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WO2018171272A1 - Procédé et dispositif de paiement, système et appareil électronique associés - Google Patents

Procédé et dispositif de paiement, système et appareil électronique associés Download PDF

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Publication number
WO2018171272A1
WO2018171272A1 PCT/CN2017/117760 CN2017117760W WO2018171272A1 WO 2018171272 A1 WO2018171272 A1 WO 2018171272A1 CN 2017117760 W CN2017117760 W CN 2017117760W WO 2018171272 A1 WO2018171272 A1 WO 2018171272A1
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WO
WIPO (PCT)
Prior art keywords
customer
payment
information
terminal
bluetooth
Prior art date
Application number
PCT/CN2017/117760
Other languages
English (en)
Chinese (zh)
Inventor
李成龙
蒋义新
Original Assignee
深圳付贝科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳付贝科技有限公司 filed Critical 深圳付贝科技有限公司
Publication of WO2018171272A1 publication Critical patent/WO2018171272A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4033—Local solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present application relates to the field of mobile payment technologies, and in particular, to a payment method, an apparatus, a system thereof, and an electronic device.
  • the prior art provides a mobile payment method in which a customer enters a payment amount by opening an online payment application and generating a two-dimensional code or barcode for payment in the payment application when the customer needs to pay, And the scan code gun is used to scan the QR code of the customer terminal to complete the payment.
  • the inventors have found that the related art has at least the following problems: the existing payment process is too cumbersome, and when the customer's payment amount is deducted, the customer has not been able to complete the payment amount. Deduction of the payment amount. This payment method is not safe for the customer.
  • An object of the embodiments of the present application is to provide a payment method, an apparatus, a system thereof and an electronic device, which solve the technical problem that the existing payment process is too cumbersome and unsafe.
  • the embodiment of the present application provides the following technical solutions:
  • an embodiment of the present application discloses a payment method, where the payment method includes:
  • payment information is transmitted to the customer terminal to cause the customer to complete the payment based on the payment information.
  • the customer list includes customer information, and the customer information is associated with the Bluetooth identity.
  • the constructing and presenting the customer list according to the Bluetooth identity identifier includes:
  • sending payment information to the customer terminal to enable the customer to complete payment according to the payment information including:
  • Bluetooth signal strength is a Bluetooth signal strength between the merchant terminal and the customer terminal
  • the customer When receiving the payment information that the customer completes the payment at the customer terminal according to the payment information, the customer is debited according to the balance of the customer.
  • the customer information corresponds to a Bluetooth signal strength
  • the merchant selects an operation of the customer to be paid in the customer list according to the Bluetooth signal strength, including:
  • the merchant selects the customer information corresponding to the strongest Bluetooth signal strength from the customer list as the customer to be paid.
  • the sending, to the customer terminal, the payment information, in response to the operation of the merchant selecting the to-be-paid customer in the customer list according to the Bluetooth signal strength includes:
  • the product information and the payment information are transmitted to the customer terminal according to the historical purchase record of the customer to be paid.
  • the payment information includes current product purchase information and a total amount of payment
  • the product information includes a recommended product
  • the product corresponding to the current merchandise purchase information is added to the historical purchase record, and the payment information is transmitted to the terminal.
  • an embodiment of the present application provides a payment device, where the payment device includes:
  • An obtaining module configured to acquire a Bluetooth identity of the customer terminal based on the Bluetooth connection
  • a building module configured to construct and present a customer list according to the Bluetooth identity identifier
  • a sending module configured to send payment information to the customer terminal in response to the merchant performing an operation of selecting a customer to be paid in the customer list, so that the customer completes the payment according to the payment information.
  • an embodiment of the present application provides a payment system, where the payment system includes a customer terminal and a merchant terminal for performing the payment method described above.
  • an embodiment of the present application provides an electronic device, where the electronic device includes:
  • At least one processor At least one processor
  • a memory communicatively coupled to the at least one processing; wherein the memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to cause the at least one processor Can be used to perform the payment method described above.
  • the merchant terminal of the merchant when the customer pays, the merchant terminal of the merchant establishes a Bluetooth connection with the customer terminal of the customer, and based on the Bluetooth connection, the merchant terminal acquires the Bluetooth identity of the customer terminal, and the merchant terminal can identify the Bluetooth identity according to the Bluetooth identity.
  • the merchant can select a customer to be paid in the customer list, and the merchant terminal sends payment information to the customer terminal in response to the merchant's operation of selecting the customer to be paid in the customer list, so that the customer completes the payment according to the payment information. Therefore, in the payment process, customers do not need to scan the code, which is fast and convenient. It is also possible to complete the payment after determining the payment amount, thereby ensuring that the customer can make a secure payment.
  • FIG. 1 is a schematic flowchart of a payment method according to an embodiment of the present application.
  • FIG. 2 is a schematic diagram of a payment application scenario according to an embodiment of the present application.
  • FIG. 3 is a schematic diagram of a customer list according to an embodiment of the present application.
  • FIG. 4 is a schematic flow chart of step 12 in FIG. 1;
  • Figure 5 is a schematic flow chart of step 121 in Figure 4.
  • FIG. 6 is a schematic structural diagram of a payment apparatus according to an embodiment of the present application.
  • FIG. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
  • the payment method of the embodiment of the present application may be executed in a user terminal of any suitable type of processor having a user interaction device and computing capability, such as a desktop computer, a smart phone, a tablet computer, and other user terminals.
  • the payment device of the embodiment of the present application can be used as one of the software or hardware functional units, and can be independently set in the user terminal, or can be used as one of the functional modules integrated in the processor to execute the payment method of the embodiment of the present application.
  • FIG. 1 is a schematic flowchart diagram of a payment method according to an embodiment of the present application. As shown in FIG. 1, the payment method includes:
  • Step 10 Obtain a Bluetooth identity identifier of the client terminal based on the Bluetooth connection
  • the customer 21 and the merchant 22 respectively open the Bluetooth function of the customer terminal 23 and the Bluetooth function of the merchant terminal 24, and a Bluetooth connection is established between the customer terminal 23 and the merchant terminal 24, and The payment operation is completed based on the Bluetooth connection.
  • the customer 21 and the merchant 22 may also complete the above-described taught content based on the payment application.
  • the customer terminal of the customer 21 and the merchant terminal of the merchant 22 can each run a payment application, that is, the payment application can be loaded and run on each of the above terminals, and the loading of the payment application can be the above-mentioned respective terminals from the Internet.
  • the major application application market downloads are obtained, and may also be carried by the respective terminals themselves.
  • the customer 21 and the merchant 22 activate the Bluetooth application of the respective terminal by opening the payment application of the respective terminal, and thereby establish a Bluetooth connection.
  • the user can register an account with the payment application, have a password for an account that can log in to the payment application, and can also pre-store a certain amount on the account of the account, and when the payment is made, the user can The account of the payment application is charged or stored.
  • the user can upload his or her real avatar and name as the identifier of the account.
  • the merchant can directly determine whether the user is paying according to the real avatar and name of the user. Customer.
  • the merchant terminal 24 acquires the Bluetooth identity of the customer terminal 23 based on the Bluetooth connection, the Bluetooth identity being the ID (identity) of the Bluetooth module of the customer terminal 23. , it is unique. And, the Bluetooth identity is uniquely associated with an account that the user is registered with in the payment application. The merchant terminal 24 can further determine the customer's account number by determining the Bluetooth identity.
  • the Bluetooth module of merchant terminal 24 and customer terminal 23 may be a Bluetooth 4.0 low power protocol.
  • Step 11 Build and present a customer list according to the Bluetooth identity identifier
  • the merchant terminal 24 detects the customer terminal 23 in the vicinity and acquires the Bluetooth identity of all the customer terminals 23 of the surrounding attachment.
  • the merchant terminal 24 can construct a customer list based on the Bluetooth identity.
  • the customer list includes customer information, and the customer information may be a customer avatar and a customer name.
  • the customer information is associated with a Bluetooth identity.
  • the merchant terminal 24 can quickly validate the corresponding customer information based on the Bluetooth identity when constructing and presenting the customer list and construct and present the customer list based on the customer information.
  • Step 12 In response to the merchant performing an operation of selecting a customer to be paid in the customer list, sending payment information to the customer terminal, so that the customer completes the payment according to the payment information.
  • the merchant can browse the nearby customers in the customer list and select the paying customers from the customer list to make the payment.
  • the merchant terminal 24 then transmits payment information to the customer terminal 23 in response to the merchant performing an operation of selecting a customer to be paid in the customer list, wherein the payment information includes current merchandise purchase information, total payment amount, payment currency, and the like, for example, a customer A buys two bottles of beer, and the merchant terminal 24 pushes the current product purchase information (two bottles of beer), the total payment amount (25 pieces), the payment currency (RMB RMB, Malaysian Ringgit MYR, Singapore) to the customer terminal 23 of the customer A. Yuan SGD, Thai Baht THB, Hong Kong Dollar HKD, Indonesian Rupee IDR), in which customer A can choose the corresponding currency for payment.
  • the customer's customer terminal After the customer's customer terminal receives the payment information and confirms that the payment information is correct, the payment password or fingerprint or air signature is entered to complete the payment.
  • the customer can complete the payment during the entire payment process without using the customer terminal to generate a QR code or barcode, thereby simplifying the payment process. Moreover, the customer can confirm the payment amount and other information according to the payment information before making payment, thereby ensuring the security of the customer payment.
  • the merchant terminal 24 determines whether to pre-store the customer information associated with the Bluetooth identity based on the Bluetooth identity. If so, the customer list is constructed according to the customer information associated with the Bluetooth identity. Specifically, the merchant terminal 24 traverses the memory according to the Bluetooth identity, finds the corresponding customer information, and constructs the customer information into the customer list and presents to the merchant terminal. 24 desktops. If not, the command information is sent to the customer terminal 23, the command information being used to instruct the customer terminal 23 to jump to the preset download URL of the application.
  • the customer terminal 23 can open the preset download URL by using a browser, and download an application from the preset download URL, and the application can be the payment application described in each of the above embodiments, so that the customer can complete the payment through the payment application. .
  • step 12 includes:
  • Step 121 Send payment information to the customer terminal in response to the operation of the merchant selecting the customer to be paid according to the Bluetooth signal strength according to the Bluetooth signal strength;
  • Step 122 When receiving the payment information that the customer completes the payment according to the payment information at the customer terminal, the customer deducts the payment according to the balance of the customer.
  • the customer information corresponds to the Bluetooth signal strength, and the closer the distance between the merchant terminal 24 and the customer terminal 23 is, the stronger the Bluetooth signal strength is, and the farther the distance is, the weaker the Bluetooth signal strength is. Therefore, when the merchant selects a customer to be paid from the customer list, the merchant can select the customer information corresponding to the strongest Bluetooth signal strength from the customer list as the customer to be paid.
  • the balance shortage information is generated and pushed to the customer terminal 23.
  • the customer's balance is debited.
  • a customer may purchase different items at the same store for different time periods, so the customer may reserve a historical purchase record at the store.
  • the customer's preferences can be obtained.
  • the client login account enters the purchase website and accesses the server, and the server receives the trigger of the client, acquires corresponding personalized data according to the account of the client, and pushes the personalized data to the client.
  • this method will increase the running load of the server, and the client can only trigger the server for big data analysis and personalized advertising through the Internet.
  • the merchant can selectively select a paying customer in the customer list and based on the Bluetooth connection so that the customer terminal triggers the merchant terminal for personalized analysis.
  • step 121 includes:
  • Step 1211 In response to the operation of the merchant selecting a customer to be paid according to the Bluetooth signal strength according to the Bluetooth signal strength, obtaining a historical purchase record of the customer to be paid according to the Bluetooth identity identifier corresponding to the customer to be paid;
  • Step 1212 Send the product information and the payment information to the customer terminal according to the historical purchase record of the customer to be paid.
  • the historical purchase record includes the historical purchase behavior of the customer at the store, and the product information includes the recommended product.
  • the merchant terminal 24 obtains the degree of preference of the customer for the specific product by analyzing the historical purchase record. When the customer is purchasing the merchandise, the merchant terminal 24 can send the recommended merchandise to the customer in addition to the payment information to increase the user's consumption.
  • the merchant terminal 24 determines whether the historical purchase record of the customer to be paid has a product corresponding to the current product purchase information, and if so, sends the recommendation corresponding to the maximum number of purchases to the customer terminal. Product and payment information. If not, the product corresponding to the current item purchase information is added to the history purchase record, and the payment information is sent to the terminal.
  • FIG. 6 is a schematic structural diagram of a payment apparatus according to an embodiment of the present application.
  • the payment device 600 includes an acquisition module 61, a construction module 62, and a transmission module 63.
  • the obtaining module 61 is configured to acquire a Bluetooth identity of the customer terminal based on the Bluetooth connection.
  • the building module 62 is configured to build and present a customer list based on the Bluetooth identity.
  • the sending module 63 is configured to send payment information to the customer terminal in response to the merchant performing an operation of selecting a customer to be paid in the customer list, so that the customer completes the payment according to the payment information.
  • the device embodiment and the method embodiment are based on the same concept, and the content of the device embodiment may refer to the method embodiment, and details are not described herein.
  • the customer can complete the payment during the entire payment process without using the customer terminal to generate a QR code or barcode, thereby simplifying the payment process. Moreover, the customer can confirm the payment amount and other information according to the payment information before making payment, thereby ensuring the security of the customer payment.
  • an embodiment of the present application provides a payment system.
  • the payment system includes a customer terminal and a merchant terminal for performing the payment method of any of Figures 1 to 5.
  • the customer can complete the payment during the entire payment process without using the customer terminal to generate a QR code or barcode, thereby simplifying the payment process. Moreover, the customer can confirm the payment amount and other information according to the payment information before making payment, thereby ensuring the security of the customer payment.
  • an embodiment of the present application provides an electronic device.
  • the electronic device 700 includes one or more processors 71 and a memory 72.
  • a processor 71 is taken as an example in FIG.
  • the processor 71 and the memory 72 can be connected by a bus or other means, as exemplified by a bus connection in FIG.
  • the memory 72 is a non-volatile computer readable storage medium and can be used for storing a non-volatile software program, a non-volatile computer executable program, and a module, such as a program instruction corresponding to the payment method in the embodiment of the present application. Module.
  • the processor 71 executes the payment methods as shown in FIGS. 1 to 5 by operating nonvolatile software programs, instructions, and modules stored in the memory 72, or various functional applications of the payment device as shown in FIG. data processing.
  • Memory 72 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid state storage device. In some embodiments, memory 72 may optionally include memory remotely located relative to processor 71, which may be coupled to processor 71 via a network. Examples of such networks include, but are not limited to, the Internet, intranets, local area networks, mobile communication networks, and combinations thereof.
  • the program instructions/modules are stored in the memory 72, and when executed by the one or more processors 71, perform the payment method in any of the above method embodiments, for example, performing the above-described FIG. The function of each step.
  • the electronic device 700 of the embodiment of the present application exists in various forms.
  • the electronic device 700 includes but is not limited to:
  • Mobile communication devices These devices are characterized by the functions of mobile communication and image capture, and are mainly aimed at providing voice and data communication.
  • Such terminals include: smart phones (such as iPhone), multimedia phones, functional phones, and low-end phones.
  • Ultra-mobile personal computer equipment This type of equipment belongs to the category of personal computers. It has functions of calculation, processing and image capture, and generally has mobile Internet access. Such terminals include: PDAs, MIDs, and UMPC devices, such as the iPad.
  • Portable entertainment devices These devices can display and play video content, and generally have the features of mobile Internet access and image capture of objects. Such devices include: video players, handheld game consoles, as well as smart toys and portable car navigation devices.
  • the embodiment of the present application further provides a non-volatile computer storage medium storing computer-executable instructions executed by one or more processors, such as one of the processes in FIG.
  • the one or more processors may be configured to perform the payment method in any of the above method embodiments, for example, to perform the payment method in any of the above method embodiments, for example, to perform the above described FIGS. 1 to 5 The function of each step.
  • the apparatus or device embodiments described above are merely illustrative, wherein the unit modules described as separate components may or may not be physically separate, and the components displayed as modular units may or may not be physical units. , can be located in one place, or can be distributed to multiple network module units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé de paiement et un dispositif, un système et un appareil électronique associés, le procédé de paiement comprenant : l'acquisition d'un identifiant d'identité Bluetooth d'un terminal de client sur la base d'une connexion Bluetooth (10) ; la construction et l'affichage d'une liste de clients en fonction de l'identifiant d'identité Bluetooth (11) ; et en réponse à une opération d'un commerçant de sélection d'un client attendant de payer dans la liste de clients, l'envoi d'informations de paiement au terminal de client de façon à permettre au client d'effectuer un paiement conformément aux informations de paiement (12). De cette manière, le client peut effectuer un paiement sans utiliser le terminal de client pour générer un code QR ou un code à barres pendant l'ensemble du processus de paiement, de façon à simplifier les procédures de paiement. En outre, le client peut payer uniquement après confirmation que le montant de paiement et d'autres informations sont corrects conformément aux informations de paiement, de façon à garantir et améliorer la sécurité de paiement pour le client.
PCT/CN2017/117760 2017-03-22 2017-12-21 Procédé et dispositif de paiement, système et appareil électronique associés WO2018171272A1 (fr)

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CN201710174057.7A CN107122969A (zh) 2017-03-22 2017-03-22 一种支付方法及其装置、系统及电子设备
CN201710174057.7 2017-03-22

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CN107122969A (zh) * 2017-03-22 2017-09-01 深圳付贝科技有限公司 一种支付方法及其装置、系统及电子设备
CN109448189A (zh) * 2018-10-29 2019-03-08 极鱼（北京）科技有限公司 无人银行管理办法、无人银行和无人银行系统
CN113850587A (zh) * 2021-09-26 2021-12-28 支付宝(杭州)信息技术有限公司 一种信息显示方法、装置及设备

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CN104166915A (zh) * 2014-04-30 2014-11-26 深圳光启创新技术有限公司 电子钱包支付方法和系统
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