WO2016173082A1 - Payment processing method and device - Google Patents
Payment processing method and device Download PDFInfo
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- WO2016173082A1 WO2016173082A1 PCT/CN2015/080512 CN2015080512W WO2016173082A1 WO 2016173082 A1 WO2016173082 A1 WO 2016173082A1 CN 2015080512 W CN2015080512 W CN 2015080512W WO 2016173082 A1 WO2016173082 A1 WO 2016173082A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
Definitions
- the receiving, by the first terminal, the payee information pushed by the server according to the verification information comprises: receiving, by the first terminal, the server according to the verification within a first predetermined time The payee information pushed by the information.
- the first receiving module includes: the first terminal receiving the payee information pushed by the server according to the verification information within a first predetermined time.
- the first terminal is used to send the verification information to the server; the first terminal broadcasts the verification information by using Bluetooth; the first terminal receives the payee information pushed by the server according to the verification information.
- the payee information is sent to the server by the second terminal that receives the verification information by using the Bluetooth; the first terminal performs payment processing according to the payee information, and solves the related art. There is a problem that the payment cannot be made safely and conveniently, and the payment effect is safe and convenient.
- FIG. 6 is a structural block diagram of a second type of payment processing apparatus according to an embodiment of the present invention.
- FIG. 6 is a structural block diagram of a second type of payment processing apparatus according to an embodiment of the present invention.
- the apparatus may be applied to a second terminal, and the second terminal may be a payee terminal.
- the apparatus includes a second The receiving module 62 and the transmitting module 64 are described below.
- terminal A After terminal A (same terminal as above) enters the payment interface, terminal A automatically generates random transaction verification information and sends it to the server, and terminal A automatically broadcasts the transaction verification information through low-power Bluetooth.
- terminal B After receiving the payment interface, the terminal B (same terminal as the second terminal) receives the transaction verification information through Bluetooth. And the terminal A that sends the transaction verification information is automatically calculated by the Bluetooth signal strength value, and when the terminal B determines that the accumulated close time with the terminal A exceeds a predetermined value, the transaction verification information is immediately sent to the server.
- FIG. 10 is a flowchart of operations in the terminal A according to an embodiment of the present invention.
- FIG. 11 is a flowchart of operations in the terminal B according to an embodiment of the present invention.
- FIG. 10 includes the following steps:
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Abstract
The present invention provides a payment processing method and device. The method comprises: a first terminal sends verification information to a server; the first terminal broadcasts the verification information by utilizing Bluetooth; the first terminal receives payee information pushed by the server according to the verification information, wherein the payee information is sent to the server by a second terminal which receives the verification information by utilizing Bluetooth; and the first terminal makes payment processing according to the payee information. The present invention solves the problem of failure in safe, convenient and fast payment in the related art, thereby achieving the effect of safe, convenient and fast payment.
Description
本发明涉及通信领域，具体而言，涉及一种付款处理方法及装置。The present invention relates to the field of communications, and in particular to a payment processing method and apparatus.
随着科技的发展，网上支付、转账等在线交易给人民的生活带来了很多便利。人们在享受科技带来的优势的同时，也要考虑到账户安全的问题。With the development of technology, online transactions such as online payment and transfer have brought a lot of convenience to people's lives. While people enjoy the advantages brought by technology, they must also consider the issue of account security.
为了保障资金安全，付款时必须验证密码成为所有理财产品的默认规则。但记忆复杂的密码以及每次支付时必须手动输入密码会让一次愉快的支付过程变得不那么有趣。为此，支付宝等理财产品在面对面付款环节做了一些诸如声波支付和扫码支付等创新，但声波支付和扫码支付各有其缺陷。声波支付易受周围环境噪声干扰。扫码支付需要开启摄像头对准条码再对焦识别，比较繁琐。在保证安全的基础上让用户轻松愉快的享受一键付款的带给我们的乐趣，成为需要从事快捷支付的研究者渴望达到的理想状态。但是在相关技术还无法实现更为安全便捷的付款方式。In order to protect the security of funds, the password must be verified as the default rule for all wealth management products. But remembering complex passwords and having to manually enter them each time you make a happy payment process can be less interesting. To this end, Alipay and other wealth management products have made some innovations such as sonic payment and scan code payment in the face-to-face payment, but the sonic payment and scan code payment have their own defects. Acoustic payment is susceptible to noise from the surrounding environment. Scan code payment needs to turn on the camera to align the barcode and focus recognition, which is cumbersome. On the basis of ensuring safety, it is easy for users to enjoy the one-click payment, which is the ideal state that researchers who need to engage in fast payment are eager to achieve. However, the related technology has not been able to achieve a safer and more convenient payment method.
针对相关技术中存在的无法安全便捷的进行付款的问题，目前尚未提出有效的解决方案。An effective solution has not been proposed for the problem of payment in a related art that cannot be safely and conveniently.
发明内容Summary of the invention
本发明提供了一种付款处理方法及装置，以至少解决相关技术中存在的无法安全便捷的进行付款的问题。The present invention provides a payment processing method and apparatus to solve at least the problem that the payment cannot be performed safely and conveniently in the related art.
根据本发明的一个方面，提供了一种付款处理方法，包括：第一终端将验证信息发送给服务器；所述第一终端利用蓝牙广播所述验证信息；所述第一终端接收所述服务器根据所述验证信息推送的收款人信息，其中，所述收款人信息为利用蓝牙接收到所述验证信息的第二终端发送给所述服务器的；所述第一终端根据所述收款人信息进行付款处理。According to an aspect of the present invention, a payment processing method is provided, comprising: a first terminal transmitting authentication information to a server; the first terminal broadcasting the verification information by using Bluetooth; the first terminal receiving the server according to the server The payee information that is verified by the verification information, wherein the payee information is sent to the server by a second terminal that receives the verification information by using Bluetooth; the first terminal is according to the payee Information is processed for payment.
在本发明实施例中，所述第一终端接收所述服务器根据所述验证信息推送的所述收款人信息包括：所述第一终端在第一预定时间内接收所述服务器根据所述验证信息推送的所述收款人信息。
In the embodiment of the present invention, the receiving, by the first terminal, the payee information pushed by the server according to the verification information comprises: receiving, by the first terminal, the server according to the verification within a first predetermined time The payee information pushed by the information.
在本发明实施例中，所述第一终端根据所述收款人信息进行付款处理包括：所述第一终端在确定所述收款人信息正确后，在第二预定时间内通知所述服务器执行付款交易。In the embodiment of the present invention, the first terminal performing payment processing according to the payee information includes: the first terminal notifying the server within a second predetermined time after determining that the payee information is correct Perform a payment transaction.
根据本发明的另一方面，提供了一种付款处理方法，包括：第二终端利用蓝牙接收第一终端广播的验证信息；所述第二终端将所述验证信息和收款人信息发送给服务器，其中，所述验证信息用于所述服务器将所述收款人信息发送给所述第一终端，所述收款人信息用于所述第一终端进行付款处理。According to another aspect of the present invention, a payment processing method is provided, comprising: receiving, by a second terminal, authentication information broadcast by a first terminal by using Bluetooth; the second terminal transmitting the verification information and payee information to a server The verification information is used by the server to send the payee information to the first terminal, and the payee information is used by the first terminal to perform payment processing.
在本发明实施例中，所述第二终端将所述验证信息和所述收款人信息发送给所述服务器包括：所述第二终端确定与所述第一终端的贴近时间，其中，所述贴近时间为所述第二终端与所述第一终端之间的距离小于第一预定阈值的持续时间；当确定所述贴近时间大于或等于第二预定阈值时，所述第二终端将所述验证信息和所述收款人信息发送给所述服务器。In the embodiment of the present invention, the sending, by the second terminal, the verification information and the payee information to the server includes: determining, by the second terminal, a close time with the first terminal, where Determining the near time is a duration in which the distance between the second terminal and the first terminal is less than a first predetermined threshold; when determining that the close time is greater than or equal to a second predetermined threshold, the second terminal The verification information and the payee information are sent to the server.
根据本发明的另一方面，提供了一种付款处理方法，包括：服务器接收第一终端发送的验证信息；所述服务器接收第二终端发送的验证信息和收款人信息，其中，所述第二终端发送的验证信息和收款人信息为所述第二终端在利用蓝牙接收到所述第一终端广播的验证信息后，发送给所述服务器的，所述第一终端通过蓝牙广播所述验证信息；所述服务器根据所述第一终端发送的验证信息和所述第二终端发送的验证信息，将所述收款人信息推送给所述第一终端，其中，所述收款人信息用于所述第一终端进行付款处理。According to another aspect of the present invention, a payment processing method is provided, including: a server receiving verification information sent by a first terminal; the server receiving verification information and payee information sent by a second terminal, wherein the The verification information and the payee information sent by the second terminal are sent by the second terminal to the server after receiving the verification information broadcast by the first terminal by using the Bluetooth, and the first terminal broadcasts the message by Bluetooth. Verifying the information; the server pushes the payee information to the first terminal according to the verification information sent by the first terminal and the verification information sent by the second terminal, where the payee information Used for the first terminal to perform payment processing.
在本发明实施例中，所述服务器根据所述第一终端发送的验证信息和所述第二终端发送的验证信息，将所述收款人信息推送给所述第一终端包括：所述服务器判断所述第一终端发送的验证信息和所述第二终端发送的验证信息是否一致；在判断结果为一致的情况下，所述服务器将所述收款人信息推送给所述第一终端。In the embodiment of the present invention, the server, according to the verification information sent by the first terminal and the verification information sent by the second terminal, pushing the payee information to the first terminal, includes: the server Determining whether the verification information sent by the first terminal and the verification information sent by the second terminal are consistent; if the determination result is consistent, the server pushes the payee information to the first terminal.
根据本发明的另一方面，提供了一种付款处理装置，所述装置应用于第一终端中，包括：发送模块，设置为将验证信息发送给服务器；广播模块，设置为利用蓝牙广播所述验证信息；第一接收模块，设置为接收所述服务器根据所述验证信息推送的收款人信息，其中，所述收款人信息为利用蓝牙接收到所述验证信息的第二终端发送给所述服务器的；处理模块，设置为根据所述收款人信息进行付款处理。According to another aspect of the present invention, there is provided a payment processing apparatus, the apparatus being applied to a first terminal, comprising: a transmitting module configured to transmit verification information to a server; and a broadcast module configured to broadcast by Bluetooth The first receiving module is configured to receive the payee information pushed by the server according to the verification information, where the payee information is sent to the second terminal that receives the verification information by using the Bluetooth The processing module of the server is configured to perform payment processing according to the payee information.
在本发明实施例中，所述第一接收模块包括：所述第一终端在第一预定时间内接收所述服务器根据所述验证信息推送的所述收款人信息。
In the embodiment of the present invention, the first receiving module includes: the first terminal receiving the payee information pushed by the server according to the verification information within a first predetermined time.
在本发明实施例中，所述处理模块包括：通知单元，设置为在确定所述收款人信息正确后，在第二预定时间内通知所述服务器执行付款交易。In an embodiment of the present invention, the processing module includes: a notification unit, configured to notify the server to perform a payment transaction within a second predetermined time after determining that the payee information is correct.
根据本发明的另一方面，提供了一种付款处理装置，所述装置应用于第二终端中，包括：第二接收模块，设置为利用蓝牙接收第一终端广播的验证信息；发送模块，设置为将所述验证信息和收款人信息发送给服务器，其中，所述验证信息用于所述服务器将所述收款人信息发送给所述第一终端，所述收款人信息用于所述第一终端进行付款处理。According to another aspect of the present invention, a payment processing apparatus is provided, the apparatus being applied to a second terminal, comprising: a second receiving module configured to receive, by using Bluetooth, authentication information broadcast by the first terminal; a sending module, setting Sending the verification information and the payee information to the server, wherein the verification information is used by the server to send the payee information to the first terminal, and the payee information is used by the server The first terminal performs payment processing.
在本发明实施例中，所述发送模块包括：确定单元，设置为确定与所述第一终端的贴近时间，其中，所述贴近时间为所述第二终端与所述第一终端之间的距离小于第一预定阈值的持续时间；发送单元，设置为当确定所述贴近时间大于或等于第二预定阈值时，将所述验证信息和所述收款人信息发送给所述服务器。In the embodiment of the present invention, the sending module includes: a determining unit, configured to determine a close time with the first terminal, where the close time is between the second terminal and the first terminal The distance is less than a duration of the first predetermined threshold; the transmitting unit is configured to transmit the verification information and the payee information to the server when it is determined that the close time is greater than or equal to a second predetermined threshold.
根据本发明的另一方面，提供了一种付款处理装置，所述装置应用于服务器中，包括：第三接收模块，设置为接收第一终端发送的验证信息；第四接收模块，设置为接收第二终端发送的验证信息和收款人信息，其中，所述第二终端发送的验证信息和收款人信息为所述第二终端在利用蓝牙接收到所述第一终端广播的验证信息后，发送给所述服务器的，所述第一终端通过蓝牙广播所述验证信息；推送模块，设置为根据所述第一终端发送的验证信息和所述第二终端发送的验证信息，将所述收款人信息推送给所述第一终端，其中，所述收款人信息用于所述第一终端进行付款处理。According to another aspect of the present invention, a payment processing apparatus is provided, the apparatus being applied to a server, comprising: a third receiving module configured to receive authentication information sent by the first terminal; and a fourth receiving module configured to receive The verification information and the payee information sent by the second terminal, where the verification information and the payee information sent by the second terminal are after the second terminal receives the verification information broadcast by the first terminal by using the Bluetooth Sending to the server, the first terminal broadcasts the verification information by using a Bluetooth; the pushing module is configured to: according to the verification information sent by the first terminal and the verification information sent by the second terminal, The payee information is pushed to the first terminal, wherein the payee information is used by the first terminal to perform payment processing.
在本发明实施例中，所述推送模块包括：判断单元，设置为判断所述第一终端发送的验证信息和所述第二终端发送的验证信息是否一致；推送单元，设置为在判断结果为一致的情况下，将所述收款人信息推送给所述第一终端。In the embodiment of the present invention, the pushing module includes: a determining unit, configured to determine whether the verification information sent by the first terminal and the verification information sent by the second terminal are consistent; the pushing unit is set to be In the case of agreement, the payee information is pushed to the first terminal.
通过本发明实施例，采用第一终端将验证信息发送给服务器；所述第一终端利用蓝牙广播所述验证信息；所述第一终端接收所述服务器根据所述验证信息推送的收款人信息，其中，所述收款人信息为利用蓝牙接收到所述验证信息的第二终端发送给所述服务器的；所述第一终端根据所述收款人信息进行付款处理，解决了相关技术中存在的无法安全便捷的进行付款的问题，进而达到了安全便捷的进行付款的效果。According to the embodiment of the present invention, the first terminal is used to send the verification information to the server; the first terminal broadcasts the verification information by using Bluetooth; the first terminal receives the payee information pushed by the server according to the verification information. The payee information is sent to the server by the second terminal that receives the verification information by using the Bluetooth; the first terminal performs payment processing according to the payee information, and solves the related art. There is a problem that the payment cannot be made safely and conveniently, and the payment effect is safe and convenient.
此处所说明的附图用来提供对本发明实施例的进一步理解，构成本申请的一部分，本发明的示意性实施例及其说明用于解释本发明，并不构成对本发明的不当限定。在附图中：
The drawings are intended to provide a further understanding of the embodiments of the present invention, and are intended to be a part of the present invention, and the description of the present invention is not intended to limit the invention. In the drawing:
图1是根据本发明实施例的第一种付款处理方法的流程图；1 is a flow chart of a first payment processing method according to an embodiment of the present invention;
图2是根据本发明实施例的第二种付款处理方法的流程图；2 is a flow chart of a second payment processing method according to an embodiment of the present invention;
图3是根据本发明实施例的第三种付款处理方法的流程图；3 is a flow chart of a third payment processing method according to an embodiment of the present invention;
图4是根据本发明实施例的第一种付款处理装置的结构框图；4 is a block diagram showing the structure of a first payment processing apparatus according to an embodiment of the present invention;
图5是根据本发明实施例的第一种付款处理装置中处理模块48的结构框图；FIG. 5 is a structural block diagram of a processing module 48 in a first type of payment processing apparatus according to an embodiment of the present invention; FIG.
图6是根据本发明实施例的第二种付款处理装置的结构框图；6 is a structural block diagram of a second type of payment processing apparatus according to an embodiment of the present invention;
图7是根据本发明实施例的第二种付款处理装置中发送模块64的结构框图；FIG. 7 is a structural block diagram of a transmitting module 64 in a second type of payment processing apparatus according to an embodiment of the present invention;
图8是根据本发明实施例的第三种付款处理装置的结构框图；FIG. 8 is a structural block diagram of a third payment processing apparatus according to an embodiment of the present invention; FIG.
图9是根据本发明实施例的第三种付款处理装置中推送模块86的结构框图；9 is a block diagram showing the structure of a push module 86 in a third type of payment processing apparatus according to an embodiment of the present invention;
图10是根据本发明实施例的终端A中的操作流程图；FIG. 10 is a flowchart of operations in terminal A according to an embodiment of the present invention; FIG.
图11是根据本发明实施例的终端B中的操作流程图。FIG. 11 is a flowchart of operations in terminal B according to an embodiment of the present invention.
下文中将参考附图并结合实施例来详细说明本发明。需要说明的是，在不冲突的情况下，本申请中的实施例及实施例中的特征可以相互组合。The invention will be described in detail below with reference to the drawings in conjunction with the embodiments. It should be noted that the embodiments in the present application and the features in the embodiments may be combined with each other without conflict.
需要说明的是，本发明实施例的说明书和权利要求书及上述附图中的术语“第一”、“第二”等是用于区别类似的对象，而不必用于描述特定的顺序或先后次序。It should be noted that the terms "first", "second" and the like in the specification and claims of the embodiments of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. order.
在本实施例中提供了一种付款处理方法，图1是根据本发明实施例的第一种付款处理方法的流程图，如图1所示，该流程包括如下步骤：In the embodiment, a payment processing method is provided. FIG. 1 is a flowchart of a first payment processing method according to an embodiment of the present invention. As shown in FIG. 1, the flow includes the following steps:
步骤S102，第一终端将验证信息发送给服务器；Step S102, the first terminal sends the verification information to the server.
步骤S104，该第一终端利用蓝牙广播上述验证信息；Step S104, the first terminal broadcasts the verification information by using Bluetooth;
步骤S106，该第一终端接收服务器根据验证信息推送的收款人信息，其中，该收款人信息为利用蓝牙接收到上述验证信息的第二终端发送给服务器的；Step S106, the first terminal receives the payee information pushed by the server according to the verification information, where the payee information is sent to the server by the second terminal that receives the verification information by using the Bluetooth;
步骤S108，该第一终端根据上述收款人信息进行付款处理。
Step S108, the first terminal performs payment processing according to the above payee information.
其中，第一终端将验证消息发送给服务器和第一终端利用蓝牙广播验证信息的先后顺序不限，可以先执行前者，再执行后者，或者先执行后者，再执行前者，或者两个同时执行。图1中以先执行将验证信息发送给服务器在执行利用蓝牙广播上述验证信息为例进行的说明。通过上述步骤，付款方终端将验证信息通过蓝牙的方式广播给收款方终端，从而使得收款方终端根据接收的验证信息反馈收款人信息，并且，通过蓝牙传输验证信息的方式能够保证预定距离内的终端之间进行通信，提高了付款的安全系数，上述验证信息可以是随机产生的序列或随机产生的其他信息，从而降低了被破解的风险，同时，上述操作也省去了输入验证码输入各种密码的步骤，实现了快捷支付，解决了相关技术中存在的无法安全便捷的进行付款的问题，进而达到了安全便捷的进行付款的效果。The first terminal sends the verification message to the server and the first terminal uses the Bluetooth broadcast verification information in the order of the first, and may execute the former first, then execute the latter, or execute the latter first, and then execute the former, or both simultaneously. carried out. In FIG. 1, the description is made by first transmitting the verification information to the server and performing the above-mentioned verification information by Bluetooth. Through the above steps, the paying party terminal broadcasts the verification information to the payee terminal through Bluetooth, so that the payee terminal feeds back the payee information according to the received verification information, and the manner of transmitting the verification information through Bluetooth can ensure the reservation. The communication between the terminals in the distance improves the security factor of the payment, and the above verification information may be a randomly generated sequence or other information randomly generated, thereby reducing the risk of being cracked, and the above operation also saves the input verification. The step of inputting various passwords into the code realizes quick payment, solves the problem that the payment cannot be safely and conveniently carried out in the related art, and thus achieves the effect of safe and convenient payment.
在一个可选的实施例中，上述第一终端接收服务器根据验证信息推送的收款人信息包括：第一终端在第一预定时间内接收服务器根据验证信息推送的收款人信息。也就是说，如果第一终端在第一预定时间之内没有收到收款人信息，说明预先发送的验证信息已失效，此时，需要再次发送一个随机的验证信息。通过设置有效期的方式，能够进一步提高付款的安全性。In an optional embodiment, the first terminal receiving the payee information pushed by the server according to the verification information comprises: the first terminal receiving the payee information pushed by the server according to the verification information within the first predetermined time. That is to say, if the first terminal does not receive the payee information within the first predetermined time, it indicates that the pre-sent verification information has expired, and at this time, a random verification information needs to be sent again. By setting the expiration date, you can further increase the security of your payment.
在一个可选的实施例中，上述第一终端根据收款人信息进行付款处理包括：第一终端在确定收款人信息正确后，在第二预定时间内通知服务器执行付款交易。由此可知，在通知服务器执行付款交易的操作中也会设置一个有效期，超过预定时间则操作失效，需要重新去获取收款人信息，同样，有效地提高了付款的安全性。In an optional embodiment, the performing, by the first terminal, the payment processing according to the payee information comprises: after determining that the payee information is correct, the first terminal notifying the server to perform the payment transaction within the second predetermined time. It can be seen that an effective period is also set in the operation of notifying the server to execute the payment transaction. If the operation exceeds the predetermined time, the operation is invalid, and the payee information needs to be retrieved again, and the security of the payment is effectively improved.
图2是根据本发明实施例的第二种付款处理方法的流程图，如图2所示，该流程包括如下步骤：2 is a flowchart of a second payment processing method according to an embodiment of the present invention. As shown in FIG. 2, the process includes the following steps:
步骤S202，第二终端利用蓝牙接收第一终端广播的验证信息；Step S202, the second terminal receives the verification information broadcast by the first terminal by using Bluetooth;
步骤S204，该第二终端将上述验证信息和收款人信息发送给服务器，其中，给验证信息用于服务器将收款人信息发送给第一终端，该收款人信息用于第一终端进行付款处理。Step S204: The second terminal sends the verification information and the payee information to the server, where the verification information is used by the server to send the payee information to the first terminal, where the payee information is used by the first terminal. Payment processing.
通过上述步骤，第二终端通过蓝牙接收验证信息，也就是说，第一终端和第二终端之间通过蓝牙进行通信，而采用蓝牙通信实现了预定距离内的终端之间的通信，提高了通信的安全性，进一步提高了付款的安全性。从而有效解决相关技术中存在的无法安全便捷的进行付款的问题，进而达到了安全便捷的进行付款的效果。
Through the above steps, the second terminal receives the verification information through Bluetooth, that is, the first terminal and the second terminal communicate through Bluetooth, and the communication between the terminals within the predetermined distance is realized by using Bluetooth communication, thereby improving communication. The security of the payment further increases the security of the payment. Therefore, the problem of unsatisfactory and convenient payment in the related art can be effectively solved, thereby achieving the effect of safe and convenient payment.
在一个可选的实施例中，上述第二终端将验证信息和收款人信息发送给服务器包括：第二终端确定与第一终端的贴近时间，其中，该贴近时间为第二终端与第一终端之间的距离小于第一预定阈值的持续时间；当确定给贴近时间大于或等于第二预定阈值时，第二终端将上述验证信息和收款人信息发送给服务器。由此可知，只有当第一终端和第二终端的距离小于预定阈值，且两个终端之间保持该距离超过一个预定的时间之后，付款方终端才会将付款人信息发送给服务器，有效提高了付款的安全性。In an optional embodiment, the sending, by the second terminal, the verification information and the payee information to the server includes: determining, by the second terminal, a close time with the first terminal, where the close time is the second terminal and the first The distance between the terminals is less than the duration of the first predetermined threshold; when it is determined that the proximity time is greater than or equal to the second predetermined threshold, the second terminal sends the verification information and the payee information to the server. Therefore, it can be known that only when the distance between the first terminal and the second terminal is less than a predetermined threshold, and the distance between the two terminals is maintained for more than a predetermined time, the payer terminal sends the payer information to the server, effectively improving. The security of the payment.
图3是根据本发明实施例的第三种付款处理方法的流程图，如图3所示，该流程包括如下步骤：FIG. 3 is a flowchart of a third payment processing method according to an embodiment of the present invention. As shown in FIG. 3, the process includes the following steps:
步骤S302，服务器接收第一终端发送的验证信息；Step S302, the server receives the verification information sent by the first terminal.
步骤S304，该服务器接收第二终端发送的验证信息和收款人信息，其中，该第二终端发送的验证信息和收款人信息为第二终端在利用蓝牙接收到第一终端广播的验证信息后，发送给服务器的，该第一终端通过蓝牙广播验证信息；Step S304, the server receives the verification information and the payee information sent by the second terminal, where the verification information and the payee information sent by the second terminal are the second terminal receiving the verification information broadcast by the first terminal by using the Bluetooth. After being sent to the server, the first terminal broadcasts the verification information through Bluetooth;
步骤S306，该服务器根据第一终端发送的验证信息和第二终端发送的验证信息，将收款人信息推送给第一终端，其中，该收款人信息用于第一终端进行付款处理。Step S306: The server pushes the payee information to the first terminal according to the verification information sent by the first terminal and the verification information sent by the second terminal, where the payee information is used by the first terminal to perform payment processing.
通过上述步骤，付款方终端将验证信息通过蓝牙的方式广播给收款方终端，从而使得收款方终端根据接收的验证信息反馈收款人信息，并且，通过蓝牙传输验证信息的方式能够保证预定距离内的终端之间进行通信，提高了付款的安全系数，上述验证信息可以是随机产生的序列或随机产生的其他信息，从而降低了被破解的风险，同时，上述操作也省去了输入验证码输入各种密码的步骤，实现了快捷支付，解决了相关技术中存在的无法安全便捷的进行付款的问题，进而达到了安全便捷的进行付款的效果。Through the above steps, the paying party terminal broadcasts the verification information to the payee terminal through Bluetooth, so that the payee terminal feeds back the payee information according to the received verification information, and the manner of transmitting the verification information through Bluetooth can ensure the reservation. The communication between the terminals in the distance improves the security factor of the payment, and the above verification information may be a randomly generated sequence or other information randomly generated, thereby reducing the risk of being cracked, and the above operation also saves the input verification. The step of inputting various passwords into the code realizes quick payment, solves the problem that the payment cannot be safely and conveniently carried out in the related art, and thus achieves the effect of safe and convenient payment.
在一个可选的实施例中，上述服务器根据第一终端发送的验证信息和第二终端发送的验证信息，将收款人信息推送给第一终端包括：该服务器判断第一终端发送的验证信息和第二终端发送的验证信息是否一致；在判断结果为一致的情况下，该服务器将收款人信息推送给第一终端。In an optional embodiment, the server sends the payee information to the first terminal according to the verification information sent by the first terminal and the verification information sent by the second terminal, where the server determines the verification information sent by the first terminal. Whether the verification information sent by the second terminal is consistent; if the judgment result is consistent, the server pushes the payee information to the first terminal.
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到根据上述实施例的方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明实施例的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得
一台终端设备(可以是手机，计算机，服务器，或者网络设备等)执行本发明各个实施例的方法。Through the description of the above embodiments, those skilled in the art can clearly understand that the method according to the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course, by hardware, but in many cases, the former is A better implementation. Based on such understanding, the technical solution of the embodiments of the present invention may be embodied in the form of a software product in essence or in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic). Disc, disc), including a number of instructions to make
A terminal device (which may be a cell phone, a computer, a server, or a network device, etc.) performs the methods of various embodiments of the present invention.
在本实施例中还提供了一种付款处理装置，该装置用于实现上述实施例及优选实施方式，已经进行过说明的不再赘述。如以下所使用的，术语“模块”可以实现预定功能的软件和/或硬件的组合。尽管以下实施例所描述的装置较佳地以软件来实现，但是硬件，或者软件和硬件的组合的实现也是可能并被构想的。In the embodiment, a payment processing device is also provided, which is used to implement the above-mentioned embodiments and preferred embodiments, and will not be described again. As used below, the term "module" may implement a combination of software and/or hardware of a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, hardware, or a combination of software and hardware, is also possible and contemplated.
图4是根据本发明实施例的第一种付款处理装置的结构框图，该装置可以应用于第一终端中，该第一终端可以是付款方终端，如图4所示，该装置包括发送模块42、广播模块44、第一接收模块46和处理模块48，其中，发送模块42和广播模块44的位置关系可以为多种，图4仅为一种方式。下面对该装置进行说明。4 is a structural block diagram of a first type of payment processing apparatus according to an embodiment of the present invention. The apparatus may be applied to a first terminal, which may be a payer terminal. As shown in FIG. 4, the apparatus includes a sending module. 42. The broadcast module 44, the first receiving module 46, and the processing module 48, wherein the positional relationship between the sending module 42 and the broadcast module 44 can be various, and FIG. 4 is only one way. The device will be described below.
发送模块42，设置为将验证信息发送给服务器；广播模块44，连接至上述发送模块42，设置为利用蓝牙广播验证信息；第一接收模块46，连接至上述广播模块44，设置为接收服务器根据验证信息推送的收款人信息，其中，给收款人信息为利用蓝牙接收到验证信息的第二终端发送给服务器的；处理模块48，连接至上述第一接收模块46，设置为根据收款人信息进行付款处理。The sending module 42 is configured to send the verification information to the server; the broadcast module 44 is connected to the sending module 42 and configured to use the Bluetooth broadcast authentication information; the first receiving module 46 is connected to the broadcast module 44, and is configured to receive the server according to The payee information of the verification information is sent, wherein the payee information is sent to the server by the second terminal that receives the verification information by using the Bluetooth; the processing module 48 is connected to the first receiving module 46, and is set to receive the payment according to the The person information is processed for payment.
在一个可选的实施例中，上述第一接收模块46包括：第一终端在第一预定时间内接收服务器根据验证信息推送的收款人信息。In an optional embodiment, the first receiving module 46 includes: the first terminal receiving, by the first terminal, the payee information pushed by the server according to the verification information.
图5是根据本发明实施例的第一种付款处理装置中处理模块48的结构框图，如图5所示，该处理模块48包括通知单元52，下面对该处理模块48进行说明。FIG. 5 is a structural block diagram of a processing module 48 in a first type of payment processing apparatus according to an embodiment of the present invention. As shown in FIG. 5, the processing module 48 includes a notification unit 52, which is described below.
通知单元52，设置为在确定收款人信息正确后，在第二预定时间内通知服务器执行付款交易。The notification unit 52 is configured to notify the server to perform the payment transaction within the second predetermined time after determining that the payee information is correct.
图6是根据本发明实施例的第二种付款处理装置的结构框图，该装置可以应用于第二终端，该第二终端可以是收款方终端，如图6所示，该装置包括第二接收模块62、发送模块64，下面对该装置进行说明。6 is a structural block diagram of a second type of payment processing apparatus according to an embodiment of the present invention. The apparatus may be applied to a second terminal, and the second terminal may be a payee terminal. As shown in FIG. 6, the apparatus includes a second The receiving module 62 and the transmitting module 64 are described below.
第二接收模块62，设置为利用蓝牙接收第一终端广播的验证信息；发送模块64，连接至上述第二接收模块62，设置为将验证信息和收款人信息发送给服务器，其中，该验证信息用于服务器将收款人信息发送给第一终端，该收款人信息用于第一终端进行付款处理。
The second receiving module 62 is configured to receive the verification information broadcast by the first terminal by using the Bluetooth; the sending module 64 is connected to the second receiving module 62, and configured to send the verification information and the payee information to the server, where the verification The information is used by the server to send the payee information to the first terminal, and the payee information is used by the first terminal to perform payment processing.
图7是根据本发明实施例的第二种付款处理装置中发送模块64的结构框图，如图7所示，该发送模块64包括确定单元72和发送单元74，下面对该发送模块64进行说明。FIG. 7 is a structural block diagram of a transmitting module 64 in a second type of payment processing apparatus according to an embodiment of the present invention. As shown in FIG. 7, the transmitting module 64 includes a determining unit 72 and a transmitting unit 74, and the sending module 64 is performed below. Description.
确定单元72，设置为确定与第一终端的贴近时间，其中，该贴近时间为第二终端与第一终端之间的距离小于第一预定阈值的持续时间；发送单元74，连接至上述确定单元72，设置为当确定上述贴近时间大于或等于第二预定阈值时，将上述验证信息和收款人信息发送给服务器。The determining unit 72 is configured to determine a close time with the first terminal, wherein the close time is a duration in which a distance between the second terminal and the first terminal is less than a first predetermined threshold; and the sending unit 74 is connected to the determining unit 72. Set to send the verification information and the payee information to the server when determining that the closeness time is greater than or equal to a second predetermined threshold.
图8是根据本发明实施例的第三种付款处理装置的结构框图，该装置可以应用于服务器中，如图8所示，该装置包括第三接收模块82、第四接收模块84和推送模块86，下面对该装置进行说明。FIG. 8 is a structural block diagram of a third payment processing apparatus according to an embodiment of the present invention. The apparatus may be applied to a server. As shown in FIG. 8, the apparatus includes a third receiving module 82, a fourth receiving module 84, and a pushing module. 86. The device will be described below.
第三接收模块82，设置为接收第一终端发送的验证信息；第四接收模块84，连接至上述第三接收模块82，设置为接收第二终端发送的验证信息和收款人信息，其中，该第二终端发送的验证信息和收款人信息为第二终端在利用蓝牙接收到第一终端广播的验证信息后，发送给服务器的，第一终端通过蓝牙广播验证信息；推送模块86，连接至上述第四接收模块84，设置为根据第一终端发送的验证信息和第二终端发送的验证信息，将收款人信息推送给第一终端，其中，该收款人信息用于第一终端进行付款处理。The third receiving module 82 is configured to receive the verification information sent by the first terminal, and the fourth receiving module 84 is connected to the third receiving module 82, and is configured to receive the verification information and the payee information sent by the second terminal, where The verification information and the payee information sent by the second terminal are sent by the second terminal to the server after receiving the verification information broadcast by the first terminal by using the Bluetooth, and the first terminal is authenticated by the Bluetooth broadcast; the push module 86 is connected. The fourth receiving module 84 is configured to push the payee information to the first terminal according to the verification information sent by the first terminal and the verification information sent by the second terminal, where the payee information is used for the first terminal Make payment processing.
图9是根据本发明实施例的第三种付款处理装置中推送模块86的结构框图，如图9所示，该推送模块86包括判断单元92和推送单元94，下面对该推送模块86进行说明。FIG. 9 is a structural block diagram of a push module 86 in a third type of payment processing apparatus according to an embodiment of the present invention. As shown in FIG. 9, the push module 86 includes a judging unit 92 and a push unit 94, and the push module 86 is performed below. Description.
判断单元92，设置为判断第一终端发送的验证信息和第二终端发送的验证信息是否一致；推送单元94，连接至上述判断单元92，设置为在判断结果为一致的情况下，将收款人信息推送给第一终端。The determining unit 92 is configured to determine whether the verification information sent by the first terminal and the verification information sent by the second terminal are consistent; the pushing unit 94 is connected to the determining unit 92, and is configured to collect the payment if the determination result is consistent. The person information is pushed to the first terminal.
下面以上述蓝牙为低功耗蓝牙进行举例说明：The following is an example of Bluetooth as low-power Bluetooth:
本实施例中提供了一种用于实现移动终端面对面付款的方法，尤其涉及一种利用低功耗蓝牙传递交易验证信息的技术实现移动终端面对面付款的方法。In this embodiment, a method for implementing face-to-face payment of a mobile terminal is provided, and in particular, a method for implementing face-to-face payment of a mobile terminal by using a technology for transmitting transaction verification information by using low-power Bluetooth.
终端A(同上述的第一终端)进入付款界面后，终端A自动生成随机的交易验证信息并将其发送到服务器端，同时终端A自动通过低功耗蓝牙将该交易验证信息广播出去。终端B(同上述的第二终端)进入收款界面后通过蓝牙接收到该交易验证信息，
并通过蓝牙信号强度值自动计算发送该交易验证信息的终端A其与累积贴近的时间，当终端B判断其与终端A的累计贴近时间超过预定值时，则立即将该交易验证信息发送到服务器端，服务器端自动检测是否存在该交易验证信息，当检测存在后则将收款人信息推送给终端A，终端A将服务器推送的收款人信息展示在付款界面，当终端A监听到用户确认无误后点击一键付款按钮后则通知服务器执行付款交易。After terminal A (same terminal as above) enters the payment interface, terminal A automatically generates random transaction verification information and sends it to the server, and terminal A automatically broadcasts the transaction verification information through low-power Bluetooth. After receiving the payment interface, the terminal B (same terminal as the second terminal) receives the transaction verification information through Bluetooth.
And the terminal A that sends the transaction verification information is automatically calculated by the Bluetooth signal strength value, and when the terminal B determines that the accumulated close time with the terminal A exceeds a predetermined value, the transaction verification information is immediately sent to the server. End, the server automatically detects whether the transaction verification information exists, and when the detection exists, pushes the payee information to the terminal A, and the terminal A displays the payee information pushed by the server on the payment interface, and when the terminal A listens to the user confirmation After clicking the one-click payment button, the server is notified to execute the payment transaction.
例如，用户a借了用户b总共10万元现金。某日用户a约用户b见面后准备还钱。用户a在其支付应用中输入付款金额10万元并点击下一步进入到付款界面，并将手机贴近用户b的手机。与此同时用户b在其支付应用中点击面对面收款按钮后进入到收款界面。数秒之后用户a的支付界面显示收款人的头像、账号为[email protected]、真实姓名为陈功国，并显示一键支付按钮。当用户a确认收款人确认无误并点击一键支付按钮后，用户a的支付应用自动提示付款成功，与此同时用户b的支付应用自动提示收款成功。For example, user a borrows user b for a total of 100,000 yuan in cash. On a certain day, the user a prepares to pay back the money after meeting the user b. User a enters the payment amount of 100,000 yuan in his payment application and clicks the next step to enter the payment interface, and the mobile phone is close to the user b's mobile phone. At the same time, user b clicks the face-to-face payment button in his payment application and enters the collection interface. After a few seconds, the user's payment interface displays the payee's avatar, the account number is [email protected], the real name is Chen Gongguo, and a one-click payment button is displayed. When the user a confirms that the payee confirms the error and clicks the one-click payment button, the payment application of the user a automatically prompts the payment to succeed, and at the same time, the payment application of the user b automatically prompts that the payment is successful.
下面结合附图对上述方案进行具体说明：The above scheme will be specifically described below with reference to the accompanying drawings:
当用户a准备给用户b转账一笔钱时，可以使用上述方案。其中，用户a和用户b的移动终端均带有低功耗蓝牙功能且均安装有支付应用，具体如图10、11所示，图10是根据本发明实施例的终端A中的操作流程图，图11是根据本发明实施例的终端B中的操作流程图，首先对图10进行说明，图10包括如下步骤：The above scheme can be used when the user a is ready to transfer a sum of money to the user b. The user terminals of the user a and the user b both have a low-power Bluetooth function and are installed with a payment application, as shown in FIG. 10 and FIG. 11, FIG. 10 is a flowchart of operations in the terminal A according to an embodiment of the present invention. FIG. 11 is a flowchart of operations in the terminal B according to an embodiment of the present invention. First, FIG. 10 is illustrated. FIG. 10 includes the following steps:
S1002，用户a使用支付应用输入付款金额点击下一步进入付款界面，与此同时用户a将其终端贴近用户b的终端。S1002, the user a uses the payment application to input the payment amount and clicks the next step to enter the payment interface, while the user a closes the terminal to the terminal of the user b.
S1004，终端A自动在后台生成一串随机的交易验证信息，记为M0。In S1004, terminal A automatically generates a string of random transaction verification information in the background, which is recorded as M0.
S1006，终端A自动通过后台网络将该交易验证信息M0发送到服务器端的交易池中，与此同时终端A自动开始倒计时。S1006, the terminal A automatically sends the transaction verification information M0 to the transaction pool of the server through the background network, and at the same time, the terminal A automatically starts counting down.
S1008，终端A自动将该交易验证信息通过低功耗蓝牙广播出去。S1008, terminal A automatically broadcasts the transaction verification information through Bluetooth low energy.
S1110，终端A自动监听在倒计时内服务器端是否有推送收款人，当监听到服务器端有推送收款人，则执行S1012流程，否则执行S1014流程。In S1110, terminal A automatically monitors whether there is a push payee on the server side in the countdown. When it is detected that the server has a push payee, the process proceeds to S1012, otherwise the process of S1014 is performed.
S1012，终端A将该收款人信息(包括收款人头像，账号，真实姓名等)显示在支付界面中并显示一键付款按钮，并自动监听在倒计时内用户是否按下了一键支付按钮，当终端A监听在倒计时内到用户a按下了一键支付按钮则自动执行S1016流程，否则执行S1018流程。
S1012: Terminal A displays the payee information (including the payee's avatar, account number, real name, etc.) in the payment interface and displays a one-click payment button, and automatically monitors whether the user presses the one-click payment button within the countdown When the terminal A monitors in the countdown to the user a presses the one-click payment button, the S1016 process is automatically executed, otherwise the process of S1018 is performed.
S1014，提示未发现收款人。S1014, prompting that no payee is found.
S1016，通知服务器执行付款交易并提示用户a和用户b付款成功。S1016, notifying the server to execute the payment transaction and prompting the user a and the user b to pay successfully.
S1018，提示用户a和用户b付款失败。S1018, prompting user a and user b to fail to pay.
下面对图11进行说明，如图11所示，该流程包括如下步骤：FIG. 11 is explained below. As shown in FIG. 11, the process includes the following steps:
S1102，用户b使用支付应用进入收款界面。S1102: User b uses the payment application to enter the collection interface.
S1104，终端B在接收到终端A的蓝牙广播信号后，从广播信号的数据包中提取该交易验证信息，记为M1。S1104: After receiving the Bluetooth broadcast signal of the terminal A, the terminal B extracts the transaction verification information from the data packet of the broadcast signal, and records it as M1.
S1106，终端B自动检测其接收到的蓝牙广播信号的信号强度值(RSSI)，并根据该信号强度值通过相关算法计算出终端A与终端B之间的距离，记为S。S1106: The terminal B automatically detects the signal strength value (RSSI) of the Bluetooth broadcast signal received by the terminal B, and calculates a distance between the terminal A and the terminal B by using a correlation algorithm according to the signal strength value, and records it as S.
S1108，终端B自动将该距离S与应用预置的最大的贴近距离L比较。当判断S<L时，即终端A与终端B的距离小于应用预置的最大的贴近距离时，则判断终端A与终端B贴近成功并执行S1110流程，否则执行S1112流程。In S1108, terminal B automatically compares the distance S with the maximum close proximity L of the application preset. When it is determined that S<L, that is, the distance between the terminal A and the terminal B is less than the maximum close distance preset by the application, it is determined that the terminal A and the terminal B are close to each other and the process of S1110 is performed; otherwise, the process of S1112 is performed.
S1110，终端B自动计算其与终端A连续贴近的累计时间t，当累计时间t大于***预设的时间t0时，即t>t0时执行S1114流程，当倒计时截止仍未满足t>t0时执行S1116流程。S1110, terminal B automatically calculates the cumulative time t that is continuously close to terminal A. When the accumulated time t is greater than the system preset time t0, that is, when t>t0, the S1114 process is executed, and when the countdown is still not satisfied, t>t0 is executed. S1116 process.
S1112，提示未发现付款人。S1112, prompting that no payer has been found.
S1114，终端B自动将其支付账号信息P及交易验证信息M1通过后台网络发送到服务器端。服务器端立即检测交易验证列表中是否存在M1，当检测存在时则把账号信息P作为收款人推送给终端A。S1114: Terminal B automatically sends its payment account information P and transaction verification information M1 to the server through the background network. The server immediately detects whether M1 exists in the transaction verification list, and when the detection exists, the account information P is pushed to the terminal A as the payee.
S1116，提示连续贴近时间不够长。S1116, prompting that the continuous close time is not long enough.
需要说明的是，上述各个模块是可以通过软件或硬件来实现的，对于后者，可以通过以下方式实现，但不限于此：上述模块均位于同一处理器中；或者，上述模块分别位于多个处理器中。It should be noted that each of the above modules may be implemented by software or hardware. For the latter, the foregoing may be implemented by, but not limited to, the foregoing modules are all located in the same processor; or, the modules are located in multiple In the processor.
本发明的实施例还提供了一种存储介质。可选地，在本实施例中，上述存储介质可以被设置为存储用于执行以下步骤的程序代码：Embodiments of the present invention also provide a storage medium. Optionally, in the embodiment, the foregoing storage medium may be configured to store program code for performing the following steps:
S1，第一终端将验证信息发送给服务器；
S1. The first terminal sends the verification information to the server.
S2，该第一终端利用蓝牙广播上述验证信息；S2. The first terminal broadcasts the verification information by using Bluetooth.
S3，该第一终端接收服务器根据验证信息推送的收款人信息，其中，该收款人信息为利用蓝牙接收到上述验证信息的第二终端发送给服务器的；S3, the first terminal receives the payee information pushed by the server according to the verification information, where the payee information is sent to the server by the second terminal that receives the verification information by using the Bluetooth;
S4，给第一终端根据上述收款人信息进行付款处理。S4: The first terminal performs payment processing according to the above payee information.
可选地，存储介质还被设置为存储用于执行以下步骤的程序代码：Optionally, the storage medium is further arranged to store program code for performing the following steps:
S1，第二终端利用蓝牙接收第一终端广播的验证信息；S1. The second terminal receives the verification information broadcast by the first terminal by using Bluetooth.
S2，该第二终端将上述验证信息和收款人信息发送给服务器，其中，给验证信息用于服务器将收款人信息发送给第一终端，该收款人信息用于第一终端进行付款处理。S2. The second terminal sends the verification information and the payee information to the server, where the verification information is used by the server to send the payee information to the first terminal, where the payee information is used for the first terminal to perform payment. deal with.
可选地，存储介质还被设置为存储用于执行以下步骤的程序代码：Optionally, the storage medium is further arranged to store program code for performing the following steps:
S1，服务器接收第一终端发送的验证信息；S1. The server receives the verification information sent by the first terminal.
S2，该服务器接收第二终端发送的验证信息和收款人信息，其中，该第二终端发送的验证信息和收款人信息为第二终端在利用蓝牙接收到第一终端广播的验证信息后，发送给服务器的，该第一终端通过蓝牙广播验证信息；S2. The server receives the verification information and the payee information sent by the second terminal, where the verification information and the payee information sent by the second terminal are after the second terminal receives the verification information broadcast by the first terminal by using the Bluetooth. Sending to the server, the first terminal broadcasts the verification information through Bluetooth;
S3，该服务器根据第一终端发送的验证信息和第二终端发送的验证信息，将收款人信息推送给第一终端，其中，该收款人信息用于第一终端进行付款处理。S3. The server pushes the payee information to the first terminal according to the verification information sent by the first terminal and the verification information sent by the second terminal, where the payee information is used by the first terminal to perform payment processing.
可选地，在本实施例中，上述存储介质可以包括但不限于：U盘、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、移动硬盘、磁碟或者光盘等各种可以存储程序代码的介质。Optionally, in this embodiment, the foregoing storage medium may include, but not limited to, a USB flash drive, a Read-Only Memory (ROM), a Random Access Memory (RAM), a mobile hard disk, and a magnetic memory. A variety of media that can store program code, such as a disc or a disc.
可选地，本实施例中的具体示例可以参考上述实施例及可选实施方式中所描述的示例，本实施例在此不再赘述。For example, the specific examples in this embodiment may refer to the examples described in the foregoing embodiments and the optional embodiments, and details are not described herein again.
通过上述实施例，可以达到如下有益效果：Through the above embodiments, the following beneficial effects can be achieved:
随机生成的交易验证信息即使被黑客截获也不会暴露用户帐户信息，且其只具有数秒的有效期，大大增加了支付的安全性。The randomly generated transaction verification information will not reveal the user account information even if intercepted by the hacker, and it only has a validity period of several seconds, which greatly increases the security of the payment.
利用低功耗蓝牙广播交易验证信息给收款人，让交易在不知不觉中自动关联起付款人和收款人。
Utilize low-power Bluetooth broadcast transaction verification information to the payee, so that the transaction automatically associates the payer and the payee unconsciously.
利用低功耗蓝牙的信号强度值计算付款人和收款人的贴近距离彻底杜绝了陌生人给误判为收款人的可能性。Using the low-power Bluetooth signal strength value to calculate the close distance between the payer and the payee completely eliminates the possibility of a stranger giving a false positive to the payee.
付款界面展示收款人信息后才显示一键支付按钮，让付款人在确认收款人信息无误后才能点击一键支付按钮，彻底让面对面付款的误操作降低为零。The payment interface displays the payee information before displaying the one-click payment button, so that the payer can click the one-click payment button after confirming that the payee information is correct, completely reducing the misoperation of face-to-face payment to zero.
显然，本领域的技术人员应该明白，上述的本发明实施例的各模块或各步骤可以用通用的计算装置来实现，它们可以集中在单个的计算装置上，或者分布在多个计算装置所组成的网络上，可选地，它们可以用计算装置可执行的程序代码来实现，从而，可以将它们存储在存储装置中由计算装置来执行，并且在某些情况下，可以以不同于此处的顺序执行所示出或描述的步骤，或者将它们分别制作成各个集成电路模块，或者将它们中的多个模块或步骤制作成单个集成电路模块来实现。这样，本发明不限制于任何特定的硬件和软件结合。Obviously, those skilled in the art should understand that the above modules or steps of the embodiments of the present invention can be implemented by a general computing device, which can be concentrated on a single computing device or distributed in multiple computing devices. Alternatively, they may be implemented by program code executable by the computing device such that they may be stored in the storage device by the computing device and, in some cases, may be different from The steps shown or described are performed sequentially, or they are separately fabricated into individual integrated circuit modules, or a plurality of modules or steps thereof are fabricated into a single integrated circuit module. Thus, the invention is not limited to any specific combination of hardware and software.
以上所述仅为本发明的优选实施例而已，并不用于限制本发明，对于本领域的技术人员来说，本发明可以有各种更改和变化。凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。The above description is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes can be made to the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and scope of the present invention are intended to be included within the scope of the present invention.
如上所述，通过上述实施例及优选实施方式，解决了相关技术中存在的无法安全便捷的进行付款的问题，进而达到了安全便捷的进行付款的效果。
As described above, the above-mentioned embodiments and the preferred embodiments solve the problem that the payment cannot be performed safely and conveniently in the related art, thereby achieving the effect of safe and convenient payment.
Claims (14)
- 一种付款处理方法，包括：A payment processing method comprising:第一终端将验证信息发送给服务器；The first terminal sends the verification information to the server;所述第一终端利用蓝牙广播所述验证信息；The first terminal broadcasts the verification information by using Bluetooth;所述第一终端接收所述服务器根据所述验证信息推送的收款人信息，其中，所述收款人信息为利用蓝牙接收到所述验证信息的第二终端发送给所述服务器的；The first terminal receives the payee information that is sent by the server according to the verification information, where the payee information is sent to the server by the second terminal that receives the verification information by using Bluetooth;所述第一终端根据所述收款人信息进行付款处理。The first terminal performs payment processing according to the payee information.
- 根据权利要求1所述的方法，其中，所述第一终端接收所述服务器根据所述验证信息推送的所述收款人信息包括：The method of claim 1, wherein the receiving, by the first terminal, the payee information pushed by the server according to the verification information comprises:所述第一终端在第一预定时间内接收所述服务器根据所述验证信息推送的所述收款人信息。The first terminal receives the payee information pushed by the server according to the verification information within a first predetermined time.
- 根据权利要求1所述的方法，其中，所述第一终端根据所述收款人信息进行付款处理包括：The method according to claim 1, wherein the payment processing by the first terminal according to the payee information comprises:所述第一终端在确定所述收款人信息正确后，在第二预定时间内通知所述服务器执行付款交易。After determining that the payee information is correct, the first terminal notifies the server to perform a payment transaction within a second predetermined time.
- 一种付款处理方法，包括：A payment processing method comprising:第二终端利用蓝牙接收第一终端广播的验证信息；The second terminal receives the verification information broadcast by the first terminal by using Bluetooth;所述第二终端将所述验证信息和收款人信息发送给服务器，其中，所述验证信息用于所述服务器将所述收款人信息发送给所述第一终端，所述收款人信息用于所述第一终端进行付款处理。Sending, by the second terminal, the verification information and the payee information to the server, where the verification information is used by the server to send the payee information to the first terminal, the payee The information is used by the first terminal to perform payment processing.
- 根据权利要求4所述的方法，其中，所述第二终端将所述验证信息和所述收款人信息发送给所述服务器包括：The method of claim 4, wherein the transmitting, by the second terminal, the verification information and the payee information to the server comprises:所述第二终端确定与所述第一终端的贴近时间，其中，所述贴近时间为所述第二终端与所述第一终端之间的距离小于第一预定阈值的持续时间；The second terminal determines a close time with the first terminal, where the close time is a duration in which a distance between the second terminal and the first terminal is less than a first predetermined threshold;当确定所述贴近时间大于或等于第二预定阈值时，所述第二终端将所述验证信息和所述收款人信息发送给所述服务器。 The second terminal transmits the verification information and the payee information to the server when it is determined that the close time is greater than or equal to a second predetermined threshold.
- 一种付款处理方法，包括：A payment processing method comprising:服务器接收第一终端发送的验证信息；The server receives the verification information sent by the first terminal;所述服务器接收第二终端发送的验证信息和收款人信息，其中，所述第二终端发送的验证信息和收款人信息为所述第二终端在利用蓝牙接收到所述第一终端广播的验证信息后，发送给所述服务器的，所述第一终端通过蓝牙广播所述验证信息；The server receives the verification information and the payee information sent by the second terminal, where the verification information and the payee information sent by the second terminal are that the second terminal receives the first terminal broadcast by using the Bluetooth. After the verification information is sent to the server, the first terminal broadcasts the verification information through Bluetooth;所述服务器根据所述第一终端发送的验证信息和所述第二终端发送的验证信息，将所述收款人信息推送给所述第一终端，其中，所述收款人信息用于所述第一终端进行付款处理。The server pushes the payee information to the first terminal according to the verification information sent by the first terminal and the verification information sent by the second terminal, where the payee information is used in the The first terminal performs payment processing.
- 根据权利要求6所述的方法，其中，所述服务器根据所述第一终端发送的验证信息和所述第二终端发送的验证信息，将所述收款人信息推送给所述第一终端包括：The method according to claim 6, wherein the server pushes the payee information to the first terminal according to the verification information sent by the first terminal and the verification information sent by the second terminal. :所述服务器判断所述第一终端发送的验证信息和所述第二终端发送的验证信息是否一致；The server determines whether the verification information sent by the first terminal and the verification information sent by the second terminal are consistent;在判断结果为一致的情况下，所述服务器将所述收款人信息推送给所述第一终端。When the determination result is consistent, the server pushes the payee information to the first terminal.
- 一种付款处理装置，应用于第一终端中，包括：A payment processing device is applied to the first terminal, and includes:发送模块，设置为将验证信息发送给服务器；a sending module, configured to send the verification information to the server;广播模块，设置为利用蓝牙广播所述验证信息；a broadcast module, configured to broadcast the verification information by using Bluetooth;第一接收模块，设置为接收所述服务器根据所述验证信息推送的收款人信息，其中，所述收款人信息为利用蓝牙接收到所述验证信息的第二终端发送给所述服务器的；a first receiving module, configured to receive the payee information pushed by the server according to the verification information, where the payee information is sent to the server by a second terminal that receives the verification information by using Bluetooth ;处理模块，设置为根据所述收款人信息进行付款处理。The processing module is configured to perform payment processing according to the payee information.
- 根据权利要求8所述的装置，其中，所述第一接收模块包括：The apparatus of claim 8, wherein the first receiving module comprises:所述第一终端在第一预定时间内接收所述服务器根据所述验证信息推送的所述收款人信息。The first terminal receives the payee information pushed by the server according to the verification information within a first predetermined time.
- 根据权利要求8所述的装置，其中，所述处理模块包括：The apparatus of claim 8 wherein said processing module comprises:通知单元，设置为在确定所述收款人信息正确后，在第二预定时间内通知所述服务器执行付款交易。 The notification unit is configured to notify the server to perform the payment transaction within the second predetermined time after determining that the payee information is correct.
- 一种付款处理装置，应用于第二终端中，包括：A payment processing device is applied to the second terminal, including:第二接收模块，设置为利用蓝牙接收第一终端广播的验证信息；a second receiving module, configured to receive, by using Bluetooth, authentication information broadcast by the first terminal;发送模块，设置为将所述验证信息和收款人信息发送给服务器，其中，所述验证信息用于所述服务器将所述收款人信息发送给所述第一终端，所述收款人信息用于所述第一终端进行付款处理。a sending module, configured to send the verification information and the payee information to the server, wherein the verification information is used by the server to send the payee information to the first terminal, the payee The information is used by the first terminal to perform payment processing.
- 根据权利要求11所述的装置，其中，所述发送模块包括：The apparatus of claim 11 wherein said transmitting module comprises:确定单元，设置为确定与所述第一终端的贴近时间，其中，所述贴近时间为所述第二终端与所述第一终端之间的距离小于第一预定阈值的持续时间；a determining unit, configured to determine a close time with the first terminal, where the close time is a duration in which a distance between the second terminal and the first terminal is less than a first predetermined threshold;发送单元，设置为当确定所述贴近时间大于或等于第二预定阈值时，将所述验证信息和所述收款人信息发送给所述服务器。The sending unit is configured to send the verification information and the payee information to the server when it is determined that the close time is greater than or equal to a second predetermined threshold.
- 一种付款处理装置，应用于服务器中，包括：A payment processing device is applied to a server, including:第三接收模块，设置为接收第一终端发送的验证信息；The third receiving module is configured to receive the verification information sent by the first terminal;第四接收模块，设置为接收第二终端发送的验证信息和收款人信息，其中，所述第二终端发送的验证信息和收款人信息为所述第二终端在利用蓝牙接收到所述第一终端广播的验证信息后，发送给所述服务器的，所述第一终端通过蓝牙广播所述验证信息；The fourth receiving module is configured to receive the verification information and the payee information sent by the second terminal, where the verification information and the payee information sent by the second terminal are that the second terminal receives the After the verification information broadcast by the first terminal is sent to the server, the first terminal broadcasts the verification information by using Bluetooth;推送模块，设置为根据所述第一终端发送的验证信息和所述第二终端发送的验证信息，将所述收款人信息推送给所述第一终端，其中，所述收款人信息用于所述第一终端进行付款处理。The push module is configured to push the payee information to the first terminal according to the verification information sent by the first terminal and the verification information sent by the second terminal, where the payee information is used by Performing payment processing at the first terminal.
- 根据权利要求13所述的装置，其中，所述推送模块包括：The apparatus of claim 13 wherein said push module comprises:判断单元，设置为判断所述第一终端发送的验证信息和所述第二终端发送的验证信息是否一致；a determining unit, configured to determine whether the verification information sent by the first terminal and the verification information sent by the second terminal are consistent;推送单元，设置为在判断结果为一致的情况下，将所述收款人信息推送给所述第一终端。 The pushing unit is configured to push the payee information to the first terminal when the determination result is consistent.
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| CN201510208629.XA CN106157021A (en) | 2015-04-28 | 2015-04-28 | Payment processing method and processing device |
| CN201510208629.X | 2015-04-28 |
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| PCT/CN2015/080512 WO2016173082A1 (en) | 2015-04-28 | 2015-06-01 | Payment processing method and device |
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| CN108805553A (en) * | 2017-04-27 | 2018-11-13 | 上海慧流云计算科技有限公司 | A kind of method for processing payment information and device |
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| CN111149313B (en) * | 2018-04-04 | 2021-05-18 | 华为技术有限公司 | Data transmission method and equipment |
| CN110517036A (en) * | 2019-08-29 | 2019-11-29 | 湖南工学院 | A kind of method and device of two dimensional code payment illegal payment |
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| CN101771754B (en) * | 2008-12-31 | 2014-04-23 | 北京联想软件有限公司 | Mobile terminal and method for near-field communication thereof |
| CN103530770B (en) * | 2013-09-09 | 2017-08-18 | 金子光 | A kind of One-key payment method for mobile phone |
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| CN102081769A (en) * | 2009-11-27 | 2011-06-01 | 阿里巴巴集团控股有限公司 | Method and system for processing payment data, payment terminal and payment server |
| CN201984575U (en) * | 2010-03-24 | 2011-09-21 | 李勇 | Bluetooth payment device |
| CN103903140A (en) * | 2014-03-14 | 2014-07-02 | 福建联迪商用设备有限公司 | O2O safety payment method, system and safety payment background |
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| CN108805553A (en) * | 2017-04-27 | 2018-11-13 | 上海慧流云计算科技有限公司 | A kind of method for processing payment information and device |
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