為了使本技術領域的人員更好地理解本發明中的技術方案，下面將結合本發明實施例中的圖式，對本發明實施例中的技術方案進行清楚、完整地描述，顯然，所描述的實施例僅僅是本發明一部分實施例，而不是全部的實施例。基於本發明中的實施例，本領域普通技術人員在沒有作出創造性勞動前提下所獲得的所有其他實施例，都應當屬於本發明保護的範圍。
本發明實施例提供了一種設備支付方法及裝置，可以在物聯網設備上實現支付功能，擴大用戶的支付場景，其中，物聯網設備具有NB-IoT(Narrow Band Internet of Things，窄帶物聯網)通信功能。NB-IoT是一種基於蜂巢式網路的窄帶物聯網，是IoT領域一個新興的技術，支援低功耗設備在廣域網路的蜂巢式資料連接，支援待機時間長、對網路連接要求較高設備的高效連接。NB-IoT也稱為LPWAN(Low-Power Wide-Area Network，低功耗廣域網路)。
圖1是本發明一實施例提供的設備支付方法的應用場景圖，如圖1所示，該場景包括物聯網設備100、行動終端200和伺服器300，物聯網設備100可以為可穿戴設備或智慧家電，可穿戴設備可以為手錶、手環等，智慧家電可以為冰箱、洗衣機、電鍋、空調等。圖1中以物聯網設備100為手環進行示意。物聯網設備100中安裝有NB-IoT通信模組，物聯網設備100可以利用該NB-IoT通信模組通過NB-IoT通信方式與伺服器300通信。行動終端200可以為手機、電腦、平板電腦等，行動終端200可以與物聯網設備100和伺服器300通信。伺服器300可以為支付平臺的後臺伺服器，伺服器300可以與物聯網設備100和行動終端200通信。
圖2為本發明一實施例提供的設備支付方法的流程示意圖，該方法可以應用於物聯網設備，由物聯網設備執行，如圖2所示，該流程包括以下步驟：
步驟S202，通過NB-IoT通信方式向伺服器發送支付功能開通請求，並通過NB-IoT通信方式接收伺服器根據支付功能開通請求返回的應答資訊；
步驟S204，若該應答資訊用於表示允許開通支付功能，則向行動終端傳輸帳戶綁定請求；其中，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；
步驟S206，通過NB-IoT通信方式接收伺服器下發的目標支付帳戶的支付標識，並儲存該支付標識；
其中，目標支付帳戶的支付標識由伺服器根據行動終端發送的綁定通知訊息發送，綁定通知訊息由行動終端根據上述帳戶綁定請求發送，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定，支付標識用於在目標支付帳戶中進行扣款操作。
本實施例中，通過目標支付帳戶的支付標識可以在目標支付帳戶中進行扣款。該支付標識可以為一串字串，可以由伺服器為目標支付帳戶產生。不同支付帳戶的支付標識各不相同。伺服器在獲取到目標支付帳戶的支付標識後，可以根據該支付標識，以及預先記錄的支付標識和帳戶標識之間的對應關係，確定目標支付帳戶的帳戶標識，根據目標支付帳戶的帳戶標識，在目標支付帳戶中進行扣款操作。
可見，本發明實施例中，物聯網設備能夠通過NB-IoT通信方式向伺服器發送支付功能開通請求，並通過NB-IoT通信方式接收伺服器根據支付功能開通請求返回的應答資訊，並在該應答資訊用於表示允許開通支付功能時，向行動終端傳輸帳戶綁定請求，以請求將行動終端中的目標支付帳戶與物聯網設備進行綁定，並通過NB-IoT通信方式接收伺服器下發的目標支付帳戶的支付標識並儲存，由於該支付標識用於在目標支付帳戶中進行扣款操作，因此物聯網設備基於該支付標識能夠實現支付功能，從而擴大用戶的支付場景。
本實施例中，由於物聯網設備可以通過NB-IoT通信方式與伺服器通信，因此物聯網設備運行支援NB-IoT的系統即可。由於支援NB-IoT的系統(比如單片機系統)通常較為簡單，開發難度低，因此大大降低了物聯網設備的系統開發成本，使得在智慧家電及可穿戴設備上也能夠通過簡單的開發過程實現支付功能。
上述步驟S202中，物聯網設備通過NB-IoT通信方式向伺服器發送支付功能開通請求，該支付功能開通請求可以攜帶有物聯網設備的設備特徵資訊，如設備標識，伺服器可以根據支付功能開通請求，驗證物聯網設備是否為允許開通支付功能的設備，若是，則伺服器通過NB-IoT通信方式向物聯網設備返回用於表示允許開通支付功能的應答資訊，若不是，則伺服器通過NB-IoT通信方式向物聯網設備返回用於表示不允許開通支付功能的應答資訊。
上述步驟S202中，物聯網設備通過NB-IoT通信方式接收伺服器根據支付功能開通請求返回的應答資訊。物聯網設備還判斷該應答資訊是否用於表示允許開通支付功能，若是，則物聯網設備執行上述步驟S204。
步驟S204，物聯網設備向行動終端傳輸帳戶綁定請求，該帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定，在將行動終端中的目標支付帳戶與物聯網設備綁定成功後，物聯網設備即可通過該目標支付帳戶實現支付功能。物聯網設備可以通過藍牙、WiFi(Wireless-Fidelity，無線保真)、紅外線、二維條碼、聲波等通信手段向行動終端傳輸帳戶綁定請求。
比如，物聯網設備通過藍牙、WiFi、紅外線、聲波中的任一種方式將帳戶綁定請求發送給行動終端，或者，物聯網設備顯示帳戶綁定請求對應的二維條碼，行動終端通過掃碼的方式，從物聯網設備處獲取帳戶綁定請求。
行動終端接收到帳戶綁定請求後，可以對用戶進行身份驗證，驗證通過後，行動終端產生帳戶綁定詢問資訊，帳戶綁定詢問資訊用於詢問用戶是否允許將目標支付帳戶與物聯網設備進行綁定，行動終端接收用戶針對帳戶綁定詢問資訊的回答資訊，若該回答資訊表示用戶允許將目標支付帳戶與物聯網設備進行綁定，則行動終端向伺服器發送綁定通知訊息，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定。行動終端可以通過WIFI、4G等方式向伺服器發送綁定通知訊息。
伺服器接收到綁定通知訊息後，可以判斷該物聯網設備對應的已綁定帳戶的數量是否大於第一數量閾值，以及判斷目標支付帳戶對應的已綁定設備的數量是否大於第二數量閾值，若該物聯網設備對應的已綁定帳戶的數量不大於第一數量閾值，且，目標支付帳戶對應的已綁定設備的數量不大於第二數量閾值，則伺服器將目標支付帳戶與該物聯網設備進行綁定。綁定過程可以為：伺服器在資料庫內中儲存綁定記錄，該綁定記錄通過一一對應的方式記錄有目標支付帳戶的帳戶標識和物聯網設備的設備標識，以表示目標支付帳戶和該物聯網設備相互綁定。
伺服器將行動終端中的目標支付帳戶與物聯網設備進行綁定後，通過NB-IoT通信方式向物聯網設備下發目標支付帳戶的支付標識，從而物聯網設備執行上述步驟S206，通過NB-IoT通信方式接收伺服器下發的目標支付帳戶的支付標識，並儲存該支付標識，該支付標識用於在目標支付帳戶中進行扣款操作。根據前面描述可知，目標支付帳戶的支付標識由伺服器根據行動終端發送的綁定通知訊息發送，綁定通知訊息由行動終端根據物聯網設備傳輸的帳戶綁定請求發送。
圖3為本發明一實施例提供的帳戶綁定的流程示意圖，如圖3所示，該流程包括：
步驟S302，物聯網設備根據用戶操作，通過NB-IoT通信方式向伺服器發送支付功能開通請求。
該步驟中，用戶操作可以為點擊“開通支付功能”的按鈕的操作。支付功能開通請求中攜帶有物聯網設備的設備特徵資訊，如設備標識。
步驟S304，伺服器根據支付功能開通請求，通過NB-IoT通信方式向物聯網設備返回表示允許開通支付功能的應答資訊。
該步驟中，伺服器從支付開通請求中提取得到物聯網設備的設備特徵資訊，若根據該設備特徵資訊，確定該物聯網設備為允許開通支付功能的設備，則伺服器向物聯網設備返回表示允許開通支付功能的應答資訊，該應答資訊攜帶有伺服器為該物聯網設備產生的唯一字串，該唯一字串用於標識該物聯網設備，唯一字串又可以為稱為token。
步驟S306，物聯網設備通過NB-IoT通信方式接收伺服器發送的應答資訊，根據該應答資訊，向行動終端傳輸帳戶綁定請求。
該步驟中，帳戶綁定請求攜帶有上述的唯一字串，還可以攜帶有物聯網設備的設備特徵資訊。物聯網設備可以根據伺服器的應答資訊，產生二維條碼，該二維條碼中攜帶有帳戶綁定請求，從而通過顯示二維條碼的方式向行動終端傳輸帳戶綁定請求，行動終端通過掃碼的方式獲取帳戶綁定請求。
步驟S308，行動終端從物聯網設備處獲取帳戶綁定請求，向伺服器發送帳戶綁定通知。
該步驟中，行動終端根據帳戶綁定請求，對用戶進行身份驗證並詢問用戶是否允許將物聯網設備和目標支付帳戶進行綁定。若用戶身份驗證通過並且用戶允許綁定，則行動終端向伺服器發送帳戶綁定通知，該帳戶綁定通知中攜帶有上述的唯一字串以及物聯網設備的設備特徵資訊，還可以攜帶有用戶身份資訊和目標支付帳戶的帳戶標識。行動終端對用戶進行身份認證的方式包括但不限於：帳號密碼認證、生物識別認證、動態token認證、手機簡訊認證等。
步驟S310，伺服器根據帳戶綁定通知，將行動終端中的目標支付帳戶與物聯網設備進行綁定。
該步驟中，伺服器接收到帳戶綁定通知後，從該通知中解析得到上述的唯一字串和帳戶標識，根據該唯一字串確定待綁定的物聯網設備，根據該帳戶標識確定待綁定的目標支付帳戶，從而將目標支付帳戶和物聯網設備進行綁定。
步驟S312，伺服器通過NB-IoT通信方式向物聯網設備下發目標支付帳戶的支付標識。
步驟S314，物聯網設備儲存目標支付帳戶的支付標識，以通過支付標識進行支付操作。
圖4為本發明另一實施例提供的設備支付方法的流程示意圖，該方法可以應用於物聯網設備，由物聯網設備執行，如圖4所示，該流程在圖2的基礎上，還包括：
步驟S208，根據目標支付帳戶的支付標識，產生目標支付帳戶的付款條碼；
步驟S210，顯示目標支付帳戶的付款條碼，付款條碼的條碼資訊由收款設備採集並發送至伺服器，以通過伺服器在目標支付帳戶中進行扣款操作。
具體地，物聯網設備在付款時，可以根據目標支付帳戶的支付標識產生付款條碼，比如，利用支付標識、設備的時間資訊和預設演算法，產生付款二維條碼。然後，物聯網設備顯示該付款條碼，收款設備可以採集該付款條碼的條碼資訊，並發送至伺服器，伺服器根據該條碼資訊，在目標支付帳戶中進行扣款操作。
具體地，伺服器可以接收收款設備發送的付款條碼的條碼資訊，對付款條碼的條碼資訊進行解析，得到目標支付帳戶的支付標識，這裡的解析演算法與產生付款條碼的演算法相對應，最後，伺服器根據目標支付帳戶的支付標識，在目標支付帳戶中進行扣款操作。
在其他實施例中，物聯網還可以根據目標支付帳戶的支付標識，產生目標支付帳戶的支付資訊，通過藍牙、WiFi、紅外線、聲波等方式將支付資訊發送至收款設備，收款設備將該支付資訊發送至伺服器，伺服器根據該支付資訊，解析得到目標支付帳戶的支付標識，從而在目標支付帳戶中進行扣款操作。
圖4的方法中，物聯網設備儲存支付標識具體可以為：將目標支付帳戶的支付標識儲存在物聯網設備的儲存單元中。相應地，物聯網設備在根據目標支付帳戶的支付標識，產生目標支付帳戶的付款條碼之前，還可以：在物聯網設備離線時，從儲存單元中獲取目標支付帳戶的支付標識。
具體地，物聯網設備將目標支付帳戶的支付標識儲存在儲存單元內，當物聯網設備離線時，物聯網設備可以從儲存單元中獲取目標支付帳戶的支付標識，根據該支付標識進行付款操作，從而達到離線支付的效果。
圖5為本發明另一實施例提供的設備支付方法的應用場景圖，如圖5所示，該場景包括物聯網設備100、收款設備400和伺服器300，收款設備400可以包括掃碼槍等設備。
圖6為本發明另一實施例提供的設備支付方法的流程示意圖，如圖6所示，基於圖5中的場景，該方法包括：
步驟S602，物聯網設備在離線狀態下，從儲存單元中獲取目標支付帳戶的支付標識。
步驟S604，物聯網設備根據目標支付帳戶的支付標識和離線的條碼產生演算法，產生目標支付帳戶的付款條碼並顯示；
步驟S606，收款設備採集付款條碼的條碼資訊；
步驟S608，收款設備將條碼資訊、交易資訊和商家資訊發送至伺服器；
步驟S610，伺服器接收收款設備發送的付款條碼的條碼資訊、交易資訊和商家資訊，伺服器對付款條碼的條碼資訊進行解析，得到目標支付帳戶的支付標識，對商家資訊進行解析，確定商家的收款帳戶，根據交易資訊確定收款金額；
步驟S612，伺服器根據目標支付帳戶的支付標識和收款金額，在目標支付帳戶中進行扣款操作，根據收款金額，在商家的收款帳戶中進行相應的入帳操作。
綜上，本實施例具有以下優點：
1、把支付功能與NB-IoT結合，將NB-IoT的優勢應用到支付領域，優化支付體驗。
2、非常適合物聯網設備的行動支付，基於NB-IoT低功耗、廣覆蓋、大容量的優勢，能夠使得物聯網設備長時間進行支付操作。
3、物聯網設備可以實現離線支付，方便用戶操作。
4、通過NB-IoT可以達到遠距離通信的效果，方便物聯網設備與伺服器進行交互。
圖7為本發明另一實施例提供的設備支付方法的流程示意圖，該方法可以應用於行動終端，由行動終端執行，如圖7所示，該流程包括以下步驟：
步驟S702，從物聯網設備處獲取帳戶綁定請求，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；帳戶綁定請求由物聯網設備在接收到來自於伺服器的表示允許開通支付功能的應答資訊後傳輸，該應答資訊由伺服器根據來自於物聯網設備的支付功能開通請求發送；物聯網設備和伺服器之間通過NB-IoT通信方式通信；
步驟S704，根據帳戶綁定請求，向伺服器發送綁定通知訊息，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定。
可見，本發明實施例中，行動終端能夠從物聯網設備處獲取帳戶綁定請求，根據帳戶綁定請求，向伺服器發送綁定通知訊息，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定，從而將目標支付帳戶與物聯網設備綁定，使物聯網設備具有支付功能，擴大用戶的支付場景。
上述步驟S704中，根據帳戶綁定請求，向伺服器發送綁定通知訊息，具體可以是：根據帳戶綁定請求，產生帳戶綁定詢問資訊，帳戶綁定詢問資訊用於詢問用戶是否允許將目標支付帳戶與物聯網設備進行綁定，若確定用戶允許將目標支付帳戶與物聯網設備進行綁定，則向伺服器發送綁定通知訊息。
比如，行動終端根據帳戶綁定請求，產生彈框，彈框顯示“是否確定將帳戶XXX與設備XXX進行綁定”，行動終端還顯示確定按鈕和取消按鈕，若用戶點擊確定按鈕，則行動終端確定用戶允許將目標支付帳戶與物聯網設備進行綁定，並向伺服器發送綁定通知訊息，若用戶點擊取消按鈕，則行動終端結束綁定流程。
進一步地，在產生帳戶綁定詢問資訊之前，行動終端還可以對用戶進行身份驗證，若確定用戶身份驗證通過，則產生帳戶綁定詢問資訊。
具體地，行動終端可以對用戶進行身份驗證，驗證方式包括但不限於生物特徵驗證、帳戶密碼驗證、簡訊驗證碼驗證等，若確定用戶身份驗證通過，則產生帳戶綁定詢問資訊，並在確定用戶允許將目標支付帳戶與物聯網設備進行綁定後，向伺服器發送綁定通知訊息。若用戶身份驗證不通過，則行動終端可以顯示相應的提示資訊。本實施例中，通過身份驗證和詢問認證雙重方式，能夠保證帳戶綁定的準確性和安全性。
可見，通過本實施例能夠實現物聯網設備的支付功能。本實施例中的行動終端能夠實現前述行動終端實現的各個過程，並達到相同的效果，這裡不再重複。
圖8為本發明另一實施例提供的設備支付方法的流程示意圖，該方法可以應用於伺服器，由伺服器執行，如圖8所示，該流程包括以下步驟：
步驟S802，通過NB-IoT通信方式接收物聯網設備發送的支付功能開通請求，根據支付功能開通請求通過NB-IoT通信方式向物聯網設備返回應答資訊，應答資訊用於表示允許開通支付功能；
步驟S804，接收行動終端發送的綁定通知訊息，根據綁定通知訊息，將行動終端中的目標支付帳戶與物聯網設備進行綁定；綁定通知訊息由行動終端根據從物聯網設備處獲取到的帳戶綁定請求發送，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；
步驟S806，通過NB-IoT通信方式向物聯網設備下發目標支付帳戶的支付標識，目標支付帳戶的支付標識用於在目標支付帳戶中進行扣款操作。
可見，本發明實施例中，伺服器可以通過NB-IoT通信方式接收物聯網設備發送的支付功能開通請求，並根據支付功能開通請求通過NB-IoT通信方式向物聯網設備返回應答資訊，並接收行動終端發送的綁定通知訊息，根據綁定通知訊息，將行動終端中的目標支付帳戶與物聯網設備進行綁定，並通過NB-IoT通信方式向物聯網設備下發目標支付帳戶的支付標識，因此物聯網設備基於該支付標識能夠實現支付功能，從而擴大用戶的支付場景。
上述步驟S802中，根據支付功能開通請求通過NB-IoT通信方式向物聯網設備返回應答資訊，具體為：從支付功能開通請求中提取物聯網設備的設備特徵資訊，如設備標識，根據物聯網設備的設備特徵資訊驗證物聯網設備是否為允許開通支付功能的設備，若是，則通過NB-IoT通信方式向物聯網設備返回用於表示允許開通支付功能的應答資訊，若否，則通過NB-IoT通信方式向物聯網設備返回用於表示不允許開通支付功能的應答資訊。
具體地，伺服器內儲存有表格，該表格用於記錄允許開通支付功能的設備的設備特徵資訊，伺服器提取到物聯網設備的設備特徵資訊後，在該表格中查找提取到的設備特徵資訊，若查找到，則確定物聯網設備為允許開通支付功能的設備，向物聯網設備返回用於表示允許開通支付功能的應答資訊，若未查找到，則確定物聯網設備為不允許開通支付功能的設備，向物聯網設備返回用於表示不允許開通支付功能的應答資訊。當然，其他方式中，該表格還可以記錄不允許開通支付功能的設備的設備特徵資訊，這一過程這裡不再贅述。
上述步驟S802中，根據綁定通知訊息，將行動終端中的目標支付帳戶與物聯網設備進行綁定，具體為：根據綁定通知訊息，判斷物聯網設備對應的已綁定帳戶的數量是否大於第一數量閾值，以及判斷目標支付帳戶對應的已綁定設備的數量是否大於第二數量閾值，若物聯網設備對應的已綁定帳戶的數量不大於第一數量閾值，且，目標支付帳戶對應的已綁定設備的數量不大於第二數量閾值，則將目標支付帳戶與物聯網設備進行綁定。
具體地，為避免同一支付帳戶綁定過多設備，或者，同一設備綁定過多支付帳戶，本實施例中，伺服器在接收到綁定通知訊息後，判斷物聯網設備對應的已綁定帳戶的數量是否大於第一數量閾值，以及判斷目標支付帳戶對應的已綁定設備的數量是否大於第二數量閾值，第一數量閾值和第二數量閾值可以根據需要設定，若物聯網設備對應的已綁定帳戶的數量不大於第一數量閾值，且，目標支付帳戶對應的已綁定設備的數量不大於第二數量閾值，則將目標支付帳戶與物聯網設備進行綁定。綁定過程可以為：伺服器在資料庫內中儲存綁定記錄，該綁定記錄通過一一對應的方式記錄有目標支付帳戶的帳戶標識和物聯網設備的設備標識，以表示目標支付帳戶和該物聯網設備相互綁定。
若物聯網設備對應的已綁定帳戶的數量大於第一數量閾值，或者，目標支付帳戶對應的已綁定設備的數量大於第二數量閾值，則伺服器可以向行動終端返回無法綁定的提示資訊。
通過本實施例，能夠避免同一支付帳戶綁定過多設備，或者，同一設備綁定過多支付帳戶導致的支付混亂的問題。
本實施例中，伺服器還可以接收收款設備發送的付款條碼的條碼資訊，付款條碼由物聯網設備根據目標支付帳戶的支付標識產生，付款條碼的條碼資訊由付款設備從物聯網設備處採集，對付款條碼的條碼資訊進行解析，得到目標支付帳戶的支付標識，根據目標支付帳戶的支付標識，在目標支付帳戶中進行扣款操作。
伺服器解析條碼資訊得到支付標識的演算法，與物聯網設備根據支付標識產生付款條碼的演算法相互對應，伺服器得到支付標識後，根據目標支付帳戶的支付標識，在目標支付帳戶中進行扣款操作具體可以為：根據目標支付帳戶的支付標識，以及預先記錄的支付標識和帳戶標識之間的對應關係，確定目標支付帳戶的帳戶標識，根據目標支付帳戶的帳戶標識，在目標支付帳戶中進行扣款操作。
可見，通過本實施例能夠實現物聯網設備的支付功能。本實施例中的伺服器能夠實現前述伺服器實現的各個過程，並達到相同的效果，這裡不再重複。
本發明實施例還提供了一種設備支付裝置，應用於物聯網設備，圖9為本發明一實施例提供的設備支付裝置的模組組成示意圖，如圖9所示，該裝置包括：
請求開通模組91，用於通過NB-IoT通信方式向伺服器發送支付功能開通請求，並通過NB-IoT通信方式接收伺服器根據支付功能開通請求返回的應答資訊；
請求綁定模組92，用於若應答資訊用於表示允許開通支付功能，則向行動終端傳輸帳戶綁定請求，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；
標識儲存模組93，用於通過NB-IoT通信方式接收伺服器下發的目標支付帳戶的支付標識，並儲存支付標識；其中，目標支付帳戶的支付標識由伺服器根據行動終端發送的綁定通知訊息發送，綁定通知訊息由行動終端根據帳戶綁定請求發送，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定，支付標識用於在目標支付帳戶中進行扣款操作。
可選地，該裝置還包括支付模組，用於：根據目標支付帳戶的支付標識，產生目標支付帳戶的付款條碼；顯示目標支付帳戶的付款條碼，付款條碼的條碼資訊由收款設備採集並發送至伺服器，以通過伺服器在目標支付帳戶中進行扣款操作。
可選地，標識儲存模組93具體用於：將目標支付帳戶的支付標識儲存在物聯網設備的儲存單元中；該裝置還包括：離線獲取模組，用於在根據目標支付帳戶的支付標識，產生目標支付帳戶的付款條碼之前，在物聯網設備離線時，從儲存單元中獲取目標支付帳戶的支付標識。
可見，本發明實施例中，物聯網設備能夠通過NB-IoT通信方式向伺服器發送支付功能開通請求，並通過NB-IoT通信方式接收伺服器根據支付功能開通請求返回的應答資訊，並在該應答資訊用於表示允許開通支付功能時，向行動終端傳輸帳戶綁定請求，以請求將行動終端中的目標支付帳戶與物聯網設備進行綁定，並通過NB-IoT通信方式接收伺服器下發的目標支付帳戶的支付標識並儲存，由於該支付標識用於在目標支付帳戶中進行扣款操作，因此物聯網設備基於該支付標識能夠實現支付功能，從而擴大用戶的支付場景。
本發明實施例中的設備支付裝置能夠實現前述的物聯網設備實現的各個過程，並達到相同的效果，這裡不再重複。
本發明實施例還提供了一種設備支付裝置，應用於行動終端，圖10為本發明一實施例提供的設備支付裝置的模組組成示意圖，如圖10所示，該裝置包括：
請求獲取模組101，用於從物聯網設備處獲取帳戶綁定請求，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；帳戶綁定請求由物聯網設備在接收到來自於伺服器的表示允許開通支付功能的應答資訊後傳輸，應答資訊由伺服器根據來自於物聯網設備的支付功能開通請求發送；物聯網設備和伺服器之間通過窄帶物聯網NB-IoT通信方式通信；
通知發送模組102，用於根據帳戶綁定請求，向伺服器發送綁定通知訊息，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定。
可選地，通知發送模組102具體用於：根據帳戶綁定請求，產生帳戶綁定詢問資訊；帳戶綁定詢問資訊用於詢問用戶是否允許將目標支付帳戶與物聯網設備進行綁定；若確定用戶允許將目標支付帳戶與物聯網設備進行綁定，則向伺服器發送綁定通知訊息。
可選地，該裝置還包括：身份驗證模組，用於在產生帳戶綁定詢問資訊之前，對用戶進行身份驗證；若確定用戶身份驗證通過，則產生帳戶綁定詢問資訊。
可見，本發明實施例中，行動終端能夠從物聯網設備處獲取帳戶綁定請求，根據帳戶綁定請求，向伺服器發送綁定通知訊息，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定，從而將目標支付帳戶與物聯網設備綁定，使物聯網設備具有支付功能，擴大用戶的支付場景。
本發明實施例中的設備支付裝置能夠實現前述行動終端實現的各個過程，並達到相同的效果，這裡不再重複。
本發明實施例還提供了一種設備支付裝置，應用於伺服器，圖11為本發明一實施例提供的設備支付裝置的模組組成示意圖，如圖11所示，該裝置包括：
請求接收模組111，用於通過窄帶物聯網NB-IoT通信方式接收物聯網設備發送的支付功能開通請求，根據支付功能開通請求通過NB-IoT通信方式向物聯網設備返回應答資訊，應答資訊用於表示允許開通支付功能；
帳戶綁定模組112，用於接收行動終端發送的綁定通知訊息，根據綁定通知訊息，將行動終端中的目標支付帳戶與物聯網設備進行綁定；綁定通知訊息由行動終端根據從物聯網設備處獲取到的帳戶綁定請求發送，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；
標識下發模組113，用於通過NB-IoT通信方式向物聯網設備下發目標支付帳戶的支付標識，目標支付帳戶的支付標識用於在目標支付帳戶中進行扣款操作。
可選地，請求接收模組111具體用於：從支付功能開通請求中提取物聯網設備的設備特徵資訊；根據物聯網設備的設備特徵資訊驗證物聯網設備是否為允許開通支付功能的設備；若是，則通過NB-IoT通信方式向物聯網設備返回用於表示允許開通支付功能的應答資訊。
可選地，帳戶綁定模組112具體用於：根據綁定通知訊息，判斷物聯網設備對應的已綁定帳戶的數量是否大於第一數量閾值，以及判斷目標支付帳戶對應的已綁定設備的數量是否大於第二數量閾值；若物聯網設備對應的已綁定帳戶的數量不大於第一數量閾值，且，目標支付帳戶對應的已綁定設備的數量不大於第二數量閾值，則將目標支付帳戶與物聯網設備進行綁定。
可選地，該裝置還包括扣款模組，用於：接收收款設備發送的付款條碼的條碼資訊；付款條碼由物聯網設備根據目標支付帳戶的支付標識產生；付款條碼的條碼資訊由付款設備從物聯網設備處採集；對付款條碼的條碼資訊進行解析，得到目標支付帳戶的支付標識；根據目標支付帳戶的支付標識，在目標支付帳戶中進行扣款操作。
可見，本發明實施例中，伺服器可以通過NB-IoT通信方式接收物聯網設備發送的支付功能開通請求，並根據支付功能開通請求通過NB-IoT通信方式向物聯網設備返回應答資訊，並接收行動終端發送的綁定通知訊息，根據綁定通知訊息，將行動終端中的目標支付帳戶與物聯網設備進行綁定，並通過NB-IoT通信方式向物聯網設備下發目標支付帳戶的支付標識，因此物聯網設備基於該支付標識能夠實現支付功能，從而擴大用戶的支付場景。
本發明實施例中的設備支付裝置能夠實現前述伺服器實現的各個過程，並達到相同的效果，這裡不再重複。
進一步地，本發明實施例還提供了一種電子設備，圖12為本發明一實施例提供的電子設備的結構示意圖，如圖12所示，電子設備可因配置或性能不同而產生比較大的差異，可以包括一個或一個以上的處理器1201和記憶體1202，記憶體1202中可以儲存有一個或一個以上儲存應用程式或資料。其中，記憶體1202可以是短暫儲存或持久儲存。儲存在記憶體1202的應用程式可以包括一個或一個以上模組(圖示未示出)，每個模組可以包括對電子設備中的一系列電腦可執行指令。更進一步地，處理器1201可以設置為與記憶體1202通信，在電子設備上執行記憶體1202中的一系列電腦可執行指令。電子設備還可以包括一個或一個以上電源1203，一個或一個以上有線或無線網路介面1204，一個或一個以上輸入輸出介面1205，一個或一個以上鍵盤1206等。
在一個具體的實施例中，電子設備包括有記憶體，以及一個或一個以上的程式，其中一個或者一個以上程式儲存於記憶體中，且一個或者一個以上程式可以包括一個或一個以上模組，且每個模組可以包括對電子設備中的一系列電腦可執行指令，且經配置以由一個或者一個以上處理器執行該一個或者一個以上套裝程式含用於進行以下電腦可執行指令：
通過窄帶物聯網NB-IoT通信方式向伺服器發送支付功能開通請求，並通過NB-IoT通信方式接收伺服器根據支付功能開通請求返回的應答資訊；
若應答資訊用於表示允許開通支付功能，則向行動終端傳輸帳戶綁定請求，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；
通過NB-IoT通信方式接收伺服器下發的目標支付帳戶的支付標識，並儲存支付標識；其中，目標支付帳戶的支付標識由伺服器根據行動終端發送的綁定通知訊息發送，綁定通知訊息由行動終端根據帳戶綁定請求發送，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定，支付標識用於在目標支付帳戶中進行扣款操作。
可選地，電腦可執行指令在被執行時，還包括：根據目標支付帳戶的支付標識，產生目標支付帳戶的付款條碼；顯示目標支付帳戶的付款條碼，付款條碼的條碼資訊由收款設備採集並發送至伺服器，以通過伺服器在目標支付帳戶中進行扣款操作。
可選地，電腦可執行指令在被執行時，儲存支付標識，包括：將目標支付帳戶的支付標識儲存在物聯網設備的儲存單元中；在根據目標支付帳戶的支付標識，產生目標支付帳戶的付款條碼之前，還包括：在物聯網設備離線時，從儲存單元中獲取目標支付帳戶的支付標識。
本發明實施例中的電子設備能夠實現前述的物聯網設備實現的各個過程，並達到相同的效果，這裡不再重複。
在另一個具體的實施例中，電子設備包括有記憶體，以及一個或一個以上的程式，其中一個或者一個以上程式儲存於記憶體中，且一個或者一個以上程式可以包括一個或一個以上模組，且每個模組可以包括對電子設備中的一系列電腦可執行指令，且經配置以由一個或者一個以上處理器執行該一個或者一個以上套裝程式含用於進行以下電腦可執行指令：
從物聯網設備處獲取帳戶綁定請求，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；帳戶綁定請求由物聯網設備在接收到來自於伺服器的表示允許開通支付功能的應答資訊後傳輸，應答資訊由伺服器根據來自於物聯網設備的支付功能開通請求發送；物聯網設備和伺服器之間通過窄帶物聯網NB-IoT通信方式通信；
根據帳戶綁定請求，向伺服器發送綁定通知訊息，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定。
可選地，電腦可執行指令在被執行時，根據帳戶綁定請求，向伺服器發送綁定通知訊息，包括：根據帳戶綁定請求，產生帳戶綁定詢問資訊；帳戶綁定詢問資訊用於詢問用戶是否允許將目標支付帳戶與物聯網設備進行綁定；若確定用戶允許將目標支付帳戶與物聯網設備進行綁定，則向伺服器發送綁定通知訊息。
可選地，電腦可執行指令在被執行時，在產生帳戶綁定詢問資訊之前，還包括：對用戶進行身份驗證；若確定用戶身份驗證通過，則產生帳戶綁定詢問資訊。
本發明實施例中的電子設備能夠實現前述行動終端實現的各個過程，並達到相同的效果，這裡不再重複。
在另一個具體的實施例中，電子設備包括有記憶體，以及一個或一個以上的程式，其中一個或者一個以上程式儲存於記憶體中，且一個或者一個以上程式可以包括一個或一個以上模組，且每個模組可以包括對電子設備中的一系列電腦可執行指令，且經配置以由一個或者一個以上處理器執行該一個或者一個以上套裝程式含用於進行以下電腦可執行指令：
通過窄帶物聯網NB-IoT通信方式接收物聯網設備發送的支付功能開通請求，根據支付功能開通請求通過NB-IoT通信方式向物聯網設備返回應答資訊，應答資訊用於表示允許開通支付功能；
接收行動終端發送的綁定通知訊息，根據綁定通知訊息，將行動終端中的目標支付帳戶與物聯網設備進行綁定；綁定通知訊息由行動終端根據從物聯網設備處獲取到的帳戶綁定請求發送，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；
通過NB-IoT通信方式向物聯網設備下發目標支付帳戶的支付標識，目標支付帳戶的支付標識用於在目標支付帳戶中進行扣款操作。
可選地，電腦可執行指令在被執行時，根據支付功能開通請求通過NB-IoT通信方式向物聯網設備返回應答資訊，包括：從支付功能開通請求中提取物聯網設備的設備特徵資訊；根據物聯網設備的設備特徵資訊驗證物聯網設備是否為允許開通支付功能的設備；若是，則通過NB-IoT通信方式向物聯網設備返回用於表示允許開通支付功能的應答資訊。
可選地，電腦可執行指令在被執行時，根據綁定通知訊息，將行動終端中的目標支付帳戶與物聯網設備進行綁定，包括：根據綁定通知訊息，判斷物聯網設備對應的已綁定帳戶的數量是否大於第一數量閾值，以及判斷目標支付帳戶對應的已綁定設備的數量是否大於第二數量閾值；若物聯網設備對應的已綁定帳戶的數量不大於第一數量閾值，且，目標支付帳戶對應的已綁定設備的數量不大於第二數量閾值，則將目標支付帳戶與物聯網設備進行綁定。
可選地，電腦可執行指令在被執行時，還包括：接收收款設備發送的付款條碼的條碼資訊；付款條碼由物聯網設備根據目標支付帳戶的支付標識產生；付款條碼的條碼資訊由付款設備從物聯網設備處採集；對付款條碼的條碼資訊進行解析，得到目標支付帳戶的支付標識；根據目標支付帳戶的支付標識，在目標支付帳戶中進行扣款操作。
本發明實施例中的電子設備能夠實現前述伺服器實現的各個過程，並達到相同的效果，這裡不再重複。
進一步地，本發明實施例還提供了一種儲存介質，用於儲存電腦可執行指令，一種具體的實施例中，該儲存介質可以為USB隨身碟、光碟、硬碟等，該儲存介質儲存的電腦可執行指令在被處理器執行時，能實現以下流程：
通過窄帶物聯網NB-IoT通信方式向伺服器發送支付功能開通請求，並通過NB-IoT通信方式接收伺服器根據支付功能開通請求返回的應答資訊；
若應答資訊用於表示允許開通支付功能，則向行動終端傳輸帳戶綁定請求，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；
通過NB-IoT通信方式接收伺服器下發的目標支付帳戶的支付標識，並儲存支付標識；其中，目標支付帳戶的支付標識由伺服器根據行動終端發送的綁定通知訊息發送，綁定通知訊息由行動終端根據帳戶綁定請求發送，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定，支付標識用於在目標支付帳戶中進行扣款操作。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，還包括：根據目標支付帳戶的支付標識，產生目標支付帳戶的付款條碼；顯示目標支付帳戶的付款條碼，付款條碼的條碼資訊由收款設備採集並發送至伺服器，以通過伺服器在目標支付帳戶中進行扣款操作。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，儲存支付標識，包括：將目標支付帳戶的支付標識儲存在物聯網設備的儲存單元中；在根據目標支付帳戶的支付標識，產生目標支付帳戶的付款條碼之前，還包括：在物聯網設備離線時，從儲存單元中獲取目標支付帳戶的支付標識。
本發明實施例中的儲存介質能夠實現前述的物聯網設備實現的各個過程，並達到相同的效果，這裡不再重複。
另一種具體的實施例中，該儲存介質可以為USB隨身碟、光碟、硬碟等，該儲存介質儲存的電腦可執行指令在被處理器執行時，能實現以下流程：
從物聯網設備處獲取帳戶綁定請求，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；帳戶綁定請求由物聯網設備在接收到來自於伺服器的表示允許開通支付功能的應答資訊後傳輸，應答資訊由伺服器根據來自於物聯網設備的支付功能開通請求發送；物聯網設備和伺服器之間通過窄帶物聯網NB-IoT通信方式通信；
根據帳戶綁定請求，向伺服器發送綁定通知訊息，綁定通知訊息用於通知伺服器將目標支付帳戶與物聯網設備進行綁定。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，根據帳戶綁定請求，向伺服器發送綁定通知訊息，包括：根據帳戶綁定請求，產生帳戶綁定詢問資訊；帳戶綁定詢問資訊用於詢問用戶是否允許將目標支付帳戶與物聯網設備進行綁定；若確定用戶允許將目標支付帳戶與物聯網設備進行綁定，則向伺服器發送綁定通知訊息。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，在產生帳戶綁定詢問資訊之前，還包括：對用戶進行身份驗證；若確定用戶身份驗證通過，則產生帳戶綁定詢問資訊。
本發明實施例中的儲存介質能夠實現前述行動終端實現的各個過程，並達到相同的效果，這裡不再重複。
另一種具體的實施例中，該儲存介質可以為USB隨身碟、光碟、硬碟等，該儲存介質儲存的電腦可執行指令在被處理器執行時，能實現以下流程：
通過窄帶物聯網NB-IoT通信方式接收物聯網設備發送的支付功能開通請求，根據支付功能開通請求通過NB-IoT通信方式向物聯網設備返回應答資訊，應答資訊用於表示允許開通支付功能；
接收行動終端發送的綁定通知訊息，根據綁定通知訊息，將行動終端中的目標支付帳戶與物聯網設備進行綁定；綁定通知訊息由行動終端根據從物聯網設備處獲取到的帳戶綁定請求發送，帳戶綁定請求用於請求將行動終端中的目標支付帳戶與物聯網設備進行綁定；
通過NB-IoT通信方式向物聯網設備下發目標支付帳戶的支付標識，目標支付帳戶的支付標識用於在目標支付帳戶中進行扣款操作。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，根據支付功能開通請求通過NB-IoT通信方式向物聯網設備返回應答資訊，包括：從支付功能開通請求中提取物聯網設備的設備特徵資訊；根據物聯網設備的設備特徵資訊驗證物聯網設備是否為允許開通支付功能的設備；若是，則通過NB-IoT通信方式向物聯網設備返回用於表示允許開通支付功能的應答資訊。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，根據綁定通知訊息，將行動終端中的目標支付帳戶與物聯網設備進行綁定，包括：根據綁定通知訊息，判斷物聯網設備對應的已綁定帳戶的數量是否大於第一數量閾值，以及判斷目標支付帳戶對應的已綁定設備的數量是否大於第二數量閾值；若物聯網設備對應的已綁定帳戶的數量不大於第一數量閾值，且，目標支付帳戶對應的已綁定設備的數量不大於第二數量閾值，則將目標支付帳戶與物聯網設備進行綁定。
可選地，該儲存介質儲存的電腦可執行指令在被處理器執行時，還包括：接收收款設備發送的付款條碼的條碼資訊；付款條碼由物聯網設備根據目標支付帳戶的支付標識產生；付款條碼的條碼資訊由付款設備從物聯網設備處採集；對付款條碼的條碼資訊進行解析，得到目標支付帳戶的支付標識；根據目標支付帳戶的支付標識，在目標支付帳戶中進行扣款操作。
本發明實施例中的儲存介質能夠實現前述伺服器實現的各個過程，並達到相同的效果，這裡不再重複。
在20世紀90年代，對於一個技術的改進可以很明顯地區分是硬體上的改進(例如，對二極體、電晶體、開關等電路結構的改進)還是軟體上的改進(對於方法流程的改進)。然而，隨著技術的發展，當今的很多方法流程的改進已經可以視為硬體電路結構的直接改進。設計人員幾乎都通過將改進的方法流程程式設計到硬體電路中來得到相應的硬體電路結構。因此，不能說一個方法流程的改進就不能用硬體實體模組來實現。例如，可程式化邏輯裝置(Programmable Logic Device，PLD)(例如場可程式化閘陣列(Field Programmable Gate Array，FPGA))就是這樣一種積體電路，其邏輯功能由用戶對裝置程式設計來確定。由設計人員自行程式設計來把一個數位系統“集成”在一片PLD上，而不需要請晶片製造廠商來設計和製作專用的積體電路晶片。而且，如今，取代手工地製作積體電路晶片，這種程式設計也多半改用“邏輯編譯器(logic compiler)”軟體來實現，它與程式開發撰寫時所用的軟體編譯器相類似，而要編譯之前的原始代碼也得用特定的程式設計語言來撰寫，此稱之為硬體描述語言(Hardware Description Language，HDL)，而HDL也並非僅有一種，而是有許多種，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)與Verilog。本領域技術人員也應該清楚，只需要將方法流程用上述幾種硬體描述語言稍作邏輯程式設計並程式設計到積體電路中，就可以很容易得到實現該邏輯方法流程的硬體電路。
控制器可以按任何適當的方式實現，例如，控制器可以採取例如微處理器或處理器以及儲存可由該(微)處理器執行的電腦可讀程式碼(例如軟體或韌體)的電腦可讀介質、邏輯閘、開關、專用積體電路(Application Specific Integrated Circuit，ASIC)、可程式化邏輯控制器和嵌入微控制器的形式，控制器的例子包括但不限於以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20 以及Silicone Labs C8051F320，記憶體控制器還可以被實現為記憶體的控制邏輯的一部分。本領域技術人員也知道，除了以純電腦可讀程式碼方式實現控制器以外，完全可以通過將方法步驟進行邏輯程式設計來使得控制器以邏輯閘、開關、專用積體電路、可程式化邏輯控制器和嵌入微控制器等的形式來實現相同功能。因此這種控制器可以被認為是一種硬體部件，而對其內包括的用於實現各種功能的裝置也可以視為硬體部件內的結構。或者甚至，可以將用於實現各種功能的裝置視為既可以是實現方法的軟體模組又可以是硬體部件內的結構。
上述實施例闡明的系統、裝置、模組或單元，具體可以由電腦晶片或實體實現，或者由具有某種功能的產品來實現。一種典型的實現設備為電腦。具體的，電腦例如可以為個人電腦、筆記型電腦、蜂巢式電話、相機電話、智慧型電話、個人數位助理、媒體播放機、導航設備、電子郵件設備、遊戲控制台、平板電腦、可穿戴設備或者這些設備中的任何設備的組合。
為了描述的方便，描述以上裝置時以功能分為各種單元分別描述。當然，在實施本發明時可以把各單元的功能在同一個或多個軟體和/或硬體中實現。
本領域內的技術人員應明白，本發明的實施例可提供為方法、系統、或電腦程式產品。因此，本發明可採用完全硬體實施例、完全軟體實施例、或結合軟體和硬體方面的實施例的形式。而且，本發明可採用在一個或多個其中包含有電腦可用程式碼的電腦可用儲存介質(包括但不限於磁碟記憶體、CD-ROM、光學記憶體等)上實施的電腦程式產品的形式。
本發明是參照根據本發明實施例的方法、設備(系統)、和電腦程式產品的流程圖和/或方塊圖來描述的。應理解可由電腦程式指令實現流程圖和/或方塊圖中的每一流程和/或方塊、以及流程圖和/或方塊圖中的流程和/或方塊的結合。可提供這些電腦程式指令到通用電腦、專用電腦、嵌入式處理機或其他可程式化資料處理設備的處理器以產生一個機器，使得通過電腦或其他可程式化資料處理設備的處理器執行的指令產生用於實現在流程圖一個流程或多個流程和/或方塊圖一個方塊或多個方塊中指定的功能的裝置。
這些電腦程式指令也可儲存在能引導電腦或其他可程式化資料處理設備以特定方式工作的電腦可讀記憶體中，使得儲存在該電腦可讀記憶體中的指令產生包括指令裝置的製造品，該指令裝置實現在流程圖一個流程或多個流程和/或方塊圖一個方塊或多個方塊中指定的功能。
這些電腦程式指令也可裝載到電腦或其他可程式化資料處理設備上，使得在電腦或其他可程式化設備上執行一系列操作步驟以產生電腦實現的處理，從而在電腦或其他可程式化設備上執行的指令提供用於實現在流程圖一個流程或多個流程和/或方塊圖一個方塊或多個方塊中指定的功能的步驟。
在一個典型的配置中，計算設備包括一個或多個處理器(CPU)、輸入/輸出介面、網路介面和記憶體。
記憶體可能包括電腦可讀介質中的非永久性記憶體，隨機存取記憶體(RAM)和/或非揮發性記憶體等形式，如唯讀記憶體(ROM)或快閃記憶體(flash RAM)。記憶體是電腦可讀介質的示例。
電腦可讀介質包括永久性和非永久性、可行動和非可行動媒體可以由任何方法或技術來實現資訊儲存。資訊可以是電腦可讀指令、資料結構、程式的模組或其他資料。電腦的儲存介質的例子包括，但不限於相變記憶體(PRAM)、靜態隨機存取記憶體(SRAM)、動態隨機存取記憶體(DRAM)、其他類型的隨機存取記憶體(RAM)、唯讀記憶體(ROM)、電可擦除可程式化唯讀記憶體(EEPROM)、快閃記憶體或其他記憶體技術、唯讀光碟唯讀記憶體(CD-ROM)、數位多功能光碟(DVD)或其他光學儲存、磁盒式磁帶，磁帶磁磁片儲存或其他磁性存放裝置或任何其他非傳輸介質，可用於儲存可以被計算設備存取的資訊。按照本文中的界定，電腦可讀介質不包括暫存電腦可讀媒體(transitory media)，如調變的資料信號和載波。
還需要說明的是，術語“包括”、“包含”或者其任何其他變體意在涵蓋非排他性的包含，從而使得包括一系列要素的過程、方法、商品或者設備不僅包括那些要素，而且還包括沒有明確列出的其他要素，或者是還包括為這種過程、方法、商品或者設備所固有的要素。在沒有更多限制的情況下，由語句“包括一個……”限定的要素，並不排除在包括所述要素的過程、方法、商品或者設備中還存在另外的相同要素。
本領域技術人員應明白，本發明的實施例可提供為方法、系統或電腦程式產品。因此，本發明可採用完全硬體實施例、完全軟體實施例或結合軟體和硬體方面的實施例的形式。而且，本發明可採用在一個或多個其中包含有電腦可用程式碼的電腦可用儲存介質(包括但不限於磁碟記憶體、CD-ROM、光學記憶體等)上實施的電腦程式產品的形式。
本發明可以在由電腦執行的電腦可執行指令的一般上下文中描述，例如程式模組。一般地，程式模組包括執行特定任務或實現特定抽象資料類型的常式、程式、物件、元件、資料結構等等。也可以在分散式運算環境中實踐本發明，在這些分散式運算環境中，由通過通信網路而被連接的遠端處理設備來執行任務。在分散式運算環境中，程式模組可以位於包括存放裝置在內的本地和遠端電腦儲存介質中。
本說明書中的各個實施例均採用遞進的方式描述，各個實施例之間相同相似的部分互相參見即可，每個實施例重點說明的都是與其他實施例的不同之處。尤其，對於系統實施例而言，由於其基本相似於方法實施例，所以描述的比較簡單，相關之處參見方法實施例的部分說明即可。
以上所述僅為本發明的實施例而已，並不用於限制本發明。對於本領域技術人員來說，本發明可以有各種更改和變化。凡在本發明的精神和原理之內所作的任何修改、等同替換、改進等，均應包含在本發明的申請專利範圍之內。 In order to make those skilled in the art better understand the technical solutions in the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the drawings in the embodiments of the present invention. Obviously, the described The embodiments are only some of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention. The embodiments of the present invention provide a device payment method and device, which can implement a payment function on an IoT device and expand a user's payment scenarios, wherein the IoT device has NB-IoT (Narrow Band Internet of Things, Narrow Band Internet of Things) communication Function. NB-IoT is a narrow-band Internet of Things based on cellular network. It is an emerging technology in the field of IoT. It supports cellular data connection of low-power devices in WAN, and supports devices with long standby time and high network connection requirements. efficient connection. NB-IoT is also called LPWAN (Low-Power Wide-Area Network). FIG. 1 is an application scenario diagram of a device payment method provided by an embodiment of the present invention. As shown in FIG. 1 , the scenario includes an IoT device 100, a mobile terminal 200, and a server 300. The IoT device 100 may be a wearable device or Smart home appliances, wearable devices can be watches, bracelets, etc., and smart home appliances can be refrigerators, washing machines, electric cookers, air conditioners, etc. In FIG. 1 , the IoT device 100 is used as a wristband for illustration. An NB-IoT communication module is installed in the IoT device 100, and the IoT device 100 can use the NB-IoT communication module to communicate with the server 300 through the NB-IoT communication method. The mobile terminal 200 can be a mobile phone, a computer, a tablet computer, etc., and the mobile terminal 200 can communicate with the IoT device 100 and the server 300 . The server 300 can be a background server of the payment platform, and the server 300 can communicate with the IoT device 100 and the mobile terminal 200 . FIG. 2 is a schematic flowchart of a device payment method provided by an embodiment of the present invention. The method can be applied to IoT devices and executed by IoT devices. As shown in FIG. 2 , the process includes the following steps: Step S202, through NB- Send the payment function activation request to the server by IoT communication, and receive the response information returned by the server according to the payment function activation request through NB-IoT communication; Step S204, if the response information is used to indicate that the payment function is allowed to be activated, send the request to the action The terminal transmits the account binding request; wherein, the account binding request is used to request to bind the target payment account in the mobile terminal with the Internet of Things device; Step S206, receive the target payment account issued by the server through the NB-IoT communication method The payment identifier of the target payment account is stored, and the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile terminal according to the above account binding request. The message is used to notify the server to bind the target payment account with the IoT device, and the payment identifier is used to debit the target payment account. In this embodiment, the target payment account can be debited through the payment identifier of the target payment account. The payment identifier can be a string of characters and can be generated by the server for the target payment account. Different payment accounts have different payment IDs. After acquiring the payment identifier of the target payment account, the server can determine the account identifier of the target payment account according to the payment identifier and the pre-recorded correspondence between the payment identifier and the account identifier, and according to the account identifier of the target payment account, Debit the target payment account. It can be seen that, in the embodiment of the present invention, the IoT device can send a payment function activation request to the server through the NB-IoT communication method, and receive the response information returned by the server according to the payment function activation request through the NB-IoT communication mode. The response information is used to indicate that when the payment function is allowed to be activated, the account binding request is transmitted to the mobile terminal to request to bind the target payment account in the mobile terminal with the Internet of Things device, and receive the server through NB-IoT communication. The payment identifier of the target payment account is stored and stored. Since the payment identifier is used for debiting the target payment account, the IoT device can realize the payment function based on the payment identifier, thereby expanding the user's payment scenarios. In this embodiment, since the IoT device can communicate with the server through the NB-IoT communication method, the IoT device only needs to run a system supporting NB-IoT. Since systems that support NB-IoT (such as single-chip systems) are usually relatively simple and have low development difficulty, the system development cost of IoT devices is greatly reduced, enabling payment on smart home appliances and wearable devices through a simple development process. Function. In the above step S202, the IoT device sends a payment function activation request to the server through the NB-IoT communication method, and the payment function activation request can carry the device feature information of the IoT device, such as a device identifier, and the server can activate the payment function according to the payment function. Request to verify whether the IoT device is a device that allows the payment function to be activated. If so, the server returns the response information indicating that the payment function is allowed to be activated to the IoT device through the NB-IoT communication method. -The IoT communication method returns a response message indicating that the payment function is not allowed to be enabled to the IoT device. In the above step S202, the IoT device receives the response information returned by the server according to the payment function activation request through the NB-IoT communication method. The IoT device also determines whether the response information is used to indicate that the payment function is permitted to be activated, and if so, the IoT device executes the above step S204. In step S204, the Internet of Things device transmits an account binding request to the mobile terminal, and the account binding request is used to request to bind the target payment account in the mobile terminal with the Internet of Things device. After the connected device is successfully bound, the IoT device can realize the payment function through the target payment account. IoT devices can transmit account binding requests to mobile terminals through communication means such as Bluetooth, WiFi (Wireless-Fidelity), infrared, two-dimensional barcodes, and sound waves. For example, the IoT device sends the account binding request to the mobile terminal through any one of Bluetooth, WiFi, infrared, and sound waves, or the IoT device displays the two-dimensional barcode corresponding to the account binding request, and the mobile terminal scans the code by scanning the QR code. way to obtain the account binding request from the IoT device. After the mobile terminal receives the account binding request, it can authenticate the user. After the verification is passed, the mobile terminal generates account binding inquiry information. The account binding inquiry information is used to ask the user whether to allow the target payment account to be connected with the Internet of Things device. Binding, the mobile terminal receives the user's answer information for the account binding inquiry information. If the answer information indicates that the user allows the target payment account to be bound with the IoT device, the mobile terminal sends a binding notification message to the server to bind The notification message is used to notify the server to bind the target payment account with the IoT device. The mobile terminal can send a binding notification message to the server through WIFI, 4G, etc. After receiving the binding notification message, the server can determine whether the number of bound accounts corresponding to the IoT device is greater than the first number threshold, and determine whether the number of bound devices corresponding to the target payment account is greater than the second number threshold , if the number of bound accounts corresponding to the IoT device is not greater than the first number threshold, and the number of bound devices corresponding to the target payment account is not greater than the second number threshold, the server associates the target payment account with the IoT devices are bound. The binding process can be as follows: the server stores a binding record in the database, and the binding record records the account identification of the target payment account and the device identification of the Internet of Things device in a one-to-one correspondence manner to indicate the target payment account and the device identification. The IoT devices are bound to each other. After the server binds the target payment account in the mobile terminal with the IoT device, it sends the payment identifier of the target payment account to the IoT device through the NB-IoT communication method, so that the IoT device executes the above step S206, through the NB-IoT The IoT communication method receives the payment identifier of the target payment account issued by the server, and stores the payment identifier, and the payment identifier is used for debiting the target payment account. According to the foregoing description, the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile terminal according to the account binding request transmitted by the IoT device. FIG. 3 is a schematic flowchart of account binding provided by an embodiment of the present invention. As shown in FIG. 3 , the process includes: Step S302 , the IoT device sends the payment function activation to the server through the NB-IoT communication method according to the user operation ask. In this step, the user operation may be an operation of clicking the button of "enable payment function". The payment function activation request carries the device feature information of the IoT device, such as the device identifier. Step S304, according to the payment function activation request, the server returns the response information indicating that the payment function is allowed to be activated to the Internet of Things device through the NB-IoT communication method. In this step, the server extracts the device feature information of the IoT device from the payment activation request. If it is determined according to the device feature information that the IoT device is a device that allows the payment function to be activated, the server returns to the IoT device indicating that Response information that allows the activation of the payment function. The response information carries a unique string generated by the server for the IoT device. The unique string is used to identify the IoT device. The unique string can also be called token. Step S306, the IoT device receives the response information sent by the server through the NB-IoT communication method, and transmits the account binding request to the mobile terminal according to the response information. In this step, the account binding request carries the above-mentioned unique string, and may also carry device feature information of the IoT device. The IoT device can generate a two-dimensional barcode according to the response information of the server, and the two-dimensional barcode carries the account binding request, so as to transmit the account binding request to the mobile terminal by displaying the two-dimensional barcode, and the mobile terminal scans the code. way to get the account binding request. Step S308, the mobile terminal obtains an account binding request from the IoT device, and sends an account binding notification to the server. In this step, the mobile terminal authenticates the user according to the account binding request and asks whether the user is allowed to bind the IoT device and the target payment account. If the user identity verification is passed and the user allows the binding, the mobile terminal sends an account binding notification to the server, and the account binding notification carries the above-mentioned unique string and the device feature information of the IoT device, and can also carry the user Identity information and account ID of the target payment account. The methods for the mobile terminal to authenticate the user include but are not limited to: account password authentication, biometric authentication, dynamic token authentication, and mobile phone SMS authentication. Step S310, the server binds the target payment account in the mobile terminal with the IoT device according to the account binding notification. In this step, after receiving the account binding notification, the server parses the notification to obtain the above-mentioned unique string and account identifier, determines the IoT device to be bound according to the unique string, and determines the to-be-bound device according to the account identifier The target payment account is determined, so that the target payment account and the IoT device are bound. Step S312, the server sends the payment identifier of the target payment account to the IoT device through the NB-IoT communication method. Step S314, the IoT device stores the payment identifier of the target payment account, so as to perform a payment operation through the payment identifier. FIG. 4 is a schematic flowchart of a device payment method provided by another embodiment of the present invention. The method can be applied to an Internet of Things device and executed by the Internet of Things device. As shown in FIG. 4 , the process is based on FIG. 2 and further includes: : Step S208, generate the payment barcode of the target payment account according to the payment identifier of the target payment account; Step S210, display the payment barcode of the target payment account, the barcode information of the payment barcode is collected by the payment device and sent to the server, so as to pass the server The device debits the target payment account. Specifically, when making payment, the IoT device can generate a payment barcode according to the payment identifier of the target payment account, for example, by using the payment identifier, the time information of the device and a preset algorithm to generate a payment two-dimensional barcode. Then, the IoT device displays the payment barcode, and the receiving device can collect the barcode information of the payment barcode and send it to the server, and the server debits the target payment account according to the barcode information. Specifically, the server can receive the barcode information of the payment barcode sent by the payment device, parse the barcode information of the payment barcode, and obtain the payment identifier of the target payment account. The parsing algorithm here corresponds to the algorithm for generating the payment barcode, and finally , the server debits the target payment account according to the payment identifier of the target payment account. In other embodiments, the Internet of Things can also generate payment information of the target payment account according to the payment identifier of the target payment account, and send the payment information to the collection device through Bluetooth, WiFi, infrared, sound waves, etc. The payment information is sent to the server, and the server analyzes and obtains the payment identifier of the target payment account according to the payment information, so as to perform a deduction operation in the target payment account. In the method of FIG. 4 , storing the payment identifier by the IoT device may specifically be: storing the payment identifier of the target payment account in the storage unit of the IoT device. Correspondingly, before generating the payment barcode of the target payment account according to the payment identifier of the target payment account, the IoT device may further obtain the payment identifier of the target payment account from the storage unit when the IoT device is offline. Specifically, the IoT device stores the payment identifier of the target payment account in the storage unit. When the IoT device is offline, the IoT device can obtain the payment identifier of the target payment account from the storage unit, and perform a payment operation according to the payment identifier. So as to achieve the effect of offline payment. FIG. 5 is an application scenario diagram of a device payment method provided by another embodiment of the present invention. As shown in FIG. 5 , the scenario includes an IoT device 100, a payment device 400, and a server 300. The payment device 400 may include scanning a code Guns and other equipment. FIG. 6 is a schematic flowchart of a device payment method provided by another embodiment of the present invention. As shown in FIG. 6, based on the scenario in FIG. 5, the method includes: Step S602, the Internet of Things device is in an offline state, from the storage unit Get the payment ID of the target payment account. Step S604, the IoT device generates and displays the payment barcode of the target payment account according to the payment identifier of the target payment account and the offline barcode generation algorithm; Step S606, the payment device collects the barcode information of the payment barcode; Step S608, the payment device Send the barcode information, transaction information and business information to the server; Step S610, the server receives the barcode information, transaction information and business information of the payment barcode sent by the payment device, and the server parses the barcode information of the payment barcode to obtain the target The payment identifier of the payment account, parses the merchant information, determines the merchant's collection account, and determines the payment amount according to the transaction information; Step S612, the server performs the payment in the target payment account according to the payment identifier and the payment amount of the target payment account. Deduction operation, according to the received amount, the corresponding crediting operation is performed in the merchant's receiving account. To sum up, this embodiment has the following advantages: 1. The payment function is combined with NB-IoT, and the advantages of NB-IoT are applied to the payment field to optimize payment experience. 2. It is very suitable for mobile payment of IoT devices. Based on the advantages of low power consumption, wide coverage and large capacity of NB-IoT, it can enable IoT devices to perform payment operations for a long time. 3. IoT devices can realize offline payment, which is convenient for users to operate. 4. The effect of long-distance communication can be achieved through NB-IoT, which is convenient for IoT devices to interact with the server. FIG. 7 is a schematic flowchart of a device payment method provided by another embodiment of the present invention. The method can be applied to a mobile terminal and executed by the mobile terminal. As shown in FIG. 7 , the process includes the following steps: Step S702 , from the Internet of Things device The account binding request is obtained at After the response information of the function is transmitted, the response information is sent by the server according to the payment function activation request from the Internet of Things device; the Internet of Things device and the server communicate through NB-IoT communication; Step S704, according to the account binding request , send a binding notification message to the server, and the binding notification message is used to notify the server to bind the target payment account with the IoT device. It can be seen that, in this embodiment of the present invention, the mobile terminal can obtain an account binding request from the Internet of Things device, and send a binding notification message to the server according to the account binding request, and the binding notification message is used to notify the server to assign the target payment account Binding with IoT devices, thus binding the target payment account with IoT devices, enabling IoT devices to have payment functions, and expanding users' payment scenarios. In the above step S704, a binding notification message is sent to the server according to the account binding request. Specifically, the account binding query information is generated according to the account binding request, and the account binding query information is used to ask the user whether to allow the target The payment account is bound with the IoT device. If it is determined that the user allows the target payment account to be bound with the IoT device, a binding notification message is sent to the server. For example, the mobile terminal generates a pop-up box according to the account binding request, and the pop-up box displays "Are you sure to bind the account XXX to the device XXX?", and the mobile terminal also displays an OK button and a cancel button. If the user clicks the OK button, the mobile terminal It is determined that the user allows the target payment account to be bound with the IoT device, and a binding notification message is sent to the server. If the user clicks the cancel button, the mobile terminal ends the binding process. Further, before generating the account binding query information, the mobile terminal may also perform identity verification on the user, and if it is determined that the user identity verification is passed, the account binding query information is generated. Specifically, the mobile terminal can perform identity verification on the user, and the verification methods include but are not limited to biometric verification, account password verification, SMS verification code verification, etc. If it is determined that the user's identity verification is passed, the account binding inquiry information is generated, and after the confirmation After the user allows the target payment account to be bound with the IoT device, a binding notification message is sent to the server. If the user identity verification fails, the mobile terminal may display corresponding prompt information. In this embodiment, the accuracy and security of account binding can be guaranteed through the dual methods of identity verification and inquiry authentication. It can be seen that the payment function of the Internet of Things device can be realized through this embodiment. The mobile terminal in this embodiment can implement various processes implemented by the aforementioned mobile terminal, and achieve the same effect, which will not be repeated here. FIG. 8 is a schematic flowchart of a device payment method provided by another embodiment of the present invention. The method can be applied to a server and executed by the server. As shown in FIG. 8 , the process includes the following steps: Step S802, through NB-IoT The communication method receives the payment function activation request sent by the Internet of Things device, and returns response information to the Internet of Things device through the NB-IoT communication method according to the payment function activation request, and the response information is used to indicate that the payment function is allowed to be activated; Step S804, receive the information sent by the mobile terminal. The binding notification message, according to the binding notification message, binds the target payment account in the mobile terminal with the IoT device; the binding notification message is sent by the mobile terminal according to the account binding request obtained from the IoT device, and the account The binding request is used to request to bind the target payment account in the mobile terminal with the IoT device; Step S806, issue the payment identifier of the target payment account to the IoT device through the NB-IoT communication method, the payment identifier of the target payment account Used to debit the target payment account. It can be seen that in the embodiment of the present invention, the server can receive the payment function activation request sent by the IoT device through the NB-IoT communication method, and return the response information to the IoT device through the NB-IoT communication method according to the payment function activation request, and receive The binding notification message sent by the mobile terminal, according to the binding notification message, bind the target payment account in the mobile terminal with the IoT device, and issue the payment identifier of the target payment account to the IoT device through NB-IoT communication , so the IoT device can realize the payment function based on the payment identification, thereby expanding the user's payment scenarios. In the above-mentioned step S802, the response information is returned to the Internet of Things device through the NB-IoT communication method according to the payment function activation request, specifically: extracting the device feature information of the Internet of Things device from the payment function activation request, such as device identification, according to the Internet of Things device. The device feature information of the device verifies whether the IoT device is a device that allows the payment function to be opened. If so, it returns the response information indicating that the payment function is allowed to be opened to the IoT device through the NB-IoT communication method. The communication method returns the response information to the IoT device indicating that the payment function is not allowed to be activated. Specifically, a table is stored in the server, and the table is used to record the device feature information of the device that allows the payment function to be opened. After the server extracts the device feature information of the IoT device, it searches the table for the extracted device feature information. , if it is found, it is determined that the IoT device is a device that allows the opening of the payment function, and the response information indicating that the payment function is allowed to be opened to the IoT device is returned. If it is not found, it is determined that the IoT device is not allowed to open the payment function. The device returns a response message indicating that the payment function is not allowed to be opened to the IoT device. Of course, in other ways, the table may also record the device feature information of the device that is not allowed to activate the payment function, and this process will not be repeated here. In the above step S802, according to the binding notification message, the target payment account in the mobile terminal is bound to the Internet of Things device, specifically: according to the binding notification message, it is determined whether the number of bound accounts corresponding to the Internet of Things device is greater than or equal to The first quantity threshold, and judging whether the number of bound devices corresponding to the target payment account is greater than the second number threshold, if the number of bound accounts corresponding to the IoT devices is not greater than the first number threshold, and the target payment account corresponds to If the number of bound devices is not greater than the second number threshold, the target payment account is bound with the IoT device. Specifically, in order to avoid binding too many devices to the same payment account, or binding too many payment accounts to the same device, in this embodiment, after receiving the binding notification message, the server determines the number of the bound account corresponding to the IoT device. Whether the number is greater than the first number threshold, and determine whether the number of bound devices corresponding to the target payment account is greater than the second number threshold, the first number threshold and the second number threshold can be set as required. If the number of predetermined accounts is not greater than the first number threshold, and the number of bound devices corresponding to the target payment account is not greater than the second number threshold, the target payment account is bound to the IoT device. The binding process can be as follows: the server stores a binding record in the database, and the binding record records the account identification of the target payment account and the device identification of the Internet of Things device in a one-to-one correspondence manner to indicate the target payment account and the device identification. The IoT devices are bound to each other. If the number of bound accounts corresponding to the IoT devices is greater than the first number threshold, or the number of bound devices corresponding to the target payment account is greater than the second number threshold, the server may return a notification that the binding cannot be performed to the mobile terminal News. This embodiment can avoid the problem of payment confusion caused by binding too many devices to the same payment account, or binding too many payment accounts to the same device. In this embodiment, the server can also receive the barcode information of the payment barcode sent by the collection device. The payment barcode is generated by the IoT device according to the payment identifier of the target payment account, and the barcode information of the payment barcode is collected by the payment device from the IoT device. , analyze the barcode information of the payment barcode to obtain the payment identifier of the target payment account, and perform a deduction operation in the target payment account according to the payment identifier of the target payment account. The algorithm that the server parses the barcode information to obtain the payment identification corresponds to the algorithm of the IoT device to generate the payment barcode according to the payment identification. After the server obtains the payment identification, it deducts the payment identification from the target payment account according to the payment identification The payment operation may specifically be: according to the payment identifier of the target payment account and the correspondence between the pre-recorded payment identifier and the account identifier, determine the account identifier of the target payment account, and according to the account identifier of the target payment account, in the target payment account Carry out deduction operations. It can be seen that the payment function of the Internet of Things device can be realized through this embodiment. The server in this embodiment can implement each process implemented by the aforementioned server, and achieve the same effect, which will not be repeated here. An embodiment of the present invention also provides a device payment device, which is applied to an Internet of Things device. FIG. 9 is a schematic diagram of the module composition of the device payment device provided by an embodiment of the present invention. As shown in FIG. 9 , the device includes: The group 91 is used to send the payment function activation request to the server through the NB-IoT communication method, and receive the response information returned by the server according to the payment function activation request through the NB-IoT communication mode; the request binding module 92 is used for if The response information is used to indicate that the payment function is allowed to be activated, then the account binding request is transmitted to the mobile terminal, and the account binding request is used to request to bind the target payment account in the mobile terminal with the Internet of Things device; the identification storage module 93 is used for Receive the payment identification of the target payment account issued by the server through the NB-IoT communication method, and store the payment identification; wherein, the payment identification of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification The message is sent by the mobile terminal according to the account binding request, the binding notification message is used to notify the server to bind the target payment account with the IoT device, and the payment identifier is used to debit the target payment account. Optionally, the device further includes a payment module for: generating a payment barcode of the target payment account according to the payment identifier of the target payment account; displaying the payment barcode of the target payment account, and the barcode information of the payment barcode is collected by the collection device and collected. Sent to the server for debiting the target payment account through the server. Optionally, the identification storage module 93 is specifically used to: store the payment identification of the target payment account in the storage unit of the Internet of Things device; the device further includes: an offline acquisition module, used to store the payment identification of the target payment account according to the payment identification of the target payment account. , before generating the payment barcode of the target payment account, when the IoT device is offline, obtain the payment identifier of the target payment account from the storage unit. It can be seen that, in the embodiment of the present invention, the IoT device can send a payment function activation request to the server through the NB-IoT communication method, and receive the response information returned by the server according to the payment function activation request through the NB-IoT communication mode. The response information is used to indicate that when the payment function is allowed to be activated, the account binding request is transmitted to the mobile terminal to request to bind the target payment account in the mobile terminal with the Internet of Things device, and receive the server through NB-IoT communication. The payment identifier of the target payment account is stored and stored. Since the payment identifier is used for debiting the target payment account, the IoT device can realize the payment function based on the payment identifier, thereby expanding the user's payment scenarios. The device payment device in the embodiment of the present invention can realize the aforementioned various processes realized by the Internet of Things device, and achieve the same effect, which will not be repeated here. An embodiment of the present invention further provides a device payment device, which is applied to a mobile terminal. FIG. 10 is a schematic diagram of a module composition of the device payment device provided by an embodiment of the present invention. As shown in FIG. 10 , the device includes: a request acquisition module 101, used to obtain an account binding request from the Internet of Things device, where the account binding request is used to request to bind the target payment account in the mobile terminal with the Internet of Things device; the account binding request is received by the Internet of Things device from the Internet of Things device. The response information is transmitted after the server indicates that the payment function is allowed to be activated. The response information is sent by the server according to the payment function activation request from the Internet of Things device; the Internet of Things device and the server communicate through NB-IoT. Communication; The notification sending module 102 is used to send a binding notification message to the server according to the account binding request, and the binding notification message is used to notify the server to bind the target payment account with the IoT device. Optionally, the notification sending module 102 is specifically configured to: generate account binding query information according to the account binding request; the account binding query information is used to ask the user whether to allow the target payment account to be bound with the Internet of Things device; if It is determined that the user allows the target payment account to be bound with the IoT device, and a binding notification message is sent to the server. Optionally, the device further includes: an identity verification module for performing identity verification on the user before generating the account binding query information; if it is determined that the user identity verification passes, generating the account binding query information. It can be seen that, in this embodiment of the present invention, the mobile terminal can obtain an account binding request from the Internet of Things device, and send a binding notification message to the server according to the account binding request, and the binding notification message is used to notify the server to assign the target payment account Binding with IoT devices, thus binding the target payment account with IoT devices, enabling IoT devices to have payment functions, and expanding users' payment scenarios. The device payment apparatus in the embodiment of the present invention can implement the various processes implemented by the aforementioned mobile terminal, and achieve the same effect, which will not be repeated here. An embodiment of the present invention also provides a device payment device, which is applied to a server. FIG. 11 is a schematic diagram of a module composition of the device payment device provided by an embodiment of the present invention. As shown in FIG. 11 , the device includes: a request receiving module 111, used to receive the payment function activation request sent by the IoT device through the narrowband Internet of Things NB-IoT communication method, and return response information to the IoT device through the NB-IoT communication method according to the payment function activation request, and the response information is used to indicate that the activation is allowed. Payment function; the account binding module 112 is used for receiving the binding notification message sent by the mobile terminal, and according to the binding notification message, binds the target payment account in the mobile terminal with the Internet of Things device; the binding notification message is determined by the mobile terminal The terminal is sent according to the account binding request obtained from the IoT device, and the account binding request is used to request to bind the target payment account in the mobile terminal with the IoT device; the identification issuing module 113 is used to pass the NB -The payment identifier of the target payment account is issued to the IoT device by the IoT communication method, and the payment identifier of the target payment account is used for deduction operation in the target payment account. Optionally, the request receiving module 111 is specifically used to: extract the device feature information of the Internet of Things device from the payment function activation request; verify whether the Internet of Things device is a device that allows the payment function to be opened according to the device feature information of the Internet of Things device; , the response information indicating that the payment function is allowed to be opened is returned to the IoT device through the NB-IoT communication method. Optionally, the account binding module 112 is specifically configured to: according to the binding notification message, determine whether the number of bound accounts corresponding to the IoT device is greater than the first number threshold, and determine the bound device corresponding to the target payment account. If the number of bound accounts corresponding to IoT devices is not greater than the first number threshold, and the number of bound devices corresponding to the target payment account is not greater than the second number threshold, the The target payment account is bound to the IoT device. Optionally, the device further includes a deduction module for: receiving the barcode information of the payment barcode sent by the collection device; the payment barcode is generated by the Internet of Things device according to the payment identifier of the target payment account; the barcode information of the payment barcode is generated by the payment barcode. The device collects from the IoT device; parses the barcode information of the payment barcode to obtain the payment identifier of the target payment account; deducts the payment in the target payment account according to the payment identifier of the target payment account. It can be seen that in the embodiment of the present invention, the server can receive the payment function activation request sent by the IoT device through the NB-IoT communication method, and return the response information to the IoT device through the NB-IoT communication method according to the payment function activation request, and receive The binding notification message sent by the mobile terminal, according to the binding notification message, bind the target payment account in the mobile terminal with the IoT device, and issue the payment identifier of the target payment account to the IoT device through NB-IoT communication , so the IoT device can realize the payment function based on the payment identification, thereby expanding the user's payment scenarios. The device payment apparatus in the embodiment of the present invention can implement the various processes implemented by the foregoing server, and achieve the same effect, which will not be repeated here. Further, an embodiment of the present invention also provides an electronic device. FIG. 12 is a schematic structural diagram of the electronic device provided by an embodiment of the present invention. As shown in FIG. 12 , the electronic devices may have relatively large differences due to different configurations or performances. , may include one or more processors 1201 and a memory 1202, and the memory 1202 may store one or more storage applications or data. Among them, the memory 1202 can be short-term storage or persistent storage. Application programs stored in memory 1202 may include one or more modules (not shown), each of which may include a series of computer-executable instructions for the electronic device. Further, the processor 1201 may be configured to communicate with the memory 1202 to execute a series of computer-executable instructions in the memory 1202 on the electronic device. The electronic device may also include one or more power supplies 1203 , one or more wired or wireless network interfaces 1204 , one or more input and output interfaces 1205 , one or more keyboards 1206 , and the like. In a specific embodiment, the electronic device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, And each module may include a series of computer-executable instructions in an electronic device, and configured to be executed by one or more processors, the one or more packages including computer-executable instructions for performing the following: The Internet of Things NB-IoT communication method sends the payment function activation request to the server, and receives the response information returned by the server according to the payment function activation request through the NB-IoT communication method; The terminal transmits an account binding request, and the account binding request is used to request to bind the target payment account in the mobile terminal with the Internet of Things device; receive the payment identifier of the target payment account issued by the server through NB-IoT communication, and Store the payment identifier; wherein, the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, the binding notification message is sent by the mobile terminal according to the account binding request, and the binding notification message is used to notify the server to The target payment account is bound with the IoT device, and the payment identifier is used to debit the target payment account. Optionally, when the computer-executable instruction is executed, it further includes: generating a payment barcode of the target payment account according to the payment identifier of the target payment account; displaying the payment barcode of the target payment account, and the barcode information of the payment barcode is collected by the payment device. And send it to the server to debit the target payment account through the server. Optionally, when the computer-executable instruction is executed, the payment identifier is stored, including: storing the payment identifier of the target payment account in the storage unit of the Internet of Things device; generating the payment identifier of the target payment account according to the payment identifier of the target payment account Before the payment barcode, the method further includes: acquiring the payment identifier of the target payment account from the storage unit when the IoT device is offline. The electronic device in the embodiment of the present invention can implement the aforementioned various processes implemented by the Internet of Things device, and achieve the same effect, which will not be repeated here. In another specific embodiment, the electronic device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules , and each module may include a series of computer-executable instructions for an electronic device, and be configured to be executed by one or more processors to execute the one or more packages including computer-executable instructions for performing the following: The account binding request is obtained from the IoT device, and the account binding request is used to request to bind the target payment account in the mobile terminal with the IoT device; the account binding request is made by the IoT device after receiving the representation from the server. The response information for enabling the payment function is allowed to be transmitted, and the response information is sent by the server according to the payment function opening request from the IoT device; the IoT device and the server communicate through the narrowband IoT NB-IoT communication method; according to the account binding A binding notification message is sent to the server, and the binding notification message is used to notify the server to bind the target payment account with the IoT device. Optionally, when the computer-executable instruction is executed, according to the account binding request, send a binding notification message to the server, including: generating account binding query information according to the account binding request; the account binding query information is used for Ask the user whether to allow the target payment account to be bound to the IoT device; if it is determined that the user allows the target payment account to be bound to the IoT device, a binding notification message is sent to the server. Optionally, when the computer-executable instruction is executed, before generating the account binding query information, it further includes: performing identity verification on the user; if it is determined that the user identity verification is passed, generating the account binding query information. The electronic device in the embodiment of the present invention can implement various processes implemented by the aforementioned mobile terminal, and achieve the same effect, which will not be repeated here. In another specific embodiment, the electronic device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules , and each module may include a series of computer-executable instructions for an electronic device, and configured to be executed by one or more processors to execute the one or more packages including computer-executable instructions for performing the following: Narrowband IoT NB-IoT communication method receives the payment function activation request sent by the IoT device, and returns response information to the IoT device through the NB-IoT communication method according to the payment function activation request, and the response information is used to indicate that the payment function is allowed to be activated; Receive action The binding notification message sent by the terminal, according to the binding notification message, binds the target payment account in the mobile terminal with the IoT device; the binding notification message is made by the mobile terminal according to the account binding request obtained from the IoT device Send, the account binding request is used to request to bind the target payment account in the mobile terminal with the IoT device; send the payment ID of the target payment account to the IoT device through NB-IoT communication, and the payment ID of the target payment account Used to debit the target payment account. Optionally, when the computer-executable instruction is executed, the response information is returned to the Internet of Things device through NB-IoT communication according to the payment function activation request, including: extracting device feature information of the Internet of Things device from the payment function activation request; The device feature information of the IoT device verifies whether the IoT device is a device that allows the activation of the payment function; if so, returns the response information indicating that the payment function is allowed to be activated to the IoT device through the NB-IoT communication method. Optionally, when the computer-executable instruction is executed, according to the binding notification message, the target payment account in the mobile terminal is bound with the Internet of Things device, including: according to the binding notification message, judging that the Internet of Things device corresponds to the completed payment account. Whether the number of bound accounts is greater than the first number threshold, and determine whether the number of bound devices corresponding to the target payment account is greater than the second number threshold; if the number of bound accounts corresponding to IoT devices is not greater than the first number threshold , and if the number of bound devices corresponding to the target payment account is not greater than the second number threshold, the target payment account is bound to the IoT device. Optionally, when the computer-executable instruction is executed, it further includes: receiving the barcode information of the payment barcode sent by the collection device; the payment barcode is generated by the Internet of Things device according to the payment identifier of the target payment account; the barcode information of the payment barcode is generated by the payment barcode. The device collects from the IoT device; parses the barcode information of the payment barcode to obtain the payment identifier of the target payment account; deducts the payment in the target payment account according to the payment identifier of the target payment account. The electronic device in the embodiment of the present invention can implement each process implemented by the foregoing server, and achieve the same effect, which will not be repeated here. Further, an embodiment of the present invention also provides a storage medium for storing computer-executable instructions. In a specific embodiment, the storage medium may be a USB flash drive, an optical disk, a hard disk, etc. When the executable instruction is executed by the processor, it can realize the following process: Send the payment function activation request to the server through the NB-IoT communication mode of the narrowband Internet of Things, and receive the payment function activation request returned by the server through the NB-IoT communication mode. Response information; if the response information is used to indicate that the payment function is allowed to be activated, the account binding request is transmitted to the mobile terminal, and the account binding request is used to request to bind the target payment account in the mobile terminal with the IoT device; The IoT communication method receives the payment identifier of the target payment account issued by the server, and stores the payment identifier; wherein, the payment identifier of the target payment account is sent by the server according to the binding notification message sent by the mobile terminal, and the binding notification message is sent by the mobile terminal. Sent according to the account binding request, the binding notification message is used to notify the server to bind the target payment account with the IoT device, and the payment identifier is used to debit the target payment account. Optionally, the computer-executable instructions stored in the storage medium, when executed by the processor, further include: generating a payment barcode of the target payment account according to the payment identifier of the target payment account; The barcode information is collected by the payment device and sent to the server for debiting the target payment account through the server. Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the payment identifier is stored, including: storing the payment identifier of the target payment account in the storage unit of the Internet of Things device; The identification, before generating the payment barcode of the target payment account, further includes: when the Internet of Things device is offline, acquiring the payment identification of the target payment account from the storage unit. The storage medium in the embodiment of the present invention can implement various processes implemented by the aforementioned Internet of Things device, and achieve the same effect, which will not be repeated here. In another specific embodiment, the storage medium may be a USB flash drive, an optical disk, a hard disk, etc., when the computer-executable instructions stored in the storage medium are executed by the processor, the following processes can be implemented: Obtaining from an Internet of Things device Account binding request, the account binding request is used to request to bind the target payment account in the mobile terminal with the IoT device; the account binding request is made by the IoT device when it receives an indication from the server that the payment function is allowed to be activated. After the response information is transmitted, the response information is sent by the server according to the payment function activation request from the IoT device; the IoT device and the server communicate through the NB-IoT communication method of the Internet of Things; according to the account binding request, the server is sent to the server. The server sends a binding notification message, and the binding notification message is used to notify the server to bind the target payment account with the IoT device. Optionally, when the computer-executable instruction stored in the storage medium is executed by the processor, according to the account binding request, sending a binding notification message to the server, including: generating account binding inquiry information according to the account binding request; The account binding inquiry information is used to ask the user whether to allow the target payment account to be bound to the IoT device; if it is determined that the user allows the target payment account to be bound to the IoT device, a binding notification message is sent to the server. Optionally, when the computer-executable instruction stored in the storage medium is executed by the processor, before generating the account binding inquiry information, it further includes: performing identity verification on the user; if it is determined that the user identity verification is passed, generating the account binding Ask for information. The storage medium in the embodiment of the present invention can implement various processes implemented by the aforementioned mobile terminal, and achieve the same effect, which will not be repeated here. In another specific embodiment, the storage medium may be a USB flash drive, an optical disk, a hard disk, etc., when the computer-executable instructions stored in the storage medium are executed by the processor, the following processes can be implemented: The IoT communication method receives the payment function activation request sent by the IoT device, and returns the response information to the IoT device through the NB-IoT communication method according to the payment function activation request. The response information is used to indicate that the payment function is allowed to be activated; Receive the binding sent by the mobile terminal The notification message, according to the binding notification message, binds the target payment account in the mobile terminal with the IoT device; the binding notification message is sent by the mobile terminal according to the account binding request obtained from the IoT device, and the account is bound The request is used to request to bind the target payment account in the mobile terminal with the IoT device; the payment identifier of the target payment account is issued to the IoT device through NB-IoT communication, and the payment identifier of the target payment account is used for payment at the target debit the account. Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the response information is returned to the Internet of Things device through NB-IoT communication according to the payment function activation request, including: extracting the Internet of Things from the payment function activation request. Device feature information of the device; verify whether the IoT device is a device that allows the payment function to be opened according to the device feature information of the IoT device; if so, return a response indicating that the payment function is allowed to be opened to the IoT device through NB-IoT communication News. Optionally, when the computer-executable instruction stored in the storage medium is executed by the processor, according to the binding notification message, the target payment account in the mobile terminal is bound with the Internet of Things device, including: according to the binding notification message, Determine whether the number of bound accounts corresponding to the IoT device is greater than the first number threshold, and determine whether the number of bound devices corresponding to the target payment account is greater than the second number threshold; If the number is not greater than the first number threshold, and the number of bound devices corresponding to the target payment account is not greater than the second number threshold, the target payment account is bound to the IoT device. Optionally, the computer-executable instructions stored in the storage medium, when executed by the processor, further include: receiving barcode information of the payment barcode sent by the collection device; the payment barcode is generated by the Internet of Things device according to the payment identifier of the target payment account; The barcode information of the payment barcode is collected by the payment device from the IoT device; the barcode information of the payment barcode is analyzed to obtain the payment identifier of the target payment account; according to the payment identifier of the target payment account, the deduction operation is performed in the target payment account. The storage medium in the embodiment of the present invention can implement each process implemented by the foregoing server, and achieve the same effect, which will not be repeated here. In the 1990s, an improvement in a technology could be clearly distinguished as a hardware improvement (for example, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (for methods and procedures) Improve). However, with the development of technology, the improvement of many methods and processes today can be regarded as a direct improvement of the hardware circuit structure. Designers almost get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method process cannot be achieved by hardware entity modules. For example, a Programmable Logic Device (PLD) (eg, Field Programmable Gate Array (FPGA)) is an integrated circuit whose logic function is determined by user programming of the device. A digital system is "integrated" on a PLD by the designer's own programming, without the need for a chip manufacturer to design and fabricate a dedicated integrated circuit chip. Moreover, instead of hand-making integrated circuit chips, this kind of programming is now mostly implemented using "logic compiler" software, which is similar to the software compiler used in programming, but requires The original code before compilation must also be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., The most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be clear to those skilled in the art that a hardware circuit for implementing the logic method flow can be easily obtained by simply programming the method flow in the above-mentioned several hardware description languages and programming it into an integrated circuit. The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable code (eg software or firmware) storing computer readable program code (eg software or firmware) executable by the (micro)processor Forms of media, logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers, examples of controllers include but are not limited to the following microcontrollers: ARC 625D, For Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the memory control logic. Those skilled in the art also know that, in addition to implementing the controller in the form of pure computer-readable code, the controller can be controlled by logic gates, switches, dedicated integrated circuits, and programmable logic by logically programming the method steps. The same function can be realized in the form of a device and an embedded microcontroller. Therefore, the controller can be regarded as a hardware component, and the devices for realizing various functions included in the controller can also be regarded as a structure in the hardware component. Or even, the means for implementing various functions can be regarded as both a software module for implementing the method and a structure within a hardware component. The systems, devices, modules or units described in the above embodiments may be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a notebook computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device Or a combination of any of these devices. For the convenience of description, when describing the above device, the functions are divided into various units and described respectively. Of course, when implementing the present invention, the functions of each unit may be implemented in one or more software and/or hardware. As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) having computer-usable code embodied therein . The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each process and/or block in the flowchart illustrations and/or block diagrams, and combinations of processes and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine that causes the instructions to be executed by the processor of the computer or other programmable data processing device Means are created for implementing the functions specified in the flow or flows of the flowcharts and/or the blocks or blocks of the block diagrams. These computer program instructions may also be stored in computer readable memory capable of directing a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction means , the instruction means implements the functions specified in the flow or flow of the flowchart and/or the block or blocks of the block diagram. These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operational steps are performed on the computer or other programmable device to produce a computer-implemented process that can be executed on the computer or other programmable device. The instructions executed on the above provide steps for implementing the functions specified in the flow diagram flow or flow diagrams and/or the block diagram flow diagram block or blocks. In a typical configuration, a computing device includes one or more processors (CPUs), an input/output interface, a network interface, and memory. Memory may include non-persistent memory in computer readable media, random access memory (RAM) and/or non-volatile memory in the form of read only memory (ROM) or flash memory RAM). Memory is an example of a computer-readable medium. Computer readable media includes both permanent and non-permanent, removable and non-removable media and can be implemented by any method or technology for storage of information. Information can be computer readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM) , Read-Only Memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Flash Memory or Other Memory Technologies, CD-ROM Read-Only Memory (CD-ROM), Digital Versatile A compact disc (DVD) or other optical storage, magnetic cassette, magnetic tape storage or other magnetic storage device or any other non-transmission medium may be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media, such as modulated data signals and carrier waves. It should also be noted that the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device comprising a series of elements includes not only those elements, but also Other elements not expressly listed, or which are inherent to such a process, method, article of manufacture, or apparatus are also included. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in the process, method, article of manufacture, or device that includes the element. As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) having computer-usable code embodied therein . The invention may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The invention may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may reside in local and remote computer storage media, including storage devices. Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the system embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and for related parts, please refer to the partial descriptions of the method embodiments. The above descriptions are merely embodiments of the present invention, and are not intended to limit the present invention. Various modifications and variations of the present invention are possible for those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included within the scope of the patent application of the present invention.