Payment method, apparatus and device, and storage medium
Patent Information
- Authority / Receiving Office
- WO · WO
- Patent Type
- Applications
- Current Assignee / Owner
- CHINA UNIONPAY
- Filing Date
- 2025-08-11
- Publication Date
- 2026-06-11
Smart Images
Figure CN2025113806_11062026_PF_FP_ABST
Abstract
Description
Payment methods, devices, equipment and storage media
[0001] This application claims priority to Chinese Patent Application No. 202411789796.3, filed on December 5, 2024, entitled "Payment Method, Apparatus, Device and Storage Medium", the entire contents of which are incorporated herein by reference. Technical Field
[0002] This application relates to the field of financial services, and more specifically, to a payment method, device, equipment, and storage medium. Background Technology
[0003] With the widespread application and rapid development of the internet, people's lives and consumption scenarios have gradually shifted online. The proliferation of mobile devices such as smartphones and tablets, along with the continuous upgrading of mobile network technology, has provided the hardware and network foundation for rapid payment. As consumption scenarios become increasingly rich and diverse, consumers need to complete payments quickly in different situations. This diversified demand for payment scenarios has driven the application and development of rapid payment technology in various fields.
[0004] Currently, mobile payment primarily relies on QR code payment boxes. These boxes suffer from an excessively long user process, requiring users to open their phones, find the payment app, and access the QR code interface. While the tap-to-scan solution eliminates the need for manual QR code access, it still requires flipping the phone to scan the QR code, thus maintaining a lengthy process.
[0005] Therefore, current payment methods generally suffer from low payment efficiency. Summary of the Invention
[0006] The purpose of this application is to provide a payment method, device, equipment, and storage medium to achieve the effect of supporting multiple payment methods with the same set of equipment and improving payment efficiency.
[0007] In a first aspect, this application discloses a payment method provided in an embodiment of the application, comprising: applying to a payment device, the payment device including an NFC tag and an external module; when the NFC tag detects the presence of a terminal device in the sensing area, invoking the payment program in the terminal device to apply for a payment code; writing the payment code into the NFC tag using a dynamic write-back method to obtain an NFC tag containing payment code information; and sending the payment code information in the NFC tag to the payee management information system through the external module to perform payment.
[0008] Based on the above technology, the payment program on the terminal device is initiated via an NFC tag. This program obtains a payment code, which is dynamically written into the NFC tag. Then, the external module sends the payment code information from the NFC tag to the payee's management information system. The payee's management system then processes the payment based on the key payment information in this payment code. This eliminates the need to generate a QR code payment code. Instead, a camera scans and parses the QR code to obtain the information used to generate the payment code, and then the payment is processed based on the key payment information within that code. By directly dynamically writing the payment code back, there is no need to flip the phone to scan a QR code, shortening the operation process and improving payment efficiency.
[0009] In some examples, the payment device also includes a camera; the method further includes: if the payment fails, invoking the payment page of the terminal device via an NFC tag and generating a sensing signal to send to the external module, so that the external module sends a collection command to the camera based on the sensing signal; reading the payment QR code obtained by the camera scanning the payment page in response to the collection command, and obtaining payment code information; wherein, the payment QR code is obtained by encoding the payment code; and sending the payment code information to the payee's management information system via the external module to complete the payment.
[0010] In some examples, the camera is positioned above the sensing area to capture images of the sensing area.
[0011] In some examples, the camera is switched to standby mode when no acquisition command is received.
[0012] In some examples, the payment code information contained in the NFC tag is cleared after a successful payment.
[0013] In some examples, before invoking the payment program on the terminal device, the process includes: detecting whether the terminal device has enabled the terminal payment function; if it is enabled, then performing the terminal payment; invoking the payment program specifically includes: if the terminal device does not have the terminal payment function enabled or the terminal payment fails, then invoking the payment program on the terminal device.
[0014] In some examples, if the payment is successful, the order payment information is retrieved and a payment success page is displayed.
[0015] Secondly, this application provides a payment device, including: an NFC tag and an external module; the device further includes: a processing module, used to invoke the payment program in the terminal device to apply for a payment code when the NFC tag detects the presence of a terminal device in the sensing area; the processing module is also used to write the payment code into the NFC tag using a dynamic write-back method to obtain an NFC tag containing payment code information; the processing module is also used to send the payment code information in the NFC tag to the payee's management information system through the external module to perform payment.
[0016] In some examples, the payment device also includes a camera; a processing module, which is further configured to, if payment fails, invoke the payment page of the terminal device via an NFC tag and generate a sensing signal to send to an external module, so that the external module sends a collection command to the camera based on the sensing signal; the processing module is further configured to read the payment QR code obtained by the camera scanning the payment page in response to the collection command, and obtain payment code information; wherein, the payment QR code is obtained by encoding the payment code; the processing module is also configured to send the payment code information to the payee's management information system through the external module for payment.
[0017] Thirdly, this application provides a payment device, including: a memory and a processor;
[0018] The memory stores computer-executed instructions;
[0019] The processor executes computer execution instructions stored in the memory, causing the processor to perform the first aspect and / or various possible implementations of the first aspect as described above.
[0020] Fourthly, this application provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the first aspect and / or various possible embodiments of the first aspect.
[0021] In conjunction with the above technical solutions, in the payment method and payment device provided in this application, when the NFC tag detects the presence of a terminal device in the sensing area, the payment program in the terminal device is invoked to obtain a payment code; the payment code is dynamically written back into the NFC tag, resulting in an NFC tag containing the payment code information; the payment code information in the NFC tag is sent to the payee's management information system via an external module to complete the payment. This solution, by combining the terminal device with NFC tap-to-pay, further shortens the operation process and improves payment efficiency. Attached Figure Description
[0022] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.
[0023] Figure 1 is a schematic diagram of a payment method provided in this application;
[0024] Figure 2 is a flowchart illustrating one payment method provided in this application;
[0025] Figure 3 is a schematic diagram of the hardware structure of a payment device provided in this application;
[0026] Figure 4 is a schematic diagram of the software structure of a payment device provided in this application;
[0027] Figure 5 is a structural schematic diagram of a payment device provided in this application.
[0028] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation
[0029] Quick payment is a payment method that can complete fund transfers in a short time. Compared with traditional payment methods, it greatly shortens payment processing time, enabling transactions to be completed in real time. Quick payment can complete the transfer of funds from the payer's account to the payee's account in seconds to minutes, providing users with an efficient and convenient payment experience.
[0030] Currently, payment methods are divided into two types: QR code scanning boxes and tap-to-scan QR codes. However, both of these payment methods involve flipping the mobile device twice, which reduces payment efficiency. Furthermore, the same payment device cannot support multiple payment methods.
[0031] The technical solution provided in this application aims to solve the aforementioned technical problems of the prior art. In this embodiment, in the payment method and payment device provided in this application, when the NFC tag detects the presence of a terminal device in the sensing area, the payment program in the terminal device is invoked to apply for a payment code; the payment code is dynamically written back into the NFC tag to obtain an NFC tag containing payment code information; the payment code information in the NFC tag is sent to the payee's management information system through an external module to complete the payment. This solution further shortens the operation process and improves payment efficiency by combining the terminal device with NFC tap-to-pay.
[0032] The technical solution of this application and how the technical solution of this application solves the above-mentioned technical problems are described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. The embodiments of this application will now be described with reference to the accompanying drawings.
[0033] Figure 1 is a flowchart illustrating a payment method provided in this application. As shown in Figure 1, it is applied to a fast payment device, which includes an NFC tag and an external module. The method includes:
[0034] S101: When the NFC tag detects the presence of a terminal device in the sensing area, it initiates the payment program on the terminal device to apply for a payment code.
[0035] S102, The payment code is written into the NFC tag using a dynamic write-back method, resulting in an NFC tag containing the payment code information.
[0036] S103 sends the payment code information from the NFC tag to the payee's management information system via an external module to complete the payment.
[0037] The dynamic write-back is not pre-set or static, but rather writes the payment code payment data back to a storage medium, such as an NFC tag or other smart tag, based on the user's actual application and the payment scenario at the time.
[0038] In practical applications, when a user selects NFC payment, the NFC tag initiates the payment application on the user's phone. This application requests a payment code and dynamically writes it into the NFC tag, resulting in an NFC tag containing the payment code information. Using this NFC tag as a medium, an external module sends the payment code information from the NFC tag to the payee's management information system (MIS) for payment processing. In payment application scenarios, the MIS is used to process payment transactions and manage related business processes.
[0039] This external module can receive payment management information from the system via wired or wireless (Wi-Fi / Bluetooth) connections.
[0040] In addition, the payment device can be equipped with indicator lights, using different colors of light to indicate different statuses. For example, a red light indicates that the process is in progress, and a green light indicates that the process is complete.
[0041] Essentially, a payment code is composed of a series of character information. Whether in QR code or barcode form, after decoding, it can be viewed as a string of characters containing key payment information. Therefore, in this example, the payment program on the terminal device is invoked via an NFC tag. This program requests a payment code, which is dynamically written back into the NFC tag. Then, the external module sends the payment code information from the NFC tag to the payee's management information system, which then processes the payment based on the key payment information within this payment code. This eliminates the need to generate a QR code-based payment code. Instead, the camera scans and parses the QR code to obtain the information used to generate the payment code, and then the payment is processed based on the key payment information within it. By directly dynamically writing back the payment code, there's no need to flip the phone to scan a QR code, shortening the process and improving payment efficiency.
[0042] Figure 2 is a schematic flowchart of a payment method provided in this application. As shown in Figure 2, in some examples, the payment device further includes a camera; the method further includes:
[0043] S201, if payment fails, the payment page of the terminal device is invoked via the NFC tag, and a sensing signal is generated and sent to the external module, so that the external module sends a collection command to the camera based on the sensing signal.
[0044] S202, Read the payment QR code obtained by scanning the payment page in response to the camera's acquisition command, and obtain the payment code information; wherein, the payment QR code is obtained by encoding the payment code.
[0045] S203, the payment code information is sent to the payee's management information system through the external module to make the payment.
[0046] The payment QR code is obtained by encoding the payment code according to specific QR code encoding rules and converting it into a black and white dot matrix pattern.
[0047] In this example, the payment QR code is the graphical QR code or barcode we see; when making a payment, it is optically read by a camera to convert the graphical information into character information.
[0048] Optionally, this payment device can support both NFC payment and camera scanning payment. If one payment method fails, the other is executed. For example, if NFC payment fails, a payment page can be invoked, a payment QR code can be generated, and payment can be completed by scanning the QR code with the camera. This payment device supports multiple payment methods, improving the payment success rate; it also solves the problem of lengthy procedures in existing payment processes, thus improving payment efficiency.
[0049] In some examples, the camera is positioned above the sensing area to capture images of the sensing area.
[0050] The camera module is located above the sensing area, and can directly scan the payment QR code displayed on the user's phone. In practical applications, after the user places their phone in the sensing area, the NFC tag brings up the phone's payment page, displaying a payment QR code. At this point, the camera can directly scan the payment QR code, eliminating the need to flip the phone to scan, thus improving payment efficiency.
[0051] In some examples, the camera is switched to standby mode when no data acquisition command is received.
[0052] In practical applications, the switching control is based on the sensing signal of the NFC tag to set the working mode and standby mode. Specifically, the camera will only be in working mode when it receives a data acquisition command; when no data acquisition command is received, it is in standby mode, in which case the camera stops working, reduces the device's power consumption, and increases the device's standby time.
[0053] In some examples, the payment code information contained in the NFC tag is cleared after a successful payment.
[0054] After a successful payment, the payment code information contained in the NFC tag is cleared. This is to prevent information leakage and to avoid conflicts and confusion with newly written information during subsequent reading and use of NFC tag information. By clearing the old information, it can be ensured that the data provided by the NFC tag is clear and unambiguous every time it is used.
[0055] In some examples, the process of invoking the payment process on the terminal device also includes:
[0056] Detect whether the terminal device has enabled the terminal payment function. If it is enabled, proceed with the terminal payment.
[0057] Initiating the payment process includes:
[0058] If the terminal device does not have the terminal payment function enabled or the terminal payment fails, the payment program on the terminal device will be invoked.
[0059] Terminal payments, such as mobile payment, are a type of payment method that uses a mobile device (phone) as the payment tool. It utilizes Near Field Communication (NFC) or other secure communication technologies to store card information (bank cards, credit cards, transportation cards, membership cards, etc.) in the phone's secure chip or secure software environment, simulating a physical card for the transaction during payment.
[0060] This payment device combines mobile payment, NFC tap-to-pay, and QR code scanning processes. Figure 3 shows a hardware structure diagram of the payment device provided in this application. As shown in Figure 3, the NFC tag is responsible for initiating the payment program and payment page, the NFC card reader is responsible for reading the mobile payment simulation card, the external module is responsible for receiving payment information and connecting to the payee's management information system, and the camera module is used to scan QR code information. This payment device supports both NFC payment and camera scanning payment methods.
[0061] In some examples, if the payment is successful, the order payment information is retrieved and a payment success page is displayed.
[0062] This page displays detailed information such as the payment amount, payment time, and payee, allowing users to clearly see that their money has been successfully paid and the specific details of the payment. For merchants, the payment success page can also serve as proof that the transaction has been completed.
[0063] This application provides a payment method and device in which, when an NFC tag detects a terminal device in its sensing area, the payment program on the terminal device is invoked to obtain a payment code. The payment code is then dynamically written back into the NFC tag, resulting in an NFC tag containing the payment code information. Finally, the payment code information from the NFC tag is sent to the payee's management information system via an external module to complete the payment. This solution, by combining the terminal device with NFC tap-to-pay, further shortens the operation process and improves payment efficiency.
[0064] Based on the above embodiments, Figure 4 is a schematic diagram of the software structure of a payment device provided in this application. As shown in Figure 4, it includes: an NFC tag and an external module; the device also includes:
[0065] Processing module 11 is used to invoke the payment program in the terminal device to apply for a payment code when the NFC tag detects the presence of a terminal device in the sensing area.
[0066] Processing module 11 is also used to write the payment code into the NFC tag using a dynamic write-back method to obtain an NFC tag containing payment code information;
[0067] The processing module 11 is also used to send the payment code information in the NFC tag to the payee's management information system via the external module for payment.
[0068] The dynamic write-back is not pre-set or static, but rather writes the payment code payment data back to a storage medium, such as an NFC tag or other smart tag, based on the user's actual application and the payment scenario at the time.
[0069] In practical applications, when a user selects NFC payment, the NFC tag activates the payment program on the user's mobile phone. The payment program applies for a payment code and writes the payment code into the NFC tag using a dynamic write-back method, resulting in an NFC tag containing the payment code information. Using the NFC tag as a medium, the external module sends the payment code information from the NFC tag to the payee's management information system for payment.
[0070] In payment application scenarios, the Management Information System (MIS) is used to process payment transactions and manage related business processes.
[0071] This external module can receive payment management information from the system via wired or wireless (Wi-Fi / Bluetooth) connections.
[0072] In addition, the payment device can be equipped with indicator lights, using different colors of light to indicate different statuses. For example, a red light indicates that the process is in progress, and a green light indicates that the process is complete.
[0073] Essentially, a payment code is composed of a series of character information. Whether in QR code or barcode form, after decoding, it can be viewed as a string of characters containing key payment information. Therefore, in this example, the payment program on the terminal device is invoked via an NFC tag. This program requests a payment code, which is dynamically written back into the NFC tag. Then, the external module sends the payment code information from the NFC tag to the payee's management information system, which then processes the payment based on the key payment information within this payment code. This eliminates the need to generate a QR code-based payment code. Instead, the camera scans and parses the QR code to obtain the information used to generate the payment code, and then the payment is processed based on the key payment information within it. By directly dynamically writing back the payment code, there's no need to flip the phone to scan a QR code, shortening the process and improving payment efficiency.
[0074] In some examples, the payment device also includes a camera:
[0075] The processing module 11 is also used to, if the payment fails, invoke the payment page of the terminal device by the NFC tag and generate a sensing signal to send to the external module so that the external module sends a collection command to the camera according to the sensing signal;
[0076] The processing module 11 is also used to read the payment QR code obtained by scanning the payment page in response to the camera's acquisition command, and obtain payment code information; wherein, the payment QR code is obtained by encoding the payment code.
[0077] The processing module 11 is also used to send the payment code information to the payee's management information system through the external connection module for payment.
[0078] The payment QR code is obtained by encoding the payment code according to specific QR code encoding rules and converting it into a black and white dot matrix pattern.
[0079] In this example, the payment QR code is the graphical QR code or barcode we see; when making a payment, it is optically read by a camera to convert the graphical information into character information.
[0080] The payment device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.
[0081] Figure 5 is a schematic diagram of the structure of a payment device provided in this application. As shown in Figure 5, the electronic device 50 provided in this embodiment includes at least one processor 501 and a memory 502. Optionally, the device 50 further includes a communication component 503. The processor 501, memory 502, and communication component 503 are connected via a bus 504.
[0082] In a specific implementation, at least one processor 501 executes computer execution instructions stored in memory 502, causing at least one processor 501 to perform the above-described method.
[0083] The specific implementation process of processor 501 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.
[0084] In the above embodiments, it should be understood that the processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in this invention can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.
[0085] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage device.
[0086] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.
[0087] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the above-described method.
[0088] The aforementioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.
[0089] If a function is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this invention, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.
[0090] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.
[0091] Finally, it should be noted that other embodiments of the invention will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This invention is intended to cover any variations, uses, or adaptations of the invention that follow the general principles of the invention and include common knowledge or customary techniques in the art not disclosed herein, and is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of the invention is limited only by the appended claims.
Claims
1. A payment method applied to a payment device, the payment device comprising an NFC tag and an external module; the method comprising: When the NFC tag detects the presence of a terminal device in the sensing area, it initiates the payment program on the terminal device to apply for a payment code; The payment code is dynamically written back into the NFC tag to obtain an NFC tag containing the payment code information; The payment code information in the NFC tag is sent to the payee's management information system via the external module to complete the payment.
2. The method according to claim 1, wherein, The payment device further includes a camera; the method further includes: If the payment fails, the payment page of the terminal device is invoked through the NFC tag, and a sensing signal is generated and sent to the external module, so that the external module sends a collection command to the camera according to the sensing signal; The payment code information is obtained by scanning the payment page with the camera in response to the acquisition command; wherein the payment QR code is obtained by encoding the payment code. The payment code information is sent to the payee's management information system via the external module to facilitate payment.
3. The method according to claim 2, wherein, The camera is positioned above the sensing area and is used to capture images of the sensing area.
4. The method according to claim 2 or 3, wherein, The method further includes: If the acquisition command is not received, the camera will be switched to standby mode.
5. The method according to any one of claims 1-4, wherein, The method further includes: After successful payment, clear the payment code information contained in the NFC tag.
6. The method according to any one of claims 1-5, wherein, Before initiating the payment process in the terminal device, the method further includes: Detect whether the terminal device has enabled the terminal payment function; if it has, then perform the terminal payment. Initiating the payment process includes: If the terminal device does not have the terminal payment function enabled or the terminal payment fails, the payment program in the terminal device will be invoked.
7. The method according to any one of claims 1-6, wherein, include: If the payment is successful, retrieve the order payment information and display the payment success page.
8. A payment device, comprising: NFC tag, external module; the device also includes: The processing module is used to invoke the payment program in the terminal device to apply for a payment code when the NFC tag detects the presence of a terminal device in the sensing area; The processing module is also used to write the payment code into the NFC tag using a dynamic write-back method to obtain an NFC tag containing payment code information; The processing module is also used to send the payment code information in the NFC tag to the payee management information system through the external connection module for payment.
9. The apparatus according to claim 8, wherein, The payment device also includes a camera: The processing module is also configured to, if payment fails, invoke the payment page of the terminal device through the NFC tag and generate a sensing signal to send to the external module, so that the external module sends a collection command to the camera according to the sensing signal; The processing module is further configured to read the payment QR code obtained by the camera scanning the payment page in response to the acquisition command, and obtain payment code information; wherein, the payment QR code is obtained by encoding the payment code; The processing module is also used to send the payment code information to the payee's management information system through the external connection module for payment.
10. A payment device, comprising: Memory, processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory, causing the processor to perform the method as described in any one of claims 1-7.
11. A computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the method as claimed in any one of claims 1-7.