Payment collection device and method and apparatus

Patent metadata

Field	Value
Publication number	US-11250440-B2
Application number	US-202016888810-A
Country	US
Kind code	B2
Filing date	May 31, 2020
Priority date	Jun 4, 2018
Publication date	Feb 15, 2022
Grant date	Feb 15, 2022

Abstract

Systems, methods, and storage media for payment collection are disclosed. An example method comprises: obtaining, at a code scanner, payment account information comprised in a payment code of a purchasing user by scanning the payment code; sending, at the code scanner, the payment account information to a processor; determining, at the processor, a payment amount due, to construct a payment request comprising the payment amount due, the payment account information, and the device identifier; sending, at the processor, the payment request to a communication module; and sending, at the communication module, the payment request to the target server for the target server to, according to the payment request, deduct the payment amount due from a payment account of the purchasing user corresponding to the payment account information, and add the payment amount due to the payment receiving account corresponding to the device identifier.

First claim

What is claimed is:

1. A point of sale (POS) payment collection device, comprising: a processor, a code scanner coupled to the processor, and a communication module coupled to the processor, wherein:
the code scanner is configured to obtain payment receiving account information corresponding to a payment receiving account of a seller by scanning a configuration code of the seller, and to send the payment receiving account information to the processor, the configuration code comprising the payment receiving account information;
the processor is configured to construct a device binding request comprising the payment receiving account information and a device identifier of the POS payment collection device, and to send the device binding request to the communication module;
the communication module is configured to directly communicate with a target server to send the device binding request to the target server that establishes and stores, based on the device binding request, an association relationship between the device identifier and the payment receiving account information;
the code scanner is configured to obtain payment account information comprised in a payment code of a purchasing user by scanning the payment code, and to send the payment account information to the processor;
the processor is configured to determine a payment amount due, to construct a payment request comprising the payment amount due, the payment account information, and the device identifier, and to send the payment request to the communication module; and
the communication module is configured to directly communicate with the target server to send the payment request to the target server that deducts, according to the payment request, the payment amount due from a payment account of the purchasing user corresponding to the payment account information, and adds the payment amount due to the payment receiving account corresponding to the device identifier.

2. The device according to claim 1 , wherein:
the communication module comprises a wireless fidelity module;
the configuration code further comprises wireless fidelity hotspot information;
the code scanner is configured to obtain the wireless fidelity hotspot information and send the wireless fidelity hotspot information to the wireless fidelity module; and
the wireless fidelity module is configured to connect to a wireless fidelity hotspot corresponding to the wireless fidelity hotspot information according to the wireless fidelity hotspot information, for direct communication with the target server through the wireless fidelity hotspot.

3. The POS payment collection device according to claim 1 , wherein the POS payment collection device further comprises an information input module configured to receive the payment amount due input by the seller, and to send the payment amount due to the processor.

4. The POS payment collection device according to claim 1 , wherein:
the code scanner is configured to obtain merchandise information of a merchandise purchased with the payment amount by scanning a merchandise code that comprises the merchandise information, and to send the merchandise information to the processor;
the processor is configured to construct a merchandise price query request comprising the merchandise information, and to send the merchandise price query request to the communication module; and
the communication module is configured to send the merchandise price query request to the target server, to receive from the target server a merchandise price corresponding to the merchandise information, and to send the merchandise price to the processor as the payment amount due.

5. The POS payment collection device according to claim 1 , wherein:
the code scanner is configured to obtain a payment record identifier comprised in a payment record identification code of the purchasing user by scanning the payment record identification code, and to send the payment record identifier to the processor;
the payment record identification code is generated by the target server and issued to the purchasing user according to a payment record after the target server generates the payment record according to the payment request;
the processor is configured to construct a refund request comprising the payment record identifier, and to send the refund request to the communication module; and
the communication module is configured to directly communicate with the target server to send the refund request to the target server, for the target server to determine, according to the refund request, the payment receiving account, the payment account, and the payment amount due in the payment record corresponding to the payment record identifier, deduct the payment amount due from the payment receiving account, and add the payment amount due to the payment account.

6. The POS payment collection device according to claim 1 , wherein:
the code scanner is configured to obtain a payment record identifier comprised in a payment record identification code of the purchasing user by scanning the payment record identification code, and to send the payment record identifier to the processor;
the payment record identification code is generated by the target server and issued to the purchasing user according to a payment record after the target server generates the payment record according to the payment request;
the processor is configured to construct a payment record query request comprising the payment record identifier, and to send the payment record query request to the communication module; and
the communication module is configured to directly communicate with the target server to send the payment record query request to the target server, for the target server to return the payment record corresponding to the payment record identifier according to the payment record query request.

7. The POS payment collection device according to claim 1 , wherein the POS payment collection device further comprises: a security element configured to encrypt and sign information sent to the target server.

8. The POS payment collection device according to claim 1 , wherein:
the POS payment collection device further comprises: an audio output module;
the processor is configured to determine an audio message according to a preset rule, and to send the audio message to the audio output module; and
the audio output module is configured to play the audio message.

9. A non-transitory computer-readable storage medium storing instructions executable by a processor of a point-of-sale (POS) payment collection device, wherein execution of the instructions causes the processor to perform operations comprising:
obtaining, at a code scanner of the POS payment collection device, payment receiving account information corresponding to a payment receiving account of a seller by scanning a configuration code of the seller;
sending, at the code scanner, the payment receiving account information to the processor, the configuration code comprising the payment receiving account information;
constructing, at the processor, a device binding request comprising the payment receiving account information and a device identifier of the payment collection device;
sending, at the processor, the device binding request to a communication module of the POS collection device;
sending, at the communication module, by directly communicating with a target server, the device binding request to the target server for the target server to establish and store, based on the device binding request, an association relationship between the device identifier and the payment receiving account information;
obtaining, at the code scanner, payment account information comprised

Assignees

• Advanced New Technologies Co Ltd

Inventors

• Zhao Liansheng
• Li An
• Jiao Lei

Classifications

• G06Q20/208

  Input by product or record sensing, e.g. weighing or scanner processing · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/407 Primary

  Cancellation of a transaction · CPC title

• G07G1/14 Primary

  Systems including one or more distant stations co-operating with a central processing unit · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title