WO2019214305A1 - Doi-based payment method, apparatus and device - Google Patents

Abstract

A DOI-based payment method, apparatus and device. In a scene where a user performs code-scanning payment by means of a code-scanning device, a pricing device can present the amount required for payment by the user, and the corresponding settlement device can provide a two-dimensional payment code for the user on the basis of the presented amount, the two-dimensional code reflecting the amount required for payment by the user. In this way, the user can complete the payment only by using a code-scanning device to scan the amount DOI.

Description

DOI-based payment method, device and device Technical field

The present application relates to the field of computer technologies, and in particular, to a DOI-based payment method, apparatus, and device.

Background technique

Currently, Digital Object Unique Identifier (DOI) such as two-dimensional code is widely used in mobile payment scenarios.

For the existing mobile payment scenario, the user can scan the QR code of the payee through the mobile terminal, enter the payment page, and input a corresponding payment amount in the payment page to complete the payment service.

Based on the prior art, there is a need for a mobile payment method that can further reduce user operations.

Summary of the invention

The embodiment of the present specification provides a DOI-based payment method, device and device for providing a more convenient mobile payment solution.

The embodiments of the present specification adopt the following technical solutions:

The embodiment of the present specification provides a DOI-based payment method, including:

The pricing equipment displays the amount to be paid;

The settlement device provides an amount digital object unique identifier DOI for reflecting the to-be-paid amount according to the amount to be paid displayed;

The scan code device scans the amount DOI provided by the settlement device to initiate a payment request to the server to complete the payment;

Wherein, the amount of money DOI includes at least a two-dimensional code of the amount.

The embodiment of the present specification provides a DOI-based payment method on the settlement device side, including:

The settlement device acquires the information to be paid by the user based on the service obtained by the user; wherein the quantized value corresponding to the to-be-paid information matches the value corresponding to the service obtained by the user;

Generating an amount of money DOI according to the to-be-paid information, and displaying, so that the user scans the amount of DOI through the scanning device to perform payment;

Wherein, the amount of money DOI includes at least a two-dimensional code.

The embodiment of the present specification provides a DOI-based payment method on the scanning device side, including:

Scan the amount of money displayed by the billing device DOI;

Obtaining information to be paid from the amount of money DOI;

A payment request is generated according to the to-be-paid information and sent to the server for payment.

The embodiment of the present specification provides a DOI-based payment method on the server side, including:

Receiving a QR code request sent by the settlement device;

Determining the service party identification information carried in the two-dimensional code request;

Generating two-dimensional code data to the settlement device according to the service party identification information and the to-be-paid amount carried in the two-dimensional code request, so that the settlement device provides the to-be-paid amount based on the barcode data. Amount of DOI.

Correspondingly, the embodiment of the present specification further provides a DOI-based payment device on the pricing device side, including:

The information acquisition module acquires the amount of the user to be paid;

A module is displayed to display the amount to be paid.

Correspondingly, the embodiment of the present specification further provides a DOI-based payment device on the settlement device side, including:

The collection module collects the amount to be paid displayed by the pricing device;

The DOI provides a module, and provides an amount DOI according to the collected amount to be paid;

Wherein, the amount of money DOI includes at least a two-dimensional code of the amount.

Correspondingly, the embodiment of the present specification further provides a DOI-based payment device on the scanning device side, including:

Scanning module, scanning and identifying the amount of DOI displayed by the settlement device;

An information obtaining module, which acquires information to be paid from the amount of money DOI;

The requesting module sends a payment request to the server according to the to-be-paid information to complete the payment.

Correspondingly, the embodiment of the present specification further provides a DOI-based payment device on the server side, including:

Requesting a receiving module to receive a two-dimensional code request sent by the settlement device;

An information determining module, according to the service party identification information carried in the two-dimensional code request;

a barcode data generating module, according to the service party identification information and the to-be-paid amount carried in the two-dimensional code request, generating two-dimensional code data and feeding back to the settlement device, so that the settlement device is based on the two-dimensional code The data provides an amount of DOI that reflects the amount to be paid.

Correspondingly, the embodiment of the present specification further provides a DOI-based payment device on a pricing device side, including: a processor and a memory, where:

The memory storing a DOI-based payment program;

The processor calls a DOI-based payment program stored in the memory and executes:

Obtain the amount of the user to be paid;

Show the amount to be paid.

Correspondingly, the embodiment of the present specification further provides a DOI-based payment device on a settlement device side, including: a processor and a memory, where:

The memory storing a DOI-based payment program;

The processor calls a DOI-based payment program stored in the memory and executes:

Collecting the amount to be paid displayed by the pricing equipment;

Providing an amount DOI according to the collected amount to be paid;

Wherein, the amount of money DOI includes at least a two-dimensional code of the amount.

Correspondingly, the embodiment of the present specification further provides a DOI-based payment device on a scanning device side, including: a processor and a memory, where:

The memory storing a DOI-based payment program;

The processor calls a DOI-based payment program stored in the memory and executes:

Scan and identify the amount of DOI provided by the settlement device;

Obtaining information to be paid from the amount of money DOI;

According to the to-be-paid information, a generated payment request is sent to the server to complete the payment.

Correspondingly, the embodiment of the present specification further provides a DOI-based payment device on a payment server side, including: a processor and a memory, where:

The memory storing a DOI-based payment program;

The processor calls a DOI-based payment program stored in the memory and executes:

Receiving a QR code request sent by the settlement device;

Determining the service party identification information carried in the two-dimensional code request;

Generating two-dimensional code data to the settlement device according to the service party identification information and the to-be-paid amount carried in the two-dimensional code request, so that the settlement device displays the data based on the two-dimensional code data for reflection The amount of the amount to be paid DOI.

The above at least one technical solution adopted by the embodiments of the present specification can achieve the following beneficial effects:

In the scenario where the user performs the scan code payment through the scan code device, after the user obtains the service provided by the service party, the settlement device of the service party can obtain the information to be paid by the user based on the service obtained by the user, generally speaking, The information to be paid reflects the amount the user needs to pay. Thereafter, the user does not need to manually input the amount to be paid after scanning the code, but the settlement device generates an amount DOI including the amount to be paid according to the information to be paid by the user. Thus, the user only needs to scan the amount DOI using the scan code device to complete the payment.

Compared with the existing scanning code payment method, the above method in the embodiment of the present specification can effectively reduce or avoid the operation of the user on the scanning code device, thereby improving the convenience of payment and facilitating the user's Payment experience.

DRAWINGS

The drawings described herein are intended to provide a further understanding of the present application, and are intended to be a part of this application. In the drawing:

FIG. 1 is a schematic structural diagram of a DOI-based payment method according to an embodiment of the present disclosure;

2 is a schematic diagram of a DOI-based payment process provided by an embodiment of the present disclosure;

FIG. 3a is another schematic diagram of a structure on which a DOI-based payment method according to an embodiment of the present disclosure is based;

FIG. 3b is a schematic diagram of a payment method on the settlement device side based on the architecture shown in FIG. 3a; FIG.

4 is a schematic diagram of a DOI-based payment process on a scanning device side according to an embodiment of the present disclosure;

FIG. 5 is a schematic diagram of a DOI-based payment process on a payment server side according to an embodiment of the present disclosure; FIG.

6 is a schematic structural diagram of a DOI-based payment device on a pricing device side according to an embodiment of the present disclosure;

FIG. 7 is a schematic structural diagram of a DOI-based payment device on a settlement device side according to an embodiment of the present disclosure;

FIG. 8 is a schematic structural diagram of a DOI-based payment device on a scanning device side according to an embodiment of the present disclosure;

FIG. 9 is a schematic structural diagram of a DOI-based payment device on a payment server side according to an embodiment of the present disclosure.

detailed description

The technical solutions of the present application will be clearly and completely described in the following with reference to the specific embodiments of the present application and the corresponding drawings. It is apparent that the described embodiments are only a part of the embodiments of the present application, and not all of them. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present application without departing from the inventive scope are the scope of the present application.

In one or more embodiments of the present specification, the DOI may be regarded as a visualized coded graphic identifier, and may specifically include a plurality of code codes generated by QR Code, Code 16K, Ultra-code, or PDF417. Bar code such as one-dimensional bar code, matrix two-dimensional code or row-arranged two-dimensional code.

In the existing partial mobile payment scenario, the consumer user (referred to as the user in the following description) can generally scan the static two-dimensional code provided by the business party such as the merchant, and input the corresponding amount in the payment interface. After that, the payment is completed. Obviously, for this payment scenario, the user needs to perform more operations, which is more inconvenient.

To this end, in the embodiment of the present specification, a DOI-based payment method is provided, which can generate a dynamic two-dimensional code according to the amount of money required by the user, and for the user, only the dynamic two-dimensional code needs to be scanned, that is, The payment can be completed without manually entering the amount to be paid in the payment page, thereby reducing the operations required by the user.

Based on the above, the DOI-based payment method provided in the embodiments of the present specification may adopt an architecture as shown in FIG. 1.

In FIG. 1, the payment server can be regarded as a server in the background of a payment service party (eg, a bank, a payment platform, etc.), and can provide payment services to users and business parties. In a possible implementation, both the user and the business party are registered with the corresponding account in the payment server. Also, in some embodiments of the present specification, the payment server can be used to provide the bar code data required to generate the amount of DOI (this process will be explained in the subsequent content).

Certainly, the foregoing payment server may specifically adopt a clustered, distributed or single server architecture, and the present invention is not limited thereto.

In FIG. 1, the scanning code device is used by a user, and may generally include, but is not limited to, a mobile phone, a tablet computer, a smart watch, Augmented Reality (AR) glasses, a virtual reality (VR) helmet, etc. The device of the code function is not specifically limited herein.

In FIG. 1, the pricing device can display the corresponding amount to be paid based on the service obtained by the user (the business here can be understood as the product/service obtained by the user).

In FIG. 1, the settlement device may generate a corresponding amount of DOI (eg, a two-dimensional code) according to the amount to be paid displayed by the pricing device, so that the user can scan the code using the scan code device.

In the embodiment of the present specification, the pricing device and the settlement device are disposed on the service side, and generally, the service party can provide the goods/services to the user. The business party can be a merchant or other business entity.

The merchants described herein may specifically include, but are not limited to, supermarkets, shopping malls, restaurants, cafes, dry cleaners, and the like. The other business entities mentioned may include, but are not limited to, taxis, toll stations, parking booths, and the like.

It should be understood that when the user uses the goods/services provided by the above-mentioned business parties, it may be necessary to scan the two-dimensional code of the business party to enter the payment page after confirming the consumption amount, and input the corresponding amount in the payment page to complete the payment. The DOI-based payment method in the embodiment of the present specification can reduce the operations performed by the user.

Based on the above-described architecture as shown in FIG. 1, the technical solutions provided in the embodiments of the present specification will be described in detail below.

A DOI-based payment method is provided in the embodiment of the present specification. As shown in FIG. 2, the method specifically includes the following steps:

Step S201: The pricing device displays the amount to be paid.

In some embodiments of the present specification, the pricing device may specifically be a cash register device, a meter, or the like capable of displaying an amount to be paid. The pricing device may display the amount to be paid by using various means such as an LED screen, a partial display area, and the like. It should be understood here that the timing at which the pricing device displays the amount to be paid is usually when the user needs to make a mobile payment. Of course, there is no specific limitation here.

Step S203: The settlement device provides an amount digital object unique identifier DOI for reflecting the to-be-paid amount according to the displayed to-be-paid amount.

In a possible manner in the embodiments of the present specification, the settlement device is a device having an image recognition function capable of identifying a payment amount displayed by the pricing device. The settlement device may have an image recognition device (such as a camera), and at the same time, has a display device (such as a display screen), and the settlement device may be a device such as a mobile phone or a tablet computer, or may be specially customized to implement the above payment method. Equipment. Of course, this does not constitute a limitation on the present application.

In another possible manner in the embodiments of the present specification, the settlement device may obtain the to-be-paid amount by means of communication transmission.

Of course, the above two methods should not constitute a limitation on the present application.

The amount of money DOI can be considered as a payment two-dimensional code generated based on the amount to be paid, in other words, by means of the amount of DOI, the operation performed by the user in the payment process can be reduced or avoided as much as possible.

In the embodiment of the present specification, the manner in which the settlement device provides the DOI of the amount may be displayed in various manners, such as printing and projection, in addition to being displayed on the screen, and the present invention is not limited thereto.

Step S205: The scan code device scans the amount of money DOI provided by the settlement device, and initiates a payment request to the server to complete the payment.

In the actual application, the user can complete the payment by scanning the code for the amount DOI, and the user can no longer input the corresponding amount information.

Through the above steps, in the scenario where the user performs the scan code payment through the scan code device, after the user obtains the service provided by the service party, the settlement device of the service party can obtain the information to be paid by the user based on the service obtained by the user. In general, the information to be paid reflects the amount the user needs to pay. Thereafter, the user does not need to manually input the amount to be paid after scanning the code, but the settlement device generates an amount DOI including the amount to be paid according to the information to be paid by the user. Thus, the user only needs to scan the amount DOI using the scan code device to complete the payment.

Compared with the existing scanning code payment method, the above method in the embodiment of the present specification can effectively reduce or avoid the operation of the user on the scanning code device, thereby improving the convenience of payment and facilitating the user's Payment experience.

The above is the process performed by each end of the architecture shown in FIG. 1 to implement the payment method in the embodiment of the present specification. The payment method in the embodiment of the present specification will be described in detail below based on the angles of different sides.

For the pricing device and the settlement device on the service side, in some application scenarios, it can be implemented by a unified device, and its architecture can be as shown in Figure 3a. The specific method flow can be as shown in FIG. 3b, and specifically includes the following steps:

Step S301: Acquire information about the user to be paid based on the service obtained by the user.

In practical applications, for the business party, when the user obtains the goods/services provided by the business party, the settlement is usually performed. In other words, the user's pending payment information will be obtained by the business party's settlement device. The information to be paid may generally include at least one of an amount to be paid and a business item obtained by the user.

Of course, there may be multiple ways for the settlement device to obtain the information to be paid. For example, the settlement device has an automatic charging function (applicable to a parking lot toll booth, a taxi, etc.), so that the user can obtain the service in real time. Get the user's pending payment information. For another example, the settlement device obtains the information to be paid by the user by acquiring the product information of the product purchased by the user (applicable to a supermarket, a shopping mall, a restaurant, etc.).

It can be seen that, in the embodiment of the present specification, the quantized value (usually the amount to be paid) corresponding to the to-be-paid information matches the value corresponding to the service obtained by the user.

Step S303: The amount of money DOI is provided according to the to-be-paid information, so that the user scans the DOI for payment by the scanning device.

For the existing method, in the actual application, the settlement device may display the amount corresponding to the information to be paid to the user or the business personnel, and then the user scans the QR code of the service party by using the scan code device. And enter the corresponding payment amount.

Different from the manner in which the existing user needs to input the amount to be paid on the payment page, in the embodiment of the present specification, the settlement device may provide the corresponding amount of DOI according to the information to be paid corresponding to the user's obtained service, and the amount of the DOI is included in the amount. The corresponding amount to be paid, as much as possible, reduces or avoids the operation of the user inputting the amount.

Obviously, in this case, the user only needs to use the corresponding scanning device to scan the amount DOI provided in this step to complete the payment.

Of course, it can be understood that the amount of money DOI provided by the settlement device may generally include the account information of the business party in addition to the information to be paid by the user.

It should be noted that, in different embodiments of the present specification, there may be a certain difference in the specific manner in which the settlement device provides the amount of DOI (the following description is based on the amount of the two-dimensional code):

method one

In this mode, the settlement device locally stores the identification information of the service party (for example, the account information, ID, and the like registered by the service party in the payment server), and then the settlement device can directly generate the two-dimensional code of the amount locally. That is, the amount of money DOI is generated according to the to-be-paid information, specifically: generating the two-dimensional code of the amount according to the to-be-paid amount included in the to-be-paid information and the identification information of the business party.

Way two

In this mode, the settlement device does not store the identification information of the service party locally, but only the identification information of the settlement device itself (eg, device number, MAC address, etc.). Generally, the settlement device has a binding relationship with the business party, and the server can record the binding relationship.

Therefore, the process of the payment device providing the two-dimensional code may be: generating a two-dimensional code request according to the to-be-paid amount included in the to-be-paid information, and the identification information of the settlement device, and sending the request to the server; The settlement device has a binding relationship with the service party; and receives the two-dimensional code data that is fed back by the server based on the two-dimensional code request; wherein the two-dimensional code data may include a corresponding payment identifier (eg, Paying a token); displaying the amount of the two-dimensional code according to the two-dimensional code data.

For the method shown in FIG. 3 above, the execution subject may generally be a device having an amount display function and a two-dimensional code providing function.

Of course, in some practical application scenarios, the execution entity in FIG. 3 may be a pricing device and a settlement device in the architecture shown in FIG. 1.

Specifically, the process of displaying the information to be paid by the pricing device may be: the pricing device acquires the amount of the user to be paid and displays based on the service obtained by the user.

The settlement device may provide, according to the amount to be paid, the amount of the DOI for reflecting the to-be-paid amount: the settlement device identifies the amount to be paid displayed by the pricing device, according to the identified And the account to be paid, and the account information of the business party pre-bound with the settlement device, generating a two-dimensional code request to be sent to the server; so that the server feeds back the two-dimensional code data according to the two-dimensional code; The two-dimensional code data fed back by the server displays the amount of the two-dimensional code.

The above is based on the payment method of the service side. For the user side (ie, the scanning device side), the embodiment of the present specification further provides a DOI-based payment method, as shown in FIG. 4, which specifically includes the following steps:

Step S401: Scan the amount of money DOI displayed by the settlement device.

The amount of money DOI is generated by the settlement device acquiring the to-be-paid information of the user based on the service obtained by the user.

Step S403: Obtain information to be paid from the amount of money DOI, where the information to be paid includes at least a payment identifier.

In the embodiment of the present specification, the payment identifier may specifically be a payment token in the foregoing content.

Step S405: Generate a payment request and send it to the server for payment according to the user information and the payment identifier included in the to-be-paid information.

The user information here may specifically be the account information, the user ID, and the like corresponding to the user who uses the scan code device, and is not specifically limited herein.

For the payment method shown in FIG. 4, its execution subject can be considered as a scan code device used by the user.

As an implementation manner of the present specification, in consideration of the fact that the user may pay a large amount of money in an actual business scenario, in order to ensure the security of the user's property, a confirmation page may be popped up on the scanning code device after the user scans the amount of the DOI. In order for the user to confirm the amount of this payment. That is, before the generating payment request is sent to the payment server for payment, the method further includes: generating a confirmation page displaying the amount to be paid, and receiving a confirmation operation of the user on the confirmation page.

The above is a payment method based on the user side. For the server side, the embodiment of the present specification further provides a DOI-based payment method, as shown in FIG. 5, which specifically includes the following steps:

Step S501: Receive a two-dimensional code request sent by the settlement device.

Step S503: Determine, according to the settlement device identifier carried in the two-dimensional code request, the service party identification information that has a binding relationship with the settlement device.

Step S505: Generate, according to the service party identification information and the to-be-paid amount carried in the two-dimensional code request, the two-dimensional code data including the payment identifier, and feed back to the settlement device, so that the settlement device is based on the second The dimension data generates an amount DOI containing the amount to be paid.

The above is a DOI-based payment method provided by the embodiment of the present specification. Based on the same idea, the embodiment of the present specification further provides a corresponding DOI-based payment device.

Specifically, the DOI-based payment device on the pricing device side provided in the embodiment of the present specification is as shown in FIG. 6, and the device includes:

The information obtaining module 601 acquires the amount of the user to be paid;

The display module 602 displays the amount to be paid.

The apparatus shown in FIG. 6 may be implemented by a physical device (eg, a terminal device) in an actual application, and specifically includes: a processor and a memory, where

The memory storing a DOI-based payment program;

The processor calls a DOI-based payment program stored in the memory and executes:

Obtain the amount of the user to be paid;

Show the amount to be paid.

The DOI-based payment device on the settlement device side provided in the embodiment of the present specification is as shown in FIG. 7, and the device includes:

The collecting module 701 collects the amount to be paid displayed by the pricing device;

The DOI providing module 702 provides an amount of money DOI according to the collected amount to be paid;

Wherein, the DOI includes at least a two-dimensional code.

The device shown in FIG. 7 may be implemented by a physical device (eg, a terminal device) in an actual application, and specifically includes: a processor and a memory, where

The memory storing a DOI-based payment program;

The processor calls a DOI-based payment program stored in the memory and executes:

Collecting the amount to be paid displayed by the pricing equipment;

The amount DOI is provided according to the collected amount to be paid.

The DOI-based payment device on the scanning code device side provided in the embodiment of the present specification is as shown in FIG. 8, and the device includes:

The scanning module 801 scans and identifies the amount DOI provided by the settlement device;

The information obtaining module 802 is configured to obtain information to be paid from the amount of money DOI;

The requesting module 803 generates a payment request to the server according to the to-be-paid information to complete the payment.

The device shown in FIG. 8 may be implemented by a physical device (eg, a terminal device) in an actual application, and specifically includes: a processor and a memory, where

The memory storing a DOI-based payment program;

The processor calls a DOI-based payment program stored in the memory and executes:

Scan and identify the amount of DOI provided by the settlement device;

Obtaining information to be paid from the amount of money DOI;

According to the to-be-paid information, a generated payment request is sent to the server to complete the payment.

The DOI-based payment device on the server side provided in the embodiment of the present specification is as shown in FIG. 9, and the device includes:

The request receiving module 901 receives the two-dimensional code request sent by the settlement device;

The information determining module 902 is configured to determine the service party identity information carried in the two-dimensional code request.

The barcode data generating module 903 generates, according to the business party identification information and the to-be-paid amount carried in the two-dimensional code request, the two-dimensional code data to be fed back to the settlement device, so that the settlement device is based on the two-dimensional The code data provides an amount DOI for reflecting the amount to be paid.

The device shown in FIG. 9 may be implemented by a physical device (eg, a terminal device) in an actual application, and specifically includes: a processor and a memory, where

The memory storing a DOI-based payment program;

The processor calls a DOI-based payment program stored in the memory and executes:

Receiving a QR code request sent by the settlement device;

Determining the service party identification information carried in the two-dimensional code request;

Generating two-dimensional code data to the settlement device according to the service party identification information and the to-be-paid amount carried in the two-dimensional code request, so that the settlement device displays the data based on the two-dimensional code data for reflection The amount of the amount to be paid DOI.

The various embodiments in the specification are described in a progressive manner, and the same or similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the device, the device, and the media type embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the description of the method embodiment, which will not be repeated here.

So far, specific embodiments of the subject matter have been described. Other embodiments are within the scope of the following claims. In some cases, the actions recited in the claims can be performed in a different order and still achieve the desired results. In addition, the processes depicted in the figures are not necessarily in a particular order or in a continu In some embodiments, multitasking and parallel processing may be advantageous.

In the 1990s, improvements to a technology could clearly distinguish between hardware improvements (eg, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (for process flow improvements). However, as technology advances, many of today's method flow improvements can be seen as direct improvements in hardware circuit architecture. Designers almost always 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 flow cannot be implemented by hardware entity modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is an integrated circuit whose logic function is determined by the user programming the device. Designers program themselves to "integrate" a digital system on a single PLD without having to ask the chip manufacturer to design and fabricate a dedicated integrated circuit chip. Moreover, today, instead of manually making integrated circuit chips, this programming is mostly implemented using "logic compiler" software, which is similar to the software compiler used in programming development, but before compiling The original code has to be written in a specific programming language. This is called the Hardware Description Language (HDL). HDL is not the only one, but there are 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., are currently the most commonly used VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be apparent to those skilled in the art that the hardware flow for implementing the logic method flow can be easily obtained by simply programming the method flow into the integrated circuit with a few hardware description languages.

The controller can be implemented in any suitable manner, for example, the controller can take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (eg, software or firmware) executable by the (micro)processor. In the form of 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, Atmel AT91SAM, The Microchip PIC18F26K20 and the Silicone Labs C8051F320, the memory controller can also be implemented as part of the memory's control logic. Those skilled in the art will also appreciate that in addition to implementing the controller in purely computer readable program code, the controller can be logically programmed by means of logic gates, switches, ASICs, programmable logic controllers, and embedding. The form of a microcontroller or the like to achieve the same function. Such a controller can therefore be considered a hardware component, and the means for implementing various functions included therein can also be considered as a structure within the hardware component. Or even a device for implementing various functions can be considered as a software module that can be both a method of implementation and a structure within a hardware component.

The system, device, module or unit illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop 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, the above devices are described separately by function into various units. Of course, the functions of each unit may be implemented in the same software or software and/or hardware when implementing the present application.

Those skilled in the art will appreciate that embodiments of the present invention can 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 a combination of software and hardware. Moreover, the invention can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.

The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (system), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device. Means for implementing the functions specified in one or more of the flow or in a block or blocks of the flow chart.

The computer program instructions can also be stored in a computer readable memory that can direct 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 device. The apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.

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 a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device. The instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

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

The memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory. Memory is an example of a computer readable medium.

Computer readable media includes both permanent and non-persistent, removable and non-removable media. Information storage can be implemented by any method or technology. The 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 technology, compact disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary storage of computer readable media, such as modulated data signals and carrier waves.

It is also to be understood that the terms "comprises" or "comprising" or "comprising" or any other variations are intended to encompass a non-exclusive inclusion, such that a process, method, article, Other elements not explicitly listed, or elements that are inherent to such a process, method, commodity, or equipment. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device including the element.

The application can be described in the general context of computer-executable instructions executed by a computer, such as a program module. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform particular transactions or implement particular abstract data types. The present application can also be practiced in distributed computing environments where transactions are performed by remote processing devices that are connected through a communication network. In a distributed computing environment, program modules can be located in both local and remote computer storage media including storage devices.

The various embodiments in the specification are described in a progressive manner, and the same or similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the description of the method embodiment.

The above description is only an embodiment of the present application and is not intended to limit the application. Various changes and modifications can be made to the present application by those skilled in the art. Any modifications, equivalents, improvements, etc. made within the spirit and scope of the present application are intended to be included within the scope of the appended claims.

Claims (14)

A DOI-based payment method, including: The pricing equipment displays the amount to be paid; The settlement device provides an amount digital object unique identifier DOI for reflecting the to-be-paid amount according to the amount to be paid displayed; The scan code device scans the amount of money DOI provided by the settlement device, and initiates a payment request for the corresponding amount to the server to complete the payment. The method of claim 1 wherein said amount of money DOI comprises at least an amount of two-dimensional code. The method of claim 2, the settlement device provides an amount of money DOI for reflecting the to-be-paid amount according to the amount to be paid, including: The settlement device identifies an amount to be paid displayed by the pricing device; Generating a two-dimensional code request to the server according to the identified amount to be paid, and the identification information of the business party pre-bound with the settlement device; so that the server feeds back the two-dimensional code according to the two-dimensional code data; The amount of the two-dimensional code is displayed based on the two-dimensional code data fed back by the server. The method of claim 3, wherein the server feeds back the two-dimensional code data, specifically comprising: The server generates two-dimensional code data including a payment identifier based on the two-dimensional code request, and feeds back to the settlement device; The payment identifier includes at least: a payment token. The method of claim 4, the scan code device scans the amount of money DOI displayed by the settlement device, and initiates a payment request to the server, which specifically includes: The scan code device scans and acquires a payment token included in the amount of the two-dimensional code; The scan code device generates a payment request including the payment token and sends it to the server. The method of claim 1 further comprising: prior to completing the payment, the method further comprising: A payment confirmation page is displayed on the scanning code device, and a confirmation operation of the user on the confirmation page is received. A DOI-based payment device comprising: The information acquisition module acquires the amount of the user to be paid; A module is displayed to display the amount to be paid. A DOI-based payment device comprising: The collection module collects the amount to be paid displayed by the pricing device; The DOI provides a module, and provides an amount DOI according to the collected amount to be paid; Wherein, the amount of money DOI includes at least a two-dimensional code of the amount. A DOI-based payment device comprising: Scanning module, scanning and identifying the amount of DOI provided by the settlement device; An information obtaining module, which acquires information to be paid from the amount of money DOI; The requesting module sends a payment request to the server according to the to-be-paid information to complete the payment. A DOI-based payment device comprising: Requesting a receiving module to receive a two-dimensional code request sent by the settlement device; The information determining module determines the service party identification information carried in the two-dimensional code request; a barcode data generating module, according to the service party identification information and the to-be-paid amount carried in the two-dimensional code request, generating two-dimensional code data and feeding back to the settlement device, so that the settlement device is based on the two-dimensional code The data shows the amount of DOI used to reflect the amount to be paid. A DOI-based payment device includes: a processor and a memory, wherein: The memory storing a DOI-based payment program; The processor calls a DOI-based payment program stored in the memory and executes: Obtain the amount of the user to be paid; Show the amount to be paid. A DOI-based payment device includes: a processor and a memory, wherein: The memory storing a DOI-based payment program; The processor calls a DOI-based payment program stored in the memory and executes: Collecting the amount to be paid displayed by the pricing equipment; Providing an amount DOI according to the collected amount to be paid; Wherein, the amount of money DOI includes at least a two-dimensional code of the amount. A DOI-based payment device includes: a processor and a memory, wherein: The memory storing a DOI-based payment program; The processor calls a DOI-based payment program stored in the memory and executes: Scan and identify the amount of DOI provided by the settlement device; Obtaining information to be paid from the amount of money DOI; According to the to-be-paid information, a generated payment request is sent to the server to complete the payment. A DOI-based payment device includes: a processor and a memory, wherein: The memory storing a DOI-based payment program; The processor calls a DOI-based payment program stored in the memory and executes: Receiving a QR code request sent by the settlement device; Determining the service party identification information carried in the two-dimensional code request; Generating two-dimensional code data to the settlement device according to the service party identification information and the to-be-paid amount carried in the two-dimensional code request, so that the settlement device displays the data based on the two-dimensional code data for reflection The amount of the amount to be paid DOI.

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