CN109886670B

CN109886670B - Payment method, device, system, mobile terminal, payment machine and server

Info

Publication number: CN109886670B
Application number: CN201910105405.4A
Authority: CN
Inventors: 陈岩
Original assignee: Guangdong Oppo Mobile Telecommunications Corp Ltd
Current assignee: Guangdong Oppo Mobile Telecommunications Corp Ltd
Priority date: 2019-02-01
Filing date: 2019-02-01
Publication date: 2022-04-19
Anticipated expiration: 2039-02-01
Also published as: WO2020156255A1; CN109886670A

Abstract

The embodiment of the application discloses a payment method, a payment device, a payment system, a mobile terminal, a payment machine and a server. The method comprises the following steps: the mobile terminal acquires the equipment identification of the payment equipment from the broadcast data sent by the payment equipment; acquiring a payment account bound by the mobile terminal; and sending the device identification and the payment account number to a payment server, wherein the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment tool, detect that the payment account number corresponding to the biological characteristic information is bound with the device identification of the payment tool, and finish the payment operation of the payment account number corresponding to the biological characteristic information. The method enables the mobile terminal user to complete payment in a mode of collecting the biological characteristic information in the payment machine without operating the mobile terminal, thereby improving the payment efficiency and the user experience in the payment process.

Description

Payment method, device, system, mobile terminal, payment machine and server

Technical Field

The present application relates to the field of communications technologies, and in particular, to a payment method, an apparatus, a system, a mobile terminal, a payment device, and a server.

Background

With the continuous development of the internet, manual technology and the like, more and more people start to carry out payment operation by mobile payment terminals such as mobile phones and the like. However, a series of operations are required to be performed by the user in the payment process, so that the user experience in the payment process is still to be improved.

Disclosure of Invention

In view of the above problems, the present application provides a payment method, device, system, mobile terminal, payment tool, and server to improve the above problems.

In a first aspect, the present application provides a payment method applied to a mobile terminal, where the method includes: the mobile terminal acquires the equipment identification of the payment equipment from the broadcast data sent by the payment equipment; acquiring a payment account bound by the mobile terminal; and sending the device identification and the payment account number to a payment server, wherein the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment tool, detect that the payment account number corresponding to the biological characteristic information is bound with the device identification of the payment tool, and finish the payment operation of the payment account number corresponding to the biological characteristic information.

In a second aspect, the present application provides a payment method applied to a payment instrument, the method including: the payment tool sends broadcast data carrying the equipment identifier of the payment tool, and the broadcast data is used for sending the equipment identifier and a payment account number bound by the mobile terminal to a payment server after the mobile terminal acquires the equipment identifier of the payment tool; the payment tool sends a device identification and collected biological characteristic information to the payment server, the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment tool, and the payment operation of the payment account corresponding to the biological characteristic information is completed after the payment account corresponding to the biological characteristic information is detected to be bound with the device identification of the payment tool.

In a third aspect, the present application provides a payment method applied to a payment server, the method including: the payment server receives a payment account number and a device identification of a payment device sent by the mobile terminal, and binds the payment account number and the device identification of the payment device; after receiving the biological characteristic information sent by a payment machine and the equipment identification of the payment machine, the payment server searches whether a payment account pre-bound with the biological characteristic information is bound with the equipment identification of the payment machine; and if so, the payment server completes the payment operation of the payment account corresponding to the biological characteristic information.

In a fourth aspect, the present application provides a payment method applied to a payment system, where the payment system includes a payment implement and a mobile terminal, and the method includes: the payment machine tool sends broadcast data carrying the equipment identification of the payment machine tool; the mobile terminal acquires the equipment identification of the payment equipment from the broadcast data sent by the payment equipment; the mobile terminal acquires the bound payment account and sends the equipment identifier and the payment account to a payment server; the payment tool sends a device identification and collected biological characteristic information to the payment server, and the biological characteristic information is used for completing payment operation of a payment account corresponding to the biological characteristic information after the payment server detects that the payment account corresponding to the biological characteristic information is bound with the device identification of the payment tool.

In a fifth aspect, the present application provides a payment apparatus, operating in a mobile terminal, the apparatus including: the identification acquisition unit is used for acquiring the equipment identification of the payment equipment from the broadcast data sent by the payment equipment; the account acquisition unit is used for acquiring the payment account bound by the mobile terminal; and the data communication unit is used for sending the device identification and the payment account number to a payment server, wherein the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment tool, detect that the payment account number corresponding to the biological characteristic information is bound with the device identification of the payment tool, and finish the payment operation of the payment account number corresponding to the biological characteristic information.

In a sixth aspect, the present application provides a payment device operable with a payment instrument, the device comprising: the data broadcasting unit is used for sending broadcast data carrying the equipment identifier of the payment equipment, and the broadcast data is used for sending the equipment identifier and a payment account number bound by the mobile terminal to a payment server after the mobile terminal acquires the equipment identifier of the payment equipment; and the payment unit is used for sending the device identification and the collected biological characteristic information to the payment server, wherein the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment equipment, and detect that a payment account corresponding to the biological characteristic information is bound with the device identification of the payment equipment, so that the payment operation of the payment account corresponding to the biological characteristic information is completed.

In a seventh aspect, the present application provides a payment apparatus, operating in a payment server, the apparatus including: the account binding unit is used for receiving a payment account and a device identifier of a payment device sent by the mobile terminal and binding the payment account and the device identifier of the payment device; the information verification unit is used for searching whether a payment account pre-bound with the biological characteristic information is bound with the equipment identifier of the payment equipment or not after receiving the biological characteristic information sent by the payment equipment and the equipment identifier of the payment equipment; and the payment execution unit is used for finishing the payment operation of the payment account corresponding to the biological characteristic information if the payment execution unit is bound.

In an eighth aspect, the present application provides a payment system, comprising a payment instrument and a mobile terminal; the payment machine tool is used for sending broadcast data carrying the equipment identifier of the payment machine tool; the mobile terminal is used for acquiring the equipment identifier of the payment equipment from the broadcast data sent by the payment equipment; acquiring the bound payment account, and sending the device identifier and the payment account to a payment server; the payment tool is further used for sending the device identification and the collected biological characteristic information to the payment server, and the biological characteristic information is used for completing the payment operation of the payment account corresponding to the biological characteristic information after the payment server detects that the payment account corresponding to the biological characteristic information is bound with the device identification of the payment tool.

In a ninth aspect, the present application provides a mobile terminal comprising one or more processors and memory; one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to perform the methods described above.

In a tenth aspect, the present application provides a computer-readable storage medium having a program code stored therein, wherein the program code performs the above method when running.

In the payment method, the device, the system, the mobile terminal, the payment tool and the server provided by the application, under the condition that the broadcast data carrying the device identifier of the payment tool is sent by the payment tool, after the mobile terminal obtains the device identifier of the payment tool from the broadcast data sent by the payment tool, the mobile terminal sends the device identifier and the payment account bound by the mobile terminal to the payment server, so that the payment server receives the biological characteristic information and the device identifier sent by the payment tool, detects that the payment account corresponding to the biological characteristic information is bound with the device identifier of the payment tool, completes the payment operation of the payment account corresponding to the biological characteristic information, and a mobile terminal user can complete the payment by collecting the biological characteristic information at the payment tool without operating the mobile terminal in the above way, therefore, the payment efficiency and the user experience in the payment process are improved. And the mobile terminal can directly acquire the equipment identifier of the payment equipment through the broadcast data, so that the power consumption of the mobile terminal is reduced.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a schematic diagram illustrating an application environment of a payment method provided by an embodiment of the present application;

FIG. 2 is a schematic diagram illustrating a user making a payment by using a payment method provided by an embodiment of the application;

fig. 3 is a flow chart illustrating a payment method according to an embodiment of the present application;

FIG. 4 illustrates a flow chart of a payment method according to another embodiment of the present application;

FIG. 5 illustrates a flow chart of a payment method according to yet another embodiment of the present application;

FIG. 6 illustrates a flow chart of a payment method set forth in yet another embodiment of the present application;

fig. 7 is a schematic diagram illustrating a touch area of a payment instrument according to an embodiment of the present disclosure;

fig. 8 is a block diagram illustrating a payment device according to an embodiment of the present application;

fig. 9 is a block diagram illustrating a payment apparatus according to another embodiment of the present application;

fig. 10 is a block diagram illustrating a payment apparatus according to still another embodiment of the present application;

fig. 11 is a block diagram illustrating a structure of a mobile terminal according to the present application;

FIG. 12 illustrates a block diagram of a payment instrument according to the teachings of the present application;

fig. 13 is a block diagram illustrating a structure of a payment server proposed in the present application;

fig. 14 is a storage unit for storing or carrying program codes for implementing a payment method according to an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

With the development of internet technology, electronic payment without relying on cash is becoming a favored payment method. Generally, in electronic payment, a user needs to take out an electronic product for payment to perform payment operation, for example, take out a mobile phone and call out a payment two-dimensional code to scan, take out the mobile phone to enter a code scanning interface to scan a two-dimensional code for collection in a shop, take out a bank card to pay for a cashier through a card swiping machine, and the like. In the electronic payment processes, a user needs to take out an electronic product for payment and perform corresponding operations, and the whole payment process is time-consuming.

In order to improve the payment speed and shorten the payment time, the payment can be performed through the biological characteristic information of the user, such as the biological characteristic information which can uniquely identify the identity of the user through the face, the fingerprint, the palm print, the iris and the like of the user. The user can be directly when paying, and the biological characteristic collection equipment that provides at the trade company provides corresponding biological characteristic information, if when paying through the people's face, the user provides face confession face collection equipment and gathers on the premise of people's face collection equipment, does not need the user additionally to take out the equipment that is used for payment such as cell-phone, and payment speed is faster, operates simplyr.

However, there is a certain safety risk in making payment through biometric information. On one hand, although the biological characteristic information can uniquely identify the user identity, the identification error is also very likely to occur, for example, the biological characteristic information of one user is identified as the biological characteristic information of another user; on the other hand, there may be a case where a lawbreaker imitates the biometric information of other users by simulation to impersonate other users to pay.

According to the using characteristics of the user on the mobile terminal and the off-line shopping characteristics, the inventor finds that if the fact that the user enters the vicinity of a payment machine tool is received, the fact that the user provides biological characteristic information through the payment machine tool for deduction is received, identity characteristic information provided for the user can be further determined, and therefore payment safety is further guaranteed. Therefore, the inventors have conducted a careful study on a procedure of making a payment through biometric information of a user.

The inventor found that, in the case of payment by biometric information, the biometric information is usually associated with a payment account number. And matching the payment account corresponding to the biological characteristic information when the biological characteristic information of the user is acquired, and deducting money from the matched payment account. The payment account matched with the biometric information may be a payment account bound in the mobile terminal, such as an account of a certain payment application program in the mobile terminal. When a user purchases online, the user usually carries a mobile terminal bound with a payment account. Therefore, under the condition that the mobile terminal bound with the payment account is determined to be located near the payment machine, the receiving user pays through the payment machine, and the payment safety can be further ensured.

Therefore, the inventor provides the payment method, the device, the system, the mobile terminal, the payment equipment and the server, the payment method provided by the embodiment of the application enables a mobile terminal user to finish payment in a mode of collecting the biological characteristic information at the payment equipment without operating the mobile terminal, and therefore the payment efficiency and the user experience in the payment process are improved. Moreover, the mobile terminal can directly acquire the equipment identifier of the payment equipment through the broadcast data, so that the power consumption of the mobile terminal is reduced, and moreover, when the payment server completes payment, whether the payment account corresponding to the biological characteristic information uploaded by the payment equipment is bound with the equipment identifier of the payment equipment or not can be verified, so that the payment safety is improved.

The following first introduces a payment system related to the payment method and apparatus provided in the embodiment of the present application.

Referring to fig. 1, the system of fig. 1 includes a mobile terminal 100, a payment instrument 200, and a payment server 300. The mobile terminal 100 may be a mobile phone or a tablet computer, and a payment account pre-bound by a user is stored in the mobile terminal. The payment tool 200 is used for collecting the biometric information of the user and transmitting the biometric information to the payment server 300, and the payment server 300 is used for completing the payment operation according to the received biometric information.

During operation of the system, the payment instrument 200 may transmit broadcast data in a set wireless communication mode, wherein the dashed circle around the payment instrument 200 in fig. 1 represents the coverage of the broadcast data transmitted by the payment instrument. Optionally, the wireless communication mode includes a bluetooth BLE mode or a Wi-Fi Aware mode. Accordingly, the mobile terminal 100 may search for a nearby wireless signal in a set wireless communication mode, so that when the mobile terminal 100 comes within the range of the dotted circle shown in fig. 1, the broadcast data transmitted by the payment instrument 200 may be received.

As one mode, after the mobile terminal 100 may receive the broadcast data sent by the payment instrument 200, the mobile terminal 100 may establish a wireless connection with the payment instrument 200 based on a currently used wireless communication mode, and after the wireless connection is established, the mobile terminal 100 may obtain a device identifier uniquely identifying the payment instrument from the data stored in the payment instrument. As another way, in order to reduce the power consumption of the mobile terminal 100, the payment appliance 200 may carry its own device identifier in the broadcast data sent by itself, so that after receiving the broadcast data sent by the payment appliance 200, the mobile terminal 100 may obtain the device identifier of the payment appliance 200 that sent the broadcast data from the broadcast data 200.

Alternatively, after acquiring the device identifier of the payment instrument 200, the mobile terminal 100 may transmit the acquired device identifier and the own stored payment account number to the payment server 300 through the base station 310 and the gateway 311 of the mobile communication network. Further, the mobile terminal 100 may also transmit the acquired device identification and its own stored payment account number to the payment server 300 through the wireless hotspot 320. When the payment server 300 receives the device identifier and the payment account sent by the mobile terminal 100, the device identifier and the payment account are bound, so as to represent that the user of the payment account is near the payment tool to which the device identifier belongs. Furthermore, when the payment tool 200 sends the collected biometric information to the payment server 300 during the payment process, the payment server 300 may complete the payment operation of the payment account number under the condition that the payment account number corresponding to the biometric information is verified to be bound with the device identifier of the payment tool.

Specifically, as shown in fig. 2, since the mobile terminal 100 can obtain the device identifier of the payment instrument 200 through the broadcast data sent by the payment instrument 200, the mobile terminal 100 can complete the binding operation between the payment account and the device identifier of the payment instrument 200 without the need for the user to operate the mobile terminal (for example, the mobile terminal may be placed in a trouser pocket all the time in the figure). In the payment process, after the user only needs to collect the biometric information at the payment tool 200, the payment tool 200 can send the collected biometric information to the payment server 300 to complete the payment, and further, the user does not need to operate the mobile terminal, so that the user does not need to manually perform the payment operation in the whole process.

Based on the system and the system operation flow described above, embodiments of the present application will be described in detail below with reference to the accompanying drawings.

Referring to fig. 3, a payment method provided in the embodiment of the present application is applied to a mobile terminal, and the method includes:

step S110: the mobile terminal obtains the equipment identification of the payment equipment from the broadcast data sent by the payment equipment.

Wherein the payment instrument can transmit the broadcast data based on a Bluetooth BLE mode or a Wi-Fi Aware mode. Taking the bluetooth BLE mode as an example, the payment appliance may carry its own device identifier in a specific field in a transmitted data packet during the process of transmitting broadcast data in the bluetooth BLE mode. A data packet format of broadcast data is shown in the following table.

In the format of the data packet shown in the above table, a field with a name of Length is used for representing the Length of the data packet, a field with a name of Type represents the connection Type of the current data packet, a field with a name of MFG ID represents the ID of the manufacturer of the bluetooth module sending the data packet, a field with a name of iBeacon represents that the current data packet is generated based on the iBeacon mode, a field with a name of MD5 represents the device identifier carried by the data packet and encrypted based on the MD5 mode, and the field names Major, Minor and Ref are all used for carrying feature values to distinguish different data packets sent by the same device. It can be seen that the device identification of the payment instrument can be added at the 16Byte length field in the data packet shown in the table above. It should be noted that the packet format and the name of each field shown in the above table are only exemplary, and the packet format and the field name of the broadcast data sent by the payment instrument may also be changed according to the actually carried data.

Correspondingly, the mobile terminal can also scan broadcast data based on a Bluetooth BLE mode or a Wi-Fi Aware mode, so that after the broadcast data sent by the payment machine tool is scanned, the device identification of the payment machine tool is obtained from the scanned broadcast data sent by the payment machine tool. For example, if the mobile terminal performs broadcast data scanning in the bluetooth BLE mode, after scanning broadcast data that is also transmitted by the payment instrument in the bluetooth BLE mode, the device identifier of the payment instrument may be analyzed from the 16Byte length field of the data packet of the broadcast data shown in the table above.

It should be noted that, if the payment device sends broadcast data in the Wi-Fi Aware mode, the payment device may also broadcast its own device identifier in a similar manner, and accordingly, the mobile terminal may also obtain the device identifier of the payment device in a similar manner.

In order to avoid the interception of the device identifier of the payment device by other devices, as a way, the payment device can encrypt the device identifier in the process of generating the data packet of the broadcast data, so that the encrypted device identifier is obtained even after other devices obtain the broadcast data.

If other illegal users crack the format of the data packet of the broadcast data sent by the payment machine, the illegal electronic equipment with access to the payment server can imitate the payment machine to send the broadcast data, so that even if the users are not in the coverage range of the wireless signal of the legal payment machine, the illegal electronic equipment can still send the payment account number of the users and the equipment identifier of a certain payment machine to the payment server, and further potential safety hazards are caused to the payment account number of the users.

As a way to improve the above problem, in the process of generating the broadcast data, the payment instrument may add a specific field in the data packet of the broadcast data to store a specific identifier, where the specific identifier is used to identify whether the broadcast data is sent by a legal payment instrument. In this way, when the mobile terminal receives the broadcast data, the mobile terminal identifies whether the received broadcast data has a specified identifier; and if the received broadcast data is identified to have the appointed identification, determining the received broadcast data as the broadcast data sent by the payment machine tool, and acquiring the equipment identification of the payment machine tool from the broadcast data sent by the payment machine tool.

Moreover, the specified identification can be dynamically updated, so that the safety of the broadcast data is further improved. For example, the assigned identifier corresponding to each payment instrument may be stored in the payment server, and the stored assigned identifier of each payment instrument may be updated periodically, and when the assigned identifier of a certain payment instrument is updated by the payment server, the updated assigned identifier may be pushed to the corresponding payment instrument, so that the payment instrument writes the updated assigned identifier into the generated broadcast data. Correspondingly, after the mobile terminal receives the broadcast data, the analyzed designated identifier is sent to the payment server for verification, and the equipment identifier of the payment equipment carried in the received broadcast data is used as the equipment identifier sent by the legal payment equipment under the condition that the verification returned by the payment server is passed.

It should be noted that, in the case that the specified identifier included in the broadcast data may be configured fixedly and updated dynamically, as a manner, the mobile terminal may determine, according to the format of the parsed specified identifier, whether the specified identifier in the currently received broadcast data is configured fixedly or updated dynamically, and further determine a subsequent verification manner according to the determined configuration manner of the specified identifier. For example, a fixed configuration of assigned identifiers may be set to begin with the character "G", while a dynamic configuration of assigned identifiers may be set to begin with the character "D", and the mobile terminal may determine its configuration based on the first character of the assigned identifiers parsed from the broadcast data.

Specifically, the mobile terminal may directly verify whether the format of the parsed specified identifier conforms to the specified rule through the mobile terminal when it is determined that the specified identifier is in the fixed configuration, and the mobile terminal may send the specified identifier to the payment server when it is determined that the specified identifier is in the dynamic configuration, so that the payment server performs verification according to the newly configured specified identifier. Therefore, even under the condition that the configuration modes of the appointed identification in the broadcast data sent by different payment machines are different, the mobile terminal can be flexibly adapted, and the adaptation capability between the mobile terminal and different payment machines is further improved.

It is understood that the CPU of the mobile terminal may operate in a sleep mode or an awake mode. In the sleep state, the CPU does not need to perform a large amount of data processing, so that the CPU can operate in a low power consumption mode, and the overall power consumption of the mobile terminal is reduced. Then in one case the mobile terminal is in a dormant state until it receives the broadcast data sent by the payment instrument and when it receives it, it wakes up the CPU to the awake state to process the data packet of the broadcast data. In this case, as a mode, the mobile terminal detects the operating state of the CPU when it is determined that the broadcast data carries the specified identifier, and switches the CPU in the sleep state to the awake state if it is detected that the CPU of the mobile terminal is in the sleep state.

Step S120: and acquiring the payment account bound by the mobile terminal.

It can be understood that, after the user operates the mobile terminal to install or run the application program with the payment function, if the user wants to pay through the application program with the payment function, the user needs to log in the application program with the payment function, and in the login process, the user needs to input a payment account number, and after the user successfully completes logging in the application program with the payment function, the mobile terminal will use the payment account number used by the user in login as the payment account number bound by the mobile terminal.

For the payment account bound by the mobile terminal, the application program with the payment function is stored in a set storage area, and then the mobile terminal can read the bound payment account from the set storage area. It should be noted that, a designated storage area corresponding to some application programs is private, and other application programs are inaccessible, in this case, if the mobile terminal needs to obtain a payment account corresponding to the application program, the mobile terminal needs to invoke the application program first, and trigger the application program to obtain the payment account stored in the privately set storage area, and in this process, because the application program is invoked, certain power consumption is increased.

As one approach, the mobile terminal may run a system service locally to handle the step of obtaining the payment account number. Specifically, the system service may send a broadcast message after being started, so as to inform other applications in the mobile terminal that the corresponding account may be transmitted to the system service for storage. After receiving the broadcast message, the application program with the payment function may transmit the logged payment account to the system service in an inter-process communication manner, so that the system service may be stored correspondingly.

It is understood that, in order to distinguish the accounts transmitted by different applications, the system service may store the packet names of the respective applications in correspondence with the accounts. In this way, when the mobile terminal needs to acquire the bound payment account, the mobile terminal can directly run the system service and acquire the payment account from the storage area corresponding to the system service, so that the payment account bound by the application program can be acquired without triggering the start of the application program, and the overall power consumption of the mobile terminal is reduced.

In one approach, the payment instrument may support multiple payment platforms simultaneously. In this way, the user can select one payment platform from a plurality of payment platforms supported by the payment machine to complete the payment operation according to the requirement. Specifically, as a way, after acquiring the device identifier of the payment device, the mobile terminal may first query a payment platform supported by the payment device; and obtaining a payment platform of a payment account bound by the mobile terminal in a payment platform supported by the payment tool as a target platform, and then respectively sending the payment account corresponding to the target platform and the equipment identification to respective payment servers of the target platform.

Step S130: and sending the device identification and the payment account number to a payment server, wherein the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment tool, detect that the payment account number corresponding to the biological characteristic information is bound with the device identification of the payment tool, and finish the payment operation of the payment account number corresponding to the biological characteristic information.

It can be understood that, if the mobile terminal sends the device identifier and the payment account number acquired by the mobile terminal to the payment servers of the plurality of payment platforms, the payment server that executes the payment operation at last is the payment server corresponding to the payment platform selected by the user in the payment process.

In the payment method provided by the embodiment of the application, under the condition that the broadcast data carrying the device identifier of the payment tool is sent by the payment tool, after the mobile terminal acquires the device identifier of the payment tool from the broadcast data sent by the payment tool, the mobile terminal sends the device identifier and the payment account number bound by the mobile terminal to the payment server, so that the payment server receives the biological characteristic information and the device identifier sent by the payment tool, detects that the payment account number corresponding to the biological characteristic information is bound with the device identifier of the payment tool, completes the payment operation of the payment account number corresponding to the biological characteristic information, and accordingly, a mobile terminal user can complete payment in a mode of collecting the biological characteristic information at the payment tool without operating the mobile terminal, therefore, the payment efficiency and the user experience in the payment process are improved. And the mobile terminal can directly acquire the equipment identifier of the payment equipment through the broadcast data, so that the power consumption of the mobile terminal is reduced.

Referring to fig. 4, a payment method provided in the embodiment of the present application is applied to a payment apparatus, and the method includes:

step S210: the payment tool sends broadcast data carrying the equipment identifier of the payment tool, and the broadcast data is used for sending the equipment identifier and a payment account number bound by the mobile terminal to a payment server after the mobile terminal obtains the equipment identifier of the payment tool.

Step S220: the payment tool sends a device identification and collected biological characteristic information to the payment server, the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment tool, and the payment operation of the payment account corresponding to the biological characteristic information is completed after the payment account corresponding to the biological characteristic information is detected to be bound with the device identification of the payment tool.

It will be appreciated that the payment instrument, upon responding to the payment instruction, begins to collect biometric information and sends the device identification and the collected biometric information to the payment server. In this embodiment, the generation of the payment instruction may be triggered in a variety of ways.

As a mode, after detecting a touch operation acting on a payment key configured in a touch area of a payment tool, the payment tool starts to acquire biometric information; and after the biological characteristic information is collected, sending the equipment identification and the collected biological characteristic information to the payment server.

In this way, after the user knows the fee to be paid, the user can touch the payment key of the touch area of the payment tool, so as to trigger the payment tool to start to collect the biometric information (for example, the face information or the fingerprint information). And then the payment machine tool sends the collected biological characteristic information and the device identification of the payment machine tool to a payment server after collecting the biological characteristic information. After the payment server completes the payment operation, a feedback message can be sent to the payment machine again to be displayed for the user to view. In addition, the payment server may also send a feedback message to the mobile terminal for the user to view.

According to the payment method provided by the embodiment of the application, the payment machine can broadcast the equipment identifier of the payment machine, so that the mobile terminal can acquire the equipment identifier of the payment machine under the condition that the mobile terminal is not connected with the payment machine, and then a mobile terminal user can finish payment in a mode of acquiring biological characteristic information at the payment machine without operating the mobile terminal, and therefore the payment efficiency and the user experience in the payment process are improved. And the mobile terminal can directly acquire the equipment identifier of the payment equipment through the broadcast data, so that the power consumption of the mobile terminal is reduced.

Referring to fig. 5, a payment method provided in the embodiment of the present application is applied to a payment server, and the method includes:

step S310: the payment server receives a payment account number and a device identification of a payment device sent by the mobile terminal, and binds the payment account number and the device identification of the payment device.

As one approach, the payment server may establish a data table for storing the device identification and the payment account number. In this way, the device ID and the payment account number corresponding to the same data ID in the data table may be recognized by the payment server as a mutually bound payment account number and device ID of the payment instrument.

For example, as shown in the following table:

ID	Device_id	User_id
			1	G001	Zhangsan
2	G002	Lisi

as indicated in the table above, in this table the field "ID" is used for unique identification data, the field "Device _ ID" characterizes the Device identification, and the field "User _ ID" characterizes the payment account number. In this case, the IDs corresponding to the device identifier "G001" and the payment account "zhangshan" are both "1", and then the mobile terminal may further recognize the device identifier and the payment account as being bound to each other.

Step S320: the payment server searches whether a payment account pre-bound with the biological characteristic information is bound with the equipment identification of the payment equipment or not after receiving the biological characteristic information sent by the payment equipment and the equipment identification of the payment equipment.

Under the condition that the payment server stores the device identification and the payment account number which are bound with each other based on a data table, after receiving the biological characteristic information and the device identification sent by the payment machine, the payment server firstly inquires the corresponding payment account number based on the biological characteristic information, then inquires whether the data table has the payment account number corresponding to the biological characteristic information, and if the payment account number corresponding to the biological characteristic information is inquired, the payment account number which is pre-bound with the biological characteristic information is judged to be bound with the device identification of the payment machine.

Step S330: and if so, the payment server completes the payment operation of the payment account corresponding to the biological characteristic information.

Step S340: and if not, returning a payment failure prompt message to the payment machine.

It should be noted that the payment server may associate the storage device identifier and the payment account number only within a certain period of time. For example, the payment server may use the time when the device identifier and the payment account sent by the mobile terminal are received as the starting time, and start to count for the set time length. And when the set time length is detected to expire, deleting the device identification and the payment account number which are stored in association. It can be understood that if the payment server repeatedly receives the same payment account number and associates the same payment instrument, the payment server will re-time the set time length at the time of the last reception.

The payment method provided by the embodiment of the application enables the payment server to perform corresponding binding after acquiring the device identification and the payment account number sent by the mobile terminal, and further after acquiring the biological characteristic information sent by the payment equipment and the device identification of the payment equipment, the payment server can firstly judge that the payment account number corresponding to the sent biological characteristic information is bound with the payment equipment, and then complete subsequent payment operation, so that the payment safety is improved, and in the payment process, a mobile terminal user can complete payment in a mode of collecting the biological characteristic information at the payment equipment without operating the mobile terminal, so that the payment efficiency and the user experience in the payment process are improved. Moreover, the mobile terminal can directly acquire the equipment identifier of the payment equipment through broadcast data, so that the power consumption of the mobile terminal is reduced

Referring to fig. 6, a payment method provided in the embodiment of the present application is applied to a payment system, where the payment system includes a payment implement and a mobile terminal, and the method includes:

step S410: and the payment machine tool sends broadcast data carrying the equipment identifier of the payment machine tool.

Step S420: and the mobile terminal acquires the equipment identifier of the payment equipment from the broadcast data sent by the payment equipment.

Step S430: and the mobile terminal acquires the bound payment account and sends the equipment identifier and the payment account to a payment server.

Step S440: and the payment machine tool sends the equipment identification and the collected biological characteristic information to the payment server.

Step S450: and the payment server completes the payment operation of the payment account corresponding to the biological characteristic information after detecting that the payment account corresponding to the biological characteristic information is bound with the equipment identifier of the payment equipment.

As previously mentioned, in one approach, a payment instrument may support multiple payment platforms. A detailed description of how the payment system operates in this case will be given below.

In this way, besides that the mobile terminal can inquire which payment platforms are supported by the payment machine according to the received device identifier of the payment machine, the payment machine can directly add the payment platforms supported by the payment machine to the broadcast data, so that the mobile terminal can directly analyze the payment platforms supported by the payment machine after receiving the broadcast data. Then, a payment platform of a payment account bound by the mobile terminal in a payment platform supported by the payment machine is acquired as a target platform; and respectively sending the payment account corresponding to the target platform and the equipment identification to respective payment servers of the target platform.

In one mode, in order to facilitate the mobile terminal to identify the payment platform supported by the payment instrument, the mobile terminal is bound to the platform of the payment account. The payment instrument can use the package name of the application program of the payment platform installed by the mobile terminal as the identification of the payment platform. Therefore, after the mobile terminal acquires the platform supported by the payment machine, namely the package name of the application program corresponding to the supported payment platform, whether the corresponding account exists in the stored payment account can be inquired, and if the corresponding account exists, the payment platform corresponding to the corresponding payment account is used as the target platform.

In the case that the payment instrument supports a plurality of payment platforms, the user can determine one payment platform to pay according to the needs of the user in the payment process. The payment instrument then sends the device identification and the collected biometric information to a payment server of the payment platform determined from the supported platforms.

As one mode, as shown in fig. 7, in a case that the payment instrument supports the payment platform a and the payment platform B, a payment trigger button 99 corresponding to the payment platform a and a payment trigger button 98 corresponding to the payment platform B may be displayed in a touch area, if the user touches the payment trigger button 99, the payment instrument sends the collected biometric information and the own device identifier to the payment server of the payment platform a, and if the user touches the payment trigger button 98, the payment instrument sends the collected biometric information and the own device identifier to the payment server of the payment platform B.

It can be understood that, in the payment process, the payment operation can be smoothly completed only under the condition that the balance in the payment account is not less than the amount to be paid currently. In the process of facilitating the two-dimension code scanning payment, the user is usually required to manually select the payment mode corresponding to the payment account. The payment mode comprises payment by using account balance or payment by using a bank card bound with a payment account, and the like.

In order to avoid inconvenience to the user due to the fact that the payment account of the payment platform selected by the user cannot complete payment smoothly, as a mode, in the payment process, after the payment machine and tool collect the biological feature information of the user for the first time, the biological feature information can be respectively sent to the payment servers of the payment platforms supported by the payment machine and tool to verify the payment capacity, so that whether the payment can be completed smoothly through the payment account is verified, and therefore only the payment trigger button of the payment platform passing the verification is displayed in the touch area.

For example, if the payment platform supported by the payment instrument includes a payment platform a, a payment platform B, and a payment platform C. After the face information of the user is collected for the first time, the payment tool firstly sends verification information to the payment server so as to respectively send the face information to the payment servers corresponding to the payment platform A, the payment platform B and the payment platform C. After receiving the face information, the payment server may first verify the payment capability, for example, may verify whether the amount of money to be paid currently sent by the payment device along with the face information is greater than the current balance, and if so, the payment server returns a message of passing the verification to the payment device. As one mode, the payment tool can send verification information to the payment server once after detecting that the amount of money to be paid currently increases.

Taking the payment platform a as an example, after the payment server of the payment platform a receives the verification information and acquires the face information from the verification information, it may be queried whether a balance in a payment account corresponding to the face information is larger than an amount to be paid currently, or whether a bank card is bound to the payment account. The payment server inquires that the balance in the payment account of the payment platform A is larger than the amount of money needing to be paid currently or the payment account is bound with a bank card, and then a message of successful verification is returned to the payment machine, so that the payment machine can display a payment trigger button corresponding to the payment platform A in the touch area. And if the balance in the payment account of the payment platform A is smaller than the amount of money needing to be paid currently and the payment account is not bound with the bank card, returning a message of failed verification to the payment machine, so that the payment machine cannot display a payment trigger button corresponding to the payment platform A.

According to the method based on the embodiment, the payment efficiency and the user experience in the payment process can be improved. And the mobile terminal can directly acquire the equipment identifier of the payment machine through the broadcast data, so that the power consumption of the mobile terminal is reduced, and under the condition that the payment machine supports a plurality of payment platforms, a user is only allowed to touch the payment account number capable of smoothly completing payment, the payment trigger button of the payment platform is avoided, so that the situation that the user selects the payment account number incapable of smoothly and completely paying under the condition that the user does not know which of the plurality of payment account numbers can smoothly and completely pay is avoided, the user does not need to operate the mobile terminal to inquire the balance of the payment account, the payment efficiency in the payment process is improved, and the user experience is improved.

Referring to fig. 8, in an embodiment of the present application, a payment apparatus 500 is operated in a mobile terminal, where the apparatus 500 includes:

an identifier obtaining unit 510, configured to obtain the device identifier of the payment instrument from the broadcast data sent by the payment instrument.

An account acquiring unit 520, configured to acquire the payment account bound to the mobile terminal.

A data communication unit 530, configured to send the device identifier and the payment account number to a payment server, where the device identifier is used for the payment server to receive the biometric information and the device identifier sent by the payment instrument, and detect that the payment account number corresponding to the biometric information is bound to the device identifier of the payment instrument, and complete a payment operation with the payment account number corresponding to the biometric information.

Referring to fig. 9, a payment apparatus 600 provided in the embodiment of the present application operates in a payment device, the apparatus 600 includes:

the data broadcasting unit 610 is configured to send broadcast data carrying an equipment identifier of the payment equipment, where the broadcast data is used for sending, to a payment server, the equipment identifier and a payment account number bound to the mobile terminal after the mobile terminal acquires the equipment identifier of the payment equipment.

And the payment unit 620 is used for sending the device identifier and the collected biological characteristic information to the payment server, wherein the device identifier is used for the payment server to receive the biological characteristic information and the device identifier sent by the payment equipment, and detect that a payment account corresponding to the biological characteristic information is bound with the device identifier of the payment equipment, so that the payment operation of the payment account corresponding to the biological characteristic information is completed.

Referring to fig. 10, in an embodiment of the present application, a payment apparatus 700 operating in a payment server is provided, where the apparatus 700 includes:

the account binding unit 710 is configured to receive a payment account and a device identifier of a payment device sent by the mobile terminal, and bind the payment account and the device identifier of the payment device.

The information verification unit 720 is configured to, after receiving the biometric information sent by the payment instrument and the device identifier of the payment instrument, find whether a payment account pre-bound to the biometric information is bound to the device identifier of the payment instrument.

And a payment executing unit 730, configured to, if the biometric information is bound, complete a payment operation of the payment account corresponding to the biometric information.

It should be noted that, as will be clear to those skilled in the art, for convenience and brevity of description, the specific working processes of the above-described apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. In several embodiments provided herein, the coupling of modules to each other may be electrical. In addition, functional modules in the embodiments of the present application may be integrated into one processing module, or each of the modules may exist alone physically, or two or more modules are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode.

A mobile terminal provided by the present application will be described with reference to fig. 11.

Referring to fig. 11, based on the payment method and the payment apparatus, another mobile terminal 100 capable of executing the payment method is further provided in the embodiment of the present application. The mobile terminal 100 includes one or more processors 102 (only one shown), memory 104, and a wireless module 106 coupled to each other. The memory 104 stores programs that can execute the content of the foregoing embodiments, and the processor 102 can execute the programs stored in the memory 104.

Processor 102 may include one or more processing cores, among other things. The processor 102 interfaces with various components throughout the mobile terminal 100 using various interfaces and lines to perform various functions of the mobile terminal 100 and process data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory 104 and invoking data stored in the memory 104. Alternatively, the processor 102 may be implemented in hardware using at least one of Digital Signal Processing (DSP), Field-Programmable Gate Array (FPGA), and Programmable Logic Array (PLA). The processor 102 may integrate one or more of a Central Processing Unit (CPU), a Graphics Processing Unit (GPU), a modem, and the like. Wherein, the CPU mainly processes an operating system, a user interface, an application program and the like; the GPU is used for rendering and drawing display content; the modem is used to handle wireless communications. It is understood that the modem may not be integrated into the processor 102, but may be implemented by a communication chip.

The Memory 104 may include a Random Access Memory (RAM) or a Read-Only Memory (Read-Only Memory). The memory 104 may be used to store instructions, programs, code sets, or instruction sets. The memory 104 may include a stored program area and a stored data area, wherein the stored program area may store instructions for implementing an operating system, instructions for implementing at least one function (such as a touch function, a sound playing function, an image playing function, etc.), instructions for implementing various method embodiments described below, and the like. The storage data area may also store data created by the terminal 100 in use, such as a phonebook, audio-video data, chat log data, and the like.

The wireless module 106 is configured to receive and transmit electromagnetic waves, and achieve interconversion between the electromagnetic waves and the electrical signals, so as to communicate with a communication network or other devices, for example, an audio playing device. The wireless module 106 may include various existing circuit elements for performing these functions, such as an antenna, a radio frequency transceiver, a digital signal processor, an encryption/decryption chip, a Subscriber Identity Module (SIM) card, memory, and so forth. The wireless module 106 may communicate with various networks, such as the internet, an intranet, a wireless network, or with other devices via a wireless network. The wireless network may comprise a cellular telephone network, a wireless local area network, or a metropolitan area network.

Referring to fig. 12, another payment device 200 capable of executing the payment method is further provided in the embodiment of the present application. The payment apparatus is similar to the mobile terminal 100, and further includes a camera 108 and a touch display screen 110. It is understood that the processor 102 and the memory 104 included in the payment instrument 200 may be functionally different from the processor 102 and the memory 104 included in the mobile terminal in consideration of the difference in the data amount of the data processed by the payment instrument 200 and the mobile terminal 100. For example, the models used are different.

Referring to fig. 13, another payment server 300 capable of executing the payment method is further provided in the embodiment of the present application. The payment server 300 is different from the aforementioned mobile terminal 100 in that the payment server 300 includes a network module 112. The network module 112 may be a network adapter. It is understood that the processor 102 and the memory 104 included in the payment server 300 may be functionally different from the processor 102 and the memory 104 included in the mobile terminal in consideration of the difference in the data amount of the data processed by the payment server 300 and the mobile terminal 100. For example, the models used are different.

Referring to fig. 14, a block diagram of a computer-readable storage medium according to an embodiment of the present application is shown. The computer-readable medium 800 has stored therein a program code that can be called by a processor to execute the method described in the above-described method embodiments.

The computer-readable storage medium 800 may be an electronic memory such as a flash memory, an EEPROM (electrically erasable programmable read only memory), an EPROM, a hard disk, or a ROM. Alternatively, the computer-readable storage medium 800 includes a non-volatile computer-readable storage medium. The computer readable storage medium 800 has storage space for program code 810 to perform any of the method steps of the method described above. The program code can be read from or written to one or more computer program products. The program code 810 may be compressed, for example, in a suitable form.

To sum up, the present application provides a payment method, device, system, mobile terminal, payment apparatus and server, send through the payment apparatus and carry under the broadcast data's of the equipment sign of payment apparatus condition, the mobile terminal obtains from the broadcast data that the payment apparatus sent the equipment sign of payment apparatus after, the mobile terminal again the payment account that the mobile terminal bound will the equipment sign with the payment account sends payment server, thereby makes the payment server receive the biological characteristic information and the equipment sign that the payment apparatus sent, and detect the payment account that biological characteristic information corresponds with the equipment sign of payment apparatus has bound, accomplish with the payment operation of the payment account that biological characteristic information corresponds to make the mobile terminal user need not operate the mobile terminal through the mode of gathering biological characteristic information at the payment apparatus through above-mentioned mode and accomplish And the payment is completed, so that the payment efficiency and the user experience in the payment process are improved. And the mobile terminal can directly acquire the equipment identifier of the payment equipment through the broadcast data, so that the power consumption of the mobile terminal is reduced.

Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present application, and not to limit the same; although the present application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not necessarily depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.

Claims

1. A payment method is applied to a mobile terminal, and the method comprises the following steps:

when the mobile terminal receives the broadcast data, identifying whether the received broadcast data has an appointed identification, wherein the appointed identification is used for identifying whether the broadcast data is sent by a legal payment machine or not;

if the received broadcast data is identified to have the appointed identification, determining a configuration mode of the appointed identification based on the format of the appointed identification, wherein the configuration mode is fixed configuration or dynamic configuration;

if the configuration mode of the appointed identification is determined to be fixed configuration, verifying the appointed identification by verifying whether the format of the appointed identification meets the appointed rule through the mobile terminal; if the appointed identification is determined to be dynamically configured, the appointed identification is sent to a payment server, so that the payment server can verify the appointed identification received by the mobile terminal according to the newly configured appointed identification;

if the appointed identification passes the verification, the received broadcast data is determined as the broadcast data sent by the payment machine tool, and the equipment identification of the payment machine tool is obtained from the broadcast data sent by the payment machine tool;

acquiring a payment account bound by the mobile terminal;

and sending the device identification and the payment account number to a payment server, wherein the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment tool, detect that the payment account number corresponding to the biological characteristic information is bound with the device identification of the payment tool, and finish the payment operation of the payment account number corresponding to the biological characteristic information.

2. The method of claim 1, wherein the step of the mobile terminal obtaining the device identification of the payment instrument from the broadcast data transmitted by the payment instrument comprises:

the mobile terminal scans broadcast data based on a Bluetooth BLE mode or a Wi-FiAware mode, and acquires the equipment identification of the payment equipment from the scanned broadcast data sent by the payment equipment.

3. The method of claim 1, further comprising:

and if the CPU of the mobile terminal is detected to be in the dormant state, switching the CPU in the dormant state into the awakening state.

4. The method of claim 1, wherein the step of obtaining the payment account bound to the mobile terminal comprises:

obtaining a payment platform supported by the payment instrument based on the device identification;

acquiring a payment platform of a payment account bound by the mobile terminal in a payment platform supported by the payment machine tool as a target platform;

the step of sending the device identification and the payment account number to a payment server comprises:

and respectively sending the payment account corresponding to the target platform and the equipment identification to respective payment servers of the target platform.

5. A payment method, applied to a payment instrument, the method comprising:

the payment tool sends broadcast data carrying the equipment identifier of the payment tool, and the broadcast data is used for sending the equipment identifier and a payment account number bound by the mobile terminal to a payment server after the mobile terminal acquires the equipment identifier of the payment tool; when the mobile terminal receives the broadcast data, identifying whether the received broadcast data has a specified identifier; if the received broadcast data is identified to have the appointed identification, determining a configuration mode of the appointed identification based on the format of the appointed identification, wherein the configuration mode is fixed configuration or dynamic configuration; if the configuration mode of the appointed identification is determined to be fixed configuration, verifying the appointed identification by verifying whether the format of the appointed identification meets the appointed rule through the mobile terminal; if the appointed identification is determined to be dynamically configured, the appointed identification is sent to a payment server, so that the payment server can verify the appointed identification received by the mobile terminal according to the newly configured appointed identification; if the appointed identification passes the verification, the received broadcast data is determined to be the broadcast data sent by a payment machine tool, the equipment identification of the payment machine tool is obtained from the broadcast data sent by the payment machine tool, and the appointed identification is used for identifying whether the broadcast data is sent by a legal payment machine tool or not;

the payment tool sends a device identification and collected biological characteristic information to the payment server, the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment tool, and the payment operation of the payment account corresponding to the biological characteristic information is completed after the payment account corresponding to the biological characteristic information is detected to be bound with the device identification of the payment tool.

6. The method of claim 5, wherein the step of the payment instrument sending the device identification and the collected biometric information to the payment server comprises:

the method comprises the steps that after the payment machine tool detects touch operation acting on a payment key configured in a touch area of the payment machine tool, biological characteristic information starts to be collected;

and after the biological characteristic information is collected, sending the equipment identification and the collected biological characteristic information to the payment server.

7. A payment method applied to a payment server, the method comprising:

the payment server receives a payment account number and a device identification of a payment device sent by the mobile terminal, and binds the payment account number and the device identification of the payment device; when the mobile terminal receives the broadcast data, identifying whether the received broadcast data has a specified identifier, wherein the specified identifier is used for identifying whether the broadcast data is sent by a legal payment machine; if the received broadcast data is identified to have the appointed identification, determining a configuration mode of the appointed identification based on the format of the appointed identification, wherein the configuration mode is fixed configuration or dynamic configuration; if the configuration mode of the appointed identification is determined to be fixed configuration, verifying the appointed identification by verifying whether the format of the appointed identification meets the appointed rule through the mobile terminal; if the appointed identification is determined to be dynamically configured, the appointed identification is sent to a payment server, so that the payment server can verify the appointed identification received by the mobile terminal according to the newly configured appointed identification; if the appointed identification passes the verification, the received broadcast data is determined as the broadcast data sent by the payment machine tool, and the equipment identification of the payment machine tool is obtained from the broadcast data sent by the payment machine tool;

after receiving the biological characteristic information sent by a payment machine and the equipment identification of the payment machine, the payment server searches whether a payment account pre-bound with the biological characteristic information is bound with the equipment identification of the payment machine;

and if so, the payment server completes the payment operation of the payment account corresponding to the biological characteristic information.

8. A payment method is applied to a payment system, the payment system comprises a payment machine and a mobile terminal, and the method comprises the following steps:

the payment machine tool sends broadcast data carrying the equipment identification of the payment machine tool;

when the mobile terminal receives the broadcast data, identifying whether the received broadcast data has an appointed identification, wherein the appointed identification is used for identifying whether the broadcast data is sent by a legal payment machine; if the received broadcast data is identified to have the appointed identification, determining a configuration mode of the appointed identification based on the format of the appointed identification, wherein the configuration mode is fixed configuration or dynamic configuration; if the configuration mode of the appointed identification is determined to be fixed configuration, verifying the appointed identification by verifying whether the format of the appointed identification meets the appointed rule through the mobile terminal; if the appointed identification is determined to be dynamically configured, the appointed identification is sent to a payment server, so that the payment server can verify the appointed identification received by the mobile terminal according to the newly configured appointed identification; if the appointed identification passes the verification, the received broadcast data is determined as the broadcast data sent by the payment machine tool, and the equipment identification of the payment machine tool is obtained from the broadcast data sent by the payment machine tool;

the mobile terminal acquires the bound payment account and sends the equipment identifier and the payment account to a payment server;

the payment tool sends a device identification and collected biological characteristic information to the payment server, and the biological characteristic information is used for completing payment operation of a payment account corresponding to the biological characteristic information after the payment server detects that the payment account corresponding to the biological characteristic information is bound with the device identification of the payment tool.

9. The method of claim 8, wherein the mobile terminal obtains the bound payment account, and the step of sending the device identifier and the payment account to a payment server comprises:

respectively sending the payment account number corresponding to the target platform and the equipment identifier to respective payment servers of the target platform;

the step of the payment appliance sending the device identification and the collected biometric information to the payment server includes:

the payment appliance sends the device identification and the collected biometric information to a payment server of a payment platform determined from the supported platforms.

10. A payment device, operable in a mobile terminal, the device comprising:

the identification acquisition unit is used for identifying whether the received broadcast data has an appointed identification when the broadcast data is received, wherein the appointed identification is used for identifying whether the broadcast data is sent by a legal payment machine tool; if the received broadcast data is identified to have the appointed identification, determining a configuration mode of the appointed identification based on the format of the appointed identification, wherein the configuration mode is fixed configuration or dynamic configuration; if the configuration mode of the appointed identification is determined to be fixed configuration, verifying the appointed identification by verifying whether the format of the appointed identification meets the appointed rule through the mobile terminal; if the appointed identification is determined to be dynamically configured, the appointed identification is sent to a payment server, so that the payment server can verify the appointed identification received by the mobile terminal according to the newly configured appointed identification; if the appointed identification passes the verification, the received broadcast data is determined as the broadcast data sent by the payment machine tool, and the equipment identification of the payment machine tool is obtained from the broadcast data sent by the payment machine tool;

the account acquisition unit is used for acquiring the payment account bound by the mobile terminal;

and the data communication unit is used for sending the device identification and the payment account number to a payment server, wherein the device identification is used for the payment server to receive the biological characteristic information and the device identification sent by the payment tool, detect that the payment account number corresponding to the biological characteristic information is bound with the device identification of the payment tool, and finish the payment operation of the payment account number corresponding to the biological characteristic information.

11. A payment system is characterized by comprising a payment machine and a mobile terminal;

the payment machine tool is used for sending broadcast data carrying the equipment identifier of the payment machine tool;

the mobile terminal is used for acquiring the equipment identification of the payment machine from the broadcast data sent by the payment machine, wherein when the mobile terminal receives the broadcast data, the mobile terminal identifies whether the received broadcast data has an appointed identification, and the appointed identification is used for identifying whether the broadcast data is sent by a legal payment machine or not; if the received broadcast data is identified to have the appointed identification, determining a configuration mode of the appointed identification based on the format of the appointed identification, wherein the configuration mode is fixed configuration or dynamic configuration; if the configuration mode of the appointed identification is determined to be fixed configuration, verifying the appointed identification by verifying whether the format of the appointed identification meets the appointed rule through the mobile terminal; if the appointed identification is determined to be dynamically configured, the appointed identification is sent to a payment server, so that the payment server can verify the appointed identification received by the mobile terminal according to the newly configured appointed identification; if the appointed identification passes the verification, the received broadcast data is determined as the broadcast data sent by the payment machine tool, and the equipment identification of the payment machine tool is obtained from the broadcast data sent by the payment machine tool; acquiring the bound payment account, and sending the device identifier and the payment account to a payment server;

the payment tool is further used for sending the device identification and the collected biological characteristic information to the payment server, and the biological characteristic information is used for completing the payment operation of the payment account corresponding to the biological characteristic information after the payment server detects that the payment account corresponding to the biological characteristic information is bound with the device identification of the payment tool.

12. A mobile terminal comprising one or more processors and memory;

one or more programs stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to perform the method of any of claims 1-4.

13. A computer-readable storage medium, having program code stored therein, wherein the method of any of claims 1-4 is performed when the program code is run.