-party application is also an offline application, calling the near-field payment interface and rendering and displaying the near-field payment page through the merchant device's rendering component.

[0050] In practice, the merchant member first interacts with the merchant device to input settlement information. After receiving the settlement information, the merchant device renders and displays the near-field payment page of the settlement information. At the same time, it calls the NFC component to detect the user terminal. If a user terminal is detected within the NFC broadcast range, it calls the NFC component to establish an NFC connection with the detected user terminal and sends the settlement information to the user terminal through the NFC connection. The user terminal calls the near-field communication component to cooperate with the merchant device to establish an NFC connection and receives the settlement information transmitted by the merchant device through the NFC connection.

[0051] In this embodiment, settlement information refers to the settlement information of the goods entered by the merchant member. Specifically, it may be the goods' details, the settlement amount, the merchant's information, the goods' receipt information, etc., or it may be a combination of two or more of the above information. This embodiment does not limit this. Optionally, settlement information includes goods information and merchant identification; wherein, goods information includes goods details and / or settlement amount.

[0052] Specifically, settlement information can be entered by the merchant member on the settlement page displayed on the merchant device. After obtaining the settlement information, the merchant device can also render and display the near-field payment page for the settlement information. That is, the merchant device obtains the settlement information entered through the settlement page and renders and displays the near-field payment page for the settlement information. As shown in Figures 3(a), 3(b), 3(c), and 4, the merchant member triggers the "Create New Order" button 301 on the first settlement page shown in Figure 3(a), enters the second settlement page shown in Figure 3(b), and enters the product information and the merchant's identifier on the second settlement page before triggering the "Submit" button 302, entering the third settlement page shown in Figure 3(c). After triggering the "Initiate Payment" button 303 on the third settlement page, the merchant member displays the near-field payment page shown in Figure 4, which guides the user terminal to establish a near-field communication connection with the merchant device. In addition, the merchant identifier can also be written into the settlement page through the merchant device. That is, the merchant device generates a settlement page carrying the merchant identifier, and the merchant member enters the product information on the settlement page to obtain the settlement information on the settlement page.

[0053] In practice, while the merchant device displays the near-field payment page, or after the merchant device displays the near-field payment page, it can also call the near-field communication component to detect the user terminal and establish an NFC connection with the detected user terminal to send settlement information to the user terminal. Optionally, the near-field communication connection is established after the merchant device obtains the settlement information entered on the settlement page and renders and displays the near-field payment page containing the settlement information. Optionally, the near-field communication connection is established after the merchant device calls the near-field communication component to detect the user terminal; the invocation of the near-field communication component is performed after obtaining the settlement information entered on the settlement page and rendering the near-field payment page containing the settlement information.

[0054] In addition, if the merchant device fails to detect a user terminal when calling the near-field communication (NFC) component, or if the merchant device fails to establish an NFC connection with the user terminal using the NFC component, a NFC reminder page can be displayed. This NFC reminder page can be displayed after the NFC payment page display time expires, reminding the user to turn on NFC and bring the device close to the merchant device for NFC connection. Specifically, the merchant device can use detection components such as infrared components and image acquisition components to detect the presence of a user terminal near the merchant device. If a user terminal is detected and the NFC connection fails, the NFC reminder page can be displayed. Optionally, after detecting a user terminal, the merchant device's detection component can call the NFC component to establish a NFC connection with the detected user terminal. If the connection fails, the NFC reminder page will be displayed.

[0055] It should be noted that the near-field payment page displayed on the merchant device can also be replaced with a scan payment page. Specifically, after detecting a near-field payment page switching instruction, the merchant device renders and switches to the scan payment page carrying the payment code and order amount. As shown in Figure 5, after a merchant member triggers the near-field payment page switching button 501, the merchant device renders and switches to the scan payment page carrying the payment code and order amount. Furthermore, when the merchant device displays the scan payment page, the user terminal can scan the payment code and jump to the merchant subroutine based on the scan result to confirm the order and make payment in the merchant subroutine. In an optional implementation provided in this embodiment, it further includes: scanning the payment code and decoding the payment code, jumping to the merchant subroutine based on the decoding result and sending the settlement information and the user identifier to confirm the order and make payment in the merchant subroutine.

[0056] Step S204: Send the settlement information to the server to query the identity credentials and obtain the identity credential data corresponding to the user's identity credential status at the merchant.

[0057] This embodiment enables payment based on identity credentials outside the settlement area by having the user terminal cooperate with the server. By sending settlement information to the server, the server can determine the user's identity credentials status with the merchant and whether the user is a registered user of the merchant.

[0058] In practice, the user terminal sends the settlement information from the merchant's device to the server. The server receives the settlement information from the user terminal, performs an identity credential lookup based on the user identifier and the merchant identifier contained in the settlement information, retrieves the corresponding identity credential data based on the user's identity credential status within the merchant's database, and sends it to the user terminal. Specifically, the server can query the identity credential status of the user corresponding to the merchant identifier in the merchant's user registry based on the merchant identifier, and retrieve the corresponding identity credential data.

[0059] In this embodiment, the identity credential refers to the user's registered identity credential with the merchant. Specifically, the identity credential can be the user's registered membership with the merchant. Correspondingly, when a user has registered a membership with the merchant, the identity credential status can be the user's membership status with the merchant, and the identity credential data can be the user's membership points, membership balance, membership group owner status, membership benefits, etc. Furthermore, when a user has not registered a membership with the merchant, the identity credential status can be the user's unregistered membership status with the merchant, and the identity credential data can be the merchant's identity credential registration data, such as the merchant's membership promotional information. Optionally, if the identity credential status is unregistered, the identity credential data includes the merchant's identity credential registration data.

[0060] During the specific identity credential query process, the server can query whether there is a user corresponding to the user identifier in the merchant based on the user identifier and the merchant identifier, and determine the user's identity credential status in the merchant based on the query results. In one optional implementation of this embodiment, the identity credential query includes: querying whether the user has registered for identity credential in the merchant based on the user identifier and the merchant identifier contained in the settlement information; if yes, the identity credential status is determined to be a registered status; if no, the identity credential status is determined to be an unregistered status.

[0061] Specifically, the server can store the registered user table for each merchant. The server determines the registered user table for a merchant based on the merchant identifier, and checks whether there is a registered user corresponding to the user identifier in the registered user table for that merchant. If there is, the user's identity credential status is determined to be registered; if not, the user's identity credential status is determined to be unregistered.

[0062] In addition, each merchant can store its own registered user table in its corresponding merchant server. The server can call the query interface of the corresponding merchant server to query the registered user table based on the merchant identifier, and check whether there is a registered user corresponding to the user identifier in the registered user table. Based on the query result, the user's identity credential status is determined. In another optional implementation provided in this embodiment, the identity credential query includes: calling the query interface of the merchant corresponding to the merchant identifier to query the registered user, and determining whether the user corresponding to the user identifier has registered with the merchant based on the query result. If yes, the identity credential status is determined to be registered; if no, the identity credential status is determined to be unregistered.

[0063] In practice, merchants can issue various identity benefits and / or preferential benefits to registered users. Merchants can also invite registered users to join a registered user group for management and maintenance. For registered users, the server can use the user's identity credential information, the identity benefits associated with the identity credential, and the registered user group and / or the user's status in the registered user group as identity credential data. In the optional implementation provided in this embodiment, if the identity credential status is registered, the identity credential data corresponding to the user's identity credential status in the merchant is obtained, including: obtaining the credential information of the identity credential registered by the user in the merchant, and the identity benefits associated with the identity credential; and determining the registered user group created by the merchant for the registered user with the registered identity credential.

[0064] In addition, merchants can issue pending identity benefits and / or preferential benefits to unregistered users. That is, the benefits that users can obtain after registering with the merchant. For unregistered users, the server can send the merchant's identity credential registration data as identity credential data to the user terminal.

[0065] It should be noted that the user terminal may also send only the merchant identifier contained in the settlement information to the server. The server can perform identity credential query based on the received merchant identifier and the user identifier of the user to which the user terminal belongs. That is, step S204 can be replaced by sending the merchant identifier to the server to perform identity credential query and obtain the identity credential data corresponding to the user's identity credential status in the merchant.

[0066] Step S206: Render and display the page based on the settlement information and the identity credential data issued by the server, and process the identity credential in cooperation with the server based on the displayed identity credential page.

[0067] This embodiment renders and displays the payment page corresponding to the identity credential by using the settlement information sent by the merchant's device and the identity credential data issued by the server. This transfers the functions of the merchant's cashier to the user terminal. The user terminal performs order creation, order confirmation, and order payment, while the merchant's device transmits the settlement information. This enables fast order payment in scenarios such as retail, supermarkets, and large shopping venues, avoiding the efficiency problems caused by the excessive concentration of settlement and cashier areas.

[0068] In practice, the identity credential page is rendered and displayed based on the settlement information sent by the merchant's device and the identity credential data issued by the server. It also coordinates with the server to process identity credentials based on user trigger commands to the displayed identity credential page. Specifically, users can trigger the registration control configured on the identity credential page to register their identity credentials with the merchant; they can also trigger the login control configured on the identity credential page to log in using their identity credentials; they can also trigger the claim control configured on the identity credential page to claim benefits issued by the merchant; and they can also trigger the cancellation control configured on the identity credential page to close the identity credential page and proceed to the order confirmation page. The identity credential page can also be displayed in third-party applications, such as when a user terminal establishes an NFC connection with a merchant's device in a payment application, and the identity credential page is rendered and displayed within the payment application.

[0069] During the actual execution process, when the user terminal renders and displays the page, it needs to interact with the server and call various components, such as the rendering component, which requires some processing time. To address this, a loading page can be rendered and displayed to indicate to the user that the user terminal is currently processing the rendering. As shown in Figure 6, the loading page is displayed before the identity credential page. Furthermore, since different user terminals may use different operating systems, the loading page can be rendered and displayed for different operating systems. Alternatively, a notification to display the identity credential page can be shown on the lock screen or desktop, prompting the user to trigger the display button to access the identity credential page.

[0070] In the specific execution process, different identity credential pages can be rendered according to the identity credential status of different users. For registered users, the identity credential page can be rendered according to the settlement amount, identity credential information, identity rights, etc. contained in the settlement information, and the identity credential processing can be carried out in cooperation with the server according to the different trigger commands of the users. For unregistered users, the identity credential page can be rendered according to the settlement amount contained in the settlement information and the merchant's identity credential registration data, and the identity credential processing can be carried out in cooperation with the server according to the different trigger commands of the users. The following describes the identity credential pages for registered and unregistered status respectively. (1) Registered status

[0071] For registered users, the identity credential page can display available membership benefits, remaining membership benefits in the member account, credential information corresponding to the membership level, settlement amount, etc., so that users can quickly perceive the identity credential data. In one optional implementation of this embodiment, page rendering and display includes: rendering and displaying the identity credential interaction page based on the settlement amount, credential information, and membership benefits contained in the settlement information.

[0072] Optionally, the credential interaction page is configured with a login control, a control for claiming the identity rights, and / or a control for participating in the user group.

[0073] As shown in Figure 7, the voucher interaction page is configured with a login button 701, a coupon redemption button 702, and a member group participation button 703. The voucher interaction page also displays the settlement amount and the user's points and balance in the member account.

[0074] In the specific execution process, users can trigger different controls configured on the identity credential page and send the corresponding requests to the server to cooperate with the server in processing the corresponding identity credential. In one optional implementation provided in this embodiment, cooperating with the server in processing the identity credential includes: if the participation control is triggered, generating a participation request and sending it to the server to add the user to the registered user group; if the claim control is triggered, sending a claim request for the identity rights to the server to associate the identity rights with the identity credential, or allocating the identity rights to the user's payment account; if the login control is triggered, cooperating with the server in logging in with the identity credential.

[0075] Optionally, the settlement instruction is generated after successful login processing.

[0076] Continuing with the previous example, after the user triggers the login button 701, they submit a login command to the server. The server then calls the merchant subroutine's access interface based on the login command, allowing the user terminal to enter the merchant subroutine based on their identity credentials. In other words, the user submits a settlement command based on their identity credentials to their terminal by triggering the login button 701. After the user triggers the claim button 702, they generate an identity rights claim request and send it to the server. The server associates the identity rights with the user's identity credentials at the merchant, or adds the identity rights to the user's payment account in the payment application. After the user triggers the participate button 703, they generate a participate request and send it to the server. The server adds the user to the member group created by the merchant in the payment application.

[0077] In addition, the credential interaction page can also be configured with a login cancellation control. After the user triggers the login cancellation control, the user terminal and the server cooperate to process the identity credentials so that the user can enter the merchant subprogram in an unregistered state. Continuing with the previous example, after the user triggers the login cancellation button 704, a login cancellation instruction is submitted to the server. The server calls the access interface of the merchant subprogram based on the login cancellation instruction so that the user terminal can enter the merchant subprogram in an unregistered state. (2) Unregistered state

[0078] For users who are not registered, the membership benefits to be claimed and the settlement amount can be displayed on the identity credential page so that users can quickly understand the benefits they can obtain after registering their identity credential. In one optional implementation of this embodiment, the page rendering and display includes: rendering a credential registration page that includes the settlement amount contained in the settlement information and the identity credential registration data, and displaying the credential registration page.

[0079] Optionally, the credential registration page is configured with a registration control for identity credentials.

[0080] As shown in Figure 8(a), the credential registration page displays the settlement amount and the rights that can be obtained after registering the identity credential. The credential registration page is also equipped with a registration button 801 for the identity credential.

[0081] Furthermore, after a user triggers the registration control configured on the credential registration page, they can cooperate with the server to perform credential registration processing and associate identity rights with identity credentials. The identity credential page is then rendered and displayed based on these identity rights, allowing the user to perceive the identity credential registration. In one optional implementation of this embodiment, cooperating with the server to perform identity credential processing includes: if the registration control configured on the credential registration page is triggered, sending a credential registration request to the server to register the user's identity credential with the merchant and obtain the identity credential; receiving the identity rights associated with the identity credential issued by the server, and rendering and displaying the identity credential page based on these identity rights.

[0082] Optionally, the settlement instruction is generated after the settlement control configured on the identity credential page is triggered.

[0083] Specifically, after a user triggers the registration control configured on the credential registration page, a credential registration request is sent to the server. The server can add the user to the registered user table stored by the merchant on the server, or the server can call the registration interface of the merchant server to register the user's identity credential and issue the identity rights associated with the identity credential to the user's terminal, so as to issue merchant preferential rights to the identity credential and payment preferential rights to the payment account.

[0084] In the specific execution process, after the user terminal displays the identity credential page, the user can trigger the controls displayed on the identity credential page to cooperate with the server to process the identity credential. Specifically, the user can trigger the participation control configured on the identity credential page to join the registered user group, or trigger the identity rights claim control to claim the rights. In an optional implementation provided in this embodiment, after rendering and displaying the identity credential page based on identity rights, the method further includes: if the participation control of the registered user group configured on the identity credential page is triggered, cooperating with the server to add the user to the registered user group; if the identity rights claim control configured on the identity credential page is triggered, cooperating with the server to associate the identity rights with the identity credential, or to allocate the identity rights to the user's payment account.

[0085] As shown in Figure 8(b), when a user triggers the "Participate" button 802 of the member group configured on the identity credential page, they submit a group participation instruction to the server. The server then adds the user to the registered user group created by the merchant in the payment application. When a user triggers the "Claim Identity Benefits" button 803 of the identity credential page, they submit a benefit claim instruction to the server. The server then associates the merchant's preferential benefits with the user's identity credential at the merchant, or allocates the payment preferential benefits to the user's payment account, depending on the type of benefit. The user can also trigger the "Payment" button 804 of the identity credential page to redirect them to the merchant's subroutine and confirm and pay for the order based on their identity credential. In other words, the user submits a settlement instruction based on their identity credential to the user terminal by triggering the payment button 804.

[0086] It should be noted that after a user in an unregistered state completes the merchant's identity credential registration, the user terminal can display the identity credential page in the registered state. The specific content displayed on the identity credential page and the configured controls can be referred to the credential interaction page in the registered state as described above. The specific interaction process of the identity credential page can also be referred to the interaction process of the credential interaction page. This embodiment will not be described in detail here.

[0087] In addition, the identity credentials page can also be configured with a login cancellation control. After a user triggers the login cancellation control, the user's terminal and the server cooperate to process the identity credentials, allowing the user to enter the merchant subprogram in an unregistered state. Continuing with the previous example, after the user triggers the login cancellation button 805, a login cancellation command is submitted to the server. The server then calls the merchant subprogram's access interface based on the login cancellation command, allowing the user's terminal to enter the merchant subprogram in an unregistered state.

[0088] It should be noted that the user terminal can also render and display the page based solely on the settlement amount and identity credential data contained in the settlement information. That is, step S206 can be replaced by rendering and displaying the page based on the settlement amount and the identity credential data issued by the server, and cooperating with the server to process the identity credential based on the displayed identity credential page.

[0089] Step S208: If a settlement instruction based on identity credentials is detected, the system redirects to the merchant subroutine and sends the settlement information and user identifier to the merchant subroutine for order confirmation and payment.

[0090] This embodiment displays available benefits to users before they make a payment, and displays the benefits after registering their identity credentials to unregistered users. This avoids the complicated process of users claiming benefits before order processing, and allows users to intuitively perceive the identity benefits they can enjoy after registering their identity, improving order processing efficiency and enhancing user experience. In addition, this embodiment also enables order processing without being restricted by the cashier area through wireless merchant devices, increasing the number of order processing modes.

[0091] In this embodiment, a merchant subroutine refers to a subroutine configured by the merchant within the application for creating, confirming, and paying for product orders. Specifically, a merchant subroutine can be a subroutine configured by the merchant within a third-party application, such as a subroutine configured within a payment application, so that the user can jump from the identity credential page displayed by the third-party application to the merchant subroutine in the third-party application.

[0092] In practice, when a user submits a settlement instruction based on their identity credentials on the identity credentials page, the system sends settlement information and user identifier to the merchant subprogram. This enables the merchant subprogram to generate an order page and simultaneously redirects the user from the identity credentials page to the order page of the merchant subprogram for order confirmation and payment processing.

[0093] In the specific execution process, after receiving the settlement information and user identifier sent by the user terminal, the merchant subprogram can create a product page for the goods included in the settlement information based on the settlement information and user identifier, and settle the product according to the identity rights associated with the user's identity credentials to obtain the settlement amount. After obtaining the order instruction submitted by the user on the product page, the subprogram creates a product order based on the settlement amount and generates an order payment instruction to make the order payment. In an optional implementation method provided in this embodiment, order confirmation in the merchant subprogram includes: settling the product information included in the settlement information according to the identity rights associated with the identity credentials to obtain the settlement result; if an order instruction is detected, creating an order based on the settlement information and the settlement result, and generating an order payment instruction to make the order payment.

[0094] As shown in Figure 9, a product page is generated based on the product information contained in the settlement information, and the product amount is settled based on the identity rights associated with the user's identity credentials to obtain the settlement result. The user can trigger the order button 901 configured on the product page to submit the order instruction, so that the merchant subprogram can create a product order and generate an order payment instruction based on the settlement result and product information to process the order payment.

[0095] Furthermore, the goods included in the settlement information can also be delivered to the user via logistics delivery. Here, the user can add the delivery information for the product on the product page, and calculate the settlement result based on the product amount, delivery fee, and identity rights included in the settlement information. In addition, the goods included in the settlement information may also be gifts to the user; that is, the settlement result can be calculated based on the delivery fee and identity rights. In one optional implementation of this embodiment, order confirmation in the merchant subroutine includes: settling the product information included in the settlement information according to the identity rights associated with the identity credential to obtain a settlement result, and / or obtaining the delivery information input through the merchant subroutine; if an order placement instruction is detected, an order is created based on the settlement information, the settlement result, and / or the delivery information, and an order payment instruction is generated for order payment.

[0096] Using the previous example, users can also trigger the "Add Delivery Address" button 902 configured on the product page to add delivery information and calculate the settlement result including delivery fees, so that the merchant subprogram can create a product order and generate an order payment instruction based on the settlement result, product information and delivery address to process the order payment.

[0097] During the specific order payment process, the merchant subprogram can call the payment interface to make the order payment based on the generated order payment instruction. Specifically, it can call the payment interface of a third-party application to make the order payment. This third-party application can be the application that establishes the NFC connection and displays the identity certificate page mentioned above, such as a payment application. In one optional implementation of this embodiment, making the order payment in the merchant subprogram includes: calling the payment interface to make the order payment based on the order payment instruction generated by the merchant subprogram.

[0098] Optionally, the payment interface response and interface call perform the following operations: make an order payment to the merchant according to the payment information carried in the order payment instruction, or query the user's payment account identity rights according to the user identifier carried in the order payment instruction, and make an order payment to the merchant based on the identity rights.

[0099] For example, after generating an order payment instruction, the merchant subroutine calls the payment interface of the payment application to make the order payment. The server of the payment application queries the user's payment account identity rights according to the user identifier carried in the order payment instruction, calculates the amount to be transferred from the user's account based on the identity rights, and transfers the amount to the merchant's account to make the order payment. It also performs rights verification for the merchant based on the identity rights.

[0100] It should be noted that the merchant subroutine can be a merchant application or a subroutine of an application. Accordingly, the user terminal can jump from the application to which the identity credential page belongs to the merchant application, and the user terminal can also enter the merchant subroutine to which the application belongs from the application to which the identity credential page belongs; wherein, the application can be a payment application. In addition, the server to which the aforementioned third-party application and / or payment application belongs can be a server that cooperates with the user terminal to process identity credentials, which is not limited in this embodiment.

[0101] In summary, the one or more order processing methods based on near-field communication provided in this embodiment can be applied to user terminals. During order processing, a near-field communication component is invoked to establish an NFC connection with the merchant's device. Settlement information sent by the merchant's device is received through the NFC connection, and settlement information is sent to the server to query identity credentials and obtain the identity credential data corresponding to the user's identity credential status in the merchant's system. Based on the settlement information and the identity credential data sent by the server, a page is rendered and displayed. Based on the displayed identity credential page, identity credential processing is performed in cooperation with the server. Upon detecting a settlement instruction based on identity credential, the system redirects to the merchant subroutine to confirm and pay the order. This achieves order creation, confirmation, and payment without the need for a cashier device, improving order processing efficiency and avoiding the inefficiency problem in scenarios with concentrated cashier areas.

[0102] Furthermore, different identity credential pages can be rendered based on the user's identity credential status, allowing users to perceive the benefits they will enjoy after registering their identity credential or the benefits available for this order before payment, thus improving user awareness. Even further, the identity credential page can be configured with multiple controls, allowing users to claim various identity benefits and join user groups before payment, avoiding the complex process of claiming coupons first and then processing the order. Additionally, different controls can be configured for the identity credential pages of unregistered and registered users, allowing unregistered users to perceive the benefits they can obtain after registering their identity credential, improving order processing efficiency and enhancing user experience.

[0103] The first order processing method based on near-field communication (NFC) described above can be executed by a user terminal. The second order processing method based on NFC provided in the following method embodiments can be executed by a server, and the third order processing method based on NFC provided in the following method embodiments can be executed by a merchant device. These three methods can cooperate with each other during execution. Therefore, to understand the above implementation processes, please refer to the corresponding content of the second order processing method based on NFC and the corresponding content of the third order processing method based on NFC. Accordingly, please refer to the second order processing method based on NFC to understand the implementation process. The third embodiment of the order processing method based on near-field communication described below can also refer to the corresponding content of the above method embodiments. In addition, the implementation process of the second embodiment of the order processing method based on near-field communication provided below and the implementation process of the third embodiment of the order processing method based on near-field communication provided below can also cooperate with each other during execution. Therefore, when reading the corresponding content of the second embodiment of the order processing method based on near-field communication described below, you can refer to the corresponding content of the third embodiment of the order processing method based on near-field communication described below. Correspondingly, when reading the third embodiment of the order processing method based on near-field communication described below, you can also refer to the corresponding content of the second embodiment of the order processing method based on near-field communication described above.

[0104] The following uses the application of a near-field communication-based order processing method in a registered member payment scenario as an example to further illustrate the near-field communication-based order processing method provided in this embodiment. Referring to Figure 10, the near-field communication-based order processing method applied to the registered member payment scenario specifically includes the following steps.

[0105] Step S1008: Invoke the NFC component to establish an NFC connection with the merchant device, and receive settlement information sent by the merchant device through the NFC connection.

[0106] Step S1010: Send the merchant identifier to the server.

[0107] Step S1020: Render and display the identity credential interaction page based on the settlement amount and the identity credential data sent by the server.

[0108] Step S1022: Based on the displayed credential interaction page, cooperate with the server to process identity credentials.

[0109] Step S1024: A settlement instruction based on identity credentials is detected, and the process redirects to the merchant subroutine and sends settlement information and user identifier.

[0110] Step S1026: Order confirmation is performed in the merchant subprogram so that the merchant subprogram settles the product information contained in the settlement information according to the identity rights associated with the identity credentials, obtains the settlement result, and acquires the delivery information entered through the merchant subprogram. After detecting the order placement instruction, the order is created based on the settlement information, settlement result, and delivery information, and an order payment instruction is generated to make the order payment.

[0111] Here, the user triggers the order placement command by activating the order placement control configured on the product page displayed by the merchant subprogram.

[0112] Step S1028: Order payment is performed in the merchant subroutine, so that the merchant subroutine calls the payment interface to make the order payment based on the order payment instruction; wherein, the payment interface responds to the interface call by performing the following operation: making the order payment to the merchant according to the payment information carried by the order payment instruction.

[0113] Optionally, step S1022 can be replaced by: detecting that the participation control of the registered user group displayed on the credential interaction page is triggered, generating a participation request and sending it to the server to add the user to the registered user group; step S1022 can also be replaced by: detecting that the identity rights claim control displayed on the credential interaction page is triggered, sending an identity rights claim request to the server to associate the identity rights with the identity credential, or allocating the identity rights to the user's payment account; step S1022 can also be replaced by: detecting that the login control of the identity credential displayed on the credential interaction page is triggered, sending the identity credential login processing to the server to log in to the merchant subprogram based on the identity credential; the settlement instruction is generated after successful login.

[0114] Steps S1008 to S1010 and S1020 to S1028 provided in this embodiment can be executed by a user terminal. It should be noted that the steps S1008 to S1010 and S1020 to S1028 executed by the user terminal can cooperate with steps S1012 to S1018 that can be executed by the server in the following embodiment, and can also cooperate with steps S1002 to S1006 that can be executed by the merchant device in the following embodiment. Therefore, when reading this embodiment, please refer to the corresponding content of steps S1012 to S1018 that can be executed by the server and steps S1002 to S1006 that can be executed by the merchant device provided in the following method embodiment. When reading the following method embodiment, please refer to the corresponding content of steps S1008 to S1010 and steps S1020 to S1028 provided in this embodiment.

[0115] The following example illustrates the application of a near-field communication-based order processing method in a payment scenario for unregistered members. Referring to Figure 11, the near-field communication-based order processing method applied to a payment scenario for unregistered members includes the following steps.

[0116] Step S1108: Invoke the NFC component to establish an NFC connection with the merchant device, and receive settlement information sent by the merchant device through the NFC connection.

[0117] Step S1110: Send the merchant identifier to the server.

[0118] Step S1118: Render the credential registration page containing settlement amount and identity credential registration data, and display the credential registration page.

[0119] Step S1120: Send a credential registration request to the server.

[0120] Previously, the user triggered the registration control configured on the credential registration page.

[0121] Step S1124: Receive identity rights sent by the server, and render and display the identity credential page based on the identity rights.

[0122] Step S1126: A settlement instruction based on identity credentials is detected, and the process redirects to the merchant subroutine and sends settlement information and user identifier.

[0123] Previously, users would submit a settlement instruction after triggering the settlement control configured on the identity credential page.

[0124] Step S1128: Order confirmation is performed in the merchant subprogram so that the merchant subprogram can settle the product information contained in the settlement information according to the identity rights associated with the identity credentials, obtain the settlement result, and obtain the delivery information entered through the merchant subprogram. After detecting the order placement instruction, the order is created based on the settlement information, settlement result, and delivery information, and an order payment instruction is generated to make the order payment.

[0125] Here, the user triggers the order placement command by activating the order placement control configured on the product page displayed by the merchant subprogram.

[0126] Step S1130: Order payment is performed in the merchant subroutine, so that the merchant subroutine calls the payment interface to perform order payment based on the order payment instruction;

[0127] The payment interface responds to the interface call by performing the following operations: querying the user's payment account identity and rights based on the user identifier carried in the order payment instruction, and making order payment to the merchant based on the identity and rights.

[0128] Steps S1108 to S1110, S1118 to S1120, and S1124 to S1130 provided in this embodiment are executable by a user terminal. It should be noted that steps S1108 to S1110, S1118 to S1120, and S1124 to S1130 executed by the user terminal can cooperate with steps S1112 to S1116 and S1122, which can be executed by a server in the following embodiments, during execution. Furthermore, steps S1112 and S1122, which can be executed by a server in the following embodiments, can also cooperate with steps S1112 to S1116 and S1122, which can be executed by a server in the following embodiments. Steps S1102 to S1106 executed by the customer device can also cooperate with each other during execution. Therefore, when reading this embodiment, please refer to the corresponding content of steps S1112 to S1116 and step S1122 that can be executed by the server, and steps S1102 to S1106 that can be executed by the merchant device, provided in the following method embodiment. When reading the following method embodiment, please refer to the corresponding content of steps S1108 to S1110, steps S1118 to S1120, and steps S1124 to S1130 provided in this embodiment.

[0129] One or more embodiments of the second order processing method based on near-field communication provided in this disclosure are as follows.

[0130] Referring to Figure 12, the order processing method based on near-field communication provided in this embodiment can be applied to a server, specifically including steps S1202 to S1208.

[0131] Step S1202: Receive settlement information sent by the user terminal.

[0132] In practical applications, there are situations where merchants have large venues and overcrowded checkout and / or payment areas. For example, large supermarkets and shopping malls have excessively large areas and fixed payment areas, requiring users to queue after shopping. To address this, this embodiment inputs settlement information into a handheld wireless merchant device and transmits the settlement information to the user terminal via NFC connection. This allows the user terminal to confirm and pay for orders within the merchant subroutine, enabling quick order creation, confirmation, and payment without the need for a physical cashier. Furthermore, the user terminal can also work with the server to query the user's identity credentials at the merchant and submit settlement instructions based on those credentials, achieving quick membership payment without a fixed cashier area.

[0133] In this embodiment, the merchant device refers to a handheld wireless device used to receive settlement information or product information input by merchant members and send the settlement information to the user terminal via NFC connection. Specifically, the merchant device may include an NFC device configured with a display component and an NFC component; the merchant device may also be configured with a client of a third-party application, through which the merchant device inputs settlement information. For example, the merchant device may be configured with a client of a payment application, through which the merchant device inputs settlement information; the merchant device may render a near-field payment page through the third-party application and send settlement information to the user terminal, that is, the user terminal may establish an NFC connection with the merchant device within the third-party application; optionally, the third-party application renders a near-field payment page by calling the near-field payment interface and sends settlement information to the user terminal.

[0134] Furthermore, the merchant device can be an internet-connected device that interacts with the merchant server to obtain settlement information for each product, allowing merchant members to select and input it. Simultaneously, it can send settlement information to the user terminal via the internet through a third-party application. Furthermore, the third-party application can also use the merchant device's network connection to call its own server to render the near-field payment page; the merchant device is only used to receive and display the near-field payment page. Alternatively, the merchant device can be an offline NFC device, storing settlement information for each product for merchant members to select and input. The third-party application is also an offline application, calling the near-field payment interface and rendering and displaying the near-field payment page through the merchant device's rendering component.

[0135] In practice, merchant members first interact with the merchant device to input settlement information. Upon receiving the settlement information, the merchant device renders and displays a near-field payment page for the settlement information. Simultaneously, it uses the NFC component to detect user terminals. If a user terminal is detected within the NFC broadcast range, the NFC component establishes an NFC connection with the detected user terminal and sends the settlement information to the user terminal via this NFC connection. The user terminal then uses the near-field communication component to establish an NFC connection with the merchant device, receives the settlement information transmitted by the merchant device via this NFC connection, and sends the settlement information to the server. The server receives the settlement information sent by the user terminal. Optionally, the settlement information is sent from the merchant device to the user terminal via the established near-field communication connection.

[0136] In this embodiment, settlement information refers to the settlement information of the goods entered by the merchant member. Specifically, it may be the goods' details, the settlement amount, the merchant's information, the goods' receipt information, etc., or it may be a combination of two or more of the above information. This embodiment does not limit this. Optionally, settlement information includes goods information and merchant identification; wherein, goods information includes goods details and / or settlement amount.

[0137] Specifically, settlement information can be entered by the merchant member on the settlement page displayed on the merchant device. After obtaining the settlement information, the merchant device can also render and display the near-field payment page for the settlement information. That is, the merchant device obtains the settlement information entered through the settlement page and renders and displays the near-field payment page for the settlement information. As shown in Figures 3 and 4, the merchant member triggers the "Create Order" button 301 on the first settlement page shown in Figure 3(a), enters the second settlement page shown in Figure 3(b), and enters the product information and the merchant's identifier on the second settlement page before triggering the "Submit" button 302, entering the third settlement page shown in Figure 3(c). After triggering the "Initiate Payment" button 303 on the third settlement page, the merchant member displays the near-field payment page shown in Figure 4, which guides the user terminal to establish a near-field communication connection with the merchant device. In addition, the merchant identifier can also be written into the settlement page through the merchant device. That is, the merchant device generates a settlement page carrying the merchant identifier, and the merchant member enters the product information on the settlement page to obtain the settlement information on the settlement page.

[0138] In practice, while the merchant device displays the near-field payment page, or after the merchant device displays the near-field payment page, it can also call the near-field communication component to detect the user terminal and establish an NFC connection with the detected user terminal to send settlement information to the user terminal. Optionally, the near-field communication connection is established after the merchant device obtains the settlement information entered on the settlement page and renders and displays the near-field payment page containing the settlement information. Optionally, the near-field communication connection is established after the merchant device calls the near-field communication component to detect the user terminal; the invocation of the near-field communication component is performed after obtaining the settlement information entered on the settlement page and rendering the near-field payment page containing the settlement information.

[0139] In addition, if the merchant device fails to detect a user terminal when calling the near-field communication (NFC) component, or if the merchant device fails to establish an NFC connection with the user terminal using the NFC component, a NFC reminder page can be displayed. This NFC reminder page can be displayed after the NFC payment page display time expires, reminding the user to turn on NFC and bring the device close to the merchant device for NFC connection. Specifically, the merchant device can use detection components such as infrared components and image acquisition components to detect the presence of a user terminal near the merchant device. If a user terminal is detected and the NFC connection fails, the NFC reminder page can be displayed. Optionally, after detecting a user terminal, the merchant device's detection component can call the NFC component to establish a NFC connection with the detected user terminal. If the connection fails, the NFC reminder page will be displayed.

[0140] It should be noted that the near-field payment page displayed on the merchant device can also be replaced with a scan payment page. Specifically, after detecting a near-field payment page switching instruction, the merchant device renders and switches to the scan payment page carrying the payment code and order amount. As shown in Figure 5, after a merchant member triggers the near-field payment page switching button 501, the merchant device renders and switches to the scan payment page carrying the payment code and order amount. Furthermore, when the merchant device displays the scan payment page, the user terminal can scan the payment code and jump to the merchant subroutine based on the scan result to confirm the order and make payment in the merchant subroutine. In an optional implementation provided in this embodiment, it further includes: scanning the payment code and decoding the payment code, jumping to the merchant subroutine based on the decoding result and sending the settlement information and the user identifier to confirm the order and make payment in the merchant subroutine.

[0141] Step S1204: Perform an identity credential query based on the user identifier and the merchant identifier contained in the settlement information.

[0142] This embodiment enables payment based on identity credentials outside the settlement area by having the user terminal cooperate with the server. By sending settlement information to the server, the server can determine the user's identity credentials status with the merchant and whether the user is a registered user of the merchant.

[0143] In practice, identity credentials are queried based on the user identifier and the merchant identifier contained in the settlement information. The user's identity credential status with the merchant is determined based on the query results. Specifically, the identity credential status of the user corresponding to the merchant identifier can be queried in the merchant's user registration form based on the merchant identifier.

[0144] In this embodiment, the identity credential refers to the user's registered identity credential with the merchant. Specifically, the identity credential can be the user's registered membership with the merchant. Correspondingly, when a user has registered a membership with the merchant, the identity credential status can be the user's membership status with the merchant, and the identity credential data can be the user's membership points, membership balance, membership group owner status, membership benefits, etc. Furthermore, when a user has not registered a membership with the merchant, the identity credential status can be the user's unregistered membership status with the merchant, and the identity credential data can be the merchant's identity credential registration data, such as the merchant's membership promotional information. Optionally, if the identity credential status is unregistered, the identity credential data includes the merchant's identity credential registration data.

[0145] During the specific identity credential query process, the server can query whether there is a user corresponding to the user identifier in the merchant based on the user identifier and the merchant identifier, and determine the user's identity credential status in the merchant based on the query results. In one optional implementation of this embodiment, the identity credential query includes: querying whether the user has registered for identity credential in the merchant based on the user identifier and the merchant identifier contained in the settlement information; if yes, the identity credential status is determined to be a registered status; if no, the identity credential status is determined to be an unregistered status.

[0146] Specifically, the server can store the registered user table for each merchant. The server determines the registered user table for a merchant based on the merchant identifier, and checks whether there is a registered user corresponding to the user identifier in the registered user table for that merchant. If there is, the user's identity credential status is determined to be registered; if not, the user's identity credential status is determined to be unregistered.

[0147] In addition, each merchant can store its own registered user table in its corresponding merchant server. The server can call the query interface of the corresponding merchant server to query the registered user table based on the merchant identifier, and check whether there is a registered user corresponding to the user identifier in the registered user table. Based on the query result, the user's identity credential status is determined. In another optional implementation provided in this embodiment, the identity credential query includes: calling the query interface of the merchant corresponding to the merchant identifier to query the registered user, and determining whether the user corresponding to the user identifier has registered with the merchant based on the query result. If yes, the identity credential status is determined to be registered; if no, the identity credential status is determined to be unregistered.

[0148] Step S1206: Based on the user's identity credential status in the merchant's database, obtain the identity credential data corresponding to the identity credential status and send it to the user terminal.

[0149] In practice, based on the user's identity credential status at the merchant, the system queries the identity credential data corresponding to the user's identity credential status and sends it to the user's terminal; the user's terminal renders and displays the identity credential page based on the settlement information sent by the merchant's device and the identity credential data sent by the server.

[0150] In practice, merchants can issue various identity benefits and / or preferential benefits to registered users. Merchants can also invite registered users to join a registered user group for management and maintenance. For registered users, the server can use the user's identity credential information, the identity benefits associated with the identity credential, and the registered user group and / or the user's status in the registered user group as identity credential data. In the optional implementation provided in this embodiment, if the identity credential status is registered, the identity credential data corresponding to the user's identity credential status in the merchant is obtained, including: obtaining the credential information of the identity credential registered by the user in the merchant, and the identity benefits associated with the identity credential; and determining the registered user group created by the merchant for the registered user with the registered identity credential.

[0151] In addition, merchants can issue pending identity benefits and / or preferential benefits to unregistered users. That is, the benefits that users can obtain after registering with the merchant. For unregistered users, the server can send the merchant's identity credential registration data as identity credential data to the user terminal.

[0152] Optionally, if the identity credential status is registered, obtaining identity credential data and sending it to the user terminal includes: obtaining the credential information of the identity credential registered by the user with the merchant, and the identity rights associated with the identity credential; determining the registered user group created by the merchant for the registered user with the registered identity credential; and sending the credential information, the identity rights, and the registered user group to the user terminal. If the identity credential status is unregistered, obtaining the merchant's identity credential registration data and sending it to the user terminal. For example, merchant's identity credential registration promotional data.

[0153] Step S1208: In conjunction with the user terminal, identity credential processing is performed so that the user terminal, upon detecting a settlement instruction based on identity credential, jumps to the merchant subroutine to confirm and pay the order.

[0154] This embodiment renders and displays the payment page corresponding to the identity credential by using the settlement information sent by the merchant's device and the identity credential data issued by the server. This transfers the functions of the merchant's cashier to the user terminal. The user terminal performs order creation, order confirmation, and order payment, while the merchant's device transmits the settlement information. This enables fast order payment in scenarios such as retail, supermarkets, and large shopping venues, avoiding the efficiency problems caused by the excessive concentration of settlement and cashier areas.

[0155] In practice, the user terminal first renders and displays the identity credential page based on the settlement information sent by the merchant's device and the identity credential data issued by the server. Then, it cooperates with the server to process the identity credential based on the user's trigger command for the displayed identity credential page. The server cooperates with the user terminal to process the identity credential based on various requests submitted by the user terminal. After the identity credential processing is completed, the user terminal jumps to the merchant subroutine to confirm the order and make the order payment after detecting the settlement command based on the identity credential.

[0156] Specifically, when the user's identity credential status is registered, identity credential processing is performed in conjunction with the user terminal, including: if a participation request is received from the user terminal, adding the user to the registered user group; if a request to claim identity benefits is received from the user terminal, associating the identity benefits with the identity credential, or allocating the identity benefits to the user's payment account; if a login request is received after the login control configured on the credential interaction page by the user terminal is triggered, performing login processing for the identity credential; the settlement instruction is generated after successful login processing. When the user's identity credential status is unregistered, identity credential processing is performed in conjunction with the user terminal, including: obtaining a registration request submitted by the user terminal triggering the registration control, and performing identity credential registration processing for the user at the merchant based on the registration request.

[0157] It should be noted that after registration, the user terminal can display the page after identity credential registration. The user terminal can cooperate with the server to process identity credential in the registration state. The specific cooperation process is the same as the registration state described above, and will not be repeated here in this embodiment.

[0158] In this embodiment, a merchant subroutine refers to a subroutine configured by the merchant within the application for creating, confirming, and paying for product orders. Specifically, a merchant subroutine can be a subroutine configured by the merchant within a third-party application, such as a subroutine configured within a payment application, so that the user can jump from the identity credential page displayed by the third-party application to the merchant subroutine in the third-party application.

[0159] During the actual execution process, when the user terminal renders and displays the page, it needs to interact with the server and call various components, such as the rendering component, which requires some processing time. To address this, a loading page can be rendered and displayed to indicate to the user that the user terminal is currently processing the rendering. As shown in Figure 6, the loading page is displayed before the identity credential page. Furthermore, since different user terminals may use different operating systems, the loading page can be rendered and displayed for different operating systems. Alternatively, a notification to display the identity credential page can be shown on the lock screen or desktop, prompting the user to trigger the display button to access the identity credential page.

[0160] In the specific execution process, different identity credential pages can be rendered according to the identity credential status of different users. For registered users, the identity credential page can be rendered according to the settlement amount, identity credential information, identity rights, etc. contained in the settlement information, and the identity credential processing can be carried out in cooperation with the server according to the different trigger commands of the users. For unregistered users, the identity credential page can be rendered according to the settlement amount contained in the settlement information and the merchant's identity credential registration data, and the identity credential processing can be carried out in cooperation with the server according to the different trigger commands of the users. The following describes the identity credential pages for registered and unregistered status respectively. (1) Registered status

[0161] For registered users, the identity credential page can display available membership benefits, remaining membership benefits in the member account, credential information corresponding to the membership level, settlement amount, etc., so that users can quickly perceive the identity credential data. In one optional implementation of this embodiment, page rendering and display includes: rendering and displaying the identity credential interaction page based on the settlement amount, credential information, and membership benefits contained in the settlement information.

[0162] Optionally, the credential interaction page is configured with a login control, a control for claiming the identity rights, and / or a control for participating in the user group.

[0163] As shown in Figure 7, the voucher interaction page is configured with a login button 701, a coupon redemption button 702, and a member group participation button 703. The voucher interaction page also displays the settlement amount and the user's points and balance in the member account.

[0164] In the specific execution process, users can trigger different controls configured on the identity credential page and send the corresponding requests to the server to cooperate with the server in processing the corresponding identity credential. In one optional implementation provided in this embodiment, cooperating with the server in processing the identity credential includes: if the participation control is triggered, generating a participation request and sending it to the server to add the user to the registered user group; if the claim control is triggered, sending a claim request for the identity rights to the server to associate the identity rights with the identity credential, or allocating the identity rights to the user's payment account; if the login control is triggered, cooperating with the server in logging in with the identity credential.

[0165] Optionally, the settlement instruction is generated after successful login processing.

[0166] Continuing with the previous example, after the user triggers the login button 701, they submit a login command to the server. The server then calls the merchant subroutine's access interface based on the login command, allowing the user terminal to enter the merchant subroutine based on their identity credentials. In other words, the user submits a settlement command based on their identity credentials to their terminal by triggering the login button 701. After the user triggers the claim button 702, they generate an identity rights claim request and send it to the server. The server associates the identity rights with the user's identity credentials at the merchant, or adds the identity rights to the user's payment account in the payment application. After the user triggers the participate button 703, they generate a participate request and send it to the server. The server adds the user to the member group created by the merchant in the payment application.

[0167] In addition, the credential interaction page can also be configured with a login cancellation control. After the user triggers the login cancellation control, the user terminal and the server cooperate to process the identity credentials so that the user can enter the merchant subprogram in an unregistered state. Continuing with the previous example, after the user triggers the login cancellation button 704, a login cancellation instruction is submitted to the server. The server calls the access interface of the merchant subprogram based on the login cancellation instruction so that the user terminal can enter the merchant subprogram in an unregistered state. (2) Unregistered state

[0168] For users who are not registered, the membership benefits to be claimed and the settlement amount can be displayed on the identity credential page so that users can quickly understand the benefits they can obtain after registering their identity credential. In one optional implementation of this embodiment, the page rendering and display includes: rendering a credential registration page that includes the settlement amount contained in the settlement information and the identity credential registration data, and displaying the credential registration page.

[0169] Optionally, the credential registration page is configured with a registration control for identity credentials.

[0170] As shown in Figure 8(a), the credential registration page displays the settlement amount and the rights that can be obtained after registering the identity credential. The credential registration page is also equipped with a registration button 801 for the identity credential.

[0171] Furthermore, after a user triggers the registration control configured on the credential registration page, they can cooperate with the server to perform credential registration processing and associate identity rights with identity credentials. The identity credential page is then rendered and displayed based on these identity rights, allowing the user to perceive the identity credential registration. In one optional implementation of this embodiment, cooperating with the server to perform identity credential processing includes: if the registration control configured on the credential registration page is triggered, sending a credential registration request to the server to register the user's identity credential with the merchant and obtain the identity credential; receiving the identity rights associated with the identity credential issued by the server, and rendering and displaying the identity credential page based on these identity rights.

[0172] Optionally, the settlement instruction is generated after the settlement control configured on the identity credential page is triggered.

[0173] Specifically, after a user triggers the registration control configured on the credential registration page, a credential registration request is sent to the server. The server can add the user to the registered user table stored by the merchant on the server, or the server can call the registration interface of the merchant server to register the user's identity credential and issue the identity rights associated with the identity credential to the user's terminal, so as to issue merchant preferential rights to the identity credential and payment preferential rights to the payment account.

[0174] In the specific execution process, after the user terminal displays the identity credential page, the user can trigger the controls displayed on the identity credential page to cooperate with the server to process the identity credential. Specifically, the user can trigger the participation control configured on the identity credential page to join the registered user group, or trigger the identity rights claim control to claim the rights. In an optional implementation provided in this embodiment, after rendering and displaying the identity credential page based on identity rights, the method further includes: if the participation control of the registered user group configured on the identity credential page is triggered, cooperating with the server to add the user to the registered user group; if the identity rights claim control configured on the identity credential page is triggered, cooperating with the server to associate the identity rights with the identity credential, or to allocate the identity rights to the user's payment account.

[0175] As shown in Figure 8(b), when a user triggers the "Participate" button 802 of the member group configured on the identity credential page, they submit a group participation instruction to the server. The server then adds the user to the registered user group created by the merchant in the payment application. When a user triggers the "Claim Identity Benefits" button 803 of the identity credential page, they submit a benefit claim instruction to the server. The server then associates the merchant's preferential benefits with the user's identity credential at the merchant, or allocates the payment preferential benefits to the user's payment account, depending on the type of benefit. The user can also trigger the "Payment" button 804 of the identity credential page to redirect them to the merchant's subroutine and confirm and pay for the order based on their identity credential. In other words, the user submits a settlement instruction based on their identity credential to the user terminal by triggering the payment button 804.

[0176] In addition, the identity credentials page can also be configured with a login cancellation control. After a user triggers the login cancellation control, the user's terminal and the server cooperate to process the identity credentials, allowing the user to enter the merchant subprogram in an unregistered state. Continuing with the previous example, after the user triggers the login cancellation button 805, a login cancellation command is submitted to the server. The server then calls the merchant subprogram's access interface based on the login cancellation command, allowing the user's terminal to enter the merchant subprogram in an unregistered state.

[0177] In the specific execution process, after receiving the settlement information and user identifier sent by the user terminal, the merchant subprogram can create a product page for the goods included in the settlement information based on the settlement information and user identifier, and settle the product according to the identity rights associated with the user's identity credentials to obtain the settlement amount. After obtaining the order instruction submitted by the user on the product page, the subprogram creates a product order based on the settlement amount and generates an order payment instruction to make the order payment. In an optional implementation method provided in this embodiment, order confirmation in the merchant subprogram includes: settling the product information included in the settlement information according to the identity rights associated with the identity credentials to obtain the settlement result; if an order instruction is detected, creating an order based on the settlement information and the settlement result, and generating an order payment instruction to make the order payment.

[0178] As shown in Figure 9, a product page is generated based on the product information contained in the settlement information, and the product amount is settled based on the identity rights associated with the user's identity credentials to obtain the settlement result. The user can trigger the order button 901 configured on the product page to submit the order instruction, so that the merchant subprogram can create a product order and generate an order payment instruction based on the settlement result and product information to process the order payment.

[0179] Furthermore, the goods included in the settlement information can also be delivered to the user via logistics delivery. Here, the user can add the delivery information for the product on the product page, and calculate the settlement result based on the product amount, delivery fee, and identity rights included in the settlement information. In addition, the goods included in the settlement information may also be gifts to the user; that is, the settlement result can be calculated based on the delivery fee and identity rights. In one optional implementation of this embodiment, order confirmation in the merchant subroutine includes: settling the product information included in the settlement information according to the identity rights associated with the identity credential to obtain a settlement result, and / or obtaining the delivery information input through the merchant subroutine; if an order placement instruction is detected, an order is created based on the settlement information, the settlement result, and / or the delivery information, and an order payment instruction is generated for order payment.

[0180] Using the previous example, users can also trigger the "Add Delivery Address" button 902 configured on the product page to add delivery information and calculate the settlement result including delivery fees, so that the merchant subprogram can create a product order and generate an order payment instruction based on the settlement result, product information and delivery address to process the order payment.

[0181] During the specific order payment process, the merchant subprogram can call the payment interface to make the order payment based on the generated order payment instruction. Specifically, it can call the payment interface of a third-party application to make the order payment. This third-party application can be the application that establishes the NFC connection and displays the identity certificate page mentioned above, such as a payment application. In one optional implementation of this embodiment, making the order payment in the merchant subprogram includes: calling the payment interface to make the order payment based on the order payment instruction generated by the merchant subprogram.

[0182] Optionally, the payment interface response and interface call perform the following operations: make an order payment to the merchant according to the payment information carried in the order payment instruction, or query the user's payment account identity rights according to the user identifier carried in the order payment instruction, and make an order payment to the merchant based on the identity rights.

[0183] For example, after generating an order payment instruction, the merchant subroutine calls the payment interface of the payment application to make the order payment. The server of the payment application queries the user's payment account identity rights according to the user identifier carried in the order payment instruction, calculates the amount to be transferred from the user's account based on the identity rights, and transfers the amount to the merchant's account to make the order payment. It also performs rights verification for the merchant based on the identity rights.

[0184] In summary, the one or more order processing methods based on near-field communication provided in this embodiment can be applied to a server. During order processing, the server receives settlement information sent by the user terminal, queries the mechanical identity credential based on the user identifier and the merchant identifier contained in the settlement information, obtains the identity credential data corresponding to the user's identity credential status in the merchant, and sends it to the user terminal to cooperate with the user terminal in processing the identity credential. This allows the user terminal to jump to the merchant subroutine for order confirmation and payment after detecting the settlement instruction based on the identity credential. This achieves order creation, order confirmation, and order payment without the need for a cashier device, improving order processing efficiency and avoiding the inefficiency problem in scenarios with concentrated cashier areas.

[0185] Furthermore, different identity credential pages can be rendered based on the user's identity credential status, allowing users to perceive the benefits they will enjoy after registering their identity credential or the benefits available for this order before payment, thus improving user awareness. Even further, the identity credential page can be configured with multiple controls, allowing users to claim various identity benefits and join user groups before payment, avoiding the complex process of claiming coupons first and then processing the order. Additionally, different controls can be configured for the identity credential pages of unregistered and registered users, allowing unregistered users to perceive the benefits they can obtain after registering their identity credential, improving order processing efficiency and enhancing user experience.

[0186] The following uses the application of a near-field communication-based order processing method in a member payment scenario as an example to further illustrate the near-field communication-based order processing method provided in this embodiment. Referring to Figure 10, the near-field communication-based order processing method applied to the registered member payment scenario specifically includes the following steps.

[0187] Step S1012: Receive settlement information sent by the user terminal, and query the user's identity credentials registered with the merchant based on the user's user ID and merchant ID.

[0188] Step S1014: Obtain the credential information of the user's identity credentials registered with the merchant, as well as the identity rights associated with the identity credentials.

[0189] Step S1016: Determine the registered user group created by the merchant for registered users with registered identity credentials.

[0190] Step S1018: Send the credential information, identity rights, and registered user group as identity credential data to the user terminal.

[0191] The following example illustrates the application of a near-field communication-based order processing method in a payment scenario for unregistered members. Referring to Figure 11, the near-field communication-based order processing method applied to a payment scenario for unregistered members includes the following steps.

[0192] Step S1112: Receive settlement information sent by the user terminal, and query the user's identity credentials at the merchant based on the user's user ID and merchant ID.

[0193] Step S1114: If the identity credential status is unregistered, obtain the merchant's identity credential registration data.

[0194] Step S1116: Send identity credential data to the user terminal.

[0195] Step S1122: Register the user's identity credentials to obtain identity credentials, and send the identity rights associated with the identity credentials to the user terminal.

[0196] One or more embodiments of the third order processing method based on near-field communication provided in this disclosure are as follows.

[0197] Referring to Figure 13, the order processing method based on near-field communication provided in this embodiment can be applied to merchant equipment, specifically including steps S1302 to S1306.

[0198] Step S1302: Obtain the settlement information entered through the settlement page, and render and display the near-field payment page containing the settlement information.

[0199] In practical applications, there are situations where merchants have large venues and overcrowded checkout and / or payment areas. For example, large supermarkets and shopping malls have excessively large areas and fixed payment areas, requiring users to queue after shopping. To address this, this embodiment inputs settlement information into a handheld wireless merchant device and transmits the settlement information to the user terminal via NFC connection. This allows the user terminal to confirm and pay for orders within the merchant subroutine, enabling quick order creation, confirmation, and payment without the need for a physical cashier. Furthermore, the user terminal can also work with the server to query the user's identity credentials at the merchant and submit settlement instructions based on those credentials, achieving quick membership payment without a fixed cashier area.

[0200] In this embodiment, the merchant device refers to a handheld wireless device used to receive settlement information or product information input by merchant members and send the settlement information to the user terminal via NFC connection. Specifically, the merchant device may include an NFC device configured with a display component and an NFC component; the merchant device may also be configured with a client of a third-party application, through which the merchant device inputs settlement information. For example, the merchant device may be configured with a client of a payment application, through which the merchant device inputs settlement information; the merchant device may render a near-field payment page through the third-party application and send settlement information to the user terminal, that is, the user terminal may establish an NFC connection with the merchant device within the third-party application; optionally, the third-party application renders a near-field payment page by calling the near-field payment interface and sends settlement information to the user terminal.

[0201] Furthermore, the merchant device can be an internet-connected device that interacts with the merchant server to obtain settlement information for each product, allowing merchant members to select and input it. Simultaneously, it can send settlement information to the user terminal via the internet through a third-party application. Furthermore, the third-party application can also use the merchant device's network connection to call its own server to render the near-field payment page; the merchant device is only used to receive and display the near-field payment page. Alternatively, the merchant device can be an offline NFC device, storing settlement information for each product for merchant members to select and input. The third-party application is also an offline application, calling the near-field payment interface and rendering and displaying the near-field payment page through the merchant device's rendering component.

[0202] In practice, merchant members interact with the settlement page displayed on the merchant's device to obtain the settlement information entered on the settlement page, and then render and display the near-field payment page based on the settlement information.

[0203] In this embodiment, settlement information refers to the settlement information of the goods entered by the merchant member. Specifically, it may be the goods' details, the settlement amount, the merchant's information, the goods' receipt information, etc., or it may be a combination of two or more of the above information. This embodiment does not limit this. Optionally, settlement information includes goods information and merchant identification; wherein, goods information includes goods details and / or settlement amount.

[0204] Specifically, settlement information can be entered by the merchant member on the settlement page displayed on the merchant device. After obtaining the settlement information, the merchant device can also render and display the near-field payment page for the settlement information. That is, the merchant device obtains the settlement information entered through the settlement page and renders and displays the near-field payment page for the settlement information. As shown in Figures 3(a), 3(b), 3(c), and 4, the merchant member triggers the "Create Order" button 301 on the first settlement page shown in Figure 3(a), enters the second settlement page shown in Figure 3(b), and enters the product information and the merchant's identifier on the second settlement page before triggering the "Submit" button 302, entering the third settlement page shown in Figure 3(c). After triggering the "Initiate Payment" button 303 on the third settlement page, the merchant member displays the near-field payment page shown in Figure 4, which guides the user terminal to establish a near-field communication connection with the merchant device. In addition, the merchant identifier can also be written into the settlement page through the merchant device. That is, the merchant device generates a settlement page carrying the merchant identifier, and the merchant member enters product information on the settlement page to obtain the settlement information on the settlement page.

[0205] In practice, while the merchant device displays the near-field payment page, or after the merchant device displays the near-field payment page, it can also call the near-field communication component to detect the user terminal and establish an NFC connection with the detected user terminal to send settlement information to the user terminal. Optionally, the near-field communication connection is established after the merchant device obtains the settlement information entered on the settlement page and renders and displays the near-field payment page containing the settlement information. Optionally, the near-field communication connection is established after the merchant device calls the near-field communication component to detect the user terminal; the invocation of the near-field communication component is performed after obtaining the settlement information entered on the settlement page and rendering the near-field payment page containing the settlement information.

[0206] Step S1304: Call the near-field communication component to detect the user terminal and establish a near-field communication connection with the detected user terminal.

[0207] In practice, the NFC component is invoked to detect the user terminal, and a near-field communication connection is established with the user terminal if the user terminal is detected.

[0208] In addition, if the merchant device fails to detect a user terminal when calling the near-field communication (NFC) component, or if the merchant device fails to establish an NFC connection with the user terminal using the NFC component, a NFC reminder page can be displayed. This NFC reminder page can be displayed after the NFC payment page display time expires, reminding the user to turn on NFC and bring the device close to the merchant device for NFC connection. Specifically, the merchant device can use detection components such as infrared components and image acquisition components to detect the presence of a user terminal near the merchant device. If a user terminal is detected and the NFC connection fails, the NFC reminder page can be displayed. Optionally, after detecting a user terminal, the merchant device's detection component can call the NFC component to establish a NFC connection with the detected user terminal. If the connection fails, the NFC reminder page will be displayed.

[0209] It should be noted that the near-field payment page displayed on the merchant device can also be replaced with a scan payment page. Specifically, after detecting a near-field payment page switching instruction, the merchant device renders and switches to the scan payment page carrying the payment code and order amount. As shown in Figure 5, after a merchant member triggers the near-field payment page switching button 501, the merchant device renders and switches to the scan payment page carrying the payment code and order amount. Furthermore, when the merchant device displays the scan payment page, the user terminal can scan the payment code and jump to the merchant subroutine based on the scan result to confirm the order and make payment in the merchant subroutine. In an optional implementation provided in this embodiment, it further includes: scanning the payment code and decoding the payment code, jumping to the merchant subroutine based on the decoding result and sending the settlement information and the user identifier to confirm the order and make payment in the merchant subroutine.

[0210] Step S1306: Send the settlement information to the user terminal through the near-field communication connection, so that the user terminal can cooperate with the server to process identity credentials based on the settlement information, and jump to the merchant subroutine to confirm the order and make the order payment based on the settlement instruction of the user's identity credentials in the merchant.

[0211] In practice, the merchant device sends settlement information to the user terminal via NFC connection. After receiving the settlement information, the user terminal forwards it to the server to process identity credentials based on the settlement information and in cooperation with the server. Based on the user's settlement instructions using the merchant's identity credentials, the user is redirected to the merchant subroutine for order confirmation and payment.

[0212] In this embodiment, the identity credential refers to the user's registered identity credential with the merchant. Specifically, the identity credential can be the user's registered membership with the merchant. Correspondingly, when a user has registered a membership with the merchant, the identity credential status can be the user's membership status with the merchant, and the identity credential data can be the user's membership points, membership balance, membership group owner status, membership benefits, etc. Furthermore, when a user has not registered a membership with the merchant, the identity credential status can be the user's unregistered membership status with the merchant, and the identity credential data can be the merchant's identity credential registration data, such as the merchant's membership promotional information. Optionally, if the identity credential status is unregistered, the identity credential data includes the merchant's identity credential registration data.

[0213] During the specific identity credential query process, the server can query whether there is a user corresponding to the user identifier in the merchant based on the user identifier and the merchant identifier, and determine the user's identity credential status in the merchant based on the query results. In one optional implementation of this embodiment, the identity credential query includes: querying whether the user has registered for identity credential in the merchant based on the user identifier and the merchant identifier contained in the settlement information; if yes, the identity credential status is determined to be a registered status; if no, the identity credential status is determined to be an unregistered status.

[0214] Specifically, the server can store the registered user table for each merchant. The server determines the registered user table for a merchant based on the merchant identifier, and checks whether there is a registered user corresponding to the user identifier in the registered user table for that merchant. If there is, the user's identity credential status is determined to be registered; if not, the user's identity credential status is determined to be unregistered.

[0215] In addition, each merchant can store its own registered user table in its corresponding merchant server. The server can call the query interface of the corresponding merchant server to query the registered user table based on the merchant identifier, and check whether there is a registered user corresponding to the user identifier in the registered user table. Based on the query result, the user's identity credential status is determined. In another optional implementation provided in this embodiment, the identity credential query includes: calling the query interface of the merchant corresponding to the merchant identifier to query the registered user, and determining whether the user corresponding to the user identifier has registered with the merchant based on the query result. If yes, the identity credential status is determined to be registered; if no, the identity credential status is determined to be unregistered.

[0216] In practice, merchants can issue various identity benefits and / or preferential benefits to registered users. Merchants can also invite registered users to join a registered user group for management and maintenance. For registered users, the server can use the user's identity credential information, the identity benefits associated with the identity credential, and the registered user group and / or the user's status in the registered user group as identity credential data. In one optional implementation of this embodiment, if the identity credential status is registered, the identity credential data corresponding to the user's identity credential status in the merchant is obtained, including: obtaining the credential information of the identity credential registered by the user in the merchant, and the identity benefits associated with the identity credential; and determining the registered user group created by the merchant for the registered user with the registered identity credential.

[0217] In addition, merchants can issue pending identity benefits and / or preferential benefits to unregistered users. That is, the benefits that users can obtain after registering with the merchant. For unregistered users, the server can send the merchant's identity credential registration data as identity credential data to the user terminal.

[0218] During the actual execution process, when the user terminal renders and displays the page, it needs to interact with the server and call various components, such as the rendering component, which requires some processing time. To address this, a loading page can be rendered and displayed to indicate to the user that the user terminal is currently processing the rendering. As shown in Figure 6, the loading page is displayed before the identity credential page. Furthermore, since different user terminals may use different operating systems, the loading page can be rendered and displayed for different operating systems. Alternatively, a notification to display the identity credential page can be shown on the lock screen or desktop, prompting the user to trigger the display button to access the identity credential page.

[0219] In the specific execution process, different identity credential pages can be rendered according to the identity credential status of different users. For registered users, the identity credential page can be rendered according to the settlement amount, identity credential information, identity rights, etc. contained in the settlement information, and the identity credential processing can be carried out in cooperation with the server according to the different trigger commands of the users. For unregistered users, the identity credential page can be rendered according to the settlement amount contained in the settlement information and the merchant's identity credential registration data, and the identity credential processing can be carried out in cooperation with the server according to the different trigger commands of the users. The following describes the identity credential pages for registered and unregistered status respectively. (1) Registered status

[0220] For registered users, the identity credential page can display available membership benefits, remaining membership benefits in the member account, credential information corresponding to the membership level, settlement amount, etc., so that users can quickly perceive the identity credential data. In one optional implementation of this embodiment, page rendering and display includes: rendering and displaying the identity credential interaction page based on the settlement amount, credential information, and membership benefits contained in the settlement information.

[0221] Optionally, the credential interaction page is configured with a login control, a control for claiming the identity rights, and / or a control for participating in the user group.

[0222] As shown in Figure 7, the voucher interaction page is configured with a login button 701, a coupon redemption button 702, and a member group participation button 703. The voucher interaction page also displays the settlement amount and the user's points and balance in the member account.

[0223] In the specific execution process, users can trigger different controls configured on the identity credential page and send the corresponding requests to the server to cooperate with the server in processing the corresponding identity credential. In one optional implementation provided in this embodiment, cooperating with the server in processing the identity credential includes: if the participation control is triggered, generating a participation request and sending it to the server to add the user to the registered user group; if the claim control is triggered, sending a claim request for the identity rights to the server to associate the identity rights with the identity credential, or allocating the identity rights to the user's payment account; if the login control is triggered, cooperating with the server in logging in with the identity credential.

[0224] Optionally, the settlement instruction is generated after successful login processing.

[0225] Continuing with the previous example, after the user triggers the login button 701, they submit a login command to the server. The server then calls the merchant subroutine's access interface based on the login command, allowing the user terminal to enter the merchant subroutine based on their identity credentials. In other words, the user submits a settlement command based on their identity credentials to their terminal by triggering the login button 701. After the user triggers the claim button 702, they generate an identity rights claim request and send it to the server. The server then associates the identity rights with the user's identity credentials at the merchant, or adds the identity rights to the user's payment account in the payment application. After the user triggers the participate button 703, they generate a participate request and send it to the server. The server then adds the user to the member group created by the merchant in the payment application.

[0226] In addition, the credential interaction page can also be configured with a login cancellation control. After the user triggers the login cancellation control, the user terminal and the server cooperate to process the identity credentials so that the user can enter the merchant subprogram in an unregistered state. Continuing with the previous example, after the user triggers the login cancellation button 704, a login cancellation instruction is submitted to the server. The server calls the access interface of the merchant subprogram based on the login cancellation instruction so that the user terminal can enter the merchant subprogram in an unregistered state. (2) Unregistered state

[0227] For users who are not registered, the membership benefits to be claimed and the settlement amount can be displayed on the identity credential page so that users can quickly understand the benefits they can obtain after registering their identity credential. In one optional implementation of this embodiment, the page rendering and display includes: rendering a credential registration page that includes the settlement amount contained in the settlement information and the identity credential registration data, and displaying the credential registration page.

[0228] Optionally, the credential registration page is configured with a registration control for identity credentials.

[0229] As shown in Figure 8(a), the credential registration page displays the settlement amount and the rights that can be obtained after registering the identity credential. The credential registration page is also equipped with a registration button 801 for the identity credential.

[0230] Furthermore, after a user triggers the registration control configured on the credential registration page, they can cooperate with the server to perform credential registration processing and associate identity rights with identity credentials. The identity credential page is then rendered and displayed based on these identity rights, allowing the user to perceive the identity credential registration. In one optional implementation of this embodiment, cooperating with the server to perform identity credential processing includes: if the registration control configured on the credential registration page is triggered, sending a credential registration request to the server to register the user's identity credential with the merchant and obtain the identity credential; receiving the identity rights associated with the identity credential issued by the server, and rendering and displaying the identity credential page based on these identity rights.

[0231] Optionally, the settlement instruction is generated after the settlement control configured on the identity credential page is triggered.

[0232] Specifically, after a user triggers the registration control configured on the credential registration page, a credential registration request is sent to the server. The server can add the user to the registered user table stored by the merchant on the server, or the server can call the registration interface of the merchant server to register the user's identity credential and issue the identity rights associated with the identity credential to the user's terminal, so as to issue merchant preferential rights to the identity credential and payment preferential rights to the payment account.

[0233] In the specific execution process, after the user terminal displays the identity credential page, the user can trigger the controls displayed on the identity credential page to cooperate with the server to process the identity credential. Specifically, the user can trigger the participation control configured on the identity credential page to join the registered user group, or trigger the identity rights claim control to claim the rights. In an optional implementation provided in this embodiment, after rendering and displaying the identity credential page based on identity rights, the method further includes: if the participation control of the registered user group configured on the identity credential page is triggered, cooperating with the server to add the user to the registered user group; if the identity rights claim control configured on the identity credential page is triggered, cooperating with the server to associate the identity rights with the identity credential, or to allocate the identity rights to the user's payment account.

[0234] As shown in Figure 8(b), when a user triggers the "Participate" button 802 of the member group configured on the identity credential page, they submit a group participation instruction to the server. The server then adds the user to the registered user group created by the merchant in the payment application. When a user triggers the "Claim Identity Benefits" button 803 of the identity credential page, they submit a benefit claim instruction to the server. The server then associates the merchant's preferential benefits with the user's identity credential at the merchant, or allocates the payment preferential benefits to the user's payment account, depending on the type of benefit. The user can also trigger the "Payment" button 804 of the identity credential page to redirect them to the merchant's subroutine and confirm and pay for the order based on their identity credential. In other words, the user submits a settlement instruction based on their identity credential to the user terminal by triggering the payment button 804.

[0235] In addition, the identity credentials page can also be configured with a login cancellation control. After a user triggers the login cancellation control, the user's terminal and the server cooperate to process the identity credentials, allowing the user to enter the merchant subprogram in an unregistered state. Continuing with the previous example, after the user triggers the login cancellation button 805, a login cancellation command is submitted to the server. The server then calls the merchant subprogram's access interface based on the login cancellation command, allowing the user's terminal to enter the merchant subprogram in an unregistered state.

[0236] In this embodiment, a merchant subroutine refers to a subroutine configured by the merchant within the application for creating, confirming, and paying for product orders. Specifically, a merchant subroutine can be a subroutine configured by the merchant within a third-party application, such as a subroutine configured within a payment application, so that the user can jump from the identity credential page displayed by the third-party application to the merchant subroutine in the third-party application.

[0237] In the specific execution process, after receiving the settlement information and user identifier sent by the user terminal, the merchant subprogram can create a product page for the goods included in the settlement information based on the settlement information and user identifier, and settle the product according to the identity rights associated with the user's identity credentials to obtain the settlement amount. After obtaining the order instruction submitted by the user on the product page, the subprogram creates a product order based on the settlement amount and generates an order payment instruction to make the order payment. In an optional implementation method provided in this embodiment, order confirmation in the merchant subprogram includes: settling the product information included in the settlement information according to the identity rights associated with the identity credentials to obtain the settlement result; if an order instruction is detected, creating an order based on the settlement information and the settlement result, and generating an order payment instruction to make the order payment.

[0238] As shown in Figure 9, a product page is generated based on the product information contained in the settlement information, and the product amount is settled based on the identity rights associated with the user's identity credentials to obtain the settlement result. The user can trigger the order button 901 configured on the product page to submit the order instruction, so that the merchant subprogram can create a product order and generate an order payment instruction based on the settlement result and product information to process the order payment.

[0239] Furthermore, the goods included in the settlement information can also be delivered to the user via logistics delivery. Here, the user can add the delivery information for the product on the product page, and calculate the settlement result based on the product amount, delivery fee, and identity rights included in the settlement information. In addition, the goods included in the settlement information may also be gifts to the user; that is, the settlement result can be calculated based on the delivery fee and identity rights. In one optional implementation of this embodiment, order confirmation in the merchant subroutine includes: settling the product information included in the settlement information according to the identity rights associated with the identity credential to obtain a settlement result, and / or obtaining the delivery information input through the merchant subroutine; if an order placement instruction is detected, an order is created based on the settlement information, the settlement result, and / or the delivery information, and an order payment instruction is generated for order payment.

[0240] Using the previous example, users can also trigger the "Add Delivery Address" button 902 configured on the product page to add delivery information and calculate the settlement result including delivery fees, so that the merchant subprogram can create a product order and generate an order payment instruction based on the settlement result, product information and delivery address to process the order payment.

[0241] During the specific order payment process, the merchant subprogram can call the payment interface to make the order payment based on the generated order payment instruction. Specifically, it can call the payment interface of a third-party application to make the order payment. This third-party application can be the application that establishes the NFC connection and displays the identity certificate page mentioned above, such as a payment application. In one optional implementation of this embodiment, making the order payment in the merchant subprogram includes: calling the payment interface to make the order payment based on the order payment instruction generated by the merchant subprogram.

[0242] Optionally, the payment interface response and interface call perform the following operations: make an order payment to the merchant according to the payment information carried in the order payment instruction, or query the user's payment account identity rights according to the user identifier carried in the order payment instruction, and make an order payment to the merchant based on the identity rights.

[0243] For example, after generating an order payment instruction, the merchant subroutine calls the payment interface of the payment application to make the order payment. The server of the payment application queries the user's payment account identity rights according to the user identifier carried in the order payment instruction, calculates the amount to be transferred from the user's account based on the identity rights, and transfers the amount to the merchant's account to make the order payment. It also performs rights verification for the merchant based on the identity rights.

[0244] In summary, the one or more order processing methods based on near-field communication (NFC) provided in this embodiment can be applied to merchant devices. During order processing, the method acquires settlement information entered through the settlement page, renders and displays a near-field payment page containing the settlement information, calls the NFC component to detect the user terminal, establishes a NFC connection with the detected user terminal, and sends settlement information to the user terminal via NFC connection. This enables the user terminal to process identity credentials in cooperation with the server based on the settlement system, and jumps to the merchant subroutine for order confirmation and payment based on the user's settlement instructions using the merchant's identity credentials. This achieves order creation, order confirmation, and order payment without the need for a cashier device, improving order processing efficiency and avoiding the inefficiency problem in scenarios with concentrated cashier areas.

[0245] Furthermore, different identity credential pages can be rendered based on the user's identity credential status, allowing users to perceive the benefits they will enjoy after registering their identity credential or the benefits available for this order before payment, thus improving user awareness. Even further, the identity credential page can be configured with multiple controls, allowing users to claim various identity benefits and join user groups before payment, avoiding the complex process of claiming coupons first and then processing the order. Additionally, different controls can be configured for the identity credential pages of unregistered and registered users, allowing unregistered users to perceive the benefits they can obtain after registering their identity credential, improving order processing efficiency and enhancing user experience.

[0246] The following description uses the application of a near-field communication-based order processing method provided in this embodiment to a registered member payment scenario as an example to further illustrate the near-field communication-based order processing method provided in this embodiment. Referring to Figure 10, the near-field communication-based order processing method applied to a registered member payment scenario specifically includes the following steps.

[0247] Step S1002: Obtain the settlement information entered through the settlement page, and render and display the near-field payment page containing the settlement information by calling the near-field payment interface through a third-party application.

[0248] Previously, merchant members entered settlement information through a settlement page displayed by a third-party application installed on the merchant's equipment.

[0249] Step S1004: Call the NFC component to detect the user terminal and establish an NFC connection with the detected user.

[0250] Step S1006: The near-field payment interface is called through a third-party application to send settlement information to the user terminal via NFC connection.

[0251] The following example illustrates the application of a near-field communication-based order processing method in a payment scenario for unregistered members. Referring to Figure 11, the near-field communication-based order processing method applied to a payment scenario for unregistered members includes the following steps.

[0252] Step S1102: Obtain the settlement information entered through the settlement page, and render and display the near-field payment page containing the settlement information by calling the near-field payment interface through a third-party application.

[0253] Previously, merchant members entered settlement information through a settlement page displayed by a third-party application installed on the merchant's equipment.

[0254] Step S1104: Call the NFC component to detect the user terminal and establish an NFC connection with the detected user.

[0255] Step S1106: The near-field payment interface is called through a third-party application to send settlement information to the user terminal via NFC connection.

[0256] The first embodiment of the order processing device based on near-field communication provided in this disclosure is as follows.

[0257] In the above embodiments, a first order processing method based on near-field communication is provided. Correspondingly, an order processing device based on near-field communication is also provided, which will be described below with reference to the accompanying drawings.

[0258] Referring to Figure 14, a schematic diagram of the first near-field communication-based order processing device embodiment provided in this embodiment is shown.

[0259] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0260] This embodiment provides a first order processing device based on near-field communication (NFC), comprising: a settlement information receiving module 1402, configured to call a NFC component to establish a NFC connection with a merchant's device and receive settlement information sent by the merchant device through the NFC connection; a settlement information sending module 1404, configured to send the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the user's identity credential status in the merchant; an identity credential page display module 1406, configured to render and display a page based on the settlement information and the identity credential data sent by the server, and perform identity credential processing in cooperation with the server based on the displayed identity credential page; if an identity credential-based settlement instruction is detected, a subroutine jump module 1408 is run, configured to jump to a merchant subroutine and send the settlement information and user identifier to perform order confirmation and order payment in the merchant subroutine.

[0261] The second embodiment of the order processing device based on near-field communication provided in this disclosure is as follows.

[0262] In the above embodiments, a second order processing method based on near-field communication is provided. Correspondingly, an order processing device based on near-field communication is also provided, which will be described below with reference to the accompanying drawings.

[0263] Referring to Figure 15, a schematic diagram of a second near-field communication-based order processing device embodiment provided in this embodiment is shown.

[0264] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0265] This embodiment provides a second order processing device based on near-field communication, including: a settlement information receiving module 1502, configured to receive settlement information sent by a user terminal; the settlement information is sent to the user terminal by a merchant device through an established near-field communication connection; an identity credential query module 1504, configured to query identity credentials based on a user identifier and a merchant identifier contained in the settlement information; an identity credential data sending module 1506, configured to obtain identity credential data corresponding to the queried user's identity credential status in the merchant and send it to the user terminal; and an identity credential processing module 1508, configured to cooperate with the user terminal to process identity credentials, so that the user terminal jumps to the merchant subroutine to confirm and pay the order after detecting a settlement instruction based on the identity credential.

[0266] The third embodiment of the order processing device based on near-field communication provided in this disclosure is as follows.

[0267] In the above embodiments, a third order processing method based on near-field communication is provided. Correspondingly, an order processing device based on near-field communication is also provided, which will be described below with reference to the accompanying drawings.

[0268] Referring to Figure 16, a schematic diagram of a third embodiment of an order processing device based on near-field communication provided in this embodiment is shown.

[0269] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0270] This embodiment provides a third order processing device based on near-field communication (NFC), comprising: a settlement information acquisition module 1602, configured to acquire settlement information input through a settlement page, render and display a near-field payment page for the settlement information; a near-field communication connection establishment module 1604, configured to call a near-field communication component to detect a user terminal and establish a near-field communication connection with the detected user terminal; and a settlement information sending module 1606, configured to send the settlement information to the user terminal through the near-field communication connection, so that the user terminal can cooperate with the server to process identity credentials based on the settlement information, and jump to the merchant subroutine for order confirmation and order payment based on the user's settlement instruction using the merchant's identity credentials.

[0271] The first embodiment of the order processing device based on near-field communication provided in this disclosure is as follows.

[0272] Corresponding to the first order processing method based on near-field communication described above, based on the same technical concept, one or more embodiments of this disclosure also provide an order processing device based on near-field communication. The order processing device based on near-field communication is used to execute the first order processing method based on near-field communication provided above. Figure 17 is a schematic diagram of the structure of the first order processing device based on near-field communication provided in one or more embodiments of this disclosure.

[0273] The first type of order processing device based on near-field communication provided in this embodiment includes the following.

[0274] As shown in Figure 17, near-field communication (NFC) based order processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 1701 and memory 1702, with memory 1702 storing one or more application programs or data. Memory 1702 can be temporary or persistent storage. The application programs stored in memory 1702 may include one or more modules (not shown), each module including a series of computer-executable instructions from the NFC-based order processing device. Furthermore, processor 1701 may be configured to communicate with memory 1702, executing the series of computer-executable instructions in memory 1702 on the NFC-based order processing device. The NFC-based order processing device may also include one or more power supplies 1703, one or more wired or wireless network interfaces 1704, one or more input / output interfaces 1705, one or more keyboards 1706, etc.

[0275] In one specific embodiment, the order processing device based on near-field communication (NFC) includes a memory and one or more programs. The one or more programs are stored in the memory, and each program may include one or more modules. Each module may include a series of computer-executable instructions for a first device of the payer, configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following: invoking a near-field communication component to establish a near-field communication connection with the merchant's device, and receiving settlement information sent by the merchant device through the near-field communication connection; sending the settlement information to a server to perform identity credential query and obtain identity credential data corresponding to the user's identity credential status in the merchant's system; rendering and displaying a page based on the settlement information and the identity credential data sent by the server, and performing identity credential processing in cooperation with the server based on the displayed identity credential page; if an identity credential-based settlement instruction is detected, redirecting to a merchant subroutine and sending the settlement information and user identifier to perform order confirmation and order payment in the merchant subroutine.

[0276] The second embodiment of the order processing device based on near-field communication provided in this disclosure is as follows.

[0277] Corresponding to the second order processing method based on near-field communication described above, based on the same technical concept, one or more embodiments of this disclosure also provide an order processing device based on near-field communication. The order processing device based on near-field communication is used to execute the second order processing method based on near-field communication provided above. Figure 18 is a schematic diagram of the structure of the second order processing device based on near-field communication provided in one or more embodiments of this disclosure.

[0278] The second type of order processing device based on near-field communication provided in this embodiment includes the following.

[0279] As shown in Figure 18, near-field communication (NFC) based order processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 1801 and memory 1802, with memory 1802 storing one or more application programs or data. Memory 1802 can be temporary or persistent storage. The application programs stored in memory 1802 may include one or more modules (not shown), each module including a series of computer-executable instructions from the NFC-based order processing device. Furthermore, processor 1801 may be configured to communicate with memory 1802, executing the series of computer-executable instructions in memory 1802 on the NFC-based order processing device. The NFC-based order processing device may also include one or more power supplies 1803, one or more wired or wireless network interfaces 1804, one or more input / output interfaces 1805, one or more keyboards 1806, etc.

[0280] In one specific embodiment, the near-field communication-based order processing device includes a memory and one or more programs, wherein one or more programs are stored in the memory, and one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the near-field communication-based order processing device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following: receiving settlement information sent by a user terminal; the settlement information being sent by a merchant device to the user terminal through an established near-field communication connection; performing an identity credential query based on a user identifier and a merchant identifier contained in the settlement information; obtaining identity credential data corresponding to the queried user's identity credential status in the merchant and sending it to the user terminal; and cooperating with the user terminal to perform identity credential processing, so that the user terminal jumps to the merchant subroutine to confirm and pay the order after detecting a settlement instruction based on the identity credential.

[0281] The third embodiment of the order processing device based on near-field communication provided in this disclosure is as follows.

[0282] Corresponding to the third order processing method based on near-field communication described above, based on the same technical concept, one or more embodiments of this disclosure also provide an order processing device based on near-field communication. The order processing device based on near-field communication is used to execute the third order processing method based on near-field communication provided above. Figure 19 is a schematic diagram of the structure of an order processing device based on near-field communication provided by one or more embodiments of this disclosure.

[0283] This embodiment provides an order processing device based on near-field communication, which includes the following.

[0284] As shown in Figure 19, near-field communication (NFC) based order processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 1901 and memory 1902, with memory 1902 storing one or more application programs or data. Memory 1902 can be temporary or persistent storage. The application programs stored in memory 1902 may include one or more modules (not shown), each module including a series of computer-executable instructions from the NFC-based order processing device. Furthermore, processor 1901 may be configured to communicate with memory 1902, executing the series of computer-executable instructions in memory 1902 on the NFC-based order processing device. The NFC-based order processing device may also include one or more power supplies 1903, one or more wired or wireless network interfaces 1904, one or more input / output interfaces 1905, one or more keyboards 1906, etc.

[0285] In one specific embodiment, the near-field communication (NFC)-based order processing device includes a memory and one or more programs. The one or more programs are stored in the memory, and each program may include one or more modules. Each module may include a series of computer-executable instructions for the NFC-based order processing device, configured to be executed by one or more processors. The program includes computer-executable instructions for performing the following: acquiring settlement information entered through a settlement page; rendering and displaying a NFC payment page containing the settlement information; invoking a NFC component to detect a user terminal and establishing a NFC connection with the detected user terminal; sending the settlement information to the user terminal through the NFC connection, so that the user terminal can cooperate with the server to process identity credentials based on the settlement information, and jump to the merchant subroutine for order confirmation and payment based on the user's identity credentials at the merchant.

[0286] The first embodiment of the computer-readable storage medium provided in this disclosure is as follows.

[0287] Corresponding to the first order processing method based on near-field communication described above, and based on the same technical concept, one or more embodiments of this disclosure also provide a computer-readable storage medium.

[0288] The first type of computer-readable storage medium provided in this embodiment is used to store computer-executable instructions. When executed, the computer-executable instructions implement the following process: invoking a near-field communication component to cooperate with the merchant's device to establish a near-field communication connection, and receiving settlement information sent by the merchant's device through the near-field communication connection; sending the settlement information to the server to perform identity credential query and obtain the identity credential data corresponding to the user's identity credential status in the merchant's device; rendering and displaying a page based on the settlement information and the identity credential data sent by the server, and cooperating with the server to perform identity credential processing based on the displayed identity credential page; if an identity credential-based settlement instruction is detected, redirecting to the merchant subroutine and sending the settlement information and user identifier to perform order confirmation and order payment in the merchant subroutine.

[0289] It should be noted that the embodiments of the first type of computer-readable storage medium in this disclosure and the embodiments of the first type of order processing method based on near-field communication in this disclosure are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0290] The second embodiment of the computer-readable storage medium provided in this disclosure is as follows.

[0291] Corresponding to the second order processing method based on near-field communication described above, and based on the same technical concept, one or more embodiments of this disclosure also provide a computer-readable storage medium.

[0292] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions. When executed by a processor, the computer-executable instructions implement the following process: receiving settlement information sent by a user terminal; the settlement information being sent to the user terminal by a merchant device through an established near-field communication connection; performing an identity credential query based on the user identifier and the merchant identifier contained in the settlement information; obtaining identity credential data corresponding to the queried user's identity credential status at the merchant and sending it to the user terminal; and cooperating with the user terminal to perform identity credential processing, so that the user terminal, upon detecting a settlement instruction based on the identity credential, jumps to the merchant subroutine to confirm and pay the order.

[0293] It should be noted that the embodiments of the second type of computer-readable storage medium in this disclosure and the embodiments of the second type of order processing method based on near-field communication in this disclosure are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0294] The third embodiment of the computer-readable storage medium provided in this disclosure is as follows.

[0295] Corresponding to the third order processing method based on near-field communication described above, and based on the same technical concept, one or more embodiments of this disclosure also provide a computer-readable storage medium.

[0296] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions. When executed by a processor, the computer-executable instructions implement the following process: obtaining settlement information entered through a settlement page, rendering and displaying a near-field payment page containing the settlement information; calling a near-field communication component to detect the user terminal and establishing a near-field communication connection with the detected user terminal; sending the settlement information to the user terminal through the near-field communication connection, so that the user terminal can cooperate with the server to process identity credentials based on the settlement information, and jump to the merchant subroutine to confirm and pay the order based on the settlement instruction of the user's identity credentials at the merchant.

[0297] It should be noted that the embodiments of the third type of computer-readable storage medium in this disclosure and the embodiments of the third type of order processing method based on near-field communication in this disclosure are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0298] The various embodiments in this disclosure are described in a progressive manner. The same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on describing the differences from other embodiments. For example, the device embodiment, equipment embodiment and storage medium embodiment are all similar to the method embodiment, so the description is relatively simple. When reading the relevant content of the device embodiment, equipment embodiment and storage medium embodiment, please refer to the description of the method embodiment.

[0299] The foregoing has described specific embodiments of this disclosure. 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 results. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0300] In the 1930s, 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 improvements to the methodology 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 an improvement to the methodology 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 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.

[0301] 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 626D, Atmel AT151SAM, Microchip PIC18F26K20, and Silicon Labs C8061F320. 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.

[0302] 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.

[0303] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, in implementing the embodiments of this disclosure, the functions of each unit can be implemented in one or more software and / or hardware.

[0304] Those skilled in the art will understand that one or more embodiments of this disclosure can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this disclosure can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this disclosure 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.

[0305] This disclosure is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this disclosure. 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, create means for implementing the functions specified in one or more flowchart illustrations and / or one or more block diagrams.

[0306] 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 that implement the functions specified in one or more flowcharts and / or one or more block diagrams.

[0307] These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process, such that the instructions, which execute on the computer or other programmable apparatus, provide steps for implementing the functions specified in one or more flowcharts and / or one or more block diagrams.

[0308] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0309] 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.

[0310] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using 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.

[0311] 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.

[0312] One or more embodiments of this disclosure can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this disclosure can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In a distributed computing environment, program modules can reside in local and remote computer storage media, including storage devices.

[0313] The above description is merely an embodiment of this disclosure and is not intended to limit the scope of this disclosure. Various modifications and variations can be made to this disclosure by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this disclosure should be included within the scope of the claims of this disclosure.

Claims

1. An order processing method based on near field communication, comprising: calling a near field communication component to cooperate with a merchant device of a merchant to establish a near field communication connection, and receiving settlement information sent by the merchant device through the near field communication connection; sending the settlement information to a server to query an identity credential and obtain identity credential data corresponding to a state of the identity credential of a user at the merchant; performing page rendering display according to the settlement information and the identity credential data issued by the server, and cooperating with the server based on the displayed identity credential page to perform identity credential processing; if a settlement instruction based on the identity credential is detected, jumping to a merchant subprogram and sending the settlement information and a user identifier to the merchant subprogram to perform order confirmation and order payment.

2. The order processing method based on near field communication according to claim 1, wherein the near field communication connection is established after the merchant device obtains settlement information input through a settlement page and renders and displays a near field payment page of the settlement information.

3. The order processing method based on near field communication according to claim 1, wherein the identity credential query comprises: querying whether the user is registered for an identity credential at the merchant according to a user identifier of the user and a merchant identifier contained in the settlement information, and if yes, determining that the state of the identity credential is a registered state; and if no, determining that the state of the identity credential is an unregistered state.

4. The order processing method based on near field communication according to claim 3, wherein if the state of the identity credential is the registered state, the obtaining of the identity credential data corresponding to the state of the identity credential of the user at the merchant comprises: obtaining credential information of the identity credential registered by the user at the merchant, and identity benefits associated with the identity credential; determining a registered user group created by the merchant for registered users of the registered identity credential.

5. The order processing method based on near field communication according to claim 4, wherein the page rendering display according to the settlement information and the identity credential data issued by the server comprises: rendering a credential interaction page of the identity credential and displaying the same according to a settlement amount contained in the settlement information, the credential information, and the identity benefits; wherein the credential interaction page is configured with a login control, a receiving control of the identity benefits, and / or a participating control of the registered user group.

6. The order processing method based on near field communication according to claim 5, wherein the identity credential processing based on the displayed identity credential page and the server comprises: if the participating control is triggered, generating a participation request and sending the same to the server to add the user to the registered user group; if the receiving control is triggered, sending a receiving request of the identity benefits to the server to associate the identity benefits to the identity credential, or to distribute the identity benefits to a payment account of the user; if the login control is triggered, cooperating with the server to perform login processing of the identity credential; and the settlement instruction is generated after the login processing is successful.

7. The near field communication based order processing method of claim 3, wherein the identity credential data comprises: identity credential registration data of the merchant; Correspondingly, the page rendering and display according to the settlement information and the identity credential data issued by the server comprises: rendering a credential registration page containing the identity credential registration data and the settlement amount contained in the settlement information, and displaying the credential registration page.

8. The order processing method based on near field communication according to claim 7, the identity credential page displayed is used for identity credential processing in cooperation with the server, comprising: if the registration control configured on the credential registration page is triggered, a credential registration request is sent to the server to obtain the identity credential by registering the identity credential of the user in the merchant; receiving the identity rights associated with the identity credential issued by the server, and rendering and displaying the identity credential page based on the identity rights; the settlement instruction is generated after the settlement control configured on the identity credential page is triggered.

9. The order processing method based on near field communication according to claim 8, after the sub-step of receiving the identity rights associated with the identity credential issued by the server and rendering and displaying the identity credential page based on the identity rights is executed, further comprising: if the participation control of the registered user group configured on the identity credential page is triggered, the user is added to the registered user group in cooperation with the server; if the receiving control of the identity rights configured on the identity credential page is triggered, the identity rights are associated with the identity credential in cooperation with the server, or the identity rights are allocated to the payment account of the user.

10. The order processing method based on near field communication according to claim 1, the order confirmation in the merchant subprogram comprises: according to the identity rights associated with the identity credential, the settlement of the commodity information contained in the settlement information is obtained to obtain the settlement result, and / or the delivery information input through the merchant subprogram is obtained; if the order placing instruction is detected, the order is created based on the settlement information, the settlement result and / or the delivery information, and the order payment instruction is generated to perform order payment.

11. The order processing method based on near field communication according to claim 10, the order payment in the merchant subprogram comprises: calling the payment interface based on the order payment instruction to perform order payment; wherein, the payment interface responds to the interface call and performs the following operations: according to the payment information carried by the order payment instruction, the order payment is performed to the merchant, or according to the user identifier carried by the order payment instruction, the identity rights of the payment account of the user are queried, and the order payment is performed to the merchant based on the identity rights.

12. The order processing method based on near field communication according to claim 2, the merchant device renders and switches to the scanning payment page carrying the payment code and the order amount after detecting the switching instruction of the near field payment page; correspondingly, the method further comprises: Scanning and decoding the payment code, and jumping to the merchant subprogram based on the decoding result and sending the settlement information and the user identifier to the merchant subprogram to perform order confirmation and order payment.

13. The near field communication-based order processing method of claim 1, the merchant device comprising: An NFC device configured with a display component and an NFC component; The NFC device inputs the settlement information through a third-party application installed, and the third-party application renders a near-field payment page by calling a near-field payment interface and sends the settlement information to the user terminal.

14. The near-field communication-based order processing method of claim 1, after the operation of receiving the settlement information sent by the merchant device through the near-field communication connection is performed, and before the operation of sending the settlement information to the server is performed, further comprising: Entering an application program running the merchant subprogram; The identity credential page is displayed in the application program; The application program is configured with an access entry to an access credential storage space, and the access entry is triggered to query the credential information of the identity credential registered by the user in the merchant and display the credential information.

15. A near-field communication-based order processing method, comprising: Receiving settlement information sent by a user terminal; The settlement information is sent by a merchant device to the user terminal through an established near-field communication connection; According to the user identifier and the merchant identifier contained in the settlement information, the identity credential is queried; According to the state of the identity credential of the user in the merchant, the identity credential data corresponding to the state of the identity credential is obtained and sent to the user terminal; Cooperating with the user terminal to process the identity credential, so that the user terminal jumps to the merchant subprogram to perform order confirmation and order payment after detecting the settlement instruction based on the identity credential.

16. The near-field communication-based order processing method of claim 15, wherein the near-field communication connection is established after the merchant device calls the near-field communication component to detect the user terminal. The calling of the near-field communication component is performed after the settlement information input through the settlement page is obtained and the near-field payment page displaying the settlement information is rendered.

17. The near-field communication-based order processing method of claim 15, if the state of the identity credential is a registered state, the operation of obtaining the identity credential data corresponding to the state of the identity credential and sending the identity credential data to the user terminal comprises: Obtaining the credential information of the identity credential registered by the user in the merchant, and the identity rights associated with the identity credential, determining a registered user group created by the merchant for the registered identity credential of the registered user, and sending the credential information, the identity rights and the registered user group to the user terminal. Correspondingly, the operation of cooperating with the user terminal to process the identity credential comprises: If the participation request sent by the user terminal is received, the user is added to the registered user group; If the request for receiving the identity rights sent by the user terminal is received, the identity rights are associated with the identity credential, or the identity rights are distributed to the payment account of the user. If a login request sent by the user terminal after the login control configured on the credential interaction page is triggered is received, a login process of the identity credential is performed; and the settlement instruction is generated after the login process is successful.

18. The near field communication-based order processing method of claim 15, wherein the identity credential data comprises: Identity credential registration data of the merchant; Correspondingly, the identity credential processing cooperated with the user terminal comprises: If a credential registration request sent by the user terminal is received, the identity credential of the user is registered by the merchant to obtain the identity credential; The identity rights and interests associated with the identity credential are queried and issued to the user terminal, so that the user terminal renders and displays the identity credential page based on the identity rights and interests; and the settlement instruction is generated after the settlement control configured on the identity credential page is triggered.

19. A near field communication-based order processing method, comprising: obtaining settlement information input through a settlement page, rendering and displaying a near field payment page of the settlement information; calling a near field communication component to detect a user terminal and establishing a near field communication connection with the detected user terminal; sending the settlement information to the user terminal through the near field communication connection, so that the user terminal cooperates with a server to perform identity credential processing based on the settlement information, and jumps to a merchant subprogram to perform order confirmation and order payment based on a settlement instruction of the identity credential of the user in the merchant.

20. The near field communication-based order processing method according to claim 19, applied to a merchant device, wherein the merchant device comprises an NFC device configured with a display component and an NFC component; the NFC device inputs the settlement information through a third-party application installed, and the third-party application renders a near field payment page through a call to a near field payment interface and sends the settlement information to the user terminal.

21. A near field communication-based order processing device, comprising: a settlement information receiving module configured to call a near field communication component to cooperate with a merchant device of a merchant to establish a near field communication connection, and receive settlement information sent by the merchant device through the near field communication connection; a settlement information sending module configured to send the settlement information to a server to query an identity credential and obtain identity credential data corresponding to an identity credential state of the user in the merchant; an identity credential page display module configured to render and display a page according to the settlement information and the identity credential data issued by the server, and cooperate with the server to perform identity credential processing based on the displayed identity credential page; if a settlement instruction based on the identity credential is detected, a subprogram jump module is run, which is configured to jump to a merchant subprogram and send the settlement information and a user identifier, so that the merchant subprogram performs order confirmation and order payment.

22. A near field communication-based order processing device, comprising: a settlement information receiving module configured to receive settlement information sent by a user terminal; the settlement information is sent to the user terminal by a merchant device through an established near field communication connection; An identity credential query module configured to perform identity credential query according to the user identification and the merchant identification contained in the settlement information; An identity credential data sending module configured to obtain identity credential data corresponding to the identity credential state of the user in the merchant according to the identity credential state obtained by the identity credential query, and send the identity credential data to the user terminal; An identity credential processing module configured to cooperate with the user terminal to perform identity credential processing, so that the user terminal jumps to the merchant subprogram to perform order confirmation and order payment after detecting the settlement instruction based on the identity credential.

23. An order processing device based on near field communication, the device comprising: A settlement information obtaining module configured to obtain settlement information input through a settlement page, render and display a near field payment page of the settlement information; A near field communication connection establishing module configured to call a near field communication component to detect a user terminal, and establish a near field communication connection with the detected user terminal; A settlement information sending module configured to send the settlement information to the user terminal through the near field communication connection, so that the user terminal cooperates with the server to perform identity credential processing based on the settlement information, and jumps to the merchant subprogram to perform order confirmation and order payment based on the settlement instruction of the identity credential of the user in the merchant.

24. An order processing device based on near field communication, comprising: A processor; And a memory configured to store computer executable instructions, the processor executes the computer executable instructions to realize the steps of the method of claim 1 or 15 or 19.

25. A computer readable storage medium for storing computer executable instructions, the computer executable instructions realize the steps of the method of claim 1 or 15 or 19 when executed.

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