Payment service processing method, apparatus and device

Abstract

Disclosed in the present invention are a payment service processing method, apparatus and device, which are applied to an external payment device configured for a cashier POS terminal. The method comprises: detecting whether a cashier POS terminal has established, by means of one of a plurality of specified universal communication protocols, a first connection with an external payment device; if the cashier POS terminal has established the first connection, on the basis of the first connection, establishing a second connection with the cashier POS terminal by using a private communication protocol provided by a service provider of the external payment device, wherein the second connection is used for the cashier POS terminal to trigger the external payment device to use extended payment capabilities; when the external payment device uses the extended payment capabilities, generating corresponding service information, and detecting a mobile network state of the external payment device; and if the mobile network state is abnormal, transmitting, by means of the second connection, at least part of the service information to the cashier POS terminal, such that the cashier POS terminal forwards the at least part of the service information to make the service information indirectly reach a remote server.

Description

A payment processing method, apparatus, and equipment

[0001] This application claims priority to Chinese Patent Application No. 2025101857034, filed on February 19, 2025, entitled "A Payment Transaction Processing Method, Apparatus and Device", the entire contents of which are incorporated herein by reference. Technical Field

[0002] This specification relates to the field of electronic payment technology, and in particular to a payment processing method, apparatus, and equipment. Background Technology

[0003] In daily life, merchants typically use point-of-sale (POS) machines deployed at checkout counters to collect payments from customers. POS machines usually support traditional payment methods such as bank cards, credit cards, and cash. However, with the rise and increasing popularity of new payment methods, such as QR code payments, near-field communication (NFC) payments, facial recognition payments, and palm-swipe payments, the capabilities and convenience of POS machines are being challenged.

[0004] To fully leverage the existing POS terminals at numerous merchants to promote new payment methods, payment service providers offering these new methods have launched various corresponding external payment devices to extend the payment capabilities of POS terminals. This allows POS terminals to indirectly utilize the extended payment capabilities provided by these external payment devices, thereby supporting the corresponding new payment methods. For example, one type of external payment device is a near-field communication (NFC) payment device, which, by connecting to a POS terminal, extends the POS terminal's NFC payment capabilities.

[0005] Specifically, when a user wants to use Near Field Communication (NFC) payment at the checkout counter, the cashier can operate the POS machine to send a trigger signal to the NFC payment device. The NFC payment device, equipped with a 4G or 5G mobile communication module, uses its mobile network service to interact with the payment service provider's remote server, deducting the corresponding amount from the user's payment account. The deducted amount is then settled with the merchant according to a predetermined strategy. This solution allows merchants to easily expand support for more new payment methods even if they continue using their existing POS machines, with relatively low upgrade costs.

[0006] However, some problems have arisen in practical applications. Specifically, if the mobile network at the merchant's checkout location is abnormal, such as having a weak or no network signal, the operation of the external payment device deployed for the POS machine will be affected. Payment processing latency will increase or it may even fail and become unusable, thus impacting the payment experience for both users and merchants.

[0007] Therefore, solutions are needed to further improve the operational reliability of external payment devices. Summary of the Invention

[0008] This specification provides one or more embodiments of a payment processing method, apparatus, and device to address the following technical problem: the need for a solution that helps to further improve the operational reliability of external payment devices.

[0009] To solve the above-mentioned technical problems, one or more embodiments of this specification are implemented as follows:

[0010] This specification provides a payment processing method according to one or more embodiments, applied to an external payment device configured for a POS terminal, wherein the POS terminal and the external payment device are provided by different service providers, and the method includes:

[0011] Detect whether the POS machine has established a first connection with the external payment device through one of a variety of common communication protocols;

[0012] If so, based on the first connection, a second connection is established with the POS machine using the private communication protocol provided by the service provider of the external payment device, so that the POS machine can trigger the external payment device to use the extended payment capability through the second connection;

[0013] When the external payment device uses extended payment capabilities, corresponding business information is generated, and the mobile network status of the external payment device is detected;

[0014] If the mobile network is in normal condition, the service information will be sent directly to the remote server of the service provider of the external payment device through the mobile network.

[0015] If the mobile network is not functioning properly, at least a portion of the business information is sent to the POS machine via the second connection, so that the POS machine forwards at least a portion of the business information, thereby indirectly reaching the remote server.

[0016] This specification provides one or more embodiments of a payment processing apparatus, applied to an external payment device configured for a POS terminal, wherein the POS terminal and the external payment device are provided by different service providers, and the apparatus includes:

[0017] The first connection detection module detects whether the POS machine has established a first connection with the external payment device through one of a variety of general communication protocols.

[0018] If the second connection establishment module is present, it establishes a second connection with the POS machine based on the first connection and using the private communication protocol provided by the service provider of the external payment device. This connection is used by the POS machine to trigger the external payment device to use its extended payment capabilities.

[0019] The network status detection module generates corresponding business information and detects the mobile network status of the external payment device when the external payment device uses extended payment capabilities.

[0020] If the mobile network is in normal condition, the business information direct transmission module will send the business information directly to the remote server of the service provider of the external payment device through the mobile network.

[0021] If the mobile network is not functioning properly, the business information forwarding module will send at least a portion of the business information to the POS machine via the second connection, so that the POS machine will forward at least a portion of the business information and indirectly deliver it to the remote server.

[0022] This specification provides one or more embodiments of a payment processing device, applied to an external payment device configured for a POS terminal, wherein the POS terminal and the external payment device are provided by different service providers, and the device includes:

[0023] At least one processor; and,

[0024] A memory communicatively connected to the at least one processor; wherein,

[0025] The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform:

[0026] Detect whether the POS machine has established a first connection with the external payment device through one of a variety of common communication protocols;

[0027] If so, based on the first connection, a second connection is established with the POS machine using the private communication protocol provided by the service provider of the external payment device, so that the POS machine can trigger the external payment device to use the extended payment capability through the second connection;

[0028] When the external payment device uses extended payment capabilities, corresponding business information is generated, and the mobile network status of the external payment device is detected;

[0029] If the mobile network is in normal condition, the service information will be sent directly to the remote server of the service provider of the external payment device through the mobile network.

[0030] If the mobile network is not functioning properly, at least a portion of the business information is sent to the POS machine via the second connection, so that the POS machine forwards at least a portion of the business information, thereby indirectly reaching the remote server.

[0031] The above-mentioned at least one technical solution adopted in one or more embodiments of this specification can achieve the following beneficial effects: Based on the private communication protocol provided by the service provider of the external payment device, it is compatible with a variety of general communication protocols at a lower layer. Even if different POS machines use different general connection methods to connect with the external payment device (i.e., the first connection), the external payment device can automatically establish a higher-level connection with the POS machine based on the private communication protocol without obstacles (i.e., the second connection). This higher-level connection provides a triggering channel for the POS machine to trigger the external payment device. On the other hand, it is also prepared to lend this channel to the external payment device for indirect remote interaction. Thus, when the mobile network status of the external payment device is abnormal, it can automatically borrow the network capabilities of the POS machine (especially reliable wired communication network capabilities) through this channel to interact with the remote server for business information, reliably complete payment-related business for users, help improve the user and merchant experience, and help better promote more payment methods based on external payment devices. Attached Figure Description

[0032] To more clearly illustrate the technical solutions in the embodiments or prior art of this specification, the drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0033] Figure 1 is a schematic flowchart of a payment transaction processing method provided in one or more embodiments of this specification;

[0034] Figure 2 is a schematic diagram of the implementation system framework of the method of Figure 1 provided in one or more embodiments of this specification in a real-world scenario.

[0035] Figure 3 is a flowchart illustrating a data processing scheme utilizing a small instruction channel provided in one or more embodiments of this specification;

[0036] Figure 4 is a flowchart illustrating a rerouting scheme for information sent by a user's mobile terminal, provided in one or more embodiments of this specification.

[0037] Figure 5 is a schematic diagram of the structure of a payment processing device provided in one or more embodiments of this specification;

[0038] Figure 6 is a schematic diagram of the structure of a payment processing device provided in one or more embodiments of this specification. Detailed Implementation

[0039] This specification provides a payment processing method, apparatus, device, and storage medium through its embodiments.

[0040] To enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of this application.

[0041] To address the problems in the background technology, this application considers reusing the trigger channel between the POS machine and the external payment device to provide the external payment device with indirect remote interaction capabilities. This allows the external payment device to temporarily utilize this remote interaction capability when its mobile network is unavailable. Furthermore, it should be emphasized that, considering the diverse specifications and limited processing capabilities of existing POS machines, a lightweight small instruction method is used to construct the trigger channel. This introduces the additional problem of insufficient trigger channel capabilities. A more in-depth supporting solution is also provided to address this additional problem, thereby providing the external payment device with higher business capabilities and enabling some currently unrealized applications.

[0042] Based on this overall approach, the solution proposed in this application will be further explained below.

[0043] Figure 1 is a flowchart illustrating a payment processing method provided by one or more embodiments of this specification. This method is applied to an external payment device configured for a POS terminal. The external payment device can provide one or more payment methods not present in the POS terminal itself, thereby extending the POS terminal's additional payment capabilities. Examples include near-field communication (NFC) payment (based on touch sensing recognition), facial recognition payment (based on face recognition), palm recognition payment (based on palmprint recognition), and iris recognition payment. Accordingly, the external payment device may be at least one of the following: NFC payment device, facial recognition payment device, palm recognition payment device, or iris recognition payment device.

[0044] External payment devices are particularly portable and compact, making them easier to deploy with POS machines. POS machines are existing, and there are various types available on the market. The solution proposed in this application can effectively accommodate a large number of different POS machines (different brands, models, operating systems, operating logics, hardware interfaces, communication capabilities, security capabilities, access control methods, etc.), with low modification costs. The POS machine and external payment device can be provided by different service providers (mainly referring to products from different companies). For example, the external payment device may be provided by a third-party payment service provider, while the POS machine may be provided by a traditional financial equipment manufacturer.

[0045] The process in Figure 1 includes the following steps:

[0046] S102: Detect whether the POS machine has established a first connection with the external payment device through one of the specified common communication protocols.

[0047] The term "general" here mainly refers to what is currently common and standardized (which could be internal standards of leading companies in the industry), and is relatively low-level at the protocol level. A POS machine itself supports one or more general communication protocols, such as serial port, Bluetooth, USB (including Type-C), WiFi, etc., and has corresponding hardware or wireless interfaces. Of course, the support for different POS machines may vary. In addition, these general communication protocols may overlap and be supported in some ways; for example, serial communication may also be implemented based on a USB interface, and so on.

[0048] For these common communication protocols, those supported by the external payment device can be designated as the specified common communication protocol. If the POS machine and the external payment device are connected via hardware interface or wirelessly based on any of these specified common communication protocols, a first connection is established. Taking a serial port (e.g., standard serial interfaces such as RS232 or RS485) as an example, the POS machine and the external payment device can be connected via a serial data cable; of course, a wireless serial port may also be used.

[0049] S104: If so, then based on the first connection, a second connection is established with the POS machine using the private communication protocol provided by the service provider of the external payment device, so that the POS machine can trigger the external payment device to use the extended payment capability through the second connection.

[0050] Private communication protocols are at a higher level than general communication protocols. That is, from the perspective of private communication protocols, data transmitted using general communication protocols can be encapsulated using private communication protocols to carry more special data. This allows the receiving end to decapsulate and identify the data using the private communication protocol, enabling more specialized business applications based on this special data.

[0051] In one or more embodiments of this specification, the proprietary communication protocol may be a protocol that supports or is limited to lightweight small instruction communication, which is particularly suitable for the basic scenario of this application. This is because the applicant has noticed that in practical applications, the processing power of POS machines is relatively limited, while the immediacy requirements of their services are relatively high. Although some existing advanced communication protocols can be used on some POS machines to create a business interaction channel between the POS machine and external payment devices, they can affect the working efficiency of the POS machine and may even cause slow response times. Based on this, the applicant has adopted a customized proprietary communication protocol, which can be called a small instruction protocol, to establish a second connection at a higher protocol level based on the first connection. This allows for interaction between the POS machine and the external payment device via small instructions, simplifying the information format and amount, and effectively reducing the interaction burden.

[0052] Through the second connection, the POS machine can send a business trigger command to trigger the external payment device to use extended payment capabilities, such as initiating near-field communication payment. Of course, after the external payment device completes the payment process by interacting with the remote server, it can also send a business result command to the POS machine through the second connection, so that the device can obtain the business result and display it to the cashier or user.

[0053] For external payment devices, since the proprietary communication protocol can be provided by the same service provider, the device can directly support the proprietary communication protocol through factory pre-installation or other methods. For POS machines, additional micro-command software can be deployed to extend support for the proprietary communication protocol, allowing external payment devices and POS machines to perform bidirectional micro-command communication based on their respective micro-command software.

[0054] In one or more embodiments of this specification, if the establishment of the first connection is detected, a small instruction software based on a private communication protocol provided by the service provider of the external payment device can be identified on the POS machine. Based on the first connection, communication is established with the small instruction software on the POS machine to establish a second connection based on the private communication protocol. After that, some specified business operations on the POS machine can be converted into corresponding lightweight small instructions, which are sent to the external payment device through the second connection to trigger the external payment device to use the corresponding extended capabilities.

[0055] The specified business operations include, for example, requesting payment, requesting membership login, or requesting registration of biometric information. It should be noted that these business operations can be newly defined based on or beyond the existing business semantics of the POS machine, using intent recognition or other methods to correspond to new business semantics. This firstly extends the functionality of the POS machine in terms of operational form, allowing cashiers to primarily operate the POS machine; the actual functionality is implemented by an external payment device.

[0056] S106: When the external payment device uses extended payment capabilities, generate corresponding business information and detect the mobile network status of the external payment device.

[0057] In one or more embodiments of this specification, the form of business information can be diverse. For example, a business code value reflecting user account information; a corresponding deduction authorization certificate; user biometrics; images related to the business; and so on.

[0058] At least some business information needs to be provided to the remote server corresponding to the external payment device for processing to complete the payment-related business, such as deduction, account login, member login, and verification information changes. First, the mobile network status of the external payment device needs to be checked to determine whether it is appropriate to communicate with the remote server through the external payment device's own mobile network service. If the mobile network signal is insufficient, such as weak or non-existent, the mobile network status can be considered abnormal; conversely, if it is strong, it can also be considered abnormal. Of course, the check can also involve other aspects, such as network transmission speed, stability, or reliability; inadequate performance can also indicate an abnormal mobile network status.

[0059] In addition, the external payment device itself may not support mobile networks. In this case, it can be directly assumed that the mobile network status of the external payment device is abnormal.

[0060] S108: If the mobile network is in normal condition, the service information is sent directly to the remote server of the service provider of the external payment device through the mobile network.

[0061] Mobile networks, such as 4G or 5G cellular networks, allow remote servers to process the received business information and return the processing results to external payment devices via the mobile network. The external payment devices can then notify the POS machine via a second connection.

[0062] S110: If the mobile network is not in good condition, at least a portion of the service information is sent to the POS machine via the second connection, so that the POS machine forwards at least a portion of the service information and indirectly reaches the remote server.

[0063] In one or more embodiments of this specification, a second connection and the remote communication capability of the POS machine (which is particularly reliable when the POS machine is connected to a wired network) are used to help the external payment device communicate indirectly with its remote server. At least some of the business information mentioned in step S110 may include key information required to perform the payment-related business, such as payment code value or account code value.

[0064] The POS machine forwards at least a portion of the aforementioned business information directly to the remote server, or forwards it to a designated service relay station, which then further routes and forwards it to the remote server. The response information processed by the remote server can then be returned via the reverse path.

[0065] Using the method shown in Figure 1, based on the private communication protocol provided by the service provider of the external payment device, it is compatible with various lower-level general communication protocols. Even if different POS machines use different general connection methods to connect to the external payment device (i.e., the first connection), the external payment device can automatically establish a higher-level connection with the POS machine based on the private communication protocol (i.e., the second connection) without any obstacles. This higher-level connection serves two purposes: firstly, it provides a triggering channel for the POS machine to trigger the external payment device; secondly, it is also prepared to lend this channel to the external payment device for indirect remote interaction. Thus, even when the mobile network status of the external payment device is abnormal, it can automatically borrow the network capabilities of the POS machine (especially reliable wired communication network capabilities) through this channel to interact with the remote server for business information, reliably completing payment-related business for users. This helps improve the user and merchant experience and facilitates the promotion of more payment methods based on external payment devices.

[0066] It should be noted that this application primarily employs a small instruction channel (i.e., second connection) sharing method to achieve offline remote communication for external payment devices. The advantages of this method include simple deployment; it mainly requires installing small instruction software on the POS machine, eliminating the need for merchants to perform complex permission configurations. Furthermore, it offers good applicability to different POS machine operating systems and operating methods. Once the first connection is established, the small instruction software automatically establishes a second connection at a higher protocol level, ready to connect. This allows the external payment device to stably utilize the POS machine's network capabilities via the small instruction channel, without requiring additional merchant intervention, resulting in a seamless and convenient experience.

[0067] Based on the method in Figure 1, this specification also provides some specific implementation schemes and extension schemes of the method, which will be further explained below.

[0068] Based on the foregoing description, for ease of implementation and to make it more intuitive, one or more embodiments of this specification also provide a schematic diagram of the implementation system framework of the method of Figure 1 in a real-world scenario, see Figure 2.

[0069] In this practical scenario, common communication protocols include serial ports, Bluetooth, or other relatively standardized protocols supported by the POS machine. The aforementioned business information includes at least the corresponding Remote Procedure Call (RPC) requests, and the aforementioned proprietary communication protocol can be a small instruction protocol.

[0070] In Figure 2, the system framework is mainly divided into three parts. The upper left side represents the external payment device, and the upper right side represents the POS machine, which can be any of the various heterogeneous models currently available on the market. These two parts are located at the merchant's cashier. Additionally, there is a user mobile terminal (not shown), which can interact with the external POS device to obtain user information for deductions or other business operations. The lower side represents the remote devices, including the remote server corresponding to the external payment device, which can be a payment server, and also includes a service relay station.

[0071] Mini-instruction software can be pre-deployed on external payment devices and POS machines, respectively, to equip them with the corresponding drivers and software capabilities. These are referred to as external mini-instruction software and POS machine mini-instruction software. For example, the POS machine mini-instruction software includes a mini-instruction service module, a mini-instruction protocol management module, and an RPC management module. The mini-instruction protocol management module includes a mini-instruction SDK for implementing the mini-instruction protocol, and the mini-instruction service manages bidirectional communication of mini-instructions. The external POS device also has an additional POS component for generating corresponding RRC requests in response to current payment-related transactions.

[0072] A typical operation of the system framework in Figure 2 includes the following actions:

[0073] When the POS machine connects to an external payment device via Bluetooth, serial port, or other specified low-level communication protocol interface, it automatically triggers a small command connection state, that is, establishes a second connection.

[0074] The cashier triggers the external payment device via the POS machine and / or the user via mobile phone to generate the corresponding RRC request, which is then sent to the remote server to request, such as to query the payment code or to query the payment result.

[0075] At this time, if the external payment device detects that its mobile network status is no network or weak network, it will send the RPC request to the small instruction software of the cashier POS machine through small instruction communication, and proxy the request to the relevant RPC interface to the service relay station.

[0076] After receiving the data, the service relay station automatically routes and forwards it to the relevant system service on the remote server. It then sends the data returned by the system service back to the POS machine and sends it back to the external payment device via a small instruction. This completes the process of using the small instruction channel and the POS machine network to proxy the operation of the relevant interface.

[0077] For example, the small instruction protocol will be further explained.

[0078] In terms of hierarchy, the aforementioned general communication protocols reside at the lower physical media layer and transport layer, while the small instruction protocol sits above these layers. It requires special encapsulation before being passed to the lower layers for processing and transmission. The special encapsulation can mainly include various small instructions, such as indicating the amount to be received, near-field communication, or payment types like facial recognition or palm recognition.

[0079] A custom small instruction protocol data frame format includes, for example, a 3-byte frame header, a 1-byte version number, a 4-byte data length, several bytes (a small amount) of data, a 1-byte checksum, and a 3-byte frame trailer. Key data fields include enumerated types such as "Payment," "Face Recognition," "Settings," and "Cancel." By triggering a pre-defined button on the POS machine, the corresponding small instruction is sent to the external payment device. For example, the "Payment" type corresponds to the payment button on the POS machine. When the cashier enters the payment amount and presses the button, it triggers the POS machine's original payment logic, entering the payment state. Simultaneously, it generates a corresponding payment small instruction, which is sent to the external payment device via the small instruction channel. This triggers the external payment device to also enter the payment state based on its extended payment methods, allowing the user to freely choose to use the external payment device for payment.

[0080] Furthermore, in the solution of this application, the RPC request generated by the external payment device (which can be simplified according to the set rules and transformed into a lighter-weight instruction content data) can be encapsulated in the instruction protocol data frame and sent indirectly to the remote end through the instruction channel and the POS machine. This eliminates the need to rely on the mobile network of the external payment device itself, and also reduces the burden on the POS machine, while making fuller use of the instruction channel.

[0081] In one or more embodiments of this specification, considering that the amount of data generated for the corresponding business information when using extended payment capabilities on an external payment device may be relatively large, this could pose an obstacle to the transmission of small instruction channels. Furthermore, since this application also considers using business information to carry more special information to achieve additional special purposes, this may exacerbate the aforementioned obstacles.

[0082] To address this obstacle, one or more embodiments of this specification provide a data processing scheme that utilizes a small instruction channel as a solution. Figure 3 is a flowchart illustrating this scheme.

[0083] The scheme in Figure 3 includes the following steps:

[0084] S302: When sending at least a portion of the business information to the POS machine via the second connection, the corresponding business information is specifically split into a lightweight information portion and other information portions.

[0085] For other information sections, which have larger data volumes and / or more complex structures compared to lightweight information sections, using small instruction channels for transmission may present issues related to efficiency and reliability.

[0086] In one or more embodiments of this specification, the key information (especially the minimum key information) required to perform this payment-related business is included in at least a portion of the business information. Preferably, this key information is included in the lightweight information section. Thus, by successfully performing only the corresponding lightweight interaction, the basic, high-priority business task can be completed, ensuring a good user and merchant experience. For example, assuming this payment-related business is a deduction payment, the key information might be the payment code value or user account, and other information might be verification information or behavior record information. Of course, this payment-related business could also be a composite task including deduction payments and other additional tasks, in which case the amount or type of other information would increase accordingly, such as potentially including additional screenshots, biometric information, and data collection information.

[0087] Furthermore, for at least some of the aforementioned business information, a field-level decomposition is performed to more accurately separate lightweight information components. Specifically, for multiple fields within the same structure, key fields are extracted, and the key fields extracted from multiple structures are restructured into a new structure as the lightweight information component, while the remaining parts are designated as other information components.

[0088] In one or more embodiments of this specification, based on an external payment device and the above-mentioned information splitting scheme, a scheme is also provided to additionally register and bind another biometric information during the payment process. In this way, users do not need to perform a relatively cumbersome active registration operation on their own mobile phones, and the impact on the efficiency of the external payment device in performing payment business is also low.

[0089] In this case, the other information portion mentioned above may include the first biometric information used by the current user for registration, and the extended payment capability mentioned above is near-field communication payment capability or payment capability based on the second biometric information, wherein the first biometric information and the second biometric information correspond to different types of biometrics.

[0090] For example, assuming the external payment device is a near-field payment device, before the current user touches the near-field payment device with their mobile terminal (taking a mobile phone that supports near-field communication as an example), the near-field payment device can prompt the user to quickly register their first biometric information (taking facial information as an example). If the user agrees, when the user touches the near-field payment device with their mobile phone, on the one hand, the device reads the user's account information or payment code value and other key information for payment based on near-field communication, as information corresponding to the user. On the other hand, the device also collects the user's facial information. This corresponding information can be transmitted as lightweight information through a second connection, and the facial information can be transmitted as other information through a first connection. Then, the facial information can be bound to the user reflected by the corresponding information on a remote server (this binding operation can also be performed locally on the external payment device and then updated to the remote server). Thus, the user can then directly make a facial payment on the facial recognition payment device provided by the corresponding payment service provider.

[0091] Similarly, external payment devices can also be facial recognition payment devices. In this case, the second biometric feature can be a facial feature (which can be lightly processed to adapt to the capabilities of small commands if necessary), and the first biometric feature can be a palm print (palm prints can be collected in a more refined manner to ensure the sufficiency and accuracy of registration information). In this scenario, users can conveniently register their palm print features when making facial recognition payments. Following the same logic, there can be many other different implementation methods depending on the payment capabilities of the external payment device.

[0092] S304: The lightweight information portion is sent to the instruction software via the second connection, and the other information portion is sent to the POS machine via the first connection.

[0093] In one or more embodiments of this specification, the lightweight information portion is transmitted via a small instruction channel, which is more efficient and effectively reduces the adverse effects on the small instruction channel. Furthermore, small instruction protocol encapsulation can be used to apply special security processing to the lightweight information portion, resulting in better security. Other information portions, however, can be encapsulated using a lower-level general communication protocol instead of the small instruction protocol and then sent directly through the first connection.

[0094] To improve the reliability of the first connection transmission and ensure smooth and accurate subsequent parsing, additional processing is applied to other information components before transmission. Specifically, the information type corresponding to the general communication protocol of the first connection is determined, and other information components are converted or packaged, disguised as information suitable for transmission based on the corresponding general communication protocol (e.g., disguised as an image, audio, ordinary file, or meaningless byte stream). Then, the disguised information is sent to the POS machine via the first connection, allowing subsequent reconstruction of other information components based on the disguised information. Regarding the determination of the corresponding information type, if the information type of historical information most frequently and directly transmitted by the current POS machine based on the general communication protocol can be obtained, then that information type can be determined as the corresponding information type. In this case, other information components can be further disguised as this historical information, thus improving security and reliability. Otherwise, the information type corresponding to the general communication protocol can be determined based on general experience.

[0095] In one or more embodiments of this specification, considering that the solution can be implemented in different POS machine environments in practical applications, and since the POS machine is provided by other service providers, it may not be reliable enough, a defensive approach is taken, and decisions are made on whether to make fuller use of the POS machine's capabilities based on the current situation.

[0096] Specifically, after splitting the relevant business information into lightweight information and other information, the system obtains the capability extension security level of the POS machine. This capability extension security level is calculated based on the general communication protocol upon which the first connection is established (e.g., the security of the protocol itself) and / or relevant information about the POS machine's service provider (e.g., the service provider's reputation, the POS machine's model and capabilities). This level can be used to represent the reliability of the POS machine relative to external payment devices. If the capability extension security level is high enough, a first indicator (e.g., an additional flag) is carried in the lightweight information portion to instruct the POS machine to reassemble the lightweight information and other information. If the capability extension security level is insufficient, a second indicator is carried in the lightweight information portion to instruct the remote server to reassemble the lightweight information and other information. The POS machine's small instruction software processes accordingly based on these indicators.

[0097] To further ensure the transmission efficiency of lightweight information and prevent congestion on the first connection, after obtaining the corresponding capability extension security level of the POS machine, lightweight information can be transmitted first, while other information can be sent asynchronously and with a delay. It should be noted that other information can also be transmitted asynchronously and with a delay via the second connection, instead of directly through the first connection. In this case, small instruction protocol encapsulation is also required for the other information.

[0098] In one or more embodiments of this specification, considering that the mobile network status of the user's mobile terminal currently making the payment may also be abnormal when the mobile network status of the external payment device is abnormal, this application also provides a rerouting scheme for the information sent by the user's mobile terminal, so as to provide business reliability assurance for the user's mobile terminal without being noticed by the external payment device and the POS machine. Figure 4 is a flowchart of this rerouting scheme.

[0099] The process shown in Figure 4 includes the following steps:

[0100] S402: Receive rerouting instructions and payment interaction information sent by a user's mobile terminal via near-field communication when the user's mobile network status is abnormal.

[0101] A rerouting instruction is used to request network assistance from an external payment device. Payment interaction information (such as payment confirmation information) is originally intended for the user's mobile terminal to send directly to the corresponding payment server (such as the aforementioned remote server or another server provided by the payment service provider) via its own mobile network.

[0102] If the user's mobile network is functioning normally, then only payment interaction information needs to be sent.

[0103] S404: In response to the rerouting instruction, the payment interaction information is converted into a user instruction.

[0104] S406: The user's small command is sent to the POS machine through the second connection to help the user's mobile terminal perform remote interaction.

[0105] In one or more embodiments of this specification, the second connection can be divided into a first channel and a second channel with data isolation; the user's instructions are sent to the POS machine through the first channel; and the second channel is used to send at least some business information. This avoids data confusion and facilitates control over the sending order as well as the execution of optional, targeted, and differentiated processing.

[0106] S408: Receives the remote response command forwarded by the POS machine and returns it to the user's mobile terminal via short-range communication.

[0107] The solution shown in Figure 4 allows for seamless remote interaction even when both the user's mobile terminal and the external payment device are in an abnormal mobile network state, with good efficiency and security.

[0108] Based on the same approach, one or more embodiments of this specification also provide apparatus and devices corresponding to the above methods, as shown in Figures 5 and 6. The apparatus and devices are capable of executing the above methods and related optional solutions accordingly.

[0109] Figure 5 is a schematic diagram of a payment processing device provided in one or more embodiments of this specification, applied to an external payment device configured for a POS machine. The POS machine and the external payment device are provided by different service providers. The device includes:

[0110] The first connection detection module 502 detects whether the POS machine has established a first connection with the external payment device through one of the specified common communication protocols.

[0111] If the second connection establishment module 504 is such that, based on the first connection, it uses the private communication protocol provided by the service provider of the external payment device to establish a second connection with the POS machine, so that the POS machine can trigger the external payment device to use the extended payment capability through the second connection.

[0112] The network status detection module 506 generates corresponding business information and detects the mobile network status of the external payment device when the external payment device uses the extended payment capability.

[0113] The business information direct transmission module 508, if the mobile network is in normal condition, will send the business information directly to the remote server of the service provider of the external payment device through the mobile network.

[0114] If the mobile network is not functioning properly, the business information forwarding module 510 will send at least a portion of the business information to the POS machine via the second connection, so that the POS machine will forward at least a portion of the business information and indirectly deliver it to the remote server.

[0115] Optionally, the second connection establishment module 504 determines the small instruction software deployed on the POS machine, which is based on the private communication protocol provided by the service provider of the external payment device;

[0116] Based on the first connection, a second connection is established based on the private communication protocol to communicate with the small instruction software on the POS machine. This connection is used to send lightweight small instructions converted from business operations on the POS machine to the external payment device, thereby triggering the external payment device to use extended payment capabilities.

[0117] Optionally, the private communication protocol is a protocol limited to lightweight, small instruction communication;

[0118] The general communication protocol includes at least one of the following types: serial port, Bluetooth, USB, and WiFi.

[0119] Optionally, the service information forwarding module 510 splits the corresponding service information into a lightweight information part and other information parts;

[0120] The lightweight information portion is sent to the instruction software via the second connection, and the other information portion is sent to the POS machine via the first connection.

[0121] Optionally, the service information forwarding module 510 determines the information type corresponding to the general communication protocol corresponding to the first connection;

[0122] The other information portions are converted or packaged to disguise them as disguised information of the corresponding information type;

[0123] The spoofing information is sent to the POS machine via the first connection, so that the other information can be restored based on the spoofing information.

[0124] Optionally, after splitting the corresponding business information into a lightweight information part and other information parts, the business information forwarding module 510 obtains the capability extension security level corresponding to the POS machine. The capability extension security level is calculated based on the general communication protocol on which the first connection is established and the relevant information of the POS machine's service provider.

[0125] If the capability extension security is high enough, a first indication identifier is carried in the lightweight information portion to indicate that the lightweight information portion and the other information portions are reassembled on the POS machine.

[0126] If the security of the capability extension is not high enough, a second indication identifier is carried in the lightweight information portion to instruct the lightweight information portion to be reassembled with the other information portions on the remote server.

[0127] Optionally, the key information required to perform this payment-related business is included in the lightweight information section;

[0128] After obtaining the capability extension security level corresponding to the POS machine, the business information forwarding module 510 asynchronously delays sending the other information parts relative to the lightweight information parts.

[0129] Optionally, the other information portion includes the first biometric information used by the current user for registration;

[0130] The extended payment capability is either near-field communication payment capability or payment capability based on second biometric information;

[0131] The first biometric information and the second biometric information correspond to different types of biometrics, respectively.

[0132] Optionally, the extended payment capability is a near-field communication payment capability;

[0133] The network status detection module 506 prompts the current user to register the first biometric information before the user's mobile terminal touches the external payment device.

[0134] If the user agrees, when the user's mobile terminal touches the external payment device, key information for payment is read based on near-field communication and included as part of the lightweight information.

[0135] In addition, the user's first biometric information is also collected as part of the other information.

[0136] Optionally, the service information forwarding module 510 receives rerouting instructions and payment interaction information sent by the user's mobile terminal through near-field communication when the user's mobile network status is abnormal.

[0137] In response to the rerouting instruction, the payment interaction information is converted into a user-side instruction;

[0138] The user's small command is sent to the POS machine through the second connection to help the user's mobile terminal perform remote interaction;

[0139] The system receives remote response instructions forwarded by the POS machine and returns them to the user's mobile terminal via short-range communication.

[0140] Optionally, the service information forwarding module 510 divides the second connection into a first channel and a second channel with data isolation.

[0141] The user's small instruction is sent to the POS machine through the first channel;

[0142] The second channel is used to send at least a portion of the service information.

[0143] Optionally, the external payment device belongs to at least one of the following types of devices:

[0144] Near-field communication payment devices, facial recognition payment devices, and palm recognition payment devices.

[0145] Figure 6 is a schematic diagram of a payment processing device provided in one or more embodiments of this specification. It is applied to an external payment device configured for a POS terminal, wherein the POS terminal and the external payment device are provided by different service providers. The device includes:

[0146] At least one processor; and,

[0147] A memory communicatively connected to the at least one processor; wherein,

[0148] The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform:

[0149] Detect whether the POS machine has established a first connection with the external payment device through one of a variety of common communication protocols;

[0150] If so, based on the first connection, a second connection is established with the POS machine using the private communication protocol provided by the service provider of the external payment device, so that the POS machine can trigger the external payment device to use the extended payment capability through the second connection;

[0151] When the external payment device uses extended payment capabilities, corresponding business information is generated, and the mobile network status of the external payment device is detected;

[0152] If the mobile network is in normal condition, the service information will be sent directly to the remote server of the service provider of the external payment device through the mobile network.

[0153] If the mobile network is not functioning properly, at least a portion of the business information is sent to the POS machine via the second connection, so that the POS machine forwards at least a portion of the business information, thereby indirectly reaching the remote server.

[0154] Based on the same idea, one or more embodiments of this specification also provide a non-volatile computer storage medium for use with an external payment device configured for a POS machine, wherein the POS machine and the external payment device are provided by different service providers, and the medium stores computer-executable instructions configured as follows:

[0155] Detect whether the POS machine has established a first connection with the external payment device through one of a variety of common communication protocols;

[0156] If so, based on the first connection, a second connection is established with the POS machine using the private communication protocol provided by the service provider of the external payment device, so that the POS machine can trigger the external payment device to use the extended payment capability through the second connection;

[0157] When the external payment device uses extended payment capabilities, corresponding business information is generated, and the mobile network status of the external payment device is detected;

[0158] If the mobile network is in normal condition, the service information will be sent directly to the remote server of the service provider of the external payment device through the mobile network.

[0159] If the mobile network is not functioning properly, at least a portion of the business information is sent to the POS machine via the second connection, so that the POS machine forwards at least a portion of the business information, thereby indirectly reaching the remote server.

[0160] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that a methodological improvement cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must also be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0161] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0162] 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.

[0163] For ease of description, the above devices are described in terms of function, divided into various units. Of course, in implementing this specification, the functions of each unit can be implemented in one or more software and / or hardware components.

[0164] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the embodiments of this specification can take the form of a computer program product implemented on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0165] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in one or more flowchart illustrations and / or one or more block diagrams.

[0166] 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.

[0167] 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.

[0168] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0169] 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.

[0170] 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 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.

[0171] 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.

[0172] This specification can be described in the general context of computer-executable instructions that are executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This specification can also be practiced in distributed computing environments, where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0173] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the embodiments of apparatus, devices, and non-volatile computer storage media are basically similar to the method embodiments, so the descriptions are relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0174] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0175] The above description is merely one or more embodiments of this specification and is not intended to limit this specification. Various modifications and variations can be made to the one or more embodiments of this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principle of one or more embodiments of this specification should be included within the scope of the claims of this specification.

Claims

1. A payment processing method, applied to an external payment device configured for a POS terminal, wherein the POS terminal and the external payment device are provided by different service providers, the method comprising: Detect whether the POS machine has established a first connection with the external payment device through one of a variety of common communication protocols; If so, based on the first connection, a second connection is established with the POS machine using the private communication protocol provided by the service provider of the external payment device, so that the POS machine can trigger the external payment device to use the extended payment capability through the second connection; When the external payment device uses extended payment capabilities, corresponding business information is generated, and the mobile network status of the external payment device is detected; If the mobile network is in normal condition, the service information will be sent directly to the remote server of the service provider of the external payment device through the mobile network. If the mobile network is not functioning properly, at least a portion of the business information is sent to the POS machine via the second connection, so that the POS machine forwards at least a portion of the business information, thereby indirectly reaching the remote server.

2. The method as described in claim 1, wherein establishing a second connection with the POS machine based on the first connection and using a private communication protocol provided by the service provider of the external payment device specifically includes: The small instruction software deployed on the POS machine is based on a private communication protocol provided by the service provider of the external payment device. Based on the first connection, a second connection is established based on the private communication protocol to communicate with the small instruction software on the POS machine. This connection is used to send lightweight small instructions converted from business operations on the POS machine to the external payment device, thereby triggering the external payment device to use extended payment capabilities.

3. The method as described in claim 2, wherein the proprietary communication protocol is limited to a lightweight, small-instruction communication protocol; The general communication protocol includes at least one of the following types: serial port, Bluetooth, USB, and WiFi.

4. The method as described in claim 2, wherein sending at least a portion of the business information to the POS machine via the second connection specifically includes: The corresponding business information is divided into lightweight information components and other information components; The lightweight information portion is sent to the instruction software via the second connection, and the other information portion is sent to the POS machine via the first connection.

5. The method as described in claim 4, wherein sending the other information portion to the POS machine via the first connection specifically includes: Determine the information type corresponding to the general communication protocol of the first connection; The other information portions are converted or packaged to disguise them as disguised information of the corresponding information type; The spoofing information is sent to the POS machine via the first connection, so that the other information can be restored based on the spoofing information.

6. The method as described in claim 4, wherein after splitting the corresponding business information into lightweight information components and other information components, the method further includes: The capability extension security level corresponding to the POS machine is obtained. The capability extension security level is calculated based on the general communication protocol on which the first connection is established and the relevant information of the POS machine's service provider. If the capability extension security is high enough, a first indication identifier is carried in the lightweight information portion to indicate that the lightweight information portion and the other information portions are reassembled on the POS machine. If the security of the capability extension is not high enough, a second indication identifier is carried in the lightweight information portion to instruct the lightweight information portion to be reassembled with the other information portions on the remote server.

7. The method as described in claim 6, wherein the key information required to perform this payment-related business is included in the lightweight information portion; After obtaining the capability extension security level corresponding to the POS machine, the method further includes: The other information portions are sent asynchronously and with a delay relative to the lightweight information portion.

8. The method of claim 4, wherein the other information portion includes first biometric information used by the current user for registration; The extended payment capability is either near-field communication payment capability or payment capability based on second biometric information; in, The first biometric information and the second biometric information correspond to different types of biometrics, respectively.

9. The method as described in claim 8, wherein the extended payment capability is a near-field communication payment capability; The generation of the corresponding business information specifically includes: Before the user's mobile terminal touches the external payment device, the user is prompted to register the first biometric information. If the user agrees, when the user's mobile terminal touches the external payment device, key information for payment is read based on near-field communication and included as part of the lightweight information. In addition, the user's first biometric information is also collected as part of the other information.

10. The method of claim 2, further comprising: Receive rerouting instructions and payment interaction information sent by the user's mobile terminal via near-field communication when the user's mobile network status is abnormal; In response to the rerouting instruction, the payment interaction information is converted into a user-side instruction; The user's small command is sent to the POS machine through the second connection to help the user's mobile terminal perform remote interaction; The system receives remote response instructions forwarded by the POS machine and returns them to the user's mobile terminal via short-range communication.

11. The method of claim 10, wherein sending the user's instruction to the POS machine via the second connection specifically includes: The second connection is divided into a first channel and a second channel with data isolation; The user's small instruction is sent to the POS machine through the first channel; The second channel is used to send at least a portion of the service information.

12. The method according to any one of claims 1 to 11, wherein the external payment device is at least one of the following types of devices: Near-field communication payment devices, facial recognition payment devices, and palm recognition payment devices.

13. A payment processing apparatus, applied to an external payment device configured for a POS terminal, wherein the POS terminal and the external payment device are provided by different service providers, the apparatus comprising: The first connection detection module detects whether the POS machine has established a first connection with the external payment device through one of a variety of general communication protocols. If the second connection establishment module is present, it establishes a second connection with the POS machine based on the first connection and using the private communication protocol provided by the service provider of the external payment device. This connection is used by the POS machine to trigger the external payment device to use its extended payment capabilities. The network status detection module generates corresponding business information and detects the mobile network status of the external payment device when the external payment device uses extended payment capabilities. If the mobile network is in normal condition, the business information direct transmission module will send the business information directly to the remote server of the service provider of the external payment device through the mobile network. If the mobile network is not functioning properly, the business information forwarding module will send at least a portion of the business information to the POS machine via the second connection, so that the POS machine will forward at least a portion of the business information and indirectly deliver it to the remote server.

14. The apparatus of claim 13, wherein the second connection establishment module determines a small instruction software deployed on the POS machine, based on a private communication protocol provided by the service provider of the external payment device; Based on the first connection, a second connection is established based on the private communication protocol to communicate with the small instruction software on the POS machine. This connection is used to send lightweight small instructions converted from business operations on the POS machine to the external payment device, thereby triggering the external payment device to use extended payment capabilities.

15. The apparatus of claim 14, wherein the proprietary communication protocol is limited to a lightweight, small instruction communication protocol; The general communication protocol includes at least one of the following types: serial port, Bluetooth, USB, and WiFi.

16. The apparatus of claim 14, wherein the service information forwarding module splits the corresponding service information into a lightweight information portion and other information portions; The lightweight information portion is sent to the instruction software via the second connection, and the other information portion is sent to the POS machine via the first connection.

17. The apparatus of claim 16, wherein the service information forwarding module determines the information type corresponding to the general communication protocol corresponding to the first connection; The other information portions are converted or packaged to disguise them as disguised information of the corresponding information type; The spoofing information is sent to the POS machine via the first connection, so that the other information can be restored based on the spoofing information.

18. The apparatus of claim 16, wherein the business information forwarding module, after splitting the corresponding business information into a lightweight information part and other information parts, obtains the capability extension security level corresponding to the POS machine, wherein the capability extension security level is calculated based on the general communication protocol on which the first connection is established and the relevant information of the service provider of the POS machine; If the capability extension security is high enough, a first indication identifier is carried in the lightweight information portion to indicate that the lightweight information portion and the other information portions are reassembled on the POS machine. If the security of the capability extension is not high enough, a second indication identifier is carried in the lightweight information portion to instruct the lightweight information portion to be reassembled with the other information portions on the remote server.

19. The apparatus of claim 18, wherein the key information required to perform the payment-related business is included in the lightweight information portion; After obtaining the capability extension security level corresponding to the POS machine, the business information forwarding module asynchronously delays sending the other information parts relative to the lightweight information parts.

20. The apparatus of claim 16, wherein the other information portion includes first biometric information used by the current user for registration; The extended payment capability is either near-field communication payment capability or payment capability based on second biometric information; in, The first biometric information and the second biometric information correspond to different types of biometrics, respectively.

21. The apparatus of claim 20, wherein the extended payment capability is a near-field communication payment capability; The network status detection module prompts the current user to register the first biometric information before the user's mobile terminal touches the external payment device. If the user agrees, when the user's mobile terminal touches the external payment device, key information for payment is read based on near-field communication and included as part of the lightweight information. In addition, the user's first biometric information is also collected as part of the other information.

22. The apparatus of claim 14, wherein the service information forwarding module receives a rerouting instruction and payment interaction information sent by a user mobile terminal via near-field communication when the user's mobile network status is abnormal; In response to the rerouting instruction, the payment interaction information is converted into a user-side instruction; The user's small command is sent to the POS machine through the second connection to help the user's mobile terminal perform remote interaction; The system receives remote response instructions forwarded by the POS machine and returns them to the user's mobile terminal via short-range communication.

23. The apparatus of claim 22, wherein the service information forwarding module divides the second connection into a first channel and a second channel with data isolation; The user's small instruction is sent to the POS machine through the first channel; in, The second channel is used to send at least a portion of the service information.

24. The apparatus according to any one of claims 13 to 23, wherein the external payment device is at least one of the following: Near-field communication payment devices, facial recognition payment devices, and palm recognition payment devices.

25. A payment processing device, used for an external payment device configured for a POS terminal, wherein the POS terminal and the external payment device are provided by different service providers, the device comprising: At least one processor; as well as, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform: Detect whether the POS machine has established a first connection with the external payment device through one of a variety of common communication protocols; If so, based on the first connection, a second connection is established with the POS machine using the private communication protocol provided by the service provider of the external payment device, so that the POS machine can trigger the external payment device to use the extended payment capability through the second connection; When the external payment device uses extended payment capabilities, corresponding business information is generated, and the mobile network status of the external payment device is detected; If the mobile network is in normal condition, the service information will be sent directly to the remote server of the service provider of the external payment device through the mobile network. If the mobile network is not functioning properly, at least a portion of the business information is sent to the POS machine via the second connection, so that the POS machine forwards at least a portion of the business information, thereby indirectly reaching the remote server.

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