CN-121998639-A - Payment method, device, electronic equipment, storage medium and program product

CN121998639ACN 121998639 ACN121998639 ACN 121998639ACN-121998639-A

Abstract

The embodiment of the application provides a payment method, a payment device, electronic equipment, a storage medium and a program product. Relates to the field of financial services. The method comprises the steps of obtaining a payment intention of a payment device, wherein the payment intention is used for representing a payment mode adopted by the payment device for completing payment, the payment intention comprises a first payment intention based on image identification payment and a second payment intention based on near field communication payment, and a payment flow corresponding to the payment intention is called and executed according to the payment intention. The method is used for achieving the technical effects of improving payment efficiency and improving user experience.

Inventors

WANG QING
MENG HONGWEN
SHI YANCHENG
XU YUZHUANG
ZHU TAO
ZHAO HENG
WANG HONGJIAN
DING LINRUN

Assignees

中国银联股份有限公司

Dates

Publication Date: 20260508
Application Date: 20251219

Claims (20)

1. A payment method, characterized in that it is applied to a payment terminal, comprising: The method comprises the steps of obtaining a payment intention of a payment device, wherein the payment intention is used for representing a payment mode adopted by the payment device for completing payment, and the payment intention comprises a first payment intention based on image identification payment and a second payment intention based on near field communication payment; and calling and executing a payment flow corresponding to the payment intention according to the payment intention.
2. The method of claim 1, wherein obtaining the intent to pay of the payment device comprises: Detecting a spatial orientation of a payment device relative to the payment terminal; If the payment equipment is in a first orientation, determining that the payment intention is the first payment intention, wherein the first orientation is that a display screen of the payment equipment is oriented to the payment terminal; And if the payment equipment is in a second orientation, determining that the payment intention is the second payment intention, wherein the second orientation is that the equipment back shell of the payment equipment faces the payment terminal.
3. The method according to claim 2, wherein detecting the spatial orientation of a payment device relative to the payment terminal comprises: acquiring sensor data acquired by the payment terminal; And determining the spatial orientation of the payment equipment relative to the payment terminal according to the sensor data.
4. A method according to claim 3, wherein obtaining sensor data collected by the payment terminal comprises: detecting whether the payment equipment enters a preset data acquisition area or not through a first sensor device of the payment terminal; When the payment equipment is detected to enter the data acquisition area, starting a second sensor device of the payment terminal; sensor data is acquired by the second sensor device.
5. A method according to claim 3, wherein the sensor data comprises image data; Determining a spatial orientation of a payment device relative to the payment terminal from the sensor data, comprising: Acquiring a pre-trained orientation recognition model; And inputting the image data into the orientation recognition model to obtain the spatial orientation of the payment equipment relative to the payment terminal, which is output by the orientation recognition model.
6. A method according to claim 3, wherein the sensor data comprises image data and at least one of infrared data and pressure data assists in sensing data; Determining a spatial orientation of a payment device relative to the payment terminal from the sensor data, comprising: performing orientation recognition on the image data to obtain a first recognition result and a first confidence coefficient corresponding to the first recognition result; if the first confidence coefficient is higher than a preset threshold value, determining the spatial orientation of the payment equipment relative to the payment terminal according to the first identification result; if the first confidence coefficient is not higher than the preset threshold value, performing orientation recognition according to the at least one item of auxiliary sensing data to obtain a second recognition result; And determining the spatial orientation of the payment equipment relative to the payment terminal based on the first identification result and the second identification result.
7. The method of claim 1, wherein obtaining the intent to pay of the payment device comprises: acquiring the current screen state of the payment equipment; determining the payment intention according to the screen state; if the screen state represents that the payment equipment is in a payment code display state, determining that the payment intention is the first payment intention; and if the screen state represents that the payment equipment is not in a payment code display state, determining that the payment intention is the second payment intention.
8. The method according to any one of claims 1-7, wherein invoking and executing a payment procedure corresponding to the payment intention in accordance with the payment intention comprises: Judging whether the payment intention is a second payment intention or not; If yes, invoking and executing a payment flow based on near field communication payment; if not, detecting whether the sensor data/screen state information contains an effective payment code; If the effective payment code is detected, invoking and executing a payment flow based on image identification payment; and if the effective payment code is not detected, invoking and executing a payment flow based on near field communication payment.
9. The method of claim 8, wherein performing a payment procedure for the image-based identification payment comprises: Analyzing the effective payment code to obtain payment credential information corresponding to the effective payment code; And executing the payment flow based on the payment credential information.
10. The method of claim 8, wherein invoking and executing a payment procedure based on near field communication payment if the valid payment code is not detected comprises: If the effective payment code is not detected, a repayment instruction is generated to prompt a user corresponding to the payment equipment to update the payment code in the sensor data/screen state information, and the effective payment code is acquired again and identified through a second sensor device; if the effective payment code is not obtained within the preset time period or after the preset times, the current payment flow is stopped, and the payment flow based on near field communication payment is called and executed.
11. The method of claim 10, wherein invoking and executing a payment procedure based on near field communication payment comprises: the method comprises the steps of acquiring a payment mode supported by the payment terminal, wherein the payment mode is used for representing a payment role which can be taken as the payment terminal in near field communication payment, and comprises at least one of a card reader mode and a card simulation mode; and calling and executing a payment flow corresponding to the payment mode based on the payment mode.
12. The method of claim 11, wherein if the payment mode comprises a card reader mode or a card emulation mode; based on the payment mode, invoking and executing a payment flow corresponding to the payment mode, including: determining a current payment mode and attempting to establish a near field communication connection with the payment device based on the current payment mode; if the connection is successfully established, invoking and executing a payment flow corresponding to the current payment mode; If the connection is not successfully established, generating and displaying a collection code of the payment terminal, stopping the current payment flow, and calling and executing the payment flow based on the image identification payment.
13. The method of claim 12, wherein determining the current payment mode comprises at least one of: reading pre-stored configuration information, and determining a payment mode supported by the payment terminal according to an initial payment mode defined in the configuration information; Receiving and responding to a mode confirmation instruction sent by connected cashier equipment, and determining a payment mode supported by the payment terminal according to the mode confirmation instruction; and acquiring historical payment data of the payment terminal, and determining a payment mode supported by the payment terminal according to an analysis result of the historical payment data.
14. The method of claim 12, wherein attempting to establish a near field communication connection with the payment device based on the current payment mode comprises: determining a current use scene of the payment terminal, and determining a corresponding communication connection time limit according to the use scene; attempting to establish a near field communication connection with the payment device within the communication connection time limit; if the current payment mode is a card reader mode, receiving an effective response of the payment equipment within the communication connection time limit, and successfully establishing connection; if the current payment mode is a card simulation mode, the radio frequency field energy of the near field communication antenna is detected to be activated within the communication connection time limit, and connection is successfully established.
15. The method of claim 13, wherein executing a payment procedure corresponding to the current payment mode comprises: If the current payment mode is a card reader mode, reading card information of the payment equipment to complete a payment flow; And if the current payment mode is a card simulation mode, providing virtual card information for the payment equipment so as to read and complete the payment flow.
16. The method of claim 11, wherein if the payment mode comprises a card reader mode or a card emulation mode; based on the payment mode, invoking and executing a payment flow corresponding to the payment mode, including: controlling the payment terminal to be in a first payment mode, wherein the first payment mode comprises any one of a card reader mode and a card simulation mode; Attempting to establish a first near field communication connection with the payment device based on the first payment mode; if the first near field communication connection is successfully established, invoking and executing a payment flow corresponding to the first payment mode; if the first near field communication connection is not successfully established, controlling the payment terminal to be in a second payment mode, wherein the second payment mode is different from the first payment mode; attempting to establish a second near field communication connection with the payment device based on the second payment mode; If the second near field communication connection is successfully established, invoking and executing a payment flow corresponding to the second payment mode; if the second near field communication connection is not successfully established, generating and displaying a cash register of the payment terminal, stopping the current payment flow, and calling and executing the payment flow based on the image identification payment.
17. A payment device, characterized in that it is applied to a payment terminal, comprising: The payment intention determining module is used for acquiring the payment intention of the payment equipment, wherein the payment intention is used for characterizing the payment mode adopted by the payment equipment for completing the payment, and the payment intention comprises a first payment intention based on image identification payment and a second payment intention based on near field communication payment; and the payment flow execution module is used for calling and executing a payment flow corresponding to the payment intention according to the payment intention.
18. An electronic device is characterized by comprising a memory and a processor; The memory stores computer-executable instructions; The processor executing computer-executable instructions stored in the memory, causing the processor to perform the method of any one of claims 1-16.
19. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1-16.
20. A computer program product comprising a computer program which, when executed by a processor, implements the method of any of claims 1-16.

Description

Payment method, device, electronic equipment, storage medium and program product Technical Field The present application relates to the field of financial services, and in particular, to a payment method, apparatus, electronic device, storage medium, and program product. Background With the rapid development of mobile payment technology, payment scenes are increasingly diversified. To meet diversified user demands, modern payment terminals are generally integrated to support various payment functions, such as Near Field Communication (NFC) payment (including bank card flash payment, mobile Pay and NFC tag payment), payment code payment, and the like. Currently, related art has achieved coexistence of multiple payment functions on a single terminal. These solutions typically integrate different payment receiving modules (e.g. NFC reader, payment code scanner) on the same hardware platform, attempting to process different payment requests by predefined logic or simple polling mechanisms. However, because the triggering mechanisms of different payment modes may overlap or be similar in physical space and time, the payment terminal is difficult to avoid the payment interference generated by the triggering mechanisms, and the technical problems of conflict of the payment flow and low payment efficiency are easy to occur. Disclosure of Invention The embodiment of the application provides a payment method, a payment device, electronic equipment, a storage medium and a program product, which are used for achieving the technical effects of improving payment efficiency and improving user experience. In a first aspect, an embodiment of the present application provides a payment method, applied to a payment terminal, including: The method comprises the steps of obtaining a payment intention of a payment device, wherein the payment intention is used for representing a payment mode adopted by the payment device for completing payment, and the payment intention comprises a first payment intention based on image identification payment and a second payment intention based on near field communication payment; and calling and executing a payment flow corresponding to the payment intention according to the payment intention. In one possible implementation, obtaining a payment intention of a payment device includes: Detecting a spatial orientation of a payment device relative to the payment terminal; If the payment equipment is in a first orientation, determining that the payment intention is the first payment intention, wherein the first orientation is that a display screen of the payment equipment is oriented to the payment terminal; And if the payment equipment is in a second orientation, determining that the payment intention is the second payment intention, wherein the second orientation is that the equipment back shell of the payment equipment faces the payment terminal. In one possible implementation, detecting a spatial orientation of a payment device relative to the payment terminal includes: acquiring sensor data acquired by the payment terminal; And determining the spatial orientation of the payment equipment relative to the payment terminal according to the sensor data. In one possible implementation manner, acquiring the sensor data acquired by the payment terminal includes: detecting whether the payment equipment enters a preset data acquisition area or not through a first sensor device of the payment terminal; When the payment equipment is detected to enter the data acquisition area, starting a second sensor device of the payment terminal; sensor data is acquired by the second sensor device. In one possible embodiment, the sensor data comprises image data; Determining a spatial orientation of a payment device relative to the payment terminal from the sensor data, comprising: Acquiring a pre-trained orientation recognition model; And inputting the image data into the orientation recognition model to obtain the spatial orientation of the payment equipment relative to the payment terminal, which is output by the orientation recognition model. In one possible embodiment, the sensor data includes image data, and at least one of infrared data and pressure data assists in sensing data; Determining a spatial orientation of a payment device relative to the payment terminal from the sensor data, comprising: performing orientation recognition on the image data to obtain a first recognition result and a first confidence coefficient corresponding to the first recognition result; if the first confidence coefficient is higher than a preset threshold value, determining the spatial orientation of the payment equipment relative to the payment terminal according to the first identification result; if the first confidence coefficient is not higher than the preset threshold value, performing orientation recognition according to the at least one item of auxiliary sensing data to obtain a second recognition result; And determining the