阅读说明：本技术 一种支付方法、装置、系统及存储介质 (Payment method, device, system and storage medium ) 是由 王少鸣 耿志军 周俊 郭润增 于 2019-09-16 设计创作，主要内容包括：本发明提供了一种支付方法、装置、系统及存储介质,通过获取商品订单信息；将商品订单信息传输至支付终端供用户进行订单确认；从支付终端中获取用户进行订单确认之后提供的支付信息；将商品订单信息以及支付信息发送至支付系统,使支付系统完成支付操作。本申请中的POS机通过将商品订单信息发送至支付终端供用户进行订单确认,从而使得用户在利用POS机进行支付之前,可以对商品订单信息进行核对,并在对商品订单信息核对完成之后,通过支付终端将支付信息发送给POS机,使得POS机将所述商品订单信息以及支付信息发送至支付系统,完成支付。由于用户在利用POS机支付之前,可以对商品订单信息进行核对,避免由于商品订单问题导致的交易出错的现象。(The invention provides a payment method, a device, a system and a storage medium, which are used for obtaining commodity order information; transmitting the commodity order information to a payment terminal for a user to confirm the order; obtaining payment information provided by a user after order confirmation from a payment terminal; and sending the commodity order information and the payment information to a payment system to enable the payment system to complete payment operation. The POS machine sends the commodity order information to the payment terminal to enable a user to confirm the order, so that the user can check the commodity order information before the user utilizes the POS machine to pay, and after the commodity order information is checked and finished, the payment information is sent to the POS machine through the payment terminal, so that the POS machine sends the commodity order information and the payment information to the payment system to finish payment. As the user can check the commodity order information before paying by using the POS machine, the phenomenon of transaction error caused by the commodity order problem is avoided.)

1. A payment method, applied to a point of sale POS machine, comprising:

acquiring commodity order information;

transmitting the commodity order information to a payment terminal for a user to confirm the order;

obtaining payment information provided by a user after order confirmation from the payment terminal;

and sending the commodity order information and the payment information to a payment system to enable the payment system to complete payment operation.

2. The method of claim 1, wherein the process of obtaining commodity order information comprises:

acquiring an order screen capture instruction sent by a POS machine user, and determining an order screen capture area according to the order screen capture instruction;

and identifying text content in the order screen area, and obtaining commodity order information from the identified text content.

3. The method according to claim 1, wherein the obtaining of the payment information provided by the user after order confirmation from the payment terminal comprises:

obtaining biological characteristic information provided by a user after order confirmation from the payment terminal as payment information;

and/or;

and obtaining payment information in a payment code provided by the user after order confirmation from the payment terminal as payment information.

4. A payment method, wherein the method is applied to a payment terminal, and the method comprises:

receiving commodity order information from a POS machine, and providing the commodity order information for a user to confirm an order;

after an order confirmation instruction sent by a user is received, obtaining payment information of the user;

and returning the payment information to the POS machine, so that the POS machine sends the commodity order information and the payment information to a payment system, and the payment system is used for completing payment operation.

5. The method of claim 4, wherein the step of obtaining payment information of the user after receiving the order confirmation instruction from the user comprises:

after an order confirmation instruction sent by a user is received, the biological characteristics of the user bound with a payment account of the user are collected and identified by the biological characteristic collecting equipment, and the biological characteristic information of the user obtained through collection and identification is used as payment information of the user.

6. The method of claim 4, wherein the step of obtaining payment information of the user after receiving the order confirmation instruction from the user comprises:

after an order confirmation instruction sent by a user is received, scanning and identifying a payment code provided by the user by using code scanning equipment, extracting payment information from the payment code, and taking the payment information as payment information.

7. A payment device, wherein the payment device is applied to a POS machine, and the payment device comprises:

a commodity order information acquiring unit for acquiring commodity order information;

the commodity order information transmission unit is used for transmitting the commodity order information to a payment terminal for a user to confirm an order;

the first payment information acquisition unit is used for acquiring payment information provided by a user after order confirmation from the payment terminal;

and the payment unit is used for sending the commodity order information and the payment information to a payment system so that the payment system completes payment operation.

8. A payment device, which is applied to a payment terminal, the payment device comprising:

the commodity order information receiving unit is used for receiving commodity order information from the POS machine and providing the commodity order information for a user to confirm an order;

the second payment information acquisition unit is used for acquiring the payment information of the user after receiving an order confirmation instruction sent by the user;

and the payment information returning unit is used for returning the payment information to the POS machine, so that the POS machine sends the commodity order information and the payment information to a payment system, and the payment system is used for completing payment operation.

9. A payment system, the payment system comprising: a POS machine and a payment terminal;

the POS machine is used for acquiring commodity order information; transmitting the commodity order information to a payment terminal;

the payment terminal is used for providing the commodity order information for a user to confirm the order, acquiring the payment information of the user after receiving an order confirmation instruction sent by the user, and returning the payment information to the POS machine;

and the POS machine is used for sending the commodity order information and the payment information to a payment system so that the payment system completes payment operation.

10. A storage medium having stored thereon computer-executable instructions which, when loaded and executed by a processor, carry out a payment method as claimed in any one of claims 1 to 6.

Technical Field

The invention relates to the technical field of mobile payment, in particular to a payment method, a payment device, a payment system and a storage medium.

Background

With the development of science and technology, various payment modes are provided at present, so that a user can pay by using various payment tools in the consumption process, and the convenience is brought to the life of people. For example, a payment method of a Point of sale (POS) machine is a popular payment method at present, the POS machine reads magnetic stripe information of a card holder on a bank card through a card reader, a POS operator inputs a transaction amount, the card holder inputs personal identification information (namely a password), the POS machine sends the information to a card issuing bank system through a unionpay center, online transaction is completed, information on whether the transaction is successful or not is given, and a corresponding bill is printed.

But the POS machine payment mode has the phenomenon of easy transaction error.

Disclosure of Invention

In view of the above, the present invention provides a payment method, device, system and storage medium, so as to overcome the problem that the payment method of the POS machine in the prior art is prone to transaction errors.

In order to achieve the purpose, the invention provides the following technical scheme:

in one aspect, the present application provides a payment method for use with a point-of-sale POS machine, the method comprising:

acquiring commodity order information;

transmitting the commodity order information to a payment terminal for a user to confirm the order;

obtaining payment information provided by a user after order confirmation from the payment terminal;

and sending the commodity order information and the payment information to a payment system to enable the payment system to complete payment operation.

In another aspect, the present application also provides a payment method, which is applied to a payment terminal, and includes:

receiving commodity order information from a POS machine, and providing the commodity order information for a user to confirm an order;

after an order confirmation instruction sent by a user is received, obtaining payment information of the user;

and returning the payment information to the POS machine, so that the POS machine sends the commodity order information and the payment information to a payment system, and the payment system is used for completing payment operation.

In yet another aspect, the present application further provides a payment device applied to a POS machine, the payment device including:

a commodity order information acquiring unit for acquiring commodity order information;

the commodity order information transmission unit is used for transmitting the commodity order information to a payment terminal for a user to confirm an order;

the first payment information acquisition unit is used for acquiring payment information provided by a user after order confirmation from the payment terminal;

and the payment unit is used for sending the commodity order information and the payment information to a payment system so that the payment system completes payment operation.

In another aspect, the present application also provides a payment apparatus, which is applied to a payment terminal, and includes:

the commodity order information receiving unit is used for receiving commodity order information from the POS machine and providing the commodity order information for a user to confirm an order;

the second payment information acquisition unit is used for acquiring the payment information of the user after receiving an order confirmation instruction sent by the user;

and the payment information returning unit is used for returning the payment information to the POS machine, so that the POS machine sends the commodity order information and the payment information to a payment system, and the payment system is used for completing payment operation.

In yet another aspect, the present application further provides a payment system, comprising: a POS machine and a payment terminal;

the POS machine is used for acquiring commodity order information; transmitting the commodity order information to a payment terminal;

the payment terminal is used for providing the commodity order information for a user to confirm the order, acquiring the payment information of the user after receiving an order confirmation instruction sent by the user, and returning the payment information to the POS machine;

and the POS machine is used for sending the commodity order information and the payment information to a payment system so that the payment system completes payment operation.

In yet another aspect, the present application further provides a storage medium having stored therein computer-executable instructions that, when loaded and executed by a processor, implement the payment method as described above.

According to the technical scheme, compared with the prior art, the invention provides a payment method, a payment device, a payment system and a storage medium, wherein commodity order information is acquired; transmitting the commodity order information to a payment terminal for a user to confirm the order; obtaining payment information provided by a user after order confirmation from the payment terminal; and sending the commodity order information and the payment information to a payment system to enable the payment system to complete payment operation. The POS machine sends the commodity order information to the payment terminal to enable a user to confirm the order, so that the user can check the commodity order information before the user utilizes the POS machine to pay, and after the commodity order information is checked and finished, the payment information is sent to the POS machine through the payment terminal, so that the POS machine sends the commodity order information and the payment information to the payment system to finish payment. As the user can check the commodity order information before paying by using the POS machine, the phenomenon of transaction error caused by the commodity order problem is avoided.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

Fig. 1 is a schematic structural diagram of a payment system provided in an embodiment of the present invention;

fig. 2 is a signaling flow diagram of a payment method according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of a component structure of a POS machine according to an embodiment of the present invention;

fig. 4 is a schematic structural diagram of a payment terminal according to an embodiment of the present invention;

fig. 5 is an alternative structural diagram of the payment system applied to the blockchain system according to the embodiment of the present invention;

FIG. 6 is an alternative block structure (BlockStructure) diagram according to an embodiment of the present invention;

fig. 7 is a schematic flowchart of an embodiment of a payment method according to the present invention;

FIG. 8 is a schematic flow chart diagram illustrating an embodiment of another payment method provided by an embodiment of the present invention;

fig. 9 is a schematic structural diagram of a component of a payment device according to an embodiment of the present invention;

fig. 10 is a schematic structural diagram of another component of the payment apparatus according to the embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

At present, before a user uses a POS machine to pay, the POS machine cannot display order information to the user, and the payment information after payment is completed can be displayed to the user only after the user finishes payment, so that the situation is easy to cause the POS machine to prompt the user that the amount of money to be paid comes in and goes out of the amount of money actually expected to be paid by the user due to order problems, and finally, the phenomenon of transaction errors is caused.

In order to avoid the problem of transaction error, commodity order information is acquired; transmitting the commodity order information to a payment terminal for a user to confirm the order; obtaining payment information provided by a user after order confirmation from the payment terminal; and sending the commodity order information and the payment information to a payment system to enable the payment system to complete payment operation. The POS machine sends the commodity order information to the payment terminal to enable a user to confirm the order, so that the user can check the commodity order information before the user utilizes the POS machine to pay, and after the commodity order information is checked and finished, the payment information is sent to the POS machine through the payment terminal, so that the POS machine sends the commodity order information and the payment information to the payment system to finish payment. As the user can check the commodity order information before paying by using the POS machine, the phenomenon of transaction error caused by the commodity order problem is avoided.

As illustrated in fig. 1, the present application provides a payment system comprising: a POS machine 10 and a payment terminal 20; as shown in fig. 2, the following application discloses a signaling flow diagram of a payment method, the method comprising:

s10, the POS machine acquires the commodity order information;

s20, the POS machine transmits the commodity order information to a payment terminal;

s30, the payment terminal provides the commodity order information to the user for order confirmation;

s40, the payment terminal acquires the payment information of the user after receiving the order confirmation instruction sent by the user;

s50, the payment terminal returns the payment information to the POS machine;

and S60, the POS machine sends the commodity order information and the payment information to a payment system, so that the payment system completes payment operation.

On the one hand, the scheme of the application can be suitable for POS machines.

For ease of understanding, a POS machine to which the payment method according to the embodiment of the present application is applied will be described. Fig. 3 is a schematic diagram showing a structure of a POS device to which the solution of the present application is applied. In fig. 3, the POS machine 10 may include: a processor 101 and a memory 102.

The POS machine 10 may further include: a communication interface 103, an input unit 104, and a display 105 and a communication bus 106.

The processor 101, the memory 102, the communication interface 103, the input unit 104, and the display 105 all communicate with each other via the communication bus 106.

In the embodiment of the present application, the processor 101 may be a Central Processing Unit (CPU), an off-the-shelf programmable gate array (FPGA) or other programmable logic devices.

The processor may call a program stored in the memory 102, and in particular, may execute operations performed by the server side in the following method embodiments.

The memory 102 is used for storing one or more programs, which may include program codes including computer operation instructions, and in this embodiment, the memory stores at least the programs for implementing the following functions:

acquiring commodity order information;

transmitting the commodity order information to a payment terminal for a user to confirm the order;

obtaining payment information provided by a user after order confirmation from the payment terminal;

and sending the commodity order information and the payment information to a payment system to enable the payment system to complete payment operation.

In one possible implementation, the memory 102 may include a program storage area and a data storage area, wherein the program storage area may store an operating system, the above-mentioned programs, and the like; the storage data area may store data created according to the use of the terminal.

Further, the memory 102 may include a high-speed random access memory, may also include a nonvolatile memory, and the like. The communication interface 103 may be an interface of a communication module, such as an interface of a GSM module. The input unit may include a touch sensing unit sensing a touch event on the touch display panel, a keyboard, and the like. The display 104 includes a display panel, such as a touch display panel or the like.

Of course, the configuration of the POS shown in FIG. 3 is not intended to be limiting, and in practice the POS may include more or fewer components than those shown in FIG. 3, or some combination thereof.

On the other hand, the scheme of the application can be suitable for the payment terminal.

For convenience of understanding, a payment terminal to which the payment method of the embodiment of the present application is applied will be described first. Fig. 4 is a schematic diagram showing a component structure of a payment terminal to which the solution of the present application is applied. In fig. 4, the payment terminal 20 may include: a processor 201 and a memory 202.

The payment terminal 20 may further include: a communication interface 203, an input unit 204, and a display 205 and a communication bus 206.

The processor 201, the memory 202, the communication interface 203, the input unit 204 and the display 205 are all communicated with each other through a communication bus 206.

In the embodiment of the present application, the processor 201 may be a Central Processing Unit (CPU), an off-the-shelf programmable gate array (FPGA) or other programmable logic devices.

The processor may invoke a program stored in the memory 202, and in particular, the processor may perform the operations performed at the payment terminal side in the following method embodiments.

The memory 202 is used for storing one or more programs, which may include program codes including computer operation instructions, and in the embodiment of the present application, the memory stores at least the programs for implementing the following functions:

receiving commodity order information from a POS machine, and providing the commodity order information for a user to confirm an order;

after an order confirmation instruction sent by a user is received, obtaining payment information of the user;

and returning the payment information to the POS machine, so that the POS machine sends the commodity order information and the payment information to a payment system, and the payment system is used for completing payment operation.

In one possible implementation, the memory 202 may include a program storage area and a data storage area, wherein the program storage area may store an operating system, the above-mentioned programs, and the like; the storage data area may store data created according to the use of the terminal.

Further, the memory 202 may include a high-speed random access memory, and may also include a nonvolatile memory or the like. The communication interface 203 may be an interface of a communication module, such as an interface of a GSM module. The input unit may include a touch sensing unit sensing a touch event on the touch display panel, a keyboard, and the like. The display 204 includes a display panel, such as a touch display panel or the like.

Of course, the structure of the payment terminal shown in fig. 4 does not constitute a limitation of the payment terminal in the embodiment of the present application, and in practical applications, the payment terminal may include more or less components than those shown in fig. 4, or some components may be combined.

The payment system related to the embodiment of the invention can be a distributed system formed by connecting a plurality of POS machines and a plurality of payment terminals in a network communication mode. The POS and the payment terminal in the present application may be nodes in a blockchain system.

Taking a distributed system as an example of a blockchain system, referring to fig. 5, fig. 5 is an optional structural schematic diagram of the payment system applied to the blockchain system provided by the embodiment of the present invention, and the payment system is formed by a plurality of nodes (computing devices in any form in an access network, such as a POS and a payment terminal) and a client, a Peer-to-Peer (P2P, Peer to Peer) network is formed between the nodes, and the P2P Protocol is an application layer Protocol operating on a Transmission Control Protocol (TCP). In a distributed system, any machine, such as a server or a terminal, can join to become a node, and the node comprises a hardware layer, a middle layer, an operating system layer and an application layer.

Referring to the functions of each node in the blockchain system shown in fig. 5, the functions involved include:

1) routing, a basic function that a node has, is used to support communication between nodes.

Besides the routing function, the node may also have the following functions:

2) the application is used for being deployed in a block chain, realizing specific services according to actual service requirements, recording data related to the realization functions to form recording data, carrying a digital signature in the recording data to represent a source of task data, and sending the recording data to other nodes in the block chain system, so that the other nodes add the recording data to a temporary block when the source and integrity of the recording data are verified successfully.

For example, the services implemented by the application include:

2.1) wallet, for providing the function of transaction of electronic money, including initiating transaction (i.e. sending the transaction record of current transaction to other nodes in the blockchain system, after the other nodes are successfully verified, storing the record data of transaction in the temporary blocks of the blockchain as the response of confirming the transaction is valid; of course, the wallet also supports the querying of the remaining electronic money in the electronic money address;

and 2.2) sharing the account book, wherein the shared account book is used for providing functions of operations such as storage, query and modification of account data, record data of the operations on the account data are sent to other nodes in the block chain system, and after the other nodes verify the validity, the record data are stored in a temporary block as a response for acknowledging that the account data are valid, and confirmation can be sent to the node initiating the operations.

2.3) Intelligent contracts, computerized agreements, which can enforce the terms of a contract, implemented by codes deployed on a shared ledger for execution when certain conditions are met, for completing automated transactions according to actual business requirement codes, such as querying the logistics status of goods purchased by a buyer, transferring the buyer's electronic money to the merchant's address after the buyer signs for the goods; of course, smart contracts are not limited to executing contracts for trading, but may also execute contracts that process received information.

3) And the Block chain comprises a series of blocks (blocks) which are mutually connected according to the generated chronological order, new blocks cannot be removed once being added into the Block chain, and recorded data submitted by nodes in the Block chain system are recorded in the blocks.

Referring to fig. 6, fig. 6 is an optional schematic diagram of a Block Structure (Block Structure) according to an embodiment of the present invention, where each Block includes a hash value of a transaction record stored in the Block (hash value of the Block) and a hash value of a previous Block, and the blocks are connected by the hash values to form a Block chain. The block may include information such as a time stamp at the time of block generation. A block chain (Blockchain), which is essentially a decentralized database, is a string of data blocks associated by using cryptography, and each data block contains related information for verifying the validity (anti-counterfeiting) of the information and generating a next block.

Fig. 7 is a schematic flow chart illustrating an embodiment of a payment method according to the present application, where the embodiment is applied to the POS, and the embodiment includes:

s200, acquiring commodity order information;

it should be noted that the product order information in the present application is information related to a product purchased by a user, and for example, the product order information may include: the information such as the type of the commodity, the quantity of the commodity, the brief introduction of the commodity, the price of the commodity, the total price, etc. is not specifically limited in this application.

The process of acquiring the commodity order information can be as follows: acquiring an order screen capture instruction sent by a POS machine user, and determining an order screen capture area according to the order screen capture instruction; and identifying text content in the order screen area, and obtaining commodity order information from the identified text content.

Specifically, a user of the POS machine in the application may refer to a cashier in a store, the user of the POS machine may trigger a sliding operation on an order display screen of the POS machine through a finger or by using a touch pen, perform a selection operation on an area on the order display screen where commodity order information is displayed, and issue an order screen capture instruction, and the POS machine captures an order screen capture area by receiving the order screen capture instruction issued by the user of the POS machine and according to the order screen capture instruction; and then identifying text content in the order screen intercepting area, and obtaining commodity order information from the identified text content.

Optionally, in order to adapt to multiple system versions of the offline POS machine in the embodiment of the present invention, at least one screen capture method of GDI, DDRAW, or DXGI may be used to capture the order screen capture area.

Optionally, in the embodiment of the application, text content in the order screen area may be identified by using an OCR recognition method, and commodity order information is obtained from the identified text content.

Optionally, a screen capture + OCR integrated plugin is provided in the embodiment of the present application, and a merchant installs the screen capture + OCR integrated plugin provided in the embodiment of the present application on a POS machine, so that a commodity order area can be circled on a display screen of the POS machine by using the plugin, and commodity order information in the area is identified. Therefore, the POS machine does not need to be replaced on one side of the merchant, the technical scheme of the application can be realized only by installing the plug-in, the operation of the merchant is facilitated, and the development cost of the merchant is reduced.

S210, transmitting the commodity order information to a payment terminal for a user to confirm the order;

according to the embodiment of the application, the commodity order information can be transmitted to the payment terminal based on various transmission media (such as a serial port, a USB (universal serial bus), a network cable, Bluetooth and the like) in any communication mode.

For example, in order to improve the transmission speed of the commodity order information, the commodity order information may be transmitted to the payment terminal in a wired or wireless network manner, and in order to avoid the influence of network fluctuation on the transmission of the commodity order information, the commodity order information may be transmitted to the payment terminal in a point-to-point communication manner (for example, a serial port, a USB, a bluetooth, and the like), so as to improve the reliability of the commodity order information.

S220, obtaining payment information provided by a user after order confirmation from the payment terminal;

it should be noted that, if the user confirms the order without error, a message that the order is confirmed without error can be returned to the payment terminal, the payment terminal is triggered to provide a payment method selection interface for the user, and the user can select a corresponding payment method on the payment method selection interface.

Various types of payment modes can be provided for the user in the embodiment of the application, and the application is not particularly limited. In order to improve the convenience of payment, the code scanning payment method or the biological characteristic payment method can be provided for the user.

According to the payment method and the payment terminal, the biological characteristic information provided after the order confirmation of the user is obtained from the payment terminal can be used as the payment information; and/or; and obtaining payment information in a payment code provided by the user after order confirmation from the payment terminal as payment information.

Specifically, the code scanning payment method provided by the embodiment of the application may be as follows: and starting the code scanning device, prompting the user to provide a corresponding payment code on a screen, and prompting the user to enable the payment code to be close to the code scanning device, so that the payment information on the payment code is collected through the code scanning device, and the collected payment information is used as the payment information of the user.

On the other hand, the biometric payment method provided by the embodiment of the application may be: and starting the biological characteristic acquisition equipment, prompting the type of the biological characteristic required to be acquired by the user on a screen, and prompting the user to enable the corresponding biological characteristic to be close to the biological characteristic acquisition equipment, so that the biological characteristic information of the user is acquired by utilizing the biological characteristic acquisition equipment, and the acquired biological characteristic information is used as payment information of the user.

Optionally, the biometric features in the embodiments of the present application may include: at least one of facial features, iris features, fingerprint features, and the like, and the embodiments of the present application may further include other types of biometric features, which are not particularly limited.

Correspondingly, the biometric acquisition device in the embodiment of the present application may be at least one of a facial feature, an iris feature, a fingerprint feature, and the like, and the embodiment of the present application may further include other types of biometric acquisition devices, which is not limited in the embodiment of the present application.

Specifically, in terms of hardware, the biometric feature acquisition device in the embodiment of the present application may adopt a camera, an infrared ray, and the like, and the embodiment of the present application is not particularly limited.

And S230, sending the commodity order information and the payment information to a payment system, so that the payment system completes payment operation.

According to the method and the device, the corresponding relation between the payment information and the payment account (for example, the corresponding relation between the payment code and the payment account or the corresponding relation between the biological characteristic information and the payment account) is stored in advance at one side of the payment system, the payment information of the user collected at one side of the payment terminal is transmitted to the POS machine, then the payment information of the user is transmitted to the payment system through the POS machine, and the payment system determines the payment account corresponding to the payment information of the user by using the payment information of the user, so that the corresponding amount of money is paid from the payment account of the user, and the payment operation is completed.

It should be noted that, if the POS in the present application is upgraded, the upgraded information may also be transmitted to the payment terminal side, so that the payment terminal side completes the synchronous upgrade.

According to the embodiment of the application, commodity order information is obtained; transmitting the commodity order information to a payment terminal for a user to confirm the order; obtaining payment information provided by a user after order confirmation from the payment terminal; and sending the commodity order information and the payment information to a payment system to enable the payment system to complete payment operation. The POS machine sends the commodity order information to the payment terminal to enable a user to confirm the order, so that the user can check the commodity order information before the user utilizes the POS machine to pay, and after the commodity order information is checked and finished, the payment information is sent to the POS machine through the payment terminal, so that the POS machine sends the commodity order information and the payment information to the payment system to finish payment. As the user can check the commodity order information before paying by using the POS machine, the phenomenon of transaction error caused by the commodity order problem is avoided.

The above embodiment describes the payment method in the present application on the side of the POS machine, and the following describes the payment method disclosed in the embodiment of the present application on the side of the payment terminal, it should be noted that the payment method on the side of the payment terminal corresponds to the payment method on the side of the POS machine, and specific contents may be referred to each other.

As shown in fig. 8, which shows a schematic flow chart of an embodiment of a payment method according to the present application, the embodiment is applied to the payment terminal mentioned above, and the embodiment includes:

s300, receiving commodity order information from a POS machine, and providing the commodity order information for a user to confirm an order;

after receiving the commodity order information from the POS machine, the payment terminal in the embodiment of the application can draw the transmitted commodity order information through the canvas, and display the drawn commodity order information on a screen in the payment terminal for a user to confirm the order. Specifically, the information such as the commodity type, the commodity quantity, the commodity introduction, the commodity price, the total price and the like in the commodity order information may be displayed in the payment terminal, which is not specifically limited in the present application.

After the user confirms the order, the user may confirm the order by clicking an order confirmation button displayed on the screen, or may confirm the order in other manners, such as voice confirmation, for example, which is not limited in this embodiment of the application.

If the user finds that the commodity order information displayed on the screen has problems, the commodity order with problems can be circled on the screen and displayed to a cashier of the store, so that the cashier of the store can check conveniently.

S310, after an order confirmation instruction sent by a user is received, obtaining payment information of the user;

according to the payment method selection interface, only after the user confirms the order, the payment method selection interface can be provided for the user, and the user can select the corresponding payment method on the payment method selection interface. And after the user selects the corresponding payment mode, the payment information acquisition equipment is started to acquire the payment information of the user.

Various types of payment modes can be provided for the user in the embodiment of the application, and the application is not particularly limited. In order to improve the convenience of payment, the code scanning payment method or the biological characteristic payment method can be provided for the user.

Correspondingly, after an order confirmation instruction sent by a user is received, the payment code provided by the user is scanned and identified by using code scanning equipment, payment information is extracted from the payment code, and the payment information is used as payment information.

Specifically, the code scanning device is started, the user is prompted to provide the corresponding payment code on the screen, the user is prompted to enable the payment code to be close to the code scanning device, therefore, the payment information on the payment code is collected through the code scanning device, and the collected payment information is used as the payment information of the user.

On the other hand, after the order confirmation instruction sent by the user is received, the biometric acquisition device is used for acquiring and identifying the biometric characteristics of the user bound with the payment account of the user, and the acquired biometric information of the user is used as the payment information of the user.

Specifically, the embodiment of the application starts the biometric feature acquisition device, prompts the user of the type of the biometric feature to be acquired on the screen, and prompts the user to bring the corresponding biometric feature close to the biometric feature acquisition device, so that the biometric feature acquisition device is used for acquiring the biometric feature information of the user, and the acquired biometric feature information is used as the payment information of the user.

Optionally, the biometric features in the embodiments of the present application may include: at least one of facial features, iris features, fingerprint features, and the like, and the embodiments of the present application may further include other types of biometric features, which are not particularly limited.

Correspondingly, the biometric acquisition device in the embodiment of the present application may be at least one of a facial feature, an iris feature, a fingerprint feature, and the like, and the embodiment of the present application may further include other types of biometric acquisition devices, which is not limited in the embodiment of the present application.

Specifically, in terms of hardware, the biometric feature acquisition device in the embodiment of the present application may adopt a camera, an infrared ray, and the like, and the embodiment of the present application is not particularly limited.

It should be noted that, in the embodiment of the application, after the payment information of the user is acquired, a password confirmation channel may be provided for the user, so as to improve the security of payment, for example, after the payment code of the user is acquired, the user performs password confirmation on the mobile phone terminal, and then the payment terminal may transmit the payment information of the user to the POS machine.

And S320, returning the payment information to the POS machine, so that the POS machine sends the commodity order information and the payment information to a payment system, and the payment system is used for completing payment operation.

After the payment information of the user is returned to the POS machine, the POS machine can be networked with the background payment system, the commodity order information and the payment information are sent to the payment system, the payment system is used for determining the payment account of the user corresponding to the payment information of the user, and therefore the corresponding amount of money is paid in the payment account of the user, and the payment operation is completed.

It should be noted that, in the embodiment of the present application, the payment terminal may be integrated on the code scanning gun, and a display screen is provided on the code scanning gun for a user to confirm an order, and after the user confirms the order, the user may directly obtain payment information of the user by using the code scanning gun.

The method comprises the steps that commodity order information is received from a POS machine and provided for a user to confirm the order; after an order confirmation instruction sent by a user is received, obtaining payment information of the user; and returning the payment information to the POS machine, so that the POS machine sends the commodity order information and the payment information to a payment system, and the payment system is used for completing payment operation. According to the method and the device, the commodity order information is received from the POS machine and is provided for the user to confirm the order, so that the user can check the commodity order information before the payment is carried out by using the POS machine, and after the check of the commodity order information is completed, the payment information is sent to the POS machine through the payment terminal, so that the commodity order information and the payment information are sent to the payment system by the POS machine to complete the payment. As the user can check the commodity order information before paying by using the POS machine, the phenomenon of transaction error caused by the commodity order problem is avoided.

The payment method disclosed in the embodiment of the present application is described in detail in a specific application scenario as follows:

after a user purchases commodities in a store, order information of the commodities purchased by the user is collected through a code scanning device; the acquired order information can be displayed on a display screen of the POS machine, a store cashier can define an order information area on the display screen of the POS machine in a finger sliding mode to trigger the acquisition of the order information, and after the order information is acquired, the POS machine can transmit the order information to a payment terminal; the payment terminal can display the received order information to the user on a display screen; after confirming that the order is correct, a user can confirm the order by clicking an order confirmation button displayed on a screen, after confirming the order, the payment terminal can provide a payment mode selection interface for the user, the user can select a face payment mode on the payment mode selection interface, and after selecting the face payment mode, the user starts a camera to acquire face information of the user; the payment terminal transmits the collected face information to the POS machine, the POS machine transmits the face information and the order information to the payment system, and the payment system determines a payment account corresponding to the face information of the user, so that corresponding money is paid from the payment account of the user, and payment operation is completed.

The application also provides a payment device corresponding to the payment method. The payment device is applied to a POS machine, as shown in fig. 9, which shows a schematic structural diagram of a payment device of the present application, and the device may include:

a commodity order information acquiring unit 100 for acquiring commodity order information;

a commodity order information transmission unit 110, configured to transmit the commodity order information to a payment terminal for a user to confirm an order;

a first payment information obtaining unit 120, configured to obtain, from the payment terminal, payment information provided after an order confirmation is performed by a user;

and the payment unit 130 is configured to send the commodity order information and the payment information to a payment system, so that the payment system completes a payment operation.

The commodity order information acquiring unit includes:

the order screen capture area determining unit is used for acquiring an order screen capture instruction sent by a POS machine user and determining an order screen capture area according to the order screen capture instruction;

and the text content identification unit is used for identifying the text content in the order screen intercepting area and obtaining commodity order information from the identified text content.

The first payment information acquisition unit includes:

the biometric information acquisition unit is used for acquiring biometric information provided after the order confirmation of the user is performed from the payment terminal as payment information;

and/or;

and the payment information acquisition unit is used for acquiring payment information in a payment code provided by the user after order confirmation from the payment terminal as payment information.

The application also provides a payment device corresponding to another payment method of the application. The payment device is applied to a payment terminal, as shown in fig. 10, which shows a schematic structural diagram of a payment device of the present application, and the payment device may include:

a commodity order information receiving unit 200, configured to receive commodity order information from a POS machine, and provide the commodity order information to a user for order confirmation;

a second payment information obtaining unit 210, configured to obtain payment information of the user after receiving an order confirmation instruction sent by the user;

a payment information returning unit 220, configured to return the payment information to the POS, so that the POS sends the commodity order information and the payment information to a payment system, and completes a payment operation by using the payment system.

The second payment information acquisition unit includes:

and the biological characteristic acquisition unit is used for acquiring and identifying the biological characteristics of the user bound with the payment account of the user by utilizing the biological characteristic acquisition equipment after receiving an order confirmation instruction sent by the user, and taking the biological characteristic information of the user acquired and identified as the payment information of the user.

The second payment information acquisition unit includes:

and the payment information extraction unit is used for scanning and identifying the payment code provided by the user by using code scanning equipment after receiving an order confirmation instruction sent by the user, extracting payment information from the payment code and taking the payment information as payment information.

The embodiment of the application also discloses a storage medium, wherein computer-executable instructions are stored in the storage medium, and when the computer-executable instructions are loaded and executed by a processor, the payment method is realized.

The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.

Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.