CN119722057B - Payment methods, devices, equipment and storage media - Google Patents
Payment methods, devices, equipment and storage mediaInfo
- Publication number
- CN119722057B CN119722057B CN202411789796.3A CN202411789796A CN119722057B CN 119722057 B CN119722057 B CN 119722057B CN 202411789796 A CN202411789796 A CN 202411789796A CN 119722057 B CN119722057 B CN 119722057B
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- payment
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- terminal device
- camera
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Abstract
本申请提供一种支付方法、装置、设备及存储介质。应用于支付装置，支付装置包括NFC标签、外联模块；该方法包括：当NFC标签检测到感应区域中存在终端设备时，调起终端设备中的支付程序，以申领付款码；将付款码采用动态回写的方式写入NFC标签中，得到包含付款码信息的NFC标签；通过外联模块将NFC标签中的付款码信息发送至收款方管理信息系统，以进行支付。
This application provides a payment method, apparatus, device, and storage medium. Applied to a payment device, the payment device includes an NFC tag and an external module. The method includes: when the NFC tag detects the presence of a terminal device in its sensing area, initiating a payment program on the terminal device to obtain 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 from the NFC tag to the payee's management information system via the external module to complete the payment.
Description
Technical Field
The present application relates to the field of financial services, and in particular, to a payment method, apparatus, device, and storage medium.
Background
With the wide application and rapid development of the Internet, the living and consumption scenes of people are gradually transferred to the online, and the popularization of mobile equipment such as smart phones, tablet computers and the like and the continuous upgrading of mobile network technology provide hardware and network foundation for rapid payment. With the continuous enrichment and diversification of consumption scenes, consumers need to rapidly complete payment under different scenes, and the diversified payment scene demands promote the application and development of rapid payment technologies in various fields.
At present, the mobile phone payment modes mainly comprise a code scanning box and a code touching and scanning box. In the code scanning box scheme, the problem that the operation flow of opening a two-dimensional code interface is overlong when a user needs to open a mobile phone to search a payment App is solved. In the scheme of touching a touch code, a user does not need to manually call a two-dimensional code interface, but needs to turn over a mobile phone to scan the two-dimensional code for payment, so that the problem of tedious operation flow still exists.
Therefore, the current payment method generally has the problem of low payment efficiency.
Disclosure of Invention
The embodiment of the application provides a payment method, a device, equipment and a storage medium, which are used for achieving the effect of supporting multiple payment modes by the same equipment and improving payment efficiency.
On one hand, the embodiment of the application provides a payment method, which is applied to a payment device, wherein the payment device comprises an NFC tag and an external connection module, when the NFC tag detects that a terminal device exists in an induction area, a payment program in the terminal device is called up to claim a payment code, the payment code is written into the NFC tag in a dynamic write-back mode to obtain the NFC tag containing payment code information, and the payment code information in the NFC tag is sent to a payee management information system through the external connection module to carry out payment.
In some examples, the payment device further comprises a camera, the method further comprises the steps of calling up a payment page of the terminal device through the NFC tag and generating an induction signal to send the induction signal to the external connection module, enabling the external connection module to send an acquisition instruction to the camera according to the induction signal, reading a payment two-dimensional code obtained by scanning the payment page through the camera in response to the acquisition instruction to obtain payment code information, wherein the payment two-dimensional code is obtained by encoding the payment code, and sending the payment code information to a payee management information system through the external connection module to pay.
In some examples, the camera is disposed above the sensing area for image acquisition of the sensing area.
In some examples, the camera is switched to the standby mode when no acquisition instruction is received.
In some examples, the payment code information contained in the NFC tag is cleared after the payment is successful.
In some examples, before the payment procedure in the terminal device is invoked, the method further comprises detecting whether the terminal device opens a terminal payment function, if so, performing terminal payment, and invoking the payment procedure, specifically comprises invoking the payment procedure in the terminal device if the terminal device does not open the terminal payment function or the terminal payment fails.
In some examples, if the payment is successful, order payment information is obtained, displaying a payment success page.
On the other hand, the embodiment of the application provides a payment device which comprises an NFC tag and an external connection module, and further comprises a processing module, wherein the processing module is used for calling a payment program in terminal equipment to claim a payment code when the NFC tag detects that the terminal equipment exists in an induction area, the processing module is further used for writing the payment code into the NFC tag in a dynamic write-back mode to obtain the NFC tag containing payment code information, and the processing module is further used for sending the payment code information in the NFC tag to a payee management information system through the external connection module to pay.
In some examples, the payment device further comprises a camera, a processing module and a receiving party management information system, wherein the processing module is further used for calling up a payment page of the terminal device through the NFC tag and generating an induction signal to be sent to the external connection module, so that the external connection module sends an acquisition instruction to the camera according to the induction signal, the processing module is further used for reading a payment two-dimensional code obtained by scanning the payment page by the camera in response to the acquisition instruction to obtain payment code information, the payment two-dimensional code is obtained by encoding the payment code, and the processing module is further used for sending the payment code information to the receiving party management information system through the external connection module to pay.
In yet another aspect, an embodiment of the present application provides a payment device, including a memory, a processor;
the memory stores computer-executable instructions;
the processor executes computer-executable instructions stored by the memory such that the processor performs the various possible implementations of the first aspect and/or the first aspect as described above.
In yet another aspect, embodiments of the present application provide a computer-readable storage medium having stored therein computer-executable instructions for implementing the various possible implementations of the above first aspect and/or the first aspect when executed by a processor.
In the payment method, the device, the equipment and the storage medium provided by the embodiment of the application, when the NFC label detects that the terminal equipment exists in the sensing area, the payment program in the terminal equipment is called up to claim the payment code, the payment code is written into the NFC label in a dynamic write-back mode to obtain the NFC label containing the payment code information, and the payment code information in the NFC label is sent to a payee management information system through an external connection module to carry out payment. According to the scheme, the terminal equipment and the NFC are combined in a bump-bump mode, so that the operation flow is further shortened, and the payment efficiency is improved.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.
FIG. 1 is a schematic flow chart of a payment method according to the present application;
FIG. 2 is a second flow chart of a payment method according to the present application;
FIG. 3 is a payment device;
Fig. 4 is a schematic structural diagram of a payment device according to the present application;
fig. 5 is a schematic structural diagram of a payment device according to the present application.
Specific embodiments of the present application have been shown by way of the above drawings and will be described in more detail below. The drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but rather to illustrate the inventive concepts to those skilled in the art by reference to the specific embodiments.
Detailed Description
Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of apparatus and methods consistent with aspects of the application as detailed in the accompanying claims.
The terms first, second and the like in the description and in the claims and in the above-described figures are used for distinguishing between similar or similar objects or entities and not necessarily for describing a particular sequential or chronological order, unless otherwise indicated (Unless otherwise indicated). It is to be understood that the terms so used are interchangeable under appropriate circumstances such that the embodiments of the application are, for example, capable of operation in sequences other than those illustrated or otherwise described herein.
Furthermore, the terms "comprise" and "have," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a product or apparatus that comprises a list of elements is not necessarily limited to those elements expressly listed, but may include other elements not expressly listed or inherent to such product or apparatus. The term "module" as used in this disclosure refers to any known or later developed hardware, software, firmware, artificial intelligence, fuzzy logic, or combination of hardware and/or software code that is capable of performing the function associated with that element.
Quick payment is a payment method capable of completing a funds transfer in a short time, which greatly shortens the payment processing time compared to conventional payment methods, so that transactions can be completed in real time. The fast payment can complete the transfer of funds from the payer account to the payee account in a few seconds to a few minutes, thereby providing a user with an efficient and convenient payment experience.
At present, the payment modes are divided into a code scanning box and a code touching and scanning mode, but the two payment modes have the problem of turning mobile phone equipment twice, so that the payment efficiency is low, and the same payment device cannot support multiple payment modes.
The technical scheme provided by the application aims to solve the technical problems in the prior art. In the payment method and the payment device provided by the embodiment of the application, when the NFC tag detects that the terminal equipment exists in the sensing area, the payment program in the terminal equipment is called up to claim the payment code, the payment code is written into the NFC tag in a dynamic write-back mode to obtain the NFC tag containing the payment code information, and the payment code information in the NFC tag is sent to the payee management information system through the external connection module to carry out payment. According to the scheme, the terminal equipment and the NFC are combined in a bump-bump mode, so that the operation flow is further shortened, and the payment efficiency is improved.
The following describes the technical scheme of the present application and how the technical scheme of the present application solves the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Example 1
Fig. 1 is a schematic flow chart of a payment method provided by the present application, as shown in fig. 1, applied to a quick payment device, where the payment device includes an NFC tag and an external module, and the method includes:
S101, when the NFC tag detects that the terminal device exists in the sensing area, a payment procedure in the terminal device is called up to claim a payment code.
S102, writing the payment code into the NFC tag in a dynamic write-back mode to obtain the NFC tag containing the payment code information.
And S103, sending the payment code information in the NFC tag to a payee management information system through an external connection module so as to pay.
The dynamic write-back is not preset and unchanged, but the payment code payment data is written back to a certain storage medium according to the actual application of the user and the payment scene at the time, and the storage medium is an NFC tag or other intelligent tags.
In an actual application scene, when a user selects an NFC payment mode, the NFC tag invokes a payment program in a mobile phone of the user, the payment program claims a payment code, the payment code is written into the NFC tag in a dynamic write-back mode to obtain an NFC tag containing payment code information, and an external module sends the payment code information in the NFC tag to a payee management information system for payment by taking the NFC tag as a medium. The payee manager information system (MANAGEMENT INFORMATION SYSTEM, MIS) is a system for processing payment transactions and managing related business processes in a payment application scenario.
The external connection module can be externally connected with a collection pipe management information system through wires and wireless (Wi-Fi\Bluetooth).
In addition, an indicator light may be provided on the payment device, with different colored lights indicating different conditions. For example, red light indicates that processing is in progress and green light indicates that processing is complete.
The payment code essentially consists of a series of character information, and the payment code in the form of two-dimensional code or bar code can be regarded as a series of characters containing payment key information after being decoded. In this example, the payment procedure of the terminal device is called up by the NFC tag, the payment procedure claims a payment code, the payment code is directly written in the NFC tag in a dynamic write-back manner, and then the external module sends the payment code information in the NFC tag to the payee management information system, and the payee management system performs payment according to the payment key information in the payment code information. The method comprises the steps of generating a payment code in a two-dimensional code form without generating the payment code according to the payment code, scanning and reading the payment code in the two-dimensional code form by using a camera, analyzing the payment code information for generating, and paying according to payment key information in the payment code information. By directly and dynamically writing back the payment code, the mobile phone does not need to turn over to scan the payment code in the form of the two-dimensional code, so that the operation flow is shortened, and the payment efficiency is improved.
Fig. 2 is a second flow chart of a payment method provided by the present application, as shown in fig. 2, in some examples, the payment device further includes a camera, and the method further includes:
s201, if payment fails, a payment page of the terminal device is called up through the NFC tag, an induction signal is generated and sent to the external connection module, and the external connection module sends an acquisition instruction to the camera according to the induction signal.
S202, a payment two-dimensional code obtained by scanning a payment page by a camera in response to an acquisition instruction is read, and payment code information is obtained, wherein the payment two-dimensional code is obtained by encoding the payment code.
S203, the payment code information is sent to a payee management information system through an external connection module so as to pay.
The payment two-dimensional code is obtained by encoding the payment code according to a specific two-dimensional code encoding rule and converting the payment code into a black-white alternate dot matrix pattern.
In the example, the payment two-dimensional code is a graphical two-dimensional code or a bar code which is seen by people, and when payment is carried out, the graphical information is converted into character information by optical reading through a camera.
Preferably, in the payment device, both an NFC payment mode and a camera scanning payment mode can be implemented. When one of the payment methods fails, the other payment method is executed. For example, when the NFC payment method fails, the payment page can be called up, the payment two-dimensional code is generated, and the payment is carried out in a camera scanning mode. The payment device can support various payment modes, improves the payment success rate, solves the problem of long operation flow in the existing payment process, and improves the payment efficiency.
In some examples, the camera is disposed above the sensing area for image acquisition of the sensing area.
The camera module is located above the sensing area, and the camera can directly scan the payment two-dimensional code displayed by the mobile phone of the user. In practical application, after the user places the cell-phone in the response region, NFC label transfers the payment page of cell-phone, demonstrates a payment two-dimensional code, and at this moment, the camera just can directly scan the payment two-dimensional code to need not to overturn the cell-phone and scan, improved payment efficiency.
In some examples, the camera is switched to the standby mode when no data acquisition instruction is received.
In practical application, the working mode and the standby mode are set based on the switch control of the sensing signal of the NFC tag. Specifically, the camera is in a working mode only when a data acquisition instruction is received, and is in a standby mode when the data acquisition instruction is not received, so that the camera stops working, the power consumption level of the equipment is reduced, and the standby use time of the equipment is prolonged.
In some examples, the payment code information contained in the NFC tag is cleared after the payment is successful.
After successful payment, clearing payment code information contained in the NFC tag, aiming at preventing information leakage and avoiding conflict and confusion with newly written information in the process of subsequently reading and using the NFC tag information, and ensuring that data provided by the NFC tag is clear and unambiguous every time the NFC tag is used by clearing old information.
In some examples, before invoking the payment procedure in the terminal device, further comprising:
detecting whether the terminal equipment starts a terminal payment function, and if so, performing terminal payment;
the method for calling up the payment program specifically comprises the following steps:
And if the terminal equipment does not start the terminal payment function or fails in terminal payment, calling a payment program in the terminal equipment.
The mobile phone Pay payment (taking common Apple Pay, samsung Pay, hua as wallet and the like as an example) is a payment mode taking mobile equipment (mobile phone) as a payment tool. The method uses Near Field Communication (NFC) technology or other secure communication technology to store card information such as bank cards, credit cards, traffic cards, membership cards and the like in a secure chip or secure software environment of the mobile phone, and simulates entity cards to conduct transactions during payment.
Fig. 3 is a payment device, as shown in fig. 3, an NFC label is responsible for calling up a payment program and a payment page, an NFC card reader is responsible for reading a mobile phone Pay analog card, an external connection module is responsible for receiving payment information and connecting a payee management information system, and a camera module is used for scanning two-dimensional code information. The payment device can support an NFC payment mode and a camera scanning payment mode.
In some examples, if the payment is successful, order payment information is obtained, displaying a payment success page.
The page displays detailed information of payment amount, payment time, payee and the like, so that a user can clearly know that own money is successfully paid out and specific details of payment. The payment success page may also be one of the credentials for the merchant to complete the transaction.
In the payment method and the payment device provided by the embodiment of the application, when the NFC tag detects that the terminal equipment exists in the sensing area, a payment program in the terminal equipment is called up to claim a payment code, the payment code is written into the NFC tag in a dynamic write-back mode to obtain the NFC tag containing payment code information, and the payment code information in the NFC tag is sent to a receiver management information system through an external connection module to pay. According to the scheme, the terminal equipment and the NFC are combined in a bump-bump mode, so that the operation flow is further shortened, and the payment efficiency is improved.
Example two
Fig. 4 is a schematic structural diagram of a payment device provided by the present application, as shown in fig. 4, including an NFC tag and an external module, where the device further includes,
A processing module 11, configured to call up a payment procedure in the terminal device to claim a payment code when the NFC tag detects that the terminal device exists in the sensing area;
the processing module 11 is further configured to write the payment code into the NFC tag in a dynamic write-back manner, so as to obtain an NFC tag containing payment code information;
the processing module 11 is further configured to send payment code information in the NFC tag to the payee management information system through the external connection module, so as to make payment.
The dynamic write-back is not preset and unchanged, but the payment code payment data is written back to a certain storage medium according to the actual application of the user and the payment scene at the time, and the storage medium is an NFC tag or other intelligent tags.
In an actual application scene, when a user selects an NFC payment mode, the NFC tag invokes a payment program in a mobile phone of the user, the payment program claims a payment code, the payment code is written into the NFC tag in a dynamic write-back mode to obtain an NFC tag containing payment code information, and an external module sends the payment code information in the NFC tag to a payee management information system for payment by taking the NFC tag as a medium.
The payee manager information system (MANAGEMENT INFORMATION SYSTEM, MIS) is a system for processing payment transactions and managing related business processes in a payment application scenario.
The external connection module can be externally connected with a collection pipe management information system through wires and wireless (Wi-Fi\Bluetooth).
In addition, an indicator light may be provided on the payment device, with different colored lights indicating different conditions. For example, red light indicates that processing is in progress and green light indicates that processing is complete.
The payment code essentially consists of a series of character information, and the payment code in the form of two-dimensional code or bar code can be regarded as a series of characters containing payment key information after being decoded. In this example, the payment procedure of the terminal device is called up by the NFC tag, the payment procedure claims a payment code, the payment code is directly written in the NFC tag in a dynamic write-back manner, and then the external module sends the payment code information in the NFC tag to the payee management information system, and the payee management system performs payment according to the payment key information in the payment code information. The method comprises the steps of generating a payment code in a two-dimensional code form without generating the payment code according to the payment code, scanning and reading the payment code in the two-dimensional code form by using a camera, analyzing the payment code information for generating, and paying according to payment key information in the payment code information. By directly and dynamically writing back the payment code, the mobile phone does not need to turn over to scan the payment code in the form of the two-dimensional code, so that the operation flow is shortened, and the payment efficiency is improved.
In some examples, the payment device further comprises a camera:
The processing module 11 is further configured to, if the payment fails, call up a payment page of the terminal device by using the NFC tag, generate an induction signal, and send the induction signal to the external connection module, so that the external connection module sends an acquisition instruction to the camera according to the induction signal;
The processing module 11 is further configured to read a payment two-dimensional code obtained by scanning the payment page by the camera in response to the acquisition instruction, and obtain payment code information, where the payment two-dimensional code is obtained by encoding the payment code.
The processing module 11 is further configured to send payment code information to the payee manager information system through the external connection module to make payment.
The payment two-dimensional code is obtained by encoding the payment code according to a specific two-dimensional code encoding rule and converting the payment code into a black-white alternate dot matrix pattern.
In the example, the payment two-dimensional code is a graphical two-dimensional code or a bar code which is seen by people, and when payment is carried out, the graphical information is converted into character information by optical reading through a camera.
The payment device provided in this embodiment may perform the method provided in the foregoing method embodiment, and its implementation principle and technical effects are similar, and this embodiment will not be described herein in detail.
Fig. 5 is a schematic structural diagram of a payment device according to the present application. As shown in fig. 5, the electronic device 50 provided in this embodiment includes at least one processor 501 and a memory 502. Optionally, the device 50 further comprises a communication component 503. The processor 501, the memory 502, and the communication unit 503 are connected via a bus 504.
In a specific implementation, at least one processor 501 executes computer-executable instructions stored in a memory 502, such that the at least one processor 501 performs the method described above.
The specific implementation process of the processor 501 may refer to the above-mentioned method embodiment, and its implementation principle and technical effects are similar, and this embodiment will not be described herein again.
In the above embodiment, it should be understood that the Processor may be a central processing unit (english: central Processing Unit, abbreviated as CPU), or may be other general purpose processors, digital signal processors (english: DIGITAL SIGNAL Processor, abbreviated as DSP), application specific integrated circuits (english: application SPECIFIC INTEGRATED Circuit, abbreviated as ASIC), or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present invention may be embodied directly in a hardware processor for execution, or in a combination of hardware and software modules in a processor for execution.
The Memory may include high-speed Memory (Random Access Memory, RAM) or may further include Non-volatile Memory (NVM), such as at least one disk Memory.
The bus may be an industry standard architecture (Industry Standard Architecture, ISA) bus, an external device interconnect (PERIPHERAL COMPONENT, PCI) bus, or an extended industry standard architecture (Extended Industry Standard Architecture, EISA) bus, among others. The buses may be divided into address buses, data buses, control buses, etc. For ease of illustration, the buses in the drawings of the present application are not limited to only one bus or to one type of bus.
The application also provides a computer readable storage medium, wherein computer execution instructions are stored in the computer readable storage medium, and when a processor executes the computer execution instructions, the method is realized.
The above-described readable storage medium may be implemented by any type or combination of volatile or non-volatile memory devices, 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 memory, flash memory, magnetic or optical disk. A readable storage medium can be any available medium that can be accessed by a general purpose or special purpose computer.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform all or part of the steps of the method of the embodiments of the present invention. The storage medium includes a U disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, an optical disk, or other various media capable of storing program codes.
Those of ordinary skill in the art will appreciate that all or a portion of the steps of implementing the various method embodiments described above may be implemented by hardware associated with program instructions. The foregoing program may be stored in a computer readable storage medium. The program, when executed, performs the steps comprising the method embodiments described above, and the storage medium described above includes various media capable of storing program code, such as ROM, RAM, magnetic or optical disk.
Finally, it should be noted that other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This invention is intended to cover any adaptations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains and as may be applied to the precise construction hereinbefore set forth and shown in the drawings and as follows in the scope of the appended claims. The scope of the invention is limited only by the appended claims.
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| US20140201086A1 (en) * | 2012-09-02 | 2014-07-17 | Mpayme Ltd. | Method and system for reversed near field contact electronic transaction |
| US20160110705A1 (en) * | 2014-10-17 | 2016-04-21 | William Papper | Payment method and system |
| CN107491961B (en) * | 2017-09-02 | 2020-12-22 | 江苏沃银数据服务有限公司 | NFC (near field communication) verification network payment method and device |
| CN112581122B (en) * | 2020-12-25 | 2024-09-24 | 维沃移动通信有限公司 | Display method, payment code recognition method, device and electronic equipment |
| KR20240150697A (en) * | 2023-04-08 | 2024-10-16 | 권형석 | Mobile payment system and method through NFC tag |
| CN116503055A (en) * | 2023-04-19 | 2023-07-28 | 支付宝（中国）网络技术有限公司 | Payment processing method and device |
| CN117541243A (en) * | 2023-10-08 | 2024-02-09 | 支付宝（中国）网络技术有限公司 | Payment method, device and equipment |
| CN119027113A (en) * | 2024-08-16 | 2024-11-26 | 中国银联股份有限公司 | Payment methods, devices, equipment, systems and media compatible with multiple payment methods |
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