CN111429126A

CN111429126A - Payment method, device and equipment

Info

Publication number: CN111429126A
Application number: CN202010138907.XA
Authority: CN
Inventors: 蒋龙
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2020-03-03
Filing date: 2020-03-03
Publication date: 2020-07-17
Also published as: WO2021174968A1

Abstract

The embodiment of the specification provides a payment method, a payment device and payment equipment, wherein the method comprises the following steps: the method comprises the steps that the Internet of things equipment responds to the purchase operation of a first user on a target product in the Internet of things equipment, sends a purchase request to a background server of the target product, and receives information of an order of the target product returned by the background server; sending a first payment request of the order to a payment server according to the information of the order, wherein the first payment request comprises identification information of the Internet of things equipment; when the payment server side determines that the Internet of things equipment and the account of the first user have the binding relationship according to the identification information, payment processing is carried out according to the information of the order and the bound account; the binding relationship represents that the internet of things equipment is granted with the permission of payment by using the bound account by the first user.

Description

Payment method, device and equipment

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a cross-border payment method, device, and apparatus.

Background

With the development of the internet of things technology and the pursuit of people for good life, the internet of things equipment widely enters the life of people, such as an intelligent sound box, an intelligent television and the like with the function of the internet of things. These internet of things devices provide services such as video, entertainment, and life convenience for users, and meanwhile, there are payment scenes when the users cannot pay, for example, when a user wants to play a paid song through the smart audio, the user needs to complete the playing of the song after payment. However, in the payment scenario, the user is required to operate his terminal device to complete the payment of the fee; the operation of the user is increased, the use flow of the user to the Internet of things equipment is easily interrupted, and the user experience is reduced.

Disclosure of Invention

One or more embodiments of the present disclosure provide a payment method, device, and device, so that when a payment authority is granted to an internet of things device, payment can be independently completed without interrupting a use process of a user for the internet of things device, which not only can improve user experience, but also can enrich an application scenario of the internet of things device, so that the internet of things device can better meet user requirements.

To solve the above technical problem, one or more embodiments of the present specification are implemented as follows:

one or more embodiments of the present specification provide a payment method, applied to an internet of things device, including:

responding to a purchase operation of the target product on the Internet of things equipment, and sending a purchase request to a background server of the target product;

receiving the information of the order of the target product returned by the background server;

sending a first payment request of the order to a payment server according to the information of the order, wherein the first payment request comprises identification information of the Internet of things equipment; when the payment server side determines that the Internet of things equipment and the account of the first user have the binding relationship according to the identification information, payment processing is carried out according to the information of the order and the account; wherein the binding relationship characterizes that the IOT device is granted the right to pay using the account by the first user.

One or more embodiments of the present specification provide a payment method, applied to a payment server, including:

receiving a first payment request sent by the Internet of things equipment; the first payment request is sent based on the purchase operation of a first user on a target product in the Internet of things equipment, and the first payment request comprises information of an order of the target product and identification information of the Internet of things equipment;

determining whether the Internet of things equipment has a binding relationship with an account of a first user according to the identification information;

and if so, carrying out payment processing according to the information of the order and the account.

One or more embodiments of the present specification provide a payment apparatus, which is applied to an internet of things device, and includes:

the sending module is used for responding to the purchase operation of the target product on the Internet of things equipment and sending a purchase request to a background server of the target product;

the receiving module is used for receiving the information of the order of the target product returned by the background server;

the payment module is used for sending a first payment request of the order to a payment server according to the information of the order, wherein the first payment request comprises the identification information of the Internet of things equipment; when the payment server side determines that the Internet of things equipment and the account of the first user have the binding relationship according to the identification information, payment processing is carried out according to the information of the order and the account; wherein the binding relationship characterizes that the IOT device is granted the right to pay using the account by the first user.

One or more embodiments of the present specification provide a payment apparatus, applied to a payment server, including:

the receiving module is used for receiving a first payment request sent by the Internet of things equipment; the first payment request is sent based on the purchase operation of a first user on a target product in the Internet of things equipment, and the first payment request comprises information of an order of the target product and identification information of the Internet of things equipment;

the determining module is used for determining whether the Internet of things equipment has a binding relationship with an account of a first user according to the identification information;

and the first processing module is used for performing payment processing according to the information of the order and the account if the determination result of the determination module is positive.

One or more embodiments of the present specification provide a payment device, including:

a processor; and the number of the first and second groups,

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

a processor; and the number of the first and second groups,

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following:

According to the embodiment of the specification, the internet of things equipment and the account of the user are bound, so that the right of the internet of things equipment for payment by using the account is granted, the payment can be independently completed by the internet of things equipment based on the purchase operation of the user on the target product, the use process of the user on the internet of things equipment cannot be interrupted, the user experience can be improved, the application scene of the internet of things equipment can be enriched, the internet of things equipment can better serve the user, and the user requirements can be met.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and that other drawings can be obtained by those skilled in the art without inventive exercise.

Fig. 1 is a schematic view of a payment method provided in one or more embodiments of the present disclosure;

fig. 2 is a first schematic flow chart of a payment method provided in one or more embodiments of the present disclosure;

fig. 3 is a second schematic flow chart of a payment method provided in one or more embodiments of the present disclosure;

fig. 4 is a schematic diagram illustrating a third scenario of a payment method according to one or more embodiments of the present disclosure;

fig. 5 is a fourth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 6 is a fifth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 7 is a sixth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 8 is a seventh flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 9 is an eighth flowchart of a payment method provided in one or more embodiments of the present disclosure;

fig. 10 is a ninth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 11 is a tenth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 12 is an eleventh flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 13 is a twelfth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 14 is a thirteenth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 15 is a fourteenth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 16 is a fifteenth schematic flow chart of a payment method according to one or more embodiments of the present disclosure;

fig. 17 is a sixteenth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 18 is a seventeenth schematic flow chart of a payment method according to one or more embodiments of the present disclosure;

fig. 19 is an eighteenth flowchart of a payment method according to one or more embodiments of the present disclosure;

fig. 20 is a nineteenth flowchart of a payment method provided in one or more embodiments of the present disclosure;

fig. 21 is a schematic diagram illustrating a first module of a payment device according to one or more embodiments of the present disclosure;

fig. 22 is a schematic diagram illustrating a second module of a payment device according to one or more embodiments of the present disclosure;

fig. 23 is a schematic diagram of a payment system according to one or more embodiments of the present disclosure;

fig. 24 is a schematic structural diagram of a payment device according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

Fig. 1 is a schematic view of an application scenario of a payment method according to one or more embodiments of the present specification, where as shown in fig. 1, the scenario includes: the system comprises the Internet of things equipment, a background server side and a payment server side of a target product to be purchased; the internet of things equipment is any equipment with the internet of things function, such as a sound box, a television, a refrigerator, an automobile and the like (only the television is shown in fig. 1) with the internet of things function; the background server and the payment server can be independent servers, or can be a server cluster consisting of a plurality of servers.

Specifically, the first user firstly binds the internet of things equipment with an account of the first user, and after the binding is successful, the first user can operate the internet of things equipment to purchase a target product on the internet of things equipment; the method comprises the steps that the Internet of things equipment responds to the purchase operation of a first user on a target product and sends a purchase request to a background server of the target product; the background server receives a purchase request sent by the Internet of things equipment, generates an order of a target product according to information of the target product, the amount to be paid and the like, and returns the information of the order to the Internet of things equipment; the method comprises the steps that the Internet of things equipment receives information of an order of a target product returned by a background server, and sends a first payment request of the order to a payment server according to the information of the order, wherein the first payment request comprises identification information of the Internet of things equipment; when the payment server side determines that the Internet of things equipment and the account of the first user have the binding relationship according to the identification information, payment processing is carried out according to the information of the order and the bound account, and payment processing result information is sent to the Internet of things equipment; the binding relationship represents that the internet of things equipment is granted with the authority of using the account for payment by the first user. From this, through binding thing networking device and user's account to grant thing networking device and use this account to carry out the authority of paying, make thing networking device can independently accomplish the payment based on the purchase operation of user to the target product, and can not break the use flow of user to thing networking device, not only can promote user experience, can enrich the application scene of thing networking device moreover, make that thing networking device can be better serve in the user, satisfy user's demand.

Fig. 2 is a flowchart illustrating a payment method according to one or more embodiments of the present disclosure, where the method in fig. 2 can be performed by the internet of things device in fig. 1, as shown in fig. 2, and the method includes the following steps:

step S102, responding to the purchase operation of the target product on the Internet of things equipment, and sending a purchase request to a background server of the target product;

specifically, a client related to the purchase of the target product can be installed in the internet of things device, and when a first user needs to purchase the target product through the client in the internet of things device, the internet of things device is operated to purchase the target product; the Internet of things equipment responds to the purchase operation of the first user on the target product, and sends a purchase request to a background server of the target product, so that the background server generates an order of the target product and returns the information of the order. For example, the internet of things device is a sound box with an internet of things function, wherein a client of a certain music player can be installed, the client includes a plurality of songs, and when a first user wants to play a certain paid song, the sound box can be operated to purchase a playing right of the paid song; and the sound box responds to the purchase operation of the first user on the song and sends a purchase request to the corresponding background server so that the background server generates an order and returns the information of the order.

Step S104, receiving the order information of the target product returned by the background server;

specifically, when the background server receives a purchase request sent by the internet of things equipment, an order is generated according to product information of a target product, the amount to be paid and the like, and information of the order is returned to the internet of things equipment; the method comprises the steps that the Internet of things equipment receives order information of a target product returned by a background server; the information of the order includes, but is not limited to, an order identifier, a generation time of the order, information of the target product, an amount to be paid, and the like.

Step S106, sending a first payment request of the order to a payment server according to the information of the order, wherein the first payment request comprises identification information of the Internet of things equipment; when the payment server side determines that the Internet of things equipment and the account of the first user have the binding relationship according to the identification information, payment processing is carried out according to the information of the order and the account; the binding relationship represents that the internet of things equipment is granted with the authority of using the account for payment by the first user.

In one or more embodiments of the present description, the internet of things device is bound to an account of a user, so that the right of the internet of things device to pay using the account is granted, the internet of things device can independently complete payment based on purchase operation of the user on a target product, and a use flow of the user on the internet of things device is not interrupted, so that not only can user experience be improved, but also application scenarios of the internet of things device can be enriched, and the internet of things device can better serve the user and meet user requirements.

In order to enable the internet of things device to independently complete payment, when a first user purchases a target product through the internet of things device, the first user needs to bind the internet of things device with an account of the first user, wherein the account has a payment function. As an example, the internet of things device responds to the binding operation of the first user, generates a binding code according to the identification information of the internet of things device, and displays a binding page including the binding code; the method comprises the steps that a client corresponding to an account to be bound is installed in terminal equipment of a first user, the first user operates the terminal equipment of the first user to scan a binding code of the Internet of things equipment through the client corresponding to the account to be bound, the binding code is displayed and analyzed to obtain identification information of the Internet of things equipment, and when the binding confirmation operation of the first user is detected, the account to be bound and the Internet of things equipment are bound to grant the authority of the Internet of things equipment for payment by using the account; and sending the account information of the account and the identification information of the internet of things equipment to a payment server, so that the payment server stores the account information and the identification information in a correlation manner, and determines the stored information as the binding record information of the internet of things equipment and the account. As another example, the internet of things device may establish a bluetooth connection with a terminal device of a first user, the internet of things device sends device information of the internet of things device to the terminal device of the first user through the bluetooth connection, when a client corresponding to the account to be bound acquires the device information of the internet of things device, the device information is displayed, and when a binding confirmation operation of the first user is detected, the account to be bound is bound with the internet of things device, so as to grant the internet of things device a right to use the account for payment; and sending the account information of the account and the identification information of the internet of things equipment to a payment server, so that the server stores the account information and the identification information in a correlation manner, and determines the stored information as the binding record information of the internet of things equipment and the account. It should be noted that the binding process between the internet of things device and the account of the first user is not limited to the above example, and may be set in practical applications as needed. Furthermore, when the first user binds the internet of things device with the account of the first user, identity verification needs to be performed on the first user, and binding is performed after the verification is passed; and when the first user operates the terminal device of the first user to bind the internet of things device with the account of the first user, only the internet of things device payment function can be granted, and the user is required to log in the account during payment to further ensure the payment safety while the internet of things device payment function is granted.

In practical application, the user may perform purchase operation when the internet of things device is not bound with the account; in order to avoid subsequent unnecessary operations caused by this situation, in one or more embodiments of the present specification, a binding relationship between the internet of things device and the account of the first user is maintained in the internet of things device, so that when the internet of things device detects a purchase operation of the target product by the first user, it is first determined whether the internet of things device has a binding relationship with the account of the first user. Specifically, as shown in fig. 3, before step S102, the method further includes:

step S100-2, receiving binding confirmation information that the Internet of things equipment and an account of the first user are bound;

optionally, corresponding to the foregoing example, the binding interface displayed by the internet of things device further includes: an account information input box and a binding confirmation control; when the first user operates the terminal equipment of the first user to finish the binding of the Internet of things equipment and the account, the first user also operates the binding interface, inputs the account information of the bound account in the account information input box, and clicks the binding confirmation control; when the internet of things device detects the click operation of the binding confirmation control, the binding confirmation information that the internet of things device is bound with the account of the first user is confirmed to be received, and step S100-4 is executed. Or, the internet of things device receives account information of the account to be bound sent by the terminal device of the first user through bluetooth connection established with the terminal device of the first user, displays the received account information, determines to receive binding confirmation information that the internet of things device and the account of the first user are bound when a confirmation binding operation of the user is detected, and executes step S100-4.

It should be noted that the manner in which the internet of things device receives the binding acknowledgement information is not limited to the above manner, and may be set by itself as needed in practical application; the operation of the first user on the internet of things device can be a touch operation or a control operation based on a voice instruction, for example, the first user controls the internet of things device to display a binding interface including a binding code through the voice instruction 'display binding code'; when the internet of things equipment collects the voice command of the first user, the voice command is analyzed, and the binding interface is displayed.

And S100-4, storing the binding relationship between the account of the first user and the Internet of things equipment in the Internet of things equipment based on the binding confirmation information.

Optionally, the account information of the account of the first user is stored in a specified storage area, or the account information, the binding time and other information of the account of the first user are stored in the specified storage area in an associated manner, so as to represent that the internet of things device has a binding relationship with the account.

Furthermore, when the user wants to cancel the payment authorization of the internet of things device, the user can operate the terminal device to remove the binding relationship between the account and the internet of things device, and can operate the internet of things device to delete the stored binding relationship.

Further, corresponding to step S100-2 and step S100-4, as shown in fig. 3, step S102 may include:

step S102-2, responding to the purchase operation of the target product on the Internet of things equipment, and determining whether the Internet of things equipment has a binding relationship with an account of a first user; if not, executing the step S102-4; if yes, executing step S102-6;

specifically, in response to a purchase operation of the target product on the internet of things device, whether account information of a first user is stored in a designated storage area is inquired, and if yes, it is determined that the internet of things device and an account of the first user have a binding relationship; if not, determining that the Internet of things equipment does not have a binding relationship with the account of the first user.

Step S102-4, sending prompt information to enable the first user to bind the Internet of things equipment with the account of the first user;

the prompt information can be display prompt information or voice broadcast prompt information.

When the internet of things device detects that a first user purchases a target product, whether the internet of things device is in a binding relationship with an account of the first user or not is determined, and therefore subsequent unnecessary operations caused when the internet of things device is not bound with the account of the first user can be effectively avoided.

And step S102-6, sending a purchase request to a background server of the target product.

In order to ensure the safety of payment, in one or more embodiments of the present specification, an identity verification is further required for the first user during the payment process; specifically, as shown in fig. 4, the method further includes:

step S105, acquiring identity verification information to be verified of the first user, and sending the identity verification information to the payment server;

correspondingly, as shown in fig. 4, the step S106 includes the following steps S106-2:

step S106-2, sending a first payment request of the order to a payment server according to the information of the order, wherein the first payment request comprises identification information of the Internet of things equipment; when the payment server side passes the verification of the identity verification information and determines that the Internet of things equipment and the account of the first user have a binding relationship, payment processing is carried out according to the information of the order and the account; the binding relationship represents that the internet of things equipment is granted with the authority of using the account for payment by the first user.

It should be noted that step S105 may be executed before sending the first payment request to the payment server, or may be executed after sending the first payment request to the payment server, and may be set in an actual application according to actual needs, different identity verification methods, and the like.

In one or more embodiments of the present description, the identity verification method may be a voiceprint verification. The first user can control the internet of things equipment to purchase a target product through a voice purchase instruction; when the internet of things device collects voiceprint data corresponding to the voice purchasing instruction, the voiceprint data can be directly determined as the identity verification information to be verified of the first user. Specifically, as shown in fig. 5, step S102 may include:

step S102', a purchase request is sent to a background server of a target product in response to a voice purchase instruction of the target product at the Internet of things equipment;

the voice purchasing instruction comprises a selection instruction, a payment instruction and the like of the first user on the target product; for example, a first user sends a selection instruction "play X song" to a sound box with an internet of things function, the internet of things device may prompt the first user when determining that the X song is a paid song, and the first user sends a payment instruction "pay for the X song" to the sound box when receiving the prompt information.

Corresponding to step S102', the internet of things device may receive the first identity verification request sent by the payment server after sending the first payment request to the payment server, and send the identity verification information to the payment server when receiving the first identity verification request. Specifically, as shown in fig. 5, the steps S105 and S106 may include the following steps S108-2 to S108-6;

step S108-2, voice print data corresponding to the voice purchasing instruction is collected, and the voice print data is determined as identity verification information of the first user;

step S108-4, sending a first payment request of the order to a payment server according to the information of the order, wherein the first payment request comprises identification information of the Internet of things equipment;

step S108-6, receiving a second identity verification request sent by the payment server, and sending the collected identity verification information to the payment server, so that when the payment server passes the identity verification information verification and determines that the Internet of things equipment and the account of the first user have a binding relationship, payment processing is carried out according to the information of the order and the account; the binding relationship represents that the internet of things equipment is granted with the authority of using the account for payment by the first user.

It should be noted that step S108-2 and step S102' may be performed simultaneously.

From this, carry out the purchase in-process of target product at first user through speech control thing networking device, can realize the collection of identity verification information simultaneously, and need not independent collection, promoted identity verification efficiency, and then promoted payment efficiency.

Or, corresponding to the step S102', the internet of things device may further determine voiceprint data corresponding to the collected voice purchase instruction as the identity verification information of the first user, and add the identity verification information to the first payment request, so as to send the identity verification information to the payment server through the first payment request. Specifically, as shown in fig. 6, the steps S105 and S106 include the following steps S108-8 and S108-10;

step S108-8, voice print data corresponding to the voice purchasing instruction is collected, and the voice print data is determined as identity verification information of the first user; generating a first payment request according to the identity verification information, the order information and the identification information of the Internet of things equipment;

step S108-10, sending the generated first payment request to a payment server, so that when the payment server passes identity verification information verification and determines that the Internet of things equipment and an account of a first user have a binding relationship, payment processing is carried out according to information of an order and the account; the binding relationship represents that the internet of things equipment is granted with the authority of using the account for payment by the first user.

Therefore, the first payment request is generated according to the acquired identity verification information, the information of the order and the like, and the identity verification information is sent to the payment server through the first payment request, so that multiple data interaction between the Internet of things equipment and the payment server is avoided, and the payment efficiency is improved.

When the first user purchases the target commodity through the voice-controlled internet of things device, the voiceprint data corresponding to the voice purchase instruction of the first user is determined as the identity verification information to be verified of the first user, and the identity verification process is carried out, so that the payment efficiency is improved, and convenience and simplicity are brought to the user. Further, when the first user does not purchase the target commodity through the voice control internet of things device, the internet of things device can also perform identity verification on the first user through other preset identity verification modes. Specifically, as shown in fig. 7, step S106 includes the following steps S106-4 and S106-6:

step S106-4, a first payment request of the order is sent to the payment server according to the information of the order, the first payment request comprises identification information of the Internet of things equipment and check identifications of a plurality of identity check modes supported by the Internet of things equipment, so that the payment server selects a target identity check mode from the plurality of identity check modes;

specifically, a first payment request is generated according to the information of the order, the identification information of the internet of things equipment, the verification identification of a plurality of identity verification modes supported by the internet of things equipment and the like, and the generated first payment request is sent to the payment server. The multiple identity verification modes supported by the Internet of things equipment comprise a biological characteristic verification mode, a password account verification mode and the like; the biometric verification method includes face verification, voiceprint verification, iris verification, and the like. It should be noted that the first payment request may further include a user identifier of the first user, a preset verification identifier, a preset scene identifier (e.g., a speaker payment scene, an automobile payment scene), and the like.

Step S106-6, receiving a first identity verification request sent by a payment server;

specifically, when the payment server receives the first payment request, a target identity verification mode is selected from a plurality of identity verification modes supported by the internet of things equipment according to a preset mode, and the first identity verification request is sent to the internet of things equipment according to a verification identifier of the target identity verification mode. The preset mode can be set in practical application according to needs, for example, the risk of each identity verification mode is evaluated through a risk evaluation system, and the identity verification mode with the minimum risk is determined as a target identity verification mode.

Corresponding to step S106-4 and step S106-6, as shown in fig. 7, the aforementioned step S105 is performed after step S106, and includes the following step S105-4:

and S105-4, acquiring identity verification information to be verified of the user according to a target identity verification mode corresponding to the verification identification in the first identity verification request, and sending the acquired identity verification information to the payment server, so that when the payment server passes the identity verification information verification and determines that the Internet of things equipment and the account of the first user have a binding relationship, payment processing is carried out according to the information of the order and the bound account.

Therefore, the identity verification information of the first user is collected to perform identity verification based on the target identity verification mode appointed by the payment server, and the safety and the effectiveness of verification are favorably improved.

Further, in order to avoid payment failure caused by failure in acquisition or transmission of identity verification information due to factors such as a network, the payment server can also generate a payment code and transmit the payment code information to the internet of things equipment, so that the internet of things equipment displays the payment code, and the first user can pay for the order in a code scanning mode. Correspondingly, the method further comprises the following steps:

step A2, receiving payment code information sent by a payment server;

optionally, the payment server sends payment code information to the internet of things device after sending the second identity verification request to the internet of things device; or the payment server generates a second payment request according to the payment code information and the verification identification of the target identity verification mode, and sends the second payment request to the Internet of things equipment; and the Internet of things equipment acquires the payment code information from the second payment request.

And A4, displaying the payment code corresponding to the payment code information, so that the first user can pay for the order by scanning the payment code through the bound account.

Specifically, when the identity verification information acquisition fails, the Internet of things equipment sends code scanning prompt information to prompt a first user to scan a payment code through a bound account so as to pay an order; or when the first user is inconvenient to acquire the identity verification information, the first user can actively select a code scanning payment mode to pay the order. Therefore, multiple payment modes are provided for the user, the user can select a proper payment mode to pay according to the self condition, and the user experience can be greatly improved.

Based on any of the above embodiments, when the identity verification information includes biometric information, such as voiceprint information, face information, iris information, etc.; in order to improve the accuracy of the verification, in one or more embodiments of the present specification, as shown in fig. 8, before the step S102, the method further includes:

s100-6, collecting the biological characteristic information to be registered of the first user;

specifically, the state of the external environment where the internet of things equipment is located at present is detected, and according to the detected state of the external environment, the acquisition parameters of the internet of things equipment are adjusted and the biological feature information to be registered of the first user is acquired. For example, the collected biometric information to be registered is a voiceprint, the noisy state of the external environment where the internet of things device is located can be detected, and when the noisy sound of the external environment is large, the volume in the collection parameters can be adjusted to be large, so that the voiceprint of the user can be collected more clearly. For another example, the collected biometric information to be registered is a face image, the brightness of the external environment where the internet of things device is located can be detected, and when the brightness is low, the brightness parameter in the collected parameters can be increased, so that the face image of the user can be collected more clearly. From this, through detecting the external environment's that thing networking device is located state to adjust the acquisition parameter, can promote the quality of the biological characteristic information of waiting to register of gathering, and then the accuracy when promoting the identity verification.

Further, when the collected biological characteristic information to be registered is a voiceprint, the internet of things equipment can prompt voice content, and the first user sends out voice according to the voice content prompted by the internet of things equipment; for example, the internet of things device displays a voice content of 'i is a sound box' or sends out a voice of 'i is a sound box', and the first user sends out the voice of 'i is a sound box', so that the internet of things device collects the voice.

Step S100-8, sending a biological characteristic registration request to a payment server according to the biological characteristic information and identification information of the Internet of things equipment, so that the payment server determines the biological characteristic information as an identity verification sample of a first user about the Internet of things equipment when determining that the biological characteristic information meets a preset registration condition;

the biometric registration request may further include a user identifier of the first user, an identity document number of the first user, a preset registration operation identifier, a type of biometric information (e.g., voiceprint, face, etc.), and the like.

In order to improve the accuracy of the collected biometric information, in one or more embodiments of the present specification, two times of collecting the biometric information may be performed, that is, after step S100-8, the method may further include: and receiving a biological characteristic acquisition request sent by the payment server, acquiring biological characteristic information to be registered of the first user again, and sending the acquired biological characteristic information and the identification information of the Internet of things equipment to the payment server, so that when the payment server successfully matches the acquired biological characteristic information with the biological characteristic information in the biological characteristic registration request, the biological characteristic registration processing is carried out.

And S100-10, receiving the biological characteristic registration result information sent by the payment server.

It should be noted that, before acquiring the biometric feature of the first user to be registered, the method further includes verifying the identity of the first user, and performing the registration process when the verification is passed. Because the first user also needs to perform identity authentication when the internet of things device is bound with the account of the first user, the biological characteristics can be directly registered after the first user is successfully bound, and the identity authentication of the first user is not needed again.

The biological characteristic information of the first user is registered, so that the payment server side can have accurate and effective identity verification samples, and the verification accuracy and effectiveness are improved when the identity of the first user is verified in the payment process.

Further, in order to enable the internet of things device to perform effective data communication with the payment server, and enable the payment server to effectively distinguish among the internet of things devices, in one or more embodiments of the present specification, as shown in fig. 9, step S102 further includes:

step S100-12, a first equipment registration request is sent to a payment server, so that the payment server generates identification information of the equipment of the Internet of things;

s100-14, receiving identification information sent by a payment server, and sending the identification information and equipment information of the Internet of things equipment to the payment server so that the payment server stores the identification information and the equipment information in a correlation manner;

s100-16, receiving equipment registration success information sent by a payment server;

alternatively, as shown in fig. 10, step S102 further includes:

step S100-18, sending a second equipment registration request to a payment server; the second equipment registration request comprises equipment information of the Internet of things equipment, so that the server stores the generated identification information of the Internet of things equipment in a correlated manner with the equipment information;

step S100-20, receiving equipment registration success information sent by a server; wherein the device registration success information includes identification information.

The device information of the internet of things device comprises a device product name, an operating system version, a Bluetooth MAC address, an integrated version of a program development kit and the like.

Further, in order to prevent the identity verification information to be verified of the first user, which is acquired in the payment process, from being tampered, in one or more embodiments of the present specification, when the payment server performs device registration processing, the payment server further allocates a public and private key pair to the internet of things device, and sends registration success information to the internet of things device according to the public key therein; and when the Internet of things equipment receives the equipment registration success information, acquiring the public key from the equipment registration success information, and storing the acquired public key. Correspondingly, the foregoing step S105 may include:

acquiring identity verification information to be verified of a first user, and encrypting the acquired identity verification information by adopting a stored public key to obtain an identity verification information ciphertext; and sending the identity verification information ciphertext to the payment server.

Therefore, the payment server can effectively distinguish the internet of things devices by registering the internet of things devices, and the payment process can be effectively carried out.

It should be noted that, for an internet of things device that has just been shipped from a factory, registration of the internet of things device may be performed first to obtain identification information of the internet of things device from the payment server, so that operations such as registration of a biometric characteristic of the first user, binding operation of the internet of things device and an account of the first user, and purchase of a target product are performed according to the identification information.

On the basis of the same technical concept, corresponding to the payment methods described in fig. 2 to 10, another payment method is provided in one or more embodiments of the present specification, fig. 11 is a schematic flow diagram of another payment method provided in one or more embodiments of the present specification, and the method in fig. 11 can be executed by the payment server in fig. 1; as shown in fig. 11, the method comprises the steps of:

step S202, receiving a first payment request sent by the Internet of things equipment; the first payment request is sent based on the purchase operation of a first user on the target product in the Internet of things equipment, and the first payment request comprises the order information of the target product and the identification information of the Internet of things equipment;

specifically, the internet of things equipment responds to the purchase operation of a first user on a target product in the internet of things equipment, sends a purchase request to a background server of the target product, and receives information of an order of the target product returned by the background server; the Internet of things equipment generates a first payment request according to the received information of the order and the identification information of the Internet of things equipment, and sends the first payment request of the order to the payment server; the payment server receives the first payment request.

Step S204, determining whether the Internet of things equipment has a binding relationship with an account of the first user according to the identification information;

and S206, if yes, performing payment processing according to the information of the order and the account bound with the Internet of things equipment.

In one or more embodiments of the present description, when receiving a first payment request sent by an internet of things device, if it is determined that the internet of things device and an account of a first user have a binding relationship, a payment server performs payment processing based on the bound account. From this, through binding thing networking device and user's account to grant thing networking device and use this account to carry out the authority of paying, make thing networking device can independently accomplish the payment based on the purchase operation of user to the target product, and can not break the use flow of user to thing networking device, not only can promote user experience, can enrich the application scene of thing networking device moreover, make that thing networking device can be better serve in the user, satisfy user's demand.

In order to enable the payment server to quickly determine whether the internet of things device has a binding relationship with an account of the first user, in one or more embodiments of the present description, the internet of things device and the terminal device of the first user are bound to the same account, that is, a client corresponding to the account is installed in the terminal device of the first user. When a first user operates the client in the terminal equipment of the first user to bind the Internet of things equipment and the account, the client also sends the successfully bound account information and the identification information of the Internet of things equipment to a payment server; accordingly, as shown in fig. 12, step S202 further includes:

step S200-2, receiving account information of a first user and identification information of the Internet of things equipment, which are sent by a client; the client is a client corresponding to the account in the terminal equipment;

step S200-4, storing the account information and the identification information in a correlation manner, and determining the stored information as binding record information of the Internet of things equipment and the account;

correspondingly, as shown in fig. 12, step S204 includes:

step S204-2, determining whether the associated binding record information is inquired according to the identification information;

specifically, if the associated binding record information is inquired, it is determined that the internet of things equipment and the account of the first user have a binding relationship; if the associated binding record information is not inquired, determining that the Internet of things equipment and the account of the first user do not have a binding relationship, and sending payment failure information to the Internet of things equipment.

In order to ensure the security of the payment, in one or more embodiments of the present specification, the payment server further verifies the identity of the first user, and specifically, as shown in fig. 13, the method further includes:

step S203, obtaining identity verification information to be verified of the first user, and verifying the identity verification information;

correspondingly, as shown in fig. 13, the step S206 includes the following steps S206-2:

and S206-2, if the identity verification information passes verification and the binding relationship between the Internet of things equipment and the account of the first user is determined, performing payment processing according to the information of the order and the account.

It should be noted that step S203 may be executed before step S204, or may be executed after step S204, and may be set by itself according to actual needs, i.e. the manner of identity verification, and the like.

In one or more embodiments of the present description, the identity verification method may be a voiceprint verification method. The first user can control the internet of things equipment to purchase a target product through a voice purchase instruction; when the internet of things equipment collects voiceprint data corresponding to the voice purchasing instruction, the voiceprint data can be directly determined as identity verification information to be verified of the first user. Optionally, the payment server sends a second identity verification request to the internet of things device when receiving the first payment request, and the internet of things device sends the collected identity verification information (voiceprint data) of the first user to be verified to the payment server. Specifically, as shown in fig. 14, step S203 includes the following step S203-2;

step S203-2, sending a second identity verification request to the Internet of things equipment, receiving identity verification information to be verified sent by the Internet of things equipment, and verifying the identity verification information.

It is noted that step S203-2 may also be performed after determining that the internet of things device has a binding relationship with the first user account.

Or after acquiring the identity verification information (voiceprint data) to be verified of the first user, the internet of things equipment generates a first payment request according to the identity verification information, the order information and the identification information of the internet of things equipment, and sends the identity verification information to the payment server through the first payment request; correspondingly, as shown in fig. 15, step S202 and step S203 may include the following step S202-2 and step S202-4:

step S202-2, receiving a first payment request sent by the Internet of things equipment; the first payment request is sent based on the purchase operation of a first user on a target product in the Internet of things equipment, and comprises the order information of the target product, the identification information of the Internet of things equipment and the identity verification information to be verified of the first user;

step S202-4, obtaining the identity verification information from the first payment request, and verifying the identity verification information.

From this, in the purchase process that first user carries out the target product through speech control thing networking device, can realize the collection of identity verification information simultaneously, and need not independent collection, not only can promote identity verification efficiency, and then promote payment efficiency, convenient simple to the user moreover.

Furthermore, when the first user does not purchase the target product through the voice-controlled internet of things device, the to-be-verified identity verification information of the first user can be acquired through other preset identity verification modes. Specifically, as shown in fig. 16, step S202 and step S203 may include the following steps S202-6 to S202-10:

step S202-6, receiving a first payment request sent by the Internet of things equipment; the first payment request is sent based on the purchase operation of a first user on a target product on the Internet of things equipment, and comprises order information of the target product, identification information of the Internet of things equipment and verification identifications of a plurality of identity verification modes supported by the Internet of things equipment;

the multiple identity verification modes supported by the Internet of things equipment comprise a biological characteristic verification mode, a password account verification mode and the like; the biometric verification method includes face verification, voiceprint verification, iris verification, and the like. It should be noted that the first payment request may further include a user identifier of the first user, a preset verification identifier, a preset scene identifier (e.g., a speaker payment scene, an automobile payment scene), and the like.

Step S202-8, determining a target identity verification mode in a plurality of identity verification modes, and sending a first identity verification request to the Internet of things equipment according to a verification identifier of the target identity verification mode so that the Internet of things equipment collects identity verification information to be verified of a first user according to the target identity verification mode;

the determination mode of the target identity verification mode can be set in practical application according to needs, for example, the risk of each identity verification mode is evaluated through a risk evaluation system, and the identity verification mode with the minimum risk is determined as the target identity verification mode.

Step S202-10, receiving identity verification information sent by the Internet of things equipment, and verifying the identity verification information.

Therefore, the target identity verification mode in the plurality of identity verification modes is determined, and the Internet of things equipment collects the identity verification information of the first user according to the target identity verification mode, so that the safety and the effectiveness of verification are improved.

Further, in order to avoid payment failure caused by failure of the internet of things equipment in acquiring identity verification information, the payment server generates a payment code, and stores the payment code in association with identification information of the internet of things equipment, order information and the like; after the identity verification request is sent to the Internet of things equipment, payment code information is sent to the Internet of things equipment, or the identity verification request is sent to the Internet of things equipment according to the payment code information; the method comprises the steps that the internet of things equipment displays a payment code corresponding to payment code information, and prompts a first user to scan the payment code to pay an order when the identity verification information is determined to be failed to be acquired; or when the first user is detected to select the code scanning payment mode, the order is paid in the code scanning payment mode. Correspondingly, step S202-10 may include:

if the identity verification information sent by the Internet of things equipment is received, verifying the identity verification information; and if a second payment request sent by the client is received, inquiring the information of the associated order according to the two-dimensional code included in the second payment request, and performing payment processing according to the information of the order, the bound account, the payment password of the account included in the second payment request and the like.

Further, if the identity verification information sent by the internet of things device is received, when the identity verification information is an account password, the account password is matched with the account password of the first user, which is stored in advance, if the matching is successful, the verification is determined to be passed, and if the matching is failed, the payment failure information is sent to the internet of things device.

In one or more embodiments of the present disclosure, when the identity verification information is biometric information, in order to improve the accuracy of the verification, the biometric information of the first user is registered in advance, so as to perform the identity verification on the first user in the payment process. Specifically, as shown in fig. 17, step S202 further includes:

step S200-6, receiving a biological feature registration request sent by the Internet of things equipment, wherein the biological feature registration request comprises identification information of the Internet of things equipment and biological feature information of a first user to be registered;

the biometric registration request further includes information such as a user identifier of the first user, a preset registration identifier, and the like. The biological characteristic information to be registered is human face, voiceprint, iris, etc.

Step S200-8, if the biological characteristic information is determined to meet the preset registration condition, determining the biological characteristic information as an identity verification sample of the first user about the Internet of things equipment;

specifically, as shown in fig. 18, step S200-8 includes:

step S200-8-2, determining whether the times of sending the biological feature registration requests by the Internet of things equipment within the preset time length exceed the preset times, if so, sending biological feature registration failure information to the Internet of things equipment; otherwise, executing step S200-8-4;

step S200-8-4, determining whether the first user has a historical identity verification sample according to the user identification in the biological feature registration request, if so, executing step S200-8-6, otherwise, executing step S200-8-8;

specifically, the first user may have a plurality of internet of things devices, and when the biometric registration based on other internet of things devices is successful, the biometric sample is stored in association with the user identifier of the first user, the identification information of the corresponding internet of things device, and the like. Accordingly, step S200-8-4 includes: and determining whether the associated and stored biological characteristic sample is inquired according to the user identification in the biological characteristic registration request, if so, determining that the historical identity verification sample exists, and if not, determining that the historical identity verification sample does not exist.

Step S200-8-6, matching the biological characteristic information with the historical identity verification sample, and if the matching is successful, executing the step S200-8-8; if the matching fails, sending biological feature registration failure information to the Internet of things equipment;

step S200-8-8, determining whether the biological characteristic information meets the preset quality requirement, if so, executing step S200-8-10; and otherwise, sending the biological feature registration failure information to the Internet of things equipment.

Wherein, the quality requirement can be set automatically according to the requirement in the practical application; for example, the biometric information is a voiceprint, the quality requirement may be that the noise value is lower than a preset value, the accuracy of semantic recognition exceeds a preset accuracy, and the like; the biological characteristic information is a human face, and the quality requirement can be that the definition of the image exceeds the preset definition and the like.

S200-8-10, determining the biological characteristic information as an identity verification sample of the first user about the Internet of things equipment, and executing the S200-10;

further, in order to improve the accuracy of the biometric features, in one or more embodiments of the present specification, step S200-8 may be preceded by: if the biological characteristic information in the biological characteristic registration request is determined to meet the preset quality requirement, sending a secondary acquisition request to the Internet of things equipment so that the Internet of things equipment can acquire the identity characteristic information of the first user again; for convenience of description, the biometric information in the biometric registration request is recorded as first biometric information, and the biometric information collected again is recorded as second biometric information; and executing step S200-8 when it is determined that the second biometric information meets the preset quality requirement and the first biometric information matches the second biometric information. Accordingly, step S200-8 includes: and if the first biological characteristic information and the second biological characteristic information are determined to meet the preset registration condition, determining one piece of biological characteristic information as an identity verification sample of the first user about the Internet of things equipment.

And S200-10, storing the identity verification sample and the identification information in a correlation manner, and sending the biological characteristic registration result information to the Internet of things equipment.

Specifically, the identity verification sample is stored in a correlated manner with the user identifier of the first user, the identification information of the internet of things device and the like, and the biological feature registration result information is sent to the internet of things device.

After the biometric information is successfully registered, if the identity verification information in the payment process is the biometric information, the identity verification information to be verified can be verified based on the registered identity verification sample. Specifically, the step S202-10 of verifying the identity verification information includes:

and if the biological characteristic information is determined to meet the preset quality requirement, the identification information is associated with the registered identity verification sample, and the biological characteristic information is successfully matched with the identity verification sample, determining that the identity verification information passes verification.

Further, in order to ensure the validity and timeliness of the identity verification sample, in one or more embodiments of the present specification, when the identity verification information to be verified passes verification, the method further includes: deleting the currently stored identity verification sample, determining the identity verification information passing the verification as the identity verification sample, and storing the identity verification sample in association with the user identifier of the first user and the identifier information of the Internet of things equipment.

Therefore, the biological characteristic information of the user is registered, and the registered identity verification sample is updated in time, so that the accuracy of identity verification of the user in the payment process is improved.

In order to enable the internet of things device to perform effective data communication with the payment server, and enable the payment server to effectively distinguish among the internet of things devices, in one or more embodiments of the present specification, as shown in fig. 19, before step S202, the method further includes:

step S200-12, receiving a first equipment registration request sent by equipment of the Internet of things;

step S200-14, if the number of times that the Internet of things equipment sends the first equipment registration request in the preset time length does not exceed the preset number of times, generating identification information of the Internet of things equipment, and sending the generated identification information to the Internet of things equipment;

s200-16, receiving identification information and equipment information sent by the equipment of the Internet of things, storing the identification information and the equipment information in a correlation mode, and sending equipment registration success information to the equipment of the Internet of things;

alternatively, as shown in fig. 20, step S202 further includes:

step S200-18, receiving a second equipment registration request sent by the equipment of the Internet of things; the second equipment registration request comprises equipment information of the equipment of the Internet of things;

step S200-20, if the number of times that the Internet of things equipment sends the second equipment registration request in the preset time length does not exceed the first preset number of times, generating identification information of the Internet of things equipment;

and S200-22, storing the identification information and the equipment information in a correlation manner, and sending equipment registration success information to the Internet of things equipment, wherein the equipment registration success information comprises the identification information.

Further, when the payment server receives the first payment request, the method further includes: and determining whether the identification information of the Internet of things equipment included in the first payment request is registered, and if not, sending payment failure information to the Internet of things equipment.

Furthermore, in order to prevent the authentication information to be verified of the first user, collected during the payment process, from being tampered, in one or more embodiments of the present specification, after receiving the device registration request sent by the internet of things device, the method may further include:

and distributing a key pair for the Internet of things equipment, and storing a private key in the key pair in association with the identification information of the Internet of things equipment.

Correspondingly, the step S200-16 and the step S200-22 of sending the device registration success information to the internet of things device include:

sending equipment registration success information to the Internet of things equipment according to a public key in the key pair, so that the Internet of things equipment encrypts the identity verification information by adopting the public key when acquiring the identity verification information of the first user;

accordingly, the foregoing step S203 includes:

and acquiring an identity verification information ciphertext to be verified of the first user, decrypting the identity verification information ciphertext by using a private key of the key pair to obtain an identity verification information plaintext, and verifying the identity verification information plaintext.

Specifically, an identity verification information ciphertext to be verified of the first user is obtained, and a private key stored in a correlated manner is obtained according to the identification information of the internet of things equipment; and decrypting the identity verification information ciphertext by using the obtained private key to obtain an identity verification information plaintext, and verifying the identity verification information plaintext.

In one or more embodiments of the present description, when receiving a first payment request sent by an internet of things device, if it is determined that the internet of things device and an account of a first user have a binding relationship, a payment server performs payment processing according to the bound account. From this, through binding thing networking device and user's account to grant thing networking device and use this account to carry out the authority of paying, make thing networking device can independently accomplish the payment based on the purchase operation of user to the target product, and can not break the use flow of user to thing networking device, not only can promote user experience, can enrich the application scene of thing networking device moreover, make that thing networking device can be better serve in the user, satisfy user's demand.

On the basis of the same technical concept, corresponding to the payment methods described in fig. 2 to 10, one or more embodiments of the present disclosure further provide a payment apparatus applied to an internet of things device. Fig. 21 is a schematic diagram of a module composition of a payment apparatus according to one or more embodiments of the present disclosure, the apparatus being configured to perform the payment method described in fig. 2 to 10, and as shown in fig. 21, the apparatus includes:

the sending module 301 sends a purchase request to a background server of a target product in response to a purchase operation of the internet of things device on the target product;

a receiving module 302, configured to receive information of the order of the target product returned by the background server;

the payment module 303 is configured to send a first payment request of the order to a payment server according to the information of the order, where the first payment request includes identification information of the internet of things device; when the payment server side determines that the Internet of things equipment and the account of the first user have the binding relationship according to the identification information, payment processing is carried out according to the information of the order and the account; wherein the binding relationship characterizes that the IOT device is granted the right to pay using the account by the first user.

The payment device provided in one or more embodiments of the present specification, in response to a purchase operation of a user on a target product at an internet of things device, sends a first payment request to a payment server based on information of an order of the target product, so that the payment server performs payment processing according to information of the order and a bound account when determining that the internet of things device and an account of a first user have a binding relationship according to identification information of the internet of things device. From this, through binding thing networking device and user's account to grant thing networking device and use this account to carry out the authority of paying, make thing networking device can independently accomplish the payment based on the purchase operation of user to the target product, and can not break the use flow of user to thing networking device, not only can promote user experience, can enrich the application scene of thing networking device moreover, make that thing networking device can be better serve in the user, satisfy user's demand.

Optionally, the apparatus further comprises: a binding module;

the binding module receives binding confirmation information that the internet of things device is bound with the account of the first user before the sending module 301 sends a purchase request to the background server of the target product; and the number of the first and second groups,

and storing the binding relationship between the account of the first user and the Internet of things equipment in the Internet of things equipment based on the binding confirmation information.

Optionally, the sending module 301 determines whether the internet of things device has a binding relationship with an account of the first user;

if yes, sending a purchase request to a background server of the target product;

if not, sending prompt information to enable the first user to bind the Internet of things equipment with the account of the first user.

Optionally, the apparatus further comprises: an acquisition module;

the acquisition module acquires identity verification information to be verified of the first user; and the number of the first and second groups,

and sending the identity verification information to the payment server side so as to enable the payment server side to carry out payment processing according to the information of the order and the account when the identity verification information passes verification and the internet of things equipment and the account of the first user are determined to have a binding relationship.

Optionally, the sending module 301 is configured to respond to a voice purchase instruction for a target product at the internet of things device;

correspondingly, the acquisition module acquires voiceprint data corresponding to the voice purchasing instruction and determines the voiceprint data as the identity verification information of the first user.

Optionally, the first payment request further comprises: the payment server side selects a target identity verification mode from the multiple identity verification modes by the verification identification of the multiple identity verification modes supported by the Internet of things equipment;

the receiving module 302, after the payment module 303 sends the first payment request of the order to the payment server according to the information of the order, receives the first identity verification request sent by the payment server;

the acquisition module acquires the identity verification information of the user according to the target identity verification mode corresponding to the verification identification in the first identity verification request.

Optionally, the apparatus further comprises: a display module;

the receiving module 302, after the payment module 303 sends the first payment request of the order to the payment server according to the information of the order, receives payment code information sent by the payment server;

the display module displays the payment code corresponding to the payment code information so that the first user can scan the payment code through the account to pay the order.

Optionally, the apparatus further comprises: a first registration module; the identity verification information includes: biometric information;

the first registration module is used for acquiring the biological characteristic information to be registered of the first user before the acquisition module acquires the identity verification information to be verified of the first user; and the number of the first and second groups,

sending a biological feature registration request to the payment server according to the biological feature information and the identification information, so that when the payment server determines that the biological feature information meets a preset registration condition, the biological feature information is determined as an identity verification sample of the first user about the internet of things equipment;

and receiving the biological characteristic registration result information sent by the payment server.

Optionally, the first registration module detects a state of an external environment where the internet of things device is currently located;

and adjusting the acquisition parameters of the Internet of things equipment and acquiring the to-be-registered biological characteristic information of the first user according to the state of the external environment.

Optionally, the apparatus further comprises: a second registration module;

the second registration module is configured to send a first device registration request to a payment server before the payment module 303 sends a first payment request of the order to the payment server according to the information of the order, so that the payment server generates the identification information of the internet of things device;

receiving the identification information sent by the payment server, and sending the identification information and the equipment information of the Internet of things equipment to the payment server so that the payment server stores the identification information and the equipment information in a correlation manner;

receiving equipment registration success information sent by the payment server;

alternatively, the first and second electrodes may be,

sending a second equipment registration request to the payment server; the second equipment registration request comprises equipment information of the Internet of things equipment, so that the server stores the generated identification information of the Internet of things equipment in a correlation manner with the equipment information;

receiving equipment registration success information sent by the server; wherein the device registration success information includes the identification information.

Optionally, the registration success information includes: the server side is a public key distributed to the Internet of things equipment;

the acquisition module encrypts the identity verification information by adopting the public key to obtain an identity verification information ciphertext;

and sending the identity verification information ciphertext to the payment server.

It should be noted that the embodiment of the payment apparatus in this specification and the embodiment of the payment method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the corresponding payment method, and repeated details are not repeated.

Further, based on the same technical concept, the payment method described with reference to fig. 11 to 20 is applied to a payment server. Fig. 22 is a schematic diagram of a module composition of another payment apparatus provided in one or more embodiments of the present disclosure, the apparatus being configured to perform the payment method described in fig. 11 to 20, and as shown in fig. 22, the apparatus includes:

the receiving module 401 receives a first payment request sent by an internet of things device; the first payment request is sent based on the purchase operation of a first user on a target product in the Internet of things equipment, and the first payment request comprises information of an order of the target product and identification information of the Internet of things equipment;

a determining module 402, configured to determine whether the internet of things device has a binding relationship with an account of the first user according to the identification information;

and a first processing module 403, configured to, if a determination result of the determining module 402 is yes, perform payment processing according to the information of the order and the account.

In the payment device provided in one or more embodiments of the present specification, when a first payment request sent by an internet of things device is received, if it is determined that the internet of things device and an account of a first user have a binding relationship, payment processing is performed based on the bound account. From this, through binding thing networking device and user's account to grant thing networking device and use this account to carry out the authority of paying, make thing networking device can independently accomplish the payment based on the purchase operation of user to the target product, and can not break the use flow of user to thing networking device, not only can promote user experience, can enrich the application scene of thing networking device moreover, make that thing networking device can be better serve in the user, satisfy user's demand.

Optionally, the internet of things device and the terminal device of the first user are bound to the same account; the device further comprises: a storage module;

the receiving module 401, before receiving the first payment request sent by the internet of things device, also receives account information and the identification information of the account sent by the client; the client is a client corresponding to the account in the terminal equipment;

the storage module is used for storing the account information and the identification information in a correlation manner, and determining the stored information as the binding record information of the Internet of things equipment and the account;

the determining module 402 determines whether the associated binding record information is queried according to the identification information; if yes, determining whether the Internet of things equipment has a binding relationship with the account of the first user.

Optionally, the apparatus further comprises: a verification module;

the verification module acquires identity verification information to be verified of the first user and verifies the identity verification information;

the processing module 403, if the identity verification information passes verification and it is determined that the internet of things device and the account of the first user have a binding relationship, performs payment processing according to the information of the order and the account.

Optionally, the first payment request further comprises: the verification identification of a plurality of identity verification modes supported by the Internet of things equipment;

the verification module is used for determining a target identity verification mode in the plurality of identity verification modes;

sending a first identity verification request to the Internet of things equipment according to the verification identifier of the target identity verification mode, so that the Internet of things equipment collects identity verification information of the first user according to the target identity verification mode;

and receiving the identity verification information sent by the Internet of things equipment.

Optionally, the identity verification information includes: voice print data corresponding to the voice purchasing instruction of the first user to the target product;

and the verification module receives the identity verification information sent by the Internet of things equipment to the second identity verification request sent by the Internet of things equipment.

Optionally, the identity verification information includes: biometric information;

and the verification module is used for determining that the identity verification information passes verification if the biological characteristic information meets the preset quality requirement, the identification information has the associated registered identity verification sample, and the biological characteristic information is successfully matched with the identity verification sample.

Optionally, the apparatus further comprises: a second processing module;

the second processing module is used for receiving a biological feature registration request sent by the internet of things equipment, wherein the biological feature registration request comprises the identification information and biological feature information of the first user to be registered; and the number of the first and second groups,

if the biological characteristic information is determined to meet the preset registration condition, determining the biological characteristic information as an identity verification sample of the first user about the Internet of things equipment;

storing the identity verification sample and the identification information in a correlation manner;

and sending the biological feature registration result information to the Internet of things equipment.

Optionally, the biometric information includes: voiceprint information.

Optionally, the apparatus further comprises: a third processing module;

the third processing module receives a first device registration request sent by the internet of things device before the receiving module 401 receives the first payment request sent by the internet of things device; and the number of the first and second groups,

if the number of times that the Internet of things equipment sends the equipment registration request in the preset time length does not exceed the preset number of times, generating identification information of the Internet of things equipment, and sending the identification information to the Internet of things equipment;

receiving the identification information and the equipment information sent by the equipment of the Internet of things, and storing the identification information and the equipment information in a correlation manner;

sending equipment registration success information to the Internet of things equipment;

alternatively, the first and second electrodes may be,

receiving a second equipment registration request sent by the equipment of the Internet of things; the second equipment registration request comprises equipment information of the Internet of things equipment;

if the number of times that the Internet of things equipment sends the equipment registration request in the preset time length does not exceed a first preset number of times, generating identification information of the Internet of things equipment;

and storing the identification information and the equipment information in a correlation manner, and sending equipment registration success information to the Internet of things equipment, wherein the equipment registration success information comprises the identification information.

Optionally, the apparatus further comprises: a distribution module;

the distribution module distributes a key pair to the internet of things equipment after the second processing module receives the equipment registration request sent by the internet of things equipment;

the second processing module is used for sending equipment registration success information to the Internet of things equipment according to a public key in the key pair, so that the public key is adopted to encrypt the identity verification information when the Internet of things equipment acquires the identity verification information of the first user;

the verification module acquires the identity verification information ciphertext to be verified of the first user, decrypts the identity verification information ciphertext by adopting the private key in the key pair to obtain the identity verification information plaintext, and verifies the identity verification information plaintext.

It should be noted that, the embodiment of the payment apparatus in this specification and the embodiment of the payment method applied to the payment server in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to the implementation of the corresponding payment method applied to the payment server, and repeated details are not repeated.

Further, on the basis of the same technical concept, corresponding to the payment method described above, one or more embodiments of the present specification further provide a payment system. Fig. 23 is a schematic diagram of a payment system provided in one or more embodiments of the present disclosure, and as shown in fig. 23, the payment system includes: the system comprises the Internet of things equipment 501, a background server 502 of a target product to be purchased and a payment server 503;

the internet of things equipment 501 is used for responding to the purchase operation of a first user on a target product in the internet of things equipment 501 and sending a purchase request to a background server 502 of the target product; receiving the information of the order of the target product returned by the background server 502; sending a first payment request of the order to a payment server 503 according to the information of the order; the first payment request comprises identification information of the Internet of things equipment;

the background server 502 is used for receiving a purchase request sent by the internet of things device 501, generating an order of a target product according to the product information of the target product and the amount to be paid, and sending information of the order to the internet of things device 501;

the payment server 503 receives a first payment request sent by the internet of things device; determining whether the Internet of things equipment has a binding relationship with an account of a first user according to the identification information in the first payment request; and if so, carrying out payment processing according to the information of the order and the account.

In the payment system provided in one or more embodiments of the present specification, in response to a purchase operation of a user on a target product by an internet of things device, an internet of things device sends a first payment request to a payment server based on information of an order of the target product, so that the payment server performs payment processing according to information of the order and a bound account when determining that the internet of things device and an account of the first user have a binding relationship according to identification information of the internet of things device. From this, through binding thing networking device and user's account to grant thing networking device and use this account to carry out the authority of paying, make thing networking device can independently accomplish the payment based on the purchase operation of user to the target product, and can not break the use flow of user to thing networking device, not only can promote user experience, can enrich the application scene of thing networking device moreover, make that thing networking device can be better serve in the user, satisfy user's demand.

It should be noted that the embodiment of the payment system in this specification and the embodiment of the payment method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the corresponding payment method, and repeated details are not repeated.

Further, corresponding to the payment method described above, based on the same technical concept, one or more embodiments of the present specification further provide a payment device for performing the payment method described above, and fig. 24 is a schematic structural diagram of a payment device provided in one or more embodiments of the present specification.

As shown in fig. 24, the payment device may have a relatively large difference due to different configurations or performances, and may include one or more processors 601 and a memory 602, where one or more stored applications or data may be stored in the memory 602. Wherein the memory 602 may be transient or persistent storage. The application program stored in memory 602 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the payment device. Still further, processor 601 may be configured to communicate with memory 602 to execute a series of computer-executable instructions in memory 602 on a payment device. The payment apparatus may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input-output interfaces 605, one or more keyboards 606, and the like.

In one particular embodiment, a payment device includes memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment device, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

Optionally, when executed, the computer-executable instructions, before sending a purchase request to the backend server of the target product according to the method of claim 1, further comprise:

receiving binding confirmation information that the Internet of things equipment is bound with the account of the first user;

Optionally, when executed, the computer executable instructions send a purchase request to a backend server of the target product, including:

determining whether the Internet of things equipment has a binding relationship with an account of a first user;

Optionally, the computer executable instructions, when executed, further comprise:

acquiring identity verification information to be verified of the first user;

Optionally, the computer executable instructions, when executed, in response to the purchase operation of the target product at the internet of things device, comprise:

responding to a voice purchase instruction of a target product at the Internet of things equipment;

the collecting the identity verification information of the first user comprises:

and acquiring voiceprint data corresponding to the voice purchasing instruction, and determining the voiceprint data as the identity verification information of the first user.

Optionally, the computer-executable instructions, when executed, further comprise: the payment server side selects a target identity verification mode from the multiple identity verification modes by the verification identification of the multiple identity verification modes supported by the Internet of things equipment;

after the first payment request of the order is sent to the payment server according to the information of the order, the method further comprises the following steps:

receiving a first identity verification request sent by the payment server side;

and acquiring the identity verification information of the user according to the target identity verification mode corresponding to the verification identification in the first identity verification request.

Optionally, after the computer-executable instructions, when executed, send the first payment request of the order to a payment server according to the information of the order, the method further includes:

receiving payment code information sent by the payment server;

and displaying the payment code corresponding to the payment code information so that the first user scans the payment code through the account to pay the order.

Optionally, the computer executable instructions, when executed, further comprise: biometric information;

before the acquiring the identity verification information to be verified of the first user, the method further includes:

collecting the biological characteristic information to be registered of the first user;

Optionally, the computer executable instructions, when executed, collect biometric information of the first user to be registered, comprising:

detecting the state of the external environment where the Internet of things equipment is currently located;

Optionally, before the sending the first payment request of the order to the payment server according to the information of the order when the computer-executable instructions are executed, the method further includes:

sending a first equipment registration request to the payment server, so that the payment server generates the identification information of the internet of things equipment;

alternatively, the first and second electrodes may be,

Optionally, the registration success information comprises, when executed by computer-executable instructions: the server side is a public key distributed to the Internet of things equipment;

the sending the identity verification information to the payment server includes:

encrypting the identity verification information by using the public key to obtain an identity verification information ciphertext;

In another particular embodiment, a payment device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment device, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

In the payment device provided in one or more embodiments of the present description, when a first payment request sent by an internet of things device is received, if it is determined that the internet of things device and an account of a first user have a binding relationship, payment processing is performed based on the bound account. From this, through binding thing networking device and user's account to grant thing networking device and use this account to carry out the authority of paying, make thing networking device can independently accomplish the payment based on the purchase operation of user to the target product, and can not break the use flow of user to thing networking device, not only can promote user experience, can enrich the application scene of thing networking device moreover, make that thing networking device can be better serve in the user, satisfy user's demand.

Optionally, the internet of things device binds the same account with the terminal device of the first user when the computer-executable instructions are executed;

before receiving a first payment request sent by the internet of things device, the method further comprises:

receiving account information and the identification information of the account, which are sent by a client; the client is a client corresponding to the account in the terminal equipment;

storing the account information and the identification information in a correlation manner, and determining the stored information as binding record information of the Internet of things equipment and the account;

the determining whether the internet of things device has a binding relationship with an account of the first user according to the identification information includes:

determining whether the associated binding record information is inquired according to the identification information;

if yes, determining whether the Internet of things equipment has a binding relationship with the account of the first user.

acquiring identity verification information to be verified of the first user, and verifying the identity verification information;

if yes, performing payment processing according to the information of the order and the account, wherein the payment processing comprises the following steps:

and if the identity verification information passes verification and the Internet of things equipment and the account of the first user are determined to have a binding relationship, performing payment processing according to the information of the order and the account.

Optionally, the computer-executable instructions, when executed, further comprise: the verification identification of a plurality of identity verification modes supported by the Internet of things equipment;

the acquiring the identity verification information to be verified of the first user comprises the following steps:

determining a target identity verification mode in the plurality of identity verification modes;

Optionally, the computer executable instructions, when executed, further comprise: voice print data corresponding to the voice purchasing instruction of the first user to the target product;

and receiving the identity verification information sent by the Internet of things equipment to a second identity verification request sent by the Internet of things equipment.

the verifying the identity verification information comprises:

receiving a biological feature registration request sent by the internet of things device, wherein the biological feature registration request comprises the identification information and biological feature information of the first user to be registered;

Optionally, the computer executable instructions, when executed, the biometric information comprises: voiceprint information.

Optionally, when executed, the computer-executable instructions, before receiving the first payment request sent by the internet of things device, further include:

receiving a first equipment registration request sent by the Internet of things equipment;

alternatively, the first and second electrodes may be,

Optionally, after receiving the device registration request sent by the internet of things device, the computer-executable instructions further include:

distributing a key pair for the Internet of things equipment;

the sending of the device registration success information to the internet of things device includes:

sending equipment registration success information to the Internet of things equipment according to the public key in the key pair, so that the Internet of things equipment encrypts the identity verification information by adopting the public key when acquiring the identity verification information of the first user;

the obtaining of the identity verification information to be verified of the first user and the verification of the identity verification information include:

and acquiring the identity verification information ciphertext to be verified of the first user, decrypting the identity verification information ciphertext by using a private key of the key pair to obtain an identity verification information plaintext, and verifying the identity verification information plaintext.

It should be noted that the embodiment of the payment device in this specification and the embodiment of the payment method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the corresponding payment method, and repeated details are not repeated.

Further, based on the same technical concept, corresponding to the methods shown in fig. 2 to fig. 6, one or more embodiments of the present specification further provide a storage medium for storing computer-executable instructions, where in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, and the like, and the storage medium stores computer-executable instructions that, when executed by a processor, implement the following processes:

The storage medium stores computer-executable instructions that, when executed by the processor, respond to a purchase operation of a target product by a user on the internet of things device, and send a first payment request to the payment server based on information of an order of the target product, so that the payment server performs payment processing according to information of the order and a bound account when determining that the internet of things device and an account of the first user have a binding relationship according to identification information of the internet of things device. From this, through binding thing networking device and user's account to grant thing networking device and use this account to carry out the authority of paying, make thing networking device can independently accomplish the payment based on the purchase operation of user to the target product, and can not break the use flow of user to thing networking device, not only can promote user experience, can enrich the application scene of thing networking device moreover, make that thing networking device can be better serve in the user, satisfy user's demand.

Optionally, the storage medium stores computer-executable instructions, which when executed by the processor, further include, before sending the purchase request to the background server of the target product:

Optionally, the computer-executable instructions stored in the storage medium, when executed by the processor, send a purchase request to a backend server of the target product, including:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise:

acquiring identity verification information to be verified of the first user;

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, in response to a purchase operation of a target product at the internet of things device, comprise:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, the first payment request further comprises: the payment server side selects a target identity verification mode from the multiple identity verification modes by the verification identification of the multiple identity verification modes supported by the Internet of things equipment;

Optionally, the computer-executable instructions stored in the storage medium, when executed by the processor, further include, after sending the first payment request of the order to the payment service according to the information of the order:

receiving payment code information sent by the payment server;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the identity verification information to include: biometric information;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, collect biometric information of the first user to be registered, including:

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, the biometric information comprises: voiceprint information.

Optionally, before the computer-executable instructions stored in the storage medium are executed by a processor and the first payment request of the order is sent to a payment server according to the information of the order, the method further includes:

alternatively, the first and second electrodes may be,

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the registration success information to include: the server side is a public key distributed to the Internet of things equipment;

In another specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, and the storage medium stores computer-executable instructions that, when executed by the processor, implement the following process:

When executed by a processor, when receiving a first payment request sent by an internet of things device, if it is determined that the internet of things device has a binding relationship with an account of a first user, performing payment processing based on the bound account. From this, through binding thing networking device and user's account to grant thing networking device and use this account to carry out the authority of paying, make thing networking device can independently accomplish the payment based on the purchase operation of user to the target product, and can not break the use flow of user to thing networking device, not only can promote user experience, can enrich the application scene of thing networking device moreover, make that thing networking device can be better serve in the user, satisfy user's demand.

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, the internet of things device binds the same account with the terminal device of the first user;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, the first payment request further comprises: the verification identification of a plurality of identity verification modes supported by the Internet of things equipment;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the identity verification information to include: voice print data corresponding to the voice purchasing instruction of the first user to the target product;

the verifying the identity verification information comprises:

Optionally, the storage medium stores computer-executable instructions, which when executed by the processor, further include, before receiving the first payment request sent by the internet of things device:

alternatively, the first and second electrodes may be,

Optionally, the storage medium stores computer-executable instructions, which when executed by the processor, further include, after receiving a device registration request sent by the internet of things device:

distributing a key pair for the Internet of things equipment;

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the aforementioned corresponding payment method, and repeated details are not repeated.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 th century, improvements in Hardware (for example, improvements in Circuit structures such as diodes, transistors and switches) and software (for improvement in method flow) can be clearly distinguished for a technical improvement, however, as technology develops, many of the improvements in method flow today can be regarded as direct improvements in Hardware Circuit structures, designers almost obtain corresponding Hardware Circuit structures by Programming the improved method flow into Hardware circuits, and therefore, it cannot be said that an improvement in method flow cannot be realized by Hardware entity modules, for example, Programmable logic devices (Programmable logic devices L) integrated devices P L D (for example, Field Programmable Gate Arrays (FPGAs) are integrated circuits whose logic functions are determined by user Programming of devices), and integrated circuits "integrated" on a digital system P L D by self Programming of designers without requiring many kinds of integrated circuits manufactured and manufactured by special purpose chips are written in Hardware programs such as Hardware programs vhwang L, software programs, Hardware programs, software programs, Hardware programs, software programs, Hardware programs, software, Hardware programs, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware.

A controller may be implemented in any suitable manner, e.g., in the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, Application Specific Integrated Circuits (ASICs), programmable logic controllers (PLC's) and embedded microcontrollers, examples of which include, but are not limited to, microcontrollers 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone L abs C8051F320, which may also be implemented as part of the control logic of a memory.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A payment method is applied to equipment of the Internet of things and comprises the following steps:

2. The method of claim 1, before sending the purchase request to the backend server of the target product, further comprising:

3. The method of claim 2, the sending a purchase request to a backend server of the target product, comprising:

4. The method of claim 1, further comprising:

acquiring identity verification information to be verified of the first user;

5. The method of claim 4, the responding to the purchase operation of the target product at the internet of things device comprising:

6. The method of claim 4, the first payment request further comprising: the payment server side selects a target identity verification mode from the multiple identity verification modes by the verification identification of the multiple identity verification modes supported by the Internet of things equipment;

7. The method of claim 1, after sending the first payment request of the order to a payment server according to the information of the order, further comprising:

receiving payment code information sent by the payment server;

8. The method of claim 4, the identity verification information comprising: biometric information;

9. The method of claim 8, the collecting biometric information of the first user to be registered, comprising:

10. The method of claim 4, before sending the first payment request of the order to the payment server according to the information of the order, further comprising:

alternatively, the first and second electrodes may be,

11. The method of claim 10, the registration success information comprising: the server side is a public key distributed to the Internet of things equipment;

12. A payment method is applied to a payment server and comprises the following steps:

13. The method of claim 12, the internet of things device being bound to the same account as the first user's terminal device;

14. The method of claim 12, further comprising:

15. The method of claim 14, the first payment request further comprising: the verification identification of a plurality of identity verification modes supported by the Internet of things equipment;

16. The method of claim 14, the identity verification information comprising: voice print data corresponding to the voice purchasing instruction of the first user to the target product;

17. The method of claim 14, the identity verification information comprising: biometric information;

the verifying the identity verification information comprises:

18. The method of claim 17, further comprising:

19. The method of claim 14, prior to receiving the first payment request sent by the internet of things device, further comprising:

alternatively, the first and second electrodes may be,

20. The method of claim 19, after receiving the device registration request sent by the internet of things device, further comprising:

distributing a key pair for the Internet of things equipment;

21. A payment device is applied to Internet of things equipment and comprises:

22. The apparatus of claim 21, the apparatus further comprising: a binding module;

the binding module receives binding confirmation information that the Internet of things equipment is bound with the account of the first user before the sending module sends a purchase request to a background server of the target product; and the number of the first and second groups,

23. The apparatus of claim 22, wherein the first and second electrodes are disposed on opposite sides of the substrate,

the sending module is used for determining whether the Internet of things equipment has a binding relationship with an account of a first user;

24. A payment device is applied to a payment server and comprises:

25. The apparatus of claim 24, the internet of things device being bound to the same account as the first user's terminal device; the device further comprises: a storage module;

the receiving module is used for receiving account information and the identification information of the account sent by the client before receiving a first payment request sent by the Internet of things equipment; the client is a client corresponding to the account in the terminal equipment;

the determining module is used for determining whether the associated binding record information is inquired according to the identification information; if yes, determining whether the Internet of things equipment has a binding relationship with the account of the first user.

26. A payment device, comprising:

a processor; and the number of the first and second groups,

27. A payment device, comprising:

a processor; and the number of the first and second groups,

28. A storage medium storing computer-executable instructions that when executed implement the following:

29. A storage medium storing computer-executable instructions that when executed implement the following: