WO2022121668A1

WO2022121668A1 - Method and apparatus for processing service on smart terminal

Info

Publication number: WO2022121668A1
Application number: PCT/CN2021/131863
Authority: WO
Inventors: 朱春晖
Original assignee: 展讯半导体(南京)有限公司
Priority date: 2020-12-11
Filing date: 2021-11-19
Publication date: 2022-06-16
Also published as: CN114626855A

Abstract

Disclosed are a method and apparatus for processing a service on a smart terminal. The method comprises: when a payment event in a powerless state is detected, acquiring powerless payment authorization information of a target authorized payment application, wherein the powerless payment authorization information of the target authorized payment application comprises a powerless payment parameter of the target authorized payment application, the powerless payment parameter comprising a payment limit threshold value and/or a payment number threshold value of the target authorized payment application in the powerless state; and according to the indication of the powerless payment parameter comprised in the powerless payment authorization information, performing powerless payment service processing on a payment object device by means of the target authorized payment application. By means of the method, a smart terminal can complete a payment even when the smart terminal is in a powerless state.

Description

一种在智能终端上的业务处理方法及装置A business processing method and device on an intelligent terminal

技术领域technical field

本申请涉及计算机技术和通信技术领域，尤其涉及一种在智能终端上的业务处理方法及装置。The present application relates to the fields of computer technology and communication technology, and in particular, to a business processing method and device on an intelligent terminal.

背景技术Background technique

随着通信技术和计算机技术的发展和普及，通过智能终端进行货币交易成为了常见的交易方式。目前基于智能终端的交易方式主要是通过智能终端扫描特定的二维码实现的，该二维码可以使智能终端加载出相应的支付页面，用户可以在该支付页面中进行操作，并完成支付。而当智能终端处于无电状态时，这种交易方式就会失效，导致智能终端无法在无电状态下完成支付。With the development and popularization of communication technology and computer technology, currency transactions through smart terminals have become a common transaction method. At present, the transaction method based on the smart terminal is mainly realized by scanning a specific QR code on the smart terminal. The QR code can make the smart terminal load the corresponding payment page, and the user can operate on the payment page and complete the payment. When the smart terminal is in a powerless state, this transaction method will fail, resulting in the smart terminal being unable to complete the payment in a powerless state.

发明内容SUMMARY OF THE INVENTION

本申请公开了一种在智能终端上的业务处理方法及装置，可以使得智能终端处于无电状态下也能够完成支付。The present application discloses a business processing method and device on an intelligent terminal, which can enable the intelligent terminal to complete payment even when the intelligent terminal is in a powerless state.

第一方面，本申请实施例提供了一种在智能终端上的业务处理方法及装置，该方法可以应用在智能终端中，该方法包括：In a first aspect, the embodiments of the present application provide a method and device for processing services on an intelligent terminal. The method can be applied to the intelligent terminal, and the method includes:

当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，目标授权支付应用的无电支付授权信息包括目标授权支付应用的无电支付参数，无电支付参数包括目标授权支付应用在无电状态下的支付额度阈值和/或支付次数阈值；When a payment event in a powerless state is detected, the powerless payment authorization information of the target authorized payment application is obtained. The powerless payment authorization information of the target authorized payment application includes the powerless payment parameters of the target authorized payment application, and the powerless payment parameters. Including the payment amount threshold and/or the payment times threshold of the target authorized payment application in the power-off state;

根据无电支付授权信息包括的无电支付参数的指示，通过目标授权支付应用向支付对象设备进行无电支付业务处理。According to the indication of the non-electrical payment parameter included in the non-electrical payment authorization information, the non-electrical payment service processing is performed to the payment object device through the target authorized payment application.

在一实施方式中，智能终端包括用于进行支付处理的支付模块和感应模块。In one embodiment, the smart terminal includes a payment module and an induction module for payment processing.

在一实施方式中，当检测到感应模块为支付模块提供电能，且感应模块检测到支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；获取目标授权支付应用的无电支付授权信息。In one embodiment, when it is detected that the inductive module provides power to the payment module, and the inductive module detects a payment request from the payment object device, it is determined that a payment event in a no-power state is detected; Payment authorization information.

在一实施方式中，感应模块储存有电能，感应模块储存的电能为智能终端和/或支付对象设备发送的电磁场提供的。In one embodiment, the induction module stores electric energy, and the electric energy stored in the induction module is provided by the electromagnetic field sent by the smart terminal and/or the payment object device.

在一实施方式中，智能终端包括电源监测模块，电源监测模块用于对智能终端的电量进行监测。In one embodiment, the smart terminal includes a power monitoring module, and the power monitoring module is used to monitor the power of the smart terminal.

在一实施方式中，当电源监测模块向支付模块发送无电指示信息，且感应模块检测到支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；获取目标授权支付应用的无电支付授权信息。In one embodiment, when the power monitoring module sends no-power indication information to the payment module, and the sensing module detects a payment request from the payment object device, it is determined that a payment event in a no-power state is detected; No electricity payment authorization information.

在一实施方式中，智能终端包括配置界面。In one embodiment, the smart terminal includes a configuration interface.

在一实施方式中，获取目标授权支付应用的无电支付授权信息之前，通过待授权支付应用的配置界面获取用户输入的待授权支付应用的无电支付配置信息，待授权支付应用的无电支付配置信息包括待授权支付应用的无电支付参数；根据待授权支付应用的无电支付配置信息生成待授权支付应用的无电支付授权请求；向业务服务器发送待授权支付应用的无电支付授权请求；接收到业务服务器发送的待授权支付应用的无电支付授权信息，并确定待授权支付应用为授权支付应用，将授权支付应用添加至授权支付应用集合中。In one embodiment, before acquiring the non-electric payment authorization information of the target authorized payment application, the non-electric payment configuration information of the payment application to be authorized entered by the user is obtained through the configuration interface of the payment application to be authorized, and the non-electric payment of the payment application to be authorized is obtained. The configuration information includes the non-electric payment parameters of the payment application to be authorized; the non-electric payment authorization request of the payment application to be authorized is generated according to the non-electric payment configuration information of the payment application to be authorized; the non-electric payment authorization request of the payment application to be authorized is sent to the service server ; Receive the powerless payment authorization information of the payment application to be authorized sent by the service server, determine the payment application to be authorized as the authorized payment application, and add the authorized payment application to the authorized payment application set.

在一实施方式中，支付请求包括目标授权支付应用的标识。In one embodiment, the payment request includes an identification of the target authorized payment application.

在一实施方式中，根据目标授权支付应用的标识从授权支付应用集合中确定出目标授权支付应用；获取目标授权支付应用的无电支付授权信息。In one embodiment, the target authorized payment application is determined from the authorized payment application set according to the identifier of the target authorized payment application; the powerless payment authorization information of the target authorized payment application is acquired.

在一实施方式中，支付请求还包括待支付额度。In one embodiment, the payment request further includes the amount to be paid.

在一实施方式中，若智能终端满足支付条件，则通过目标授权支付应用向支付对象设备发送支付响应信息，支付条件包括通过目标授权支付应用的已支付额度和待支付额度的和小于或等于目标授权支付应用的支付额度阈值，且通过目标授权支付应用完成支付的次数小于目标授权支付应用的支付次数阈值；支付响应信息包括待支付额度的货币。In one embodiment, if the smart terminal satisfies the payment conditions, the payment response information is sent to the payment object device through the target authorized payment application, and the payment conditions include that the sum of the paid amount and the to-be-paid amount of the target authorized payment application is less than or equal to the target. The payment amount threshold of the authorized payment application, and the number of times of completing payment through the target authorized payment application is less than the payment times threshold of the target authorized payment application; the payment response information includes the currency of the amount to be paid.

第二方面，本申请实施例提供了一种在智能终端上的业务处理装置，包括：In a second aspect, an embodiment of the present application provides a service processing device on an intelligent terminal, including:

获取单元，用于当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，目标授权支付应用的无电支付授权信息包括目标授权支付应用的无电支付参数，无电支付参数包括目标授权支付应用的支付额度阈值和/或支付次数阈值；The acquiring unit is configured to acquire the non-electric payment authorization information of the target authorized payment application when the payment event in the non-electric state is detected, and the non-electric payment authorization information of the target authorized payment application includes the non-electric payment parameters of the target authorized payment application , the powerless payment parameters include the payment amount threshold and/or the payment times threshold of the target authorized payment application;

处理单元，用于根据无电支付授权信息包括的无电支付参数的指示，通过目标授权支付应用向支付对象设备进行无电支付业务处理。The processing unit is configured to process the non-electric payment service to the payment object device through the target authorized payment application according to the indication of the non-electric payment parameter included in the non-electric payment authorization information.

第三方面，本申请实施例提供了一种在智能终端上的业务处理装置，包括处理器、存储器和用户接口，处理器、存储器和用户接口相互连接，其中，存储器用于存储计算机程序，计算机程序包括程序指令，处理器被配置用于调用程序指令，执行如第一方面描述的在智能终端上的业务处理方法。In a third aspect, an embodiment of the present application provides a service processing device on an intelligent terminal, including a processor, a memory, and a user interface, where the processor, the memory, and the user interface are connected to each other, wherein the memory is used to store computer programs, and the computer The program includes program instructions, and the processor is configured to invoke the program instructions to execute the service processing method on the smart terminal as described in the first aspect.

第四方面，本申请实施例提供了一种计算机可读存储介质，计算机可读存储介质存储有一条或多条指令，一条或多条指令适于由处理器加载并执行如第一方面描述的在智能终端上的业务处理方法。In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, where the computer-readable storage medium stores one or more instructions, and the one or more instructions are suitable for being loaded and executed by a processor as described in the first aspect A business processing method on an intelligent terminal.

本申请实施例中，智能终端中的支付模块当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，目标授权支付应用的无电支付授权信息包括目标授权支付应用的无电支付参数，无电支付参数包括目标授权支付应用在无电状态下的支付额度阈值和/或支付次数阈值；根据无电支付授权信息包括的无电支付参数的指示，通过目标授权支付应用向支付对象设备进行无电支付业务处理。通过该方法，可以使得智能终端处于无电状态下也能够完成支付。In the embodiment of the present application, the payment module in the smart terminal, when detecting a payment event in a powerless state, obtains the powerless payment authorization information of the target authorized payment application, and the powerless payment authorization information of the target authorized payment application includes the target authorization The powerless payment parameters of the payment application, the powerless payment parameters include the payment amount threshold and/or the payment times threshold of the target authorized payment application in the powerless state; according to the instructions of the powerless payment parameters included in the powerless payment authorization information, the Authorize the payment application to process the non-electrical payment service to the payment object device. Through this method, the smart terminal can be made to complete the payment even when the smart terminal is in a powerless state.

附图说明Description of drawings

为了更清楚地说明本申请实施例技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。In order to explain the technical solutions of the embodiments of the present application more clearly, the following briefly introduces the accompanying drawings used in the description of the embodiments. For those of ordinary skill, other drawings can also be obtained from these drawings without any creative effort.

图1为本申请实施例提供的一种智能终端业务处理的***架构及网络架构图；FIG. 1 is a system architecture and network architecture diagram of an intelligent terminal service processing provided by an embodiment of the present application;

图2为本申请实施例提供的一种在智能终端上的业务处理方法的流程示意图；2 is a schematic flowchart of a service processing method on an intelligent terminal provided by an embodiment of the present application;

图3为本申请实施例提供的一种待授权支付应用的配置界面示意图；3 is a schematic diagram of a configuration interface of a payment application to be authorized according to an embodiment of the present application;

图4为本申请实施例提供的一种包括多个支付应用的无电支付配置信息的配置界面示意图；FIG. 4 is a schematic diagram of a configuration interface including configuration information for non-electrical payment of multiple payment applications according to an embodiment of the present application;

图5为本申请实施例提供的又一种在智能终端上的业务处理方法的流程示意图；FIG. 5 is a schematic flowchart of another service processing method on an intelligent terminal provided by an embodiment of the present application;

图6为本申请实施例提供的一种在智能终端上的业务处理装置的单元示意图；6 is a schematic diagram of a unit of a service processing apparatus on an intelligent terminal provided by an embodiment of the present application;

图7为本申请实施例提供的一种在智能终端上的业务处理装置的实体结构简化示意图。FIG. 7 is a simplified schematic diagram of the entity structure of a service processing apparatus on an intelligent terminal according to an embodiment of the present application.

具体实施方式Detailed ways

下面将结合本发明实施例中的附图，对本申请实施例中的技术方案进行清楚、完整地描述。The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.

为了能够更好地理解本申请实施例，下面对本申请实施例涉及的专业术语进行介绍：In order to better understand the embodiments of the present application, the technical terms involved in the embodiments of the present application are introduced below:

近场通信(Near Field Communication，NFC)：是一种新兴的技术，使用了NFC技术的设备(例如移动电话)可以在彼此靠近的情况下进行数据交换，是由非接触式射频识别(RFID)及互连互通技术整合演变而来的，通过在单一芯片上集成感应式读卡器、感应式卡片和点对点通信的功能，利用移动终端实现移动支付、电子票务、门禁、移动身份识别、防伪等应用。Near Field Communication (NFC): is an emerging technology, devices using NFC technology (such as mobile phones) can exchange data when they are close to each other. It is evolved from the integration of interconnection technology and interconnection technology. By integrating the functions of inductive card reader, inductive card and point-to-point communication on a single chip, mobile terminals are used to realize mobile payment, electronic ticketing, access control, mobile identification, anti-counterfeiting, etc. application.

为了能够更好地理解本申请实施例，下面对本申请实施例可应用的网络架构进行说明。In order to better understand the embodiments of the present application, a network architecture applicable to the embodiments of the present application is described below.

请参见图1，图1为本申请实施例提供的一种智能终端业务处理的***架构及网络架构图。该网络架构中包括智能终端、支付对象设备和业务服务器。智能终端与支付对象设备可以通过支付对象设备所发送出来的电磁场来进行信息的交互，例如执行支付业务等等。智能终端中包括电源监测模块、支付模块和感应模块。其中，电源检测模块可以试试监测智能终端当前的电量；支付模块可以完成支付业务的处理；感应模块是智能终端的一个通信模块，可以与支付对象设备进行通信。该感应模块可以是NFC模块。当智能终端自带的电池还可以提供电能时，智能终端的支付模块可以与业务服务器进行通信，例如支付模块可以向业务服务器请求支付授权等。而智能终端由于电能耗尽处于无电状态时，则智能终端的支付模块无法与该业务服务器进行通信。Please refer to FIG. 1. FIG. 1 is a system architecture and a network architecture diagram of an intelligent terminal service processing provided by an embodiment of the present application. The network architecture includes an intelligent terminal, a payment object device and a service server. The intelligent terminal and the payment object device can perform information interaction through the electromagnetic field sent by the payment object device, such as executing payment services and so on. The intelligent terminal includes a power monitoring module, a payment module and an induction module. Among them, the power detection module can try to monitor the current power of the intelligent terminal; the payment module can complete the processing of payment services; the sensing module is a communication module of the intelligent terminal, which can communicate with the payment object device. The sensing module may be an NFC module. When the battery provided by the smart terminal can also provide electric power, the payment module of the smart terminal can communicate with the service server, for example, the payment module can request payment authorization from the service server. On the other hand, when the smart terminal is in a powerless state due to the exhaustion of electric power, the payment module of the smart terminal cannot communicate with the service server.

本文中的智能终端可以以各种形式来实施。例如，本申请中描述的智能终端可以包括诸如手机、平板电脑、笔记本电脑、掌上电脑、个人数字助理(Personal Digital Assistant，PDA)、便捷式媒体播放器(Portable Media Player，PMP)、导航装置、可穿戴设备、智能手环、计步器等移动终端，以及诸如数字TV、台式计算机等固定终端。后续描述中将以智能终端为例进行说明，本领域技术人员将理解的是，除了特别用于移动目的的元件之外，根据本申请的实施方式的构造也能够应用于固定类型的终端。The smart terminal herein can be implemented in various forms. For example, the smart terminals described in this application may include mobile phones, tablet computers, notebook computers, PDAs, personal digital assistants (PDAs), portable media players (PMPs), navigation devices, Mobile terminals such as wearable devices, smart bracelets, and pedometers, as well as stationary terminals such as digital TVs and desktop computers. The following description will take a smart terminal as an example, and those skilled in the art will understand that the configuration according to the embodiments of the present application can also be applied to a stationary type of terminal, in addition to elements specially used for mobile purposes.

为了能够提高智能终端无电支付的安全性，本申请实施例提供了一种在智能终端上的业务处理方法及装置，下面进一步对本申请实施例提供的在智能终端上的业务处理方法及装置进行详细介绍。In order to improve the security of the smart terminal without electricity payment, the embodiment of the present application provides a service processing method and device on the smart terminal. The following further describes the service processing method and device on the smart terminal provided by the embodiment of the present application. Details.

请参见图2，图2为本申请实施例提供了一种在智能终端上的业务处理方法的流程示意图。当智能终端执行如图2所示的流程时，可以包括以下步骤：Please refer to FIG. 2. FIG. 2 provides a schematic flowchart of a service processing method on an intelligent terminal according to an embodiment of the present application. When the smart terminal executes the process shown in Figure 2, it may include the following steps:

210、当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，目标授权支付应用的无电支付授权信息包括目标授权支付应用的无电支付参数，无电支付参数包括目标授权支付应用的支付额度阈值和/或支付次数阈值。210. When a payment event in a powerless state is detected, obtain the powerless payment authorization information of the target authorized payment application, where the powerless payment authorization information of the target authorized payment application includes the powerless payment parameters of the target authorized payment application, and the powerless payment authorization information of the target authorized payment application. The payment parameters include a payment amount threshold and/or a payment number threshold of the target authorized payment application.

在一种可能的实现方式中，智能终端检测到在无电状态下的支付事件，可以是通过电源监测模块主动告知支付模块智能终端无电的方式来实现的。具体地，支付模块可以在智能终端有电的时候，向电源监测模块进行无电状态通知的订阅操作。例如，支付模块可以向电源监测模块发送无电状态通知订阅消息，电源监测模块接收到该无电状态通知订阅消息就确定需要在智能终端即将处于无电状态时，向支付模块发送无电指示信息，通知支付模块智能终端进入无电状态。其中，该无电状态通知消息可以是在智能终端正处于关机状态的时候电源监测模块向支付模块发送的，这样就可以及时通知到支付模块。若在无电状态下，感应模块检测到了支付对象设备发送的支付请求，那么就可以确定检测到了在无电状态下的支付事件。其中，该支付请求可以是支付对象设备通过电磁场的方式发送给智能终端的感应模块的。In a possible implementation manner, the smart terminal detects a payment event in a no-power state, which may be implemented by the power monitoring module actively informing the payment module that the smart terminal has no power. Specifically, the payment module can subscribe the power monitoring module for the powerless state notification when the smart terminal has power. For example, the payment module can send a subscription message to the power monitoring module to notify the power outage status, and the power monitoring module receives the subscription message for the outage status notification and determines that it is necessary to send the no-power indication information to the payment module when the smart terminal is about to be in a non-power state. , notifies the payment module intelligent terminal to enter the no-power state. The no-power state notification message may be sent by the power monitoring module to the payment module when the smart terminal is in a shutdown state, so that the payment module can be notified in time. If the sensing module detects the payment request sent by the payment object device in the no-power state, it can be determined that a payment event in the no-power state is detected. Wherein, the payment request may be sent by the payment object device to the sensing module of the smart terminal by means of an electromagnetic field.

在一种可能的实现方式中，智能终端检测到在无电状态下的支付事件，还可以是通过智能终端包括的支付模块定期与电源监测模块取得联系的方式来实现的。具体地，支付模块可以每隔一段预设的时间就向电源监测模块发送一个电量检测请求，若智能终端此时还有电，那么电源监测模块接收到该电量检测请求后，就可以响应于该电量检测请求，并向支付模块发送电量检测响应信息。由此支付模块就知道此时智能终端还有电，未进入无电状态，并且此时支付模块是由智能终端来供电的。而当电源监测模块在预设的时长内未响应该电量检测请求，那么支付模块就确定此时智能终端处于无电状态。需要说明的是，即便智能终端已经处于无电状态，支付模块也可以通过智能终端包括的感应模块来继续工作。感应模块中可以储存有一定量的电能，可以供给支付模块使用。其中，感应模块中的电能可以是智能终端在有电的时候提供的，也可以是支付对象设备发送的电磁场所提供的。即，感应模块可以将电磁场转化为电能进行存储。那么当支付模块检测到感应模块在为支付模块提供电能时，则可以确定智能终端已处于无电状态。这是考虑到智能终端可能在电池还有电的情况下也突然断电，例如智能终端的电池被用户拔下，那么智能终端的电源监测模块就不能主动通知支付模块此时智能终端处于无电状态。若在无电状态下，感应模块检测到了支付对象设备发送的支付请求，那么就可以确定检测到了在无电状态下的支付事件。In a possible implementation manner, the smart terminal detects a payment event in a powerless state, which may also be achieved by regularly contacting the power monitoring module with the payment module included in the smart terminal. Specifically, the payment module can send a power detection request to the power monitoring module at preset intervals. If the smart terminal still has power at this time, the power monitoring module can respond to the power detection request after receiving the power monitoring request. Power detection request, and send power detection response information to the payment module. From this, the payment module knows that the smart terminal still has power and has not entered a no-power state, and the payment module is powered by the smart terminal at this time. When the power monitoring module does not respond to the power detection request within a preset time period, the payment module determines that the smart terminal is in a no-power state at this time. It should be noted that, even if the smart terminal is already in a powerless state, the payment module can continue to work through the sensing module included in the smart terminal. A certain amount of electrical energy can be stored in the induction module, which can be used by the payment module. Wherein, the electric energy in the induction module may be provided by the smart terminal when there is electricity, or may be provided by the electromagnetic field sent by the payment object device. That is, the induction module can convert the electromagnetic field into electrical energy for storage. Then, when the payment module detects that the sensing module is providing power to the payment module, it can be determined that the smart terminal is in a powerless state. This is because the smart terminal may be powered off suddenly even when the battery is still charged. For example, if the battery of the smart terminal is unplugged by the user, the power monitoring module of the smart terminal cannot actively notify the payment module that the smart terminal is out of power. state. If the sensing module detects the payment request sent by the payment object device in the no-power state, it can be determined that a payment event in the no-power state is detected.

在检测到无电状态下的支付事件时，支付模块可以获取目标授权支付应用的无电支付授权信息。在获取目标授权支付应用的无电支付授权信息之前，智能终端可以对智能终端中的待授权支付应用进行授权操作。智能终端可以通过待授权支付应用的配置界面获取用户输入的待授权支付应用的无电支付配置信息，该待授权支付应用的无电支付配置信息可以包括待授权支付应用的无电支付参数，例如待授权支付应用的支付额度阈值和/或支付次数阈值等。当然还可以包括其他可以进行支付限制的参数，本申请实施例不作限定。When detecting a payment event in a powerless state, the payment module can obtain the powerless payment authorization information of the target authorized payment application. Before acquiring the powerless payment authorization information of the target authorized payment application, the intelligent terminal may perform an authorization operation on the payment application to be authorized in the intelligent terminal. The smart terminal can obtain the non-electric payment configuration information of the to-be-authorized payment application input by the user through the configuration interface of the to-be-authorized payment application, and the non-electric payment configuration information of the to-be-authorized payment application may include the non-electric payment parameters of the to-be-authorized payment application, such as The payment amount threshold and/or the payment times threshold of the payment application to be authorized, etc. Of course, other parameters that can limit payment may also be included, which are not limited in this embodiment of the present application.

如图3所示，待授权支付应用的显示界面中可以显示该待授权支付应用的配置界面，显示该配置界面可以是通过获取对待授权支付应用中用于配置和授权无电支付配置信息的虚拟按键的点击操作来实现的。本申请实施例不对配置界面的显示方式进行限定，可以是并排显示、嵌入显示、悬浮显示等。用户可以在该待授权支付应用的配置界面中输入无电支付参数，如通过该待授权支付应用在无电支付进行支付的支付额度阈值和/或支付次数阈值等。例如，用户可以设置在无电状态下通过该待授权支付应用进行支付的支付额度阈值为500元，支付次数阈值为3次。As shown in FIG. 3 , the configuration interface of the payment application to be authorized can be displayed in the display interface of the payment application to be authorized, and the configuration interface can be displayed by acquiring the virtual configuration information used to configure and authorize the non-electric payment in the payment application to be authorized. The click operation of the button is realized. The embodiment of the present application does not limit the display mode of the configuration interface, which may be side-by-side display, embedded display, floating display, or the like. The user can input the electricity-free payment parameters in the configuration interface of the payment application to be authorized, such as the payment amount threshold and/or the payment times threshold for payment in electricity-free payment through the payment application to be authorized. For example, the user may set a payment amount threshold of 500 yuan for payment through the payment application to be authorized in a power-off state, and a payment number threshold of 3 times.

用户设置无电支付参数后，支付模块就可以根据该无电支付配置信息生成相应的待授权支付应用的无电支付授权请求。支付模块需要向业务服务器申请授权，就会向业务服务器发送该待授权支付应用的无电授权请求，若业务服务器授权通过，就会给支付模块发送该待授权支付应用的无电支付授权信息。支付模块接收到该待授权支付应用的无电支付授权信息，就可以确定当前的待授权支付应用为授权支付应用，将该授权支付应用添加至授权支付应用集合中。需要说明的是，智能终端中可能不止一款支付应用，用户可以通过对不同的支付应用分别进行无电支付配置信息的设置和授权请求，当授权通过后，智能终端就可以在无电状态下使用多种授权支付应用进行支付处理。After the user sets the electricity-free payment parameters, the payment module can generate a corresponding electricity-free payment authorization request of the payment application to be authorized according to the electricity-free payment configuration information. When the payment module needs to apply for authorization from the service server, it will send the powerless authorization request of the payment application to be authorized to the service server. After receiving the powerless payment authorization information of the payment application to be authorized, the payment module can determine that the current payment application to be authorized is an authorized payment application, and add the authorized payment application to the authorized payment application set. It should be noted that there may be more than one payment application in the smart terminal. The user can set and authorize the configuration information of the non-electric payment through different payment applications. After the authorization is passed, the smart terminal can be in the non-electric state. Use a variety of authorized payment apps for payment processing.

在一种可能的实现方式中，支付模块在无电状态下从授权支付应用集合中确定目标授权支付应用可以是通过识别目标授权支付应用的标识来实现的。具体地，当支付对象设备发起一笔支付业务时，会向智能终端发送支付请求，该支付请求中可以包括目标授权支付应用的标识。智能终端的感应模块接收到该支付请求后，会转发给支付模块，支付模块识别其中的目标授权支付应用的标识，从而从授权支付应用集合中确定目标授权支付应用。确定目标授权支付应用后，支付应用就可以获取该定目标授权支付应用的无电支付授权信息，从而进行后续的无电支付业务处理。In a possible implementation manner, the determination of the target authorized payment application from the authorized payment application set by the payment module in an unpowered state may be realized by identifying the identifier of the target authorized payment application. Specifically, when the payment object device initiates a payment service, it will send a payment request to the smart terminal, and the payment request may include the identifier of the target authorized payment application. After the sensing module of the smart terminal receives the payment request, it will forward it to the payment module, and the payment module identifies the identifier of the target authorized payment application therein, thereby determining the target authorized payment application from the authorized payment application set. After the target authorized payment application is determined, the payment application can obtain the powerless payment authorization information of the target authorized payment application, so as to perform subsequent powerless payment service processing.

在一种可能的实现方式中，支付模块在无电状态下从授权支付应用集合中确定目标授权支付应用可以是通过轮询的方式来实现的。具体地，支付模块接收到支付请求后，可以通过轮询的方式，对授权支付应用集合中的各个授权支付应用进行逐一检测。当检测到与该支付请求匹配的授权支付应用后，就确定该授权支付应用为目标授权支付应用。确定目标授权支付应用后，支付应用就可以获取该定目标授权支付应用的无电支付授权信息，从而进行后续的无电支付业务处理。In a possible implementation manner, the determination of the target authorized payment application from the authorized payment application set by the payment module in an unpowered state may be implemented by polling. Specifically, after the payment module receives the payment request, it can check each authorized payment application in the authorized payment application set one by one by polling. When an authorized payment application matching the payment request is detected, it is determined that the authorized payment application is a target authorized payment application. After the target authorized payment application is determined, the payment application can obtain the powerless payment authorization information of the target authorized payment application, so as to perform subsequent powerless payment service processing.

在一种可能的实现方式中，智能终端可以提供统一的对不同支付应用的无电支付配置信息的配置界面，该配置界面可以如图4所示。该配置界面中可以包括多个支付应用的支付额度阈值、支付次数阈值等无电支付参数。例如，用户可以在该配置界面中设置支付应用1的支付额度阈值1和支付次数阈值1，设置支付应用2的支付额度阈值2和支付次数阈值2。设置完成后，智能终端的支付模块可以根据不同支付应用的无电支付配置信息分别生成各个支付应用的无电支付授权请求，发送给业务服务器进行授权申请。这样，用户就不需要分别打开多个支付应用进行设置，可以提高用户对不同支付应用进行无电支付配置信息设置和授权的效率。需要说明的是，显示图4所示的多个支付应用的无电支付配置信息的配置界面可以是智能终端中本地***的功能，该功能可以获取各个支付应用的无电支付配置信息的配置权限，从而可以让用户进行统一配置。In a possible implementation manner, the intelligent terminal may provide a unified configuration interface for the configuration information of non-electrical payment for different payment applications, and the configuration interface may be as shown in FIG. 4 . The configuration interface may include payment amount thresholds, payment times thresholds, and other powerless payment parameters of multiple payment applications. For example, the user can set the payment amount threshold 1 and the payment times threshold 1 of the payment application 1, and set the payment amount threshold 2 and the payment times threshold 2 of the payment application 2 in the configuration interface. After the setting is completed, the payment module of the smart terminal can separately generate a non-electric payment authorization request of each payment application according to the non-electric payment configuration information of different payment applications, and send it to the service server for authorization application. In this way, the user does not need to open multiple payment applications for setting respectively, which can improve the efficiency of the user in setting and authorizing the configuration information of non-electric payment for different payment applications. It should be noted that the configuration interface that displays the configuration information of the non-electric payment of the multiple payment applications shown in FIG. 4 may be a function of the local system in the smart terminal, and this function can obtain the configuration authority of the configuration information of the non-electric payment of each payment application. , which allows users to perform unified configuration.

220、根据无电支付授权信息包括的无电支付参数的指示，通过目标授权支付应用向支付对象设备进行无电支付业务处理。220. According to the indication of the non-electrical payment parameter included in the non-electrical payment authorization information, perform non-electrical payment service processing to the payment object device through the target authorized payment application.

其中，支付模块接收到的支付请求中还包括待支付额度，该待支付额度即为支付对象设备发起的需要当前智能终端支付的金额。若智能终端满足支付条件，则可以根据该目标授权支付应用向支付对象设备支付待支付额度的货币。其中，该支付条件可以是：通过目标授权支付应用的已支付额度和待支付额度的和小于或等于目标授权支付应用的支付额度阈值，并且通过该目标授权支付应用完成支付的次数小于该目标授权支付应用的支付次数阈值。也就是说，支付模块会判断通过目标授权支付应用的支付额度是否超过支付额度阈值，并判断通过目标授权支付应用的支付次数是否超过支付次数阈值。这样，就可以保证智能终端在无电状态下，支付次数和支付额度被限制，若发生意外情况，可以最大限度地减少损失。The payment request received by the payment module further includes the amount to be paid, and the amount to be paid is the amount initiated by the payment object device and needs to be paid by the current smart terminal. If the smart terminal satisfies the payment conditions, it can authorize the payment application to pay the payment target device the currency of the amount to be paid according to the target. Wherein, the payment condition may be: the sum of the paid amount and the amount to be paid by the target authorized payment application is less than or equal to the payment amount threshold of the target authorized payment application, and the number of times the payment is completed by the target authorized payment application is less than the target authorization The threshold for the number of payments for the payment application. That is to say, the payment module determines whether the payment amount of the payment application authorized by the target exceeds the payment amount threshold, and determines whether the payment times of the payment application authorized by the target exceeds the payment times threshold. In this way, it can be ensured that the number of payments and the payment amount of the smart terminal are limited when there is no electricity, and losses can be minimized in the event of an accident.

需要说明的是，支付模块若确定智能终端满足支付条件，则可以调用感应模块，通过感应模块将支付响应信息发送至支付对象设备。其中，该支付响应信息可以包括待支付额度的货币。It should be noted that, if the payment module determines that the smart terminal meets the payment conditions, it can call the induction module, and send the payment response information to the payment object device through the induction module. Wherein, the payment response information may include the currency of the amount to be paid.

通过本申请实施例，智能终端在无电状态下，支付模块若接收到支付对象设备发送的支付请求，就可以确定检测到在无电状态下的支付事件，进而可以根据支付请求中的目标授权支付应用的标识信息来确定使用哪一个支付应用进行支付。其中，支付模块在智能终端处于无电状态下是由感应模块进行供电的。当支付模块确定目标授权支付应用后，就可以获取到该目标授权支付应用对应的无电支付授权信息，该无电支付授权信息是智能终端在有电状态下，通过向业务服务器发送无电支付授权请求获取到的。该无电支付授权信息可以包括无电支付参数，无电支付参数中包括目标授权支付应用在无电状态下的支付额度阈值和/或支付次数阈值，以此来对智能终端在无电支付时的金额和次数进行限制，保证安全性。最终，支付模块可以根据该目标授权支付应用的无电支付授权信息包括的无电支付参数的指示，通过该目标授权支付应用向支付对象设备进行无电支付业务处理。通过该方法，可以使得智能终端处于无电状态下也能够完成支付。同时，通过无电支付授权信息来限制智能终端在无电状态下的支付金额和/或次数，可以提高智能终端无电支付的安全性。Through the embodiment of the present application, when the smart terminal is in a powerless state, if the payment module receives a payment request sent by the payment object device, it can determine that a payment event in the powerless state is detected, and then can authorize the payment according to the target in the payment request. The identification information of the payment application is used to determine which payment application is used for payment. Among them, the payment module is powered by the induction module when the smart terminal is in a powerless state. After the payment module determines the target authorized payment application, it can obtain the non-electric payment authorization information corresponding to the target authorized payment application. Obtained by authorization request. The electricity-free payment authorization information may include electricity-free payment parameters, and the electricity-free payment parameters include the payment amount threshold and/or the payment times threshold of the target authorized payment application in the electricity-free state, so as to provide information to the smart terminal when the payment is without electricity. The amount and number of times are limited to ensure security. Finally, the payment module may process the non-electric payment service to the payment object device through the target authorized payment application according to the indication of the non-electric payment parameter included in the non-electric payment authorization information of the target authorized payment application. Through this method, the smart terminal can be made to complete the payment even when the smart terminal is in a powerless state. At the same time, by limiting the payment amount and/or the number of times of the smart terminal in the power-off state through the power-off payment authorization information, the security of the smart terminal's power-off payment can be improved.

请参见图5，图5为本申请实施例提供的又一种在智能终端上的业务处理方法的流程示意图。当智能终端执行如图5所示的流程时，可以包括以下步骤：Referring to FIG. 5 , FIG. 5 is a schematic flowchart of another service processing method on an intelligent terminal provided by an embodiment of the present application. When the smart terminal executes the process shown in Figure 5, the following steps may be included:

510、支付模块向业务服务器发送待授权支付应用的无电支付授权请求。510. The payment module sends a non-electric payment authorization request of the payment application to be authorized to the service server.

520、支付模块接收到业务服务器发送的待授权支付应用的无电支付授权信息。520. The payment module receives the powerless payment authorization information sent by the service server for the payment application to be authorized.

530、支付模块将该待授权支付应用确定为授权支付应用。530. The payment module determines the to-be-authorized payment application as an authorized payment application.

其中，支付模块若接收到该待授权支付应用的无电支付授权信息就可以确定该待授权支付应用为授权支付应用。可以将该授权支付应用添加至授权支付应用集合中。Wherein, if the payment module receives the powerless payment authorization information of the payment application to be authorized, it can determine that the payment application to be authorized is an authorized payment application. The authorized payment application can be added to a collection of authorized payment applications.

540、支付模块与电源监测模块进行电量检测。540. The payment module and the power monitoring module perform power detection.

550、支付模块确定智能终端处于无电状态。550. The payment module determines that the smart terminal is in a no-power state.

在一种可能的实现方式中，电源监测模块可以在检测到智能终端即将进入无电状态时，向支付模块发送无电指示信息，支付模块通过该无电指示信息确定智能终端处于无电状态。In a possible implementation manner, the power monitoring module may send no-power indication information to the payment module when detecting that the smart terminal is about to enter a no-power state, and the payment module determines that the smart terminal is in a no-power state through the no-power indication information.

在一种可能的实现方式中，支付模块可以每隔一段预设的时间就向电源监测模块发送一个电量检测请求，当电源监测模块在预设的时长内未响应该电量检测请求，那么支付模块就确定此时智能终端处于无电状态。In a possible implementation manner, the payment module may send a power detection request to the power monitoring module at preset intervals. When the power monitoring module does not respond to the power detection request within a preset period of time, the payment module It is determined that the smart terminal is in a no-power state at this time.

560、支付模块接收支付对象设备发送的支付请求。560. The payment module receives a payment request sent by the payment object device.

570、支付模块确定目标授权支付应用。570. The payment module determines the target authorized payment application.

支付对象设备发送的支付请求中包括目标授权支付应用的标识，支付模块可以根据该标识确定目标授权支付应用，即确定将要用来进行支付业务处理的支付应用。The payment request sent by the payment object device includes the identifier of the target authorized payment application, and the payment module can determine the target authorized payment application according to the identifier, that is, determine the payment application to be used for payment service processing.

580、支付模块根据支付请求和目标授权支付应用的无电支付授权信息进行支付业务处理，向支付对象设备发送支付响应消息。580. The payment module performs payment service processing according to the payment request and the powerless payment authorization information of the target authorized payment application, and sends a payment response message to the payment object device.

其中，支付请求中还包括待支付金额，目标授权支付应用的无电支付授权信息包括无电支付参数，该无电支付参数中包括目标授权支付应用在无电状态下的支付额度阈值和/或支付次数阈值。Wherein, the payment request also includes the amount to be paid, and the electricity-free payment authorization information of the target authorized payment application includes electricity-free payment parameters, and the electricity-free payment parameters include the payment limit threshold and/or the electricity-free payment parameter of the target authorized payment application in the electricity-free state. The threshold for the number of payments.

通过本申请实施例，可以使得智能终端处于无电状态下也能够完成支付。并且，支付模块可以根据支付请求和目标授权支付应用的无电支付授权信息进行支付业务处理，使得智能终端在无电状态下的支付额度和支付次数受到限制，提高了无电支付的安全性。Through the embodiments of the present application, the smart terminal can be made to complete the payment even when the smart terminal is in a powerless state. In addition, the payment module can process the payment business according to the payment request and the powerless payment authorization information of the target authorized payment application, so that the payment amount and the number of payments of the smart terminal in the powerless state are limited, and the security of the powerless payment is improved.

请参见图6，图6为本申请实施例提供的在智能终端上的业务处理装置的单元示意图。图6所示的智能终端的装置可以用于执行上述图2所描述的方法实施例中的部分或全部功能。该装置可以是智能终端，也可以是智能终端中的装置，或者是能够和智能终端匹配使用的装置。Referring to FIG. 6 , FIG. 6 is a schematic diagram of a unit of a service processing apparatus on an intelligent terminal provided by an embodiment of the present application. The apparatus of the smart terminal shown in FIG. 6 may be used to perform some or all of the functions in the method embodiment described in FIG. 2 above. The device may be an intelligent terminal, or a device in an intelligent terminal, or a device that can be matched and used with the intelligent terminal.

该装置的逻辑结构可包括：获取单元610和处理单元620。当该装置被应用于智能终端时：The logical structure of the apparatus may include: an acquisition unit 610 and a processing unit 620 . When the device is applied to a smart terminal:

获取单元610，用于当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，目标授权支付应用的无电支付授权信息包括目标授权支付应用的无电支付参数，无电支付参数包括目标授权支付应用在无电状态下的支付额度阈值和/或支付次数阈值；The acquiring unit 610 is configured to acquire the non-electric payment authorization information of the target authorized payment application when a payment event in the non-electric state is detected, where the non-electric payment authorization information of the target authorized payment application includes the non-electric payment of the target authorized payment application parameters, the power-free payment parameters include the payment amount threshold and/or the payment times threshold of the target authorized payment application in the power-off state;

处理单元620，用于根据无电支付授权信息包括的无电支付参数的指示，通过目标授权支付应用向支付对象设备进行无电支付业务处理。The processing unit 620 is configured to process the non-electric payment service to the payment object device through the target authorized payment application according to the indication of the non-electric payment parameter included in the non-electric payment authorization information.

在一种可能的实现方式中，智能终端包括用于进行支付处理的支付模块和感应模块。In a possible implementation manner, the intelligent terminal includes a payment module and a sensing module for performing payment processing.

在一种可能的实现方式中，上述处理单元620还用于当检测到感应模块为支付模块提供电能，且感应模块检测到支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；上述获取单元610还用于获取目标授权支付应用的无电支付授权信息。In a possible implementation manner, the above-mentioned processing unit 620 is further configured to determine that a payment in a powerless state is detected when it is detected that the sensing module provides power to the payment module, and the sensing module detects a payment request from the payment object device Event; the above-mentioned obtaining unit 610 is further configured to obtain the powerless payment authorization information of the target authorized payment application.

在一种可能的实现方式中，感应模块储存有电能，感应模块储存的电能为智能终端和/或支付对象设备发送的电磁场提供的。In a possible implementation manner, the induction module stores electric energy, and the electric energy stored in the induction module is provided by the electromagnetic field sent by the smart terminal and/or the payment object device.

在一种可能的实现方式中，智能终端包括电源监测模块，电源监测模块用于对智能终端的电量进行监测。In a possible implementation manner, the smart terminal includes a power monitoring module, and the power monitoring module is used to monitor the power of the smart terminal.

在一种可能的实现方式中，上述处理单元620还用于当电源监测模块向支付模块发送无电指示信息，且感应模块检测到支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；上述获取单元610还用于获取目标授权支付应用的无电支付授权信息。In a possible implementation manner, the above-mentioned processing unit 620 is further configured to, when the power monitoring module sends no-power indication information to the payment module, and the sensing module detects the payment request of the payment object device, determine that the power-off state is detected The above-mentioned acquisition unit 610 is further configured to acquire the powerless payment authorization information of the target authorized payment application.

在一种可能的实现方式中，智能终端包括配置界面。In a possible implementation manner, the intelligent terminal includes a configuration interface.

在一种可能的实现方式中，上述获取单元610获取目标授权支付应用的无电支付授权信息之前，上述处理单元620还用于通过待授权支付应用的配置界面获取用户输入的待授权支付应用的无电支付配置信息，待授权支付应用的无电支付配置信息包括待授权支付应用的无电支付参数；根据待授权支付应用的无电支付配置信息生成待授权支付应用的无电支付授权请求；向业务服务器发送待授权支付应用的无电支付授权请求；接收到业务服务器发送的待授权支付应用的无电支付授权信息，并确定待授权支付应用为授权支付应用，将授权支付应用添加至授权支付应用集合中。In a possible implementation manner, before the acquisition unit 610 acquires the powerless payment authorization information of the target authorized payment application, the processing unit 620 is further configured to acquire the payment application to be authorized entered by the user through the configuration interface of the payment application to be authorized. Electricity-less payment configuration information, the electricityless payment configuration information of the payment application to be authorized includes electricityless payment parameters of the payment application to be authorized; generating the electricityless payment authorization request of the payment application to be authorized according to the electricityless payment configuration information of the payment application to be authorized; Sending the powerless payment authorization request of the payment application to be authorized to the service server; receiving the powerless payment authorization information of the payment application to be authorized sent by the service server, and determining that the payment application to be authorized is the authorized payment application, and adding the authorized payment application to the authorization payment application collection.

在一种可能的实现方式中，支付请求包括目标授权支付应用的标识。In a possible implementation manner, the payment request includes an identification of the target authorized payment application.

在一种可能的实现方式中，上述处理单元620还用于根据目标授权支付应用的标识从授权支付应用集合中确定出目标授权支付应用；上述获取单元610还用于获取目标授权支付应用的无电支付授权信息。In a possible implementation manner, the above-mentioned processing unit 620 is further configured to determine the target authorized payment application from the authorized payment application set according to the identifier of the target authorized payment application; the above-mentioned obtaining unit 610 is further configured to obtain the unauthorized payment application of the target authorized payment application. Electronic payment authorization information.

在一种可能的实现方式中，支付请求还包括待支付额度。In a possible implementation manner, the payment request further includes the amount to be paid.

在一种可能的实现方式中，上述处理单元620还用于若智能终端满足支付条件，则通过目标授权支付应用向支付对象设备发送支付响应信息，支付条件包括通过目标授权支付应用的已支付额度和待支付额度的和小于或等于目标授权支付应用的支付额度阈值，且通过目标授权支付应用完成支付的次数小于目标授权支付应用的支付次数阈值；支付响应信息包括待支付额度的货币。In a possible implementation manner, the above-mentioned processing unit 620 is further configured to send payment response information to the payment object device through the target authorized payment application if the smart terminal satisfies the payment conditions, where the payment conditions include the amount paid through the target authorized payment application The sum of the amount to be paid and the amount to be paid is less than or equal to the payment amount threshold of the target authorized payment application, and the number of payments completed by the target authorized payment application is less than the payment times threshold of the target authorized payment application; the payment response information includes the currency of the amount to be paid.

请参见图7，图7为本申请实施例提供的一种在智能终端上的业务处理装置的实体结构简化示意图，该装置包括处理器710、存储器720、通信接口730和用户接口740，该处理器710、存储器720、通信接口730以及用户接口740通过一条或多条通信总线连接。Please refer to FIG. 7. FIG. 7 is a simplified schematic diagram of the entity structure of a service processing apparatus on an intelligent terminal provided by an embodiment of the present application. The apparatus includes a processor 710, a memory 720, a communication interface 730, and a user interface 740. The processing The controller 710, the memory 720, the communication interface 730, and the user interface 740 are connected by one or more communication buses.

处理器710被配置为支持数据传输装置执行图2中方法相应的功能。应理解，本申请实施例中，所述处理器710可以为中央处理单元(central processing unit，简称CPU)，该处理器还可以是其他通用处理器、数字信号处理器(digital signal processor，简称DSP)、专用集成电路(application specific integrated circuit，简称ASIC)、现成可编程门阵列(field programmable gate array，简称FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等。The processor 710 is configured to support the data transmission apparatus to perform functions corresponding to the method in FIG. 2 . It should be understood that in this embodiment of the present application, the processor 710 may be a central processing unit (central processing unit, CPU for short), and the processor may also be other general-purpose processors, digital signal processors (digital signal processor, DSP for short) ), application specific integrated circuit (ASIC), off-the-shelf programmable gate array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

存储器720用于存储程序代码等。本申请实施例中的存储器720可以是易失性存储器或非易失性存储器，或可包括易失性和非易失性存储器两者。其中，非易失性存储器可以是只读存储器(read-only memory，简称ROM)、可编程只读存储器(programmable ROM，简称PROM)、可擦除可编程只读存储器(erasable PROM，简称EPROM)、电可擦除可编程只读存储器(electrically EPROM，简称EEPROM)或闪存。易失性存储器可以是随机存取存储器(random access memory，简称RAM)，其用作外部高速缓存。通过示例性但不是限制性说明，许多形式的随机存取存储器(random access memory，简称RAM)可用，例如静态随机存取存储器(static RAM，简称SRAM)、动态随机存取存储器(DRAM)、同步动态随机存取存储器(synchronous DRAM，简称SDRAM)、双倍数据速率同步动态随机存取存储器(double data rate SDRAM，简称DDR SDRAM)、增强型同步动态随机存取存储器(enhanced SDRAM，简称ESDRAM)、同步连接动态随机存取存储器(synchlink DRAM，简称SLDRAM)和直接内存总线随机存取存储器(direct rambus RAM，简称DR RAM)。The memory 720 is used to store program codes and the like. The memory 720 in this embodiment of the present application may be a volatile memory or a nonvolatile memory, or may include both volatile and nonvolatile memory. The non-volatile memory may be read-only memory (ROM for short), programmable read-only memory (PROM for short), erasable programmable read-only memory (EPROM for short) , Electrically Erasable Programmable Read-Only Memory (electrically EPROM, EEPROM for short) or flash memory. Volatile memory may be random access memory (RAM), which acts as an external cache. By way of example and not limitation, many forms of random access memory (RAM) are available, such as static random access memory (SRAM), dynamic random access memory (DRAM), synchronous Dynamic random access memory (synchronous DRAM, referred to as SDRAM), double data rate synchronous dynamic random access memory (double data rate SDRAM, referred to as DDR SDRAM), enhanced synchronous dynamic random access memory (enhanced SDRAM, referred to as ESDRAM), Synchronous connection dynamic random access memory (synchlink DRAM, referred to as SLDRAM) and direct memory bus random access memory (direct rambus RAM, referred to as DR RAM).

通信接口730用于收发数据、信息或消息等，也可以描述为收发器、收发电路等。The communication interface 730 is used to send and receive data, information or messages, etc., and can also be described as a transceiver, a transceiver circuit, and the like.

用户接口740是实现用户与终端进行交互和信息交换的媒介，其具体体现可以包括用于输出的显示屏(Display)以及用于输入的键盘(Keyboard)、触摸屏等等，需要说明的是，此处的键盘既可以为实体键盘，也可以为触屏虚拟键盘，还可以为实体与触屏虚拟相结合的键盘。The user interface 740 is a medium for realizing interaction and information exchange between the user and the terminal, and its specific embodiment may include a display screen (Display) for output, a keyboard (Keyboard) for input, a touch screen, etc. It should be noted that this The keyboard at the location can be either a physical keyboard, a touch-screen virtual keyboard, or a keyboard that combines physical and touch-screen virtual keyboards.

在本申请实施例中，当该数据传输装置应用智能终端时，该处理器710可以调用存储器720中存储的程序代码以执行以下操作：In this embodiment of the present application, when the data transmission apparatus applies a smart terminal, the processor 710 can call the program code stored in the memory 720 to perform the following operations:

处理器710调用存储器720中存储的程序代码当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，目标授权支付应用的无电支付授权信息包括目标授权支付应用的无电支付参数，无电支付参数包括目标授权支付应用在无电状态下的支付额度阈值和/或支付次数阈值；The processor 710 invokes the program code stored in the memory 720 to obtain the non-electric payment authorization information of the target authorized payment application when detecting a payment event in the non-electric state, and the non-electric payment authorization information of the target authorized payment application includes the target authorized payment The powerless payment parameters of the application, the powerless payment parameters include the payment amount threshold and/or the payment times threshold of the target authorized payment application in the powerless state;

处理器710调用存储器720中存储的程序代码根据无电支付授权信息包括的无电支付参数的指示，通过目标授权支付应用向支付对象设备进行无电支付业务处理。The processor 710 invokes the program code stored in the memory 720 to process the non-electric payment service to the payment object device through the target authorized payment application according to the indication of the non-electric payment parameter included in the non-electric payment authorization information.

在一种可能的实现方式中，处理器710调用存储器720中存储的程序代码当检测到感应模块为支付模块提供电能，且感应模块检测到支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；获取目标授权支付应用的无电支付授权信息。In a possible implementation manner, the processor 710 calls the program code stored in the memory 720 and determines that it is detected that there is no electricity when it is detected that the sensing module provides power to the payment module, and the sensing module detects a payment request from the payment object device. The payment event in the state; obtains the powerless payment authorization information of the target authorized payment application.

在一种可能的实现方式中，处理器710调用存储器720中存储的程序代码当电源监测模块向支付模块发送无电指示信息，且感应模块检测到支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；获取目标授权支付应用的无电支付授权信息。In a possible implementation manner, the processor 710 calls the program code stored in the memory 720, when the power monitoring module sends no-power indication information to the payment module, and the sensing module detects a payment request from the payment object device, it determines that the Payment events in the power-off state; obtain the power-off payment authorization information of the target authorized payment application.

在一种可能的实现方式中，处理器710调用存储器720中存储的程序代码获取目标授权支付应用的无电支付授权信息之前，通过待授权支付应用的配置界面(即通过用户接口740)获取用户输入的待授权支付应用的无电支付配置信息，待授权支付应用的无电支付配置信息包括待授权支付应用的无电支付参数；根据待授权支付应用的无电支付配置信息生成待授权支付应用的无电支付授权请求；向业务服务器发送待授权支付应用的无电支付授权请求；接收到业务服务器发送的待授权支付应用的无电支付授权信息，并确定待授权支付应用为授权支付应用，将授权支付应用添加至授权支付应用集合中。In a possible implementation manner, before the processor 710 invokes the program code stored in the memory 720 to acquire the powerless payment authorization information of the target authorized payment application, it acquires the user through the configuration interface of the payment application to be authorized (ie, through the user interface 740 ). The input non-electric payment configuration information of the payment application to be authorized, the non-electric payment configuration information of the payment application to be authorized includes the non-electric payment parameters of the payment application to be authorized; generate the payment application to be authorized according to the non-electric payment configuration information of the payment application to be authorized send the authorization request for payment without electricity of the payment application to be authorized to the service server; receive the authorization information for payment without electricity of the payment application to be authorized sent by the service server, and determine that the payment application to be authorized is an authorized payment application, Add the authorized payment application to the authorized payment application collection.

在一种可能的实现方式中，处理器710调用存储器720中存储的程序代码根据目标授权支付应用的标识从授权支付应用集合中确定出目标授权支付应用；获取目标授权支付应用的无电支付授权信息。In a possible implementation manner, the processor 710 invokes the program code stored in the memory 720 to determine the target authorized payment application from the authorized payment application set according to the identifier of the target authorized payment application; obtains the powerless payment authorization of the target authorized payment application information.

在一种可能的实现方式中，处理器710调用存储器720中存储的程序代码若智能终端满足支付条件，则通过目标授权支付应用向支付对象设备发送支付响应信息，支付条件包括通过目标授权支付应用的已支付额度和待支付额度的和小于或等于目标授权支付应用的支付额度阈值，且通过目标授权支付应用完成支付的次数小于目标授权支付应用的支付次数阈值；支付响应信息包括待支付额度的货币。In a possible implementation manner, the processor 710 calls the program code stored in the memory 720 to send payment response information to the payment object device through the target authorized payment application if the smart terminal satisfies the payment conditions, and the payment conditions include the target authorized payment application The sum of the paid amount and the amount to be paid is less than or equal to the payment amount threshold of the target authorized payment application, and the number of times the payment is completed through the target authorized payment application is less than the payment times threshold of the target authorized payment application; the payment response information includes the amount of the amount to be paid. currency.

需要说明的是，在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详细描述的部分，可以参见其他实施例的相关描述。It should be noted that, in the foregoing embodiments, the description of each embodiment has its own emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to the relevant descriptions of other embodiments.

本发明实施例方法中的步骤可以根据实际需要进行顺序调整、合并和删减。The steps in the method of the embodiment of the present invention may be adjusted, combined and deleted in sequence according to actual needs.

本发明实施例处理设备中的单元可以根据实际需要进行合并、划分和删减。The units in the processing device in the embodiment of the present invention may be combined, divided, and deleted according to actual needs.

在上述实施例中，可以全部或部分地通过软件、硬件、固件或者其任意组合来实现。当使用软件实现时，可以全部或部分地以计算机程序产品的形式实现。计算机程序产品包括一个或多个计算机指令。在计算机上加载和执行计算机程序指令时，全部或部分地产生按照本申请实施例的流程或功能。计算机可以是通用计算机、专用计算机、计算机网络、或者其他可编程装置。计算机指令可以存储在计算机可读存储介质中，或者从一个计算机可读存储介质向另一个计算机可读存储介质传输，例如，计算机指令可以从一个网站站点、计算机、服务器或数据中心通过有线(例如同轴电缆、光纤、数字用户线)或无线(例如红外、无线、微波等)方式向另一个网站站点、计算机、服务器或数据中心进行传输。计算机可读存储介质可以是计算机能够存取的任何可用介质或者是包含一个或多个可用介质集成的服务器、数据中心等数据存储设备。可用介质可以是磁性介质，(例如，软盘、存储盘、磁带)、光介质(例如，DVD)、或者半导体介质(例如固态存储盘Solid State Disk(SSD))等。In the above-mentioned embodiments, it may be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented in software, it can be implemented in whole or in part in the form of a computer program product. A computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the procedures or functions according to the embodiments of the present application are generated in whole or in part. The computer may be a general purpose computer, a special purpose computer, a computer network, or other programmable device. Computer instructions may be stored on or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, the computer instructions may be transmitted from a website site, computer, server, or data center over a wire (e.g. coaxial cable, optical fiber, digital subscriber line) or wireless (eg infrared, wireless, microwave, etc.) means to another website site, computer, server or data center. A computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device such as a server, data center, or the like that contains one or more of the available mediums integrated. Useful media may be magnetic media (eg, floppy disks, storage disks, magnetic tapes), optical media (eg, DVD), or semiconductor media (eg, Solid State Disk (SSD)), among others.

最后应说明的是：以上各实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述各实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分或者全部技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的范围。Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, but not to limit them; although the present application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: The technical solutions described in the foregoing embodiments can still be modified, or some or all of the technical features thereof can be equivalently replaced; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the technical solutions of the embodiments of the present application. scope.

Claims

一种在智能终端上的业务处理方法，其中，所述方法应用在智能终端中，所述方法包括：A service processing method on an intelligent terminal, wherein the method is applied in the intelligent terminal, and the method includes:

当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，所述目标授权支付应用的无电支付授权信息包括所述目标授权支付应用的无电支付参数，所述无电支付参数包括所述目标授权支付应用在无电状态下的支付额度阈值和/或支付次数阈值；When a payment event in a powerless state is detected, the powerless payment authorization information of the target authorized payment application is obtained, where the powerless payment authorization information of the target authorized payment application includes the powerless payment parameter of the target authorized payment application, The non-electricity payment parameter includes a payment amount threshold and/or a payment times threshold of the target authorized payment application in a non-electrical state;

根据所述无电支付授权信息包括的无电支付参数的指示，通过所述目标授权支付应用向支付对象设备进行无电支付业务处理。According to the indication of the non-electrical payment parameter included in the non-electrical payment authorization information, the non-electrical payment service processing is performed to the payment object device through the target authorized payment application.
根据权利要求1所述的方法，其中，所述智能终端包括用于进行支付处理的支付模块和感应模块；The method of claim 1, wherein the intelligent terminal comprises a payment module and an induction module for performing payment processing;

所述当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，包括：When a payment event in a powerless state is detected, the powerless payment authorization information of the target authorized payment application is obtained, including:

当检测到所述感应模块为所述支付模块提供电能，且所述感应模块检测到所述支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；When it is detected that the sensing module provides power to the payment module, and the sensing module detects a payment request from the payment object device, it is determined that a payment event in a no-power state is detected;

获取所述目标授权支付应用的无电支付授权信息。Obtain the powerless payment authorization information of the target authorized payment application.
根据权利要求2所述的方法，其中，所述感应模块储存有电能，所述感应模块储存的电能为所述智能终端和/或所述支付对象设备发送的电磁场提供的。The method according to claim 2, wherein the induction module stores electric energy, and the electric energy stored by the induction module is provided by the electromagnetic field sent by the smart terminal and/or the payment object device.
根据权利要求1所述的方法，其中，所述智能终端包括电源监测模块，所述电源监测模块用于对所述智能终端的电量进行监测；The method according to claim 1, wherein the smart terminal comprises a power monitoring module, and the power monitoring module is configured to monitor the power of the smart terminal;

所述当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，包括：When a payment event in a powerless state is detected, the powerless payment authorization information of the target authorized payment application is obtained, including:

当所述电源监测模块向支付模块发送无电指示信息，且感应模块检测到所述支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；When the power monitoring module sends no-power indication information to the payment module, and the sensing module detects the payment request of the payment object device, it is determined that a payment event in a no-power state is detected;

获取所述目标授权支付应用的无电支付授权信息。Obtain the powerless payment authorization information of the target authorized payment application.
根据权利要求1所述的方法，其中，所述智能终端包括配置界面；The method of claim 1, wherein the intelligent terminal includes a configuration interface;

所述获取目标授权支付应用的无电支付授权信息之前，所述方法还包括：Before acquiring the powerless payment authorization information of the target authorized payment application, the method further includes:

通过待授权支付应用的所述配置界面获取用户输入的所述待授权支付应用的无电支付配置信息，所述待授权支付应用的无电支付配置信息包括所述待授权支付应用的无电支付参数；Through the configuration interface of the payment application to be authorized, the non-electric payment configuration information of the to-be-authorized payment application input by the user is obtained, and the non-electric payment configuration information of the to-be-authorized payment application includes the non-electric payment of the to-be-authorized payment application parameter;

根据所述待授权支付应用的无电支付配置信息生成所述待授权支付应用的无电支付授权请求；generating a non-electric payment authorization request of the to-be-authorized payment application according to the non-electric payment configuration information of the to-be-authorized payment application;

向业务服务器发送所述待授权支付应用的无电支付授权请求；Sending the powerless payment authorization request of the payment application to be authorized to the service server;

接收到所述业务服务器发送的所述待授权支付应用的无电支付授权信息，并确定所述待授权支付应用为授权支付应用，将所述授权支付应用添加至授权支付应用集合中。Receive the powerless payment authorization information of the payment application to be authorized sent by the service server, determine that the payment application to be authorized is an authorized payment application, and add the authorized payment application to the authorized payment application set.
根据权利要求5所述的方法，其中，支付请求包括目标授权支付应用的标识；The method of claim 5, wherein the payment request includes an identification of the target authorized payment application;

所述获取目标授权支付应用的无电支付授权信息，包括：The acquisition of the powerless payment authorization information of the target authorized payment application includes:

根据所述目标授权支付应用的标识从所述授权支付应用集合中确定出所述目标授权支付应用；Determine the target authorized payment application from the authorized payment application set according to the identifier of the target authorized payment application;

获取目标授权支付应用的无电支付授权信息。Obtain the powerless payment authorization information of the target authorized payment application.
根据权利要求1所述的方法，其中，支付请求还包括待支付额度；The method according to claim 1, wherein the payment request further includes the amount to be paid;

所述根据所述无电支付授权信息包括的无电支付参数的指示，通过所述目标授权支付应用向支付对象设备进行无电支付业务处理，包括：According to the indication of the non-electrical payment parameter included in the non-electrical payment authorization information, the non-electrical payment service processing is performed to the payment object device through the target authorized payment application, including:

若所述智能终端满足支付条件，则通过所述目标授权支付应用向所述支付对象设备发送支付响应信息，所述支付条件包括通过所述目标授权支付应用的已支付额度和所述待支付额度的和小于或等于所述目标授权支付应用的支付额度阈值，且通过所述目标授权支付应用完成支付的次数小于所述目标授权支付应用的支付次数阈值；所述支付响应信息包括所述待支付额度的货币。If the smart terminal satisfies the payment conditions, send payment response information to the payment object device through the target authorized payment application, and the payment conditions include the paid amount and the to-be-paid amount through the target authorized payment application The sum is less than or equal to the payment amount threshold of the target authorized payment application, and the number of times that the payment is completed through the target authorized payment application is less than the payment times threshold of the target authorized payment application; the payment response information includes the to-be-paid amount of currency.
一种在智能终端上的业务处理装置，其中，包括：A service processing device on an intelligent terminal, comprising:

获取单元，用于当检测到在无电状态下的支付事件时，获取目标授权支付应用的无电支付授权信息，所述目标授权支付应用的无电支付授权信息包括所述目标授权支付应用的无电支付参数，所述无电支付参数包括所述目标授权支付应用的支付额度阈值和/或支付次数阈值；The acquiring unit is configured to acquire the non-electric payment authorization information of the target authorized payment application when the payment event in the non-electric state is detected, the non-electric payment authorization information of the target authorized payment application includes the non-electric payment authorization information of the target authorized payment application; Electricity-free payment parameters, which include payment amount thresholds and/or payment times thresholds of the target authorized payment application;

处理单元，用于根据所述无电支付授权信息包括的无电支付参数的指示，通过所述目标授权支付应用向支付对象设备进行无电支付业务处理。The processing unit is configured to, according to the indication of the non-electrical payment parameter included in the non-electrical payment authorization information, perform non-electrical payment service processing to the payment object device through the target authorized payment application.
根据权利要求8所述的装置，其中，所述智能终端包括用于进行支付处理的支付模块和感应模块。The apparatus of claim 8, wherein the smart terminal includes a payment module and an induction module for payment processing.
根据权利要求9所述的装置，其中，The apparatus of claim 9, wherein,

所述处理单元，还用于当检测到所述感应模块为所述支付模块提供电能，且所述感应模块检测到所述支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；The processing unit is further configured to, when it is detected that the sensing module provides power to the payment module, and the sensing module detects a payment request from the payment object device, determine that payment in a powerless state is detected event;

获取单元还用于，获取所述目标授权支付应用的无电支付授权信息。The acquiring unit is further configured to acquire the powerless payment authorization information of the target authorized payment application.
根据权利要求9所述的装置，其中，所述感应模块储存有电能，所述感应模块储存的电能为所述智能终端和/或所述支付对象设备发送的电磁场提供的。The device according to claim 9, wherein the induction module stores electric energy, and the electric energy stored by the induction module is provided by the electromagnetic field sent by the smart terminal and/or the payment object device.
根据权利要求9所述的装置，其中，所述智能终端还包括电源监测模块，所述电源监测模块用于对所述智能终端的电量进行监测。The device according to claim 9, wherein the smart terminal further comprises a power monitoring module, and the power monitoring module is configured to monitor the power of the smart terminal.
根据权利要求12所述的装置，其中，The apparatus of claim 12, wherein,

所述处理单元，还用于当所述电源监测模块向所述支付模块发送无电指示信息，且所述感应模块检测到所述支付对象设备的支付请求时，确定检测到在无电状态下的支付事件；The processing unit is further configured to, when the power monitoring module sends no-power indication information to the payment module, and the sensing module detects a payment request from the payment object device, determine that a power-off state is detected payment event;

所述获取单元，还用于获取所述目标授权支付应用的无电支付授权信息。The acquiring unit is further configured to acquire the powerless payment authorization information of the target authorized payment application.
根据权利要求8所述的装置，其中，所述智能终端包括配置界面。The apparatus of claim 8, wherein the intelligent terminal includes a configuration interface.
根据权利要求14所述的装置，其中，所述处理单元还用于：The apparatus of claim 14, wherein the processing unit is further configured to:

通过待授权支付应用的所述配置界面获取用户输入的所述待授权支付应用的无电支付配置信息，所述待授权支付应用的无电支付配置信息包括所述待授权支付应用的无电支付参数；Through the configuration interface of the payment application to be authorized, the non-electric payment configuration information of the to-be-authorized payment application input by the user is obtained, and the non-electric payment configuration information of the to-be-authorized payment application includes the non-electric payment of the to-be-authorized payment application parameter;

根据所述待授权支付应用的无电支付配置信息生成所述待授权支付应用的无电支付授权请求；generating a non-electric payment authorization request of the to-be-authorized payment application according to the non-electric payment configuration information of the to-be-authorized payment application;

向业务服务器发送所述待授权支付应用的无电支付授权请求；Sending the powerless payment authorization request of the payment application to be authorized to the service server;

接收到所述业务服务器发送的所述待授权支付应用的无电支付授权信息，并确定所述待授权支付应用为授权支付应用，将所述授权支付应用添加至授权支付应用集合中。Receive the powerless payment authorization information of the payment application to be authorized sent by the service server, determine that the payment application to be authorized is an authorized payment application, and add the authorized payment application to the authorized payment application set.
根据权利要求15所述的装置，其中，支付请求包括目标授权支付应用的标识，所述处理单元还用于：The apparatus according to claim 15, wherein the payment request includes an identification of the target authorized payment application, and the processing unit is further configured to:

根据所述目标授权支付应用的标识从所述授权支付应用集合中确定出所述目标授权支付应用；Determine the target authorized payment application from the authorized payment application set according to the identifier of the target authorized payment application;

获取目标授权支付应用的无电支付授权信息。Obtain the powerless payment authorization information of the target authorized payment application.
根据权利要求8所述的装置，其中，支付请求还包括待支付额度。The apparatus of claim 8, wherein the payment request further includes an amount to be paid.
根据权利要求8所述的装置，其中，所述处理单元还用于：The apparatus of claim 8, wherein the processing unit is further configured to:

若所述智能终端满足支付条件，则通过所述目标授权支付应用向所述支付对象设备发送支付响应信息，所述支付条件包括通过所述目标授权支付应用的已支付额度和所述待支付额度的和小于或等于所述目标授权支付应用的支付额度阈值，且通过所述目标授权支付应用完成支付的次数小于所述目标授权支付应用的支付次数阈值；所述支付响应信息包括所述待支付额度的货币。If the smart terminal satisfies the payment conditions, send payment response information to the payment object device through the target authorized payment application, and the payment conditions include the paid amount and the to-be-paid amount through the target authorized payment application The sum is less than or equal to the payment amount threshold of the target authorized payment application, and the number of times that the payment is completed through the target authorized payment application is less than the payment times threshold of the target authorized payment application; the payment response information includes the to-be-paid amount of currency.
一种在智能终端上的业务处理装置，其中，包括处理器、存储器和用户接口，所述处理器、所述存储器和所述用户接口相互连接，其中，所述存储器用于存储计算机程序，所述计算机程序包括程序指令，所述处理器被配置用于调用所述程序指令，执行如权利要求1至7中任一项所述的在智能终端上的业务处理方法。A service processing device on an intelligent terminal, comprising a processor, a memory and a user interface, wherein the processor, the memory and the user interface are connected to each other, wherein the memory is used to store a computer program, and the The computer program includes program instructions, and the processor is configured to invoke the program instructions to execute the service processing method on an intelligent terminal according to any one of claims 1 to 7.
一种计算机可读存储介质，其中，所述计算机可读存储介质存储有一条或多条指令，所述一条或多条指令适于由处理器加载并执行如权利要求1至7中任一项所述的在智能终端上的业务处理方法。A computer-readable storage medium, wherein the computer-readable storage medium stores one or more instructions adapted to be loaded and executed by a processor as in any one of claims 1 to 7 The service processing method on the intelligent terminal.