Payment method, apparatus and device

Abstract

Implementations of the present specification disclose a payment method, apparatus, and device. In the case of face-to-face payment, the location information and the payment information are sent to the server through the terminal device of the first user, and the server generates a corresponding payment password and returns the corresponding payment password to the first user. The first user then forwards the payment password (for example, verbally, or forwarding using communication software, etc.) to the second user, and the second user then uploads the location and payment password of the second user to the server. The server performs matching or querying within a certain range based on the location of the second user, to determine whether a same payment password exists. If the matching or query is successful, payment is made.

1 . A method, comprising
 receiving, from a first device, transaction information and a first geographical location of the first device;   computing a first payment password as corresponding to the transaction information and the first geographical location;   sending the first payment password to the first device;   detecting a second payment password associated with a second geographic location that meets a spatial relationship with the first geographic location;   determining that the second payment password matches with the first payment password; and   executing a transaction according to the transaction information in response to the determining that the second payment password matches with the first payment password.   
     
     
         2 . The method of  claim 1 , wherein the detecting the second payment password associated with the second geographic location that meets a spatial relationship with the first geographic location includes:
 receiving the second payment password associated with the second geographic location;   setting a distance range around the second geographic location; and   determining that the first geographic location is within the distance range around the second geographic location.   
     
     
         3 . The method of  claim 1 , wherein the computing the first payment password as corresponding to the transaction information and the first geographical location includes computing the first payment password based on the transaction information, the first geographical location, and identification information of a first user of the first device. 
     
     
         4 . The method of  claim 1 , wherein the computing the first payment password as corresponding to the transaction information and the first geographical location includes computing a sequence of number based on a time of generating the first payment password and establishing a correspondence between the sequence of number to the transaction information and the first geographic location. 
     
     
         5 . The method of  claim 4 , wherein the computing the first payment password as corresponding to the transaction information and the first geographical location includes establishing a correspondence between the sequence of number to the transaction information and the first geographic location using a key-value pair stored in a server, the first payment password being a key of the key-value pair. 
     
     
         6 . The method of  claim 1 , wherein the detecting the second payment password associated with the second geographic location that meets the spatial relationship with the first geographic location including determining that the second geographic location is within a threshold distance from the first geographic location. 
     
     
         7 . The method of  claim 1 , wherein the computing the first payment password as corresponding to the transaction information and the first geographical location includes computing the first payment password using the transaction information and the first geographic location as a password seed. 
     
     
         8 . The method of  claim 7 , wherein the detecting the second payment password associated with a second geographic location that meets a spatial relationship with the first geographic location includes:
 obtaining the a geographic location by decoding the second payment password; and   determining that the second geographic location is within a threshold distance from the geographic location obtained by the decoding.   
     
     
         9 . A method, comprising
 receiving, from a first device, a first payment password and a first geographic location;   obtaining a second geographic location and transaction information based on the first payment password;   determining that a spatial relationship between the first geographic location and the second geographic location meets a threshold; and   executing a transaction according to the transaction information in response to the determining that the spatial relationship between the first geographic location and the second geographic location meets the threshold.   
     
     
         10 . The method of  claim 9 , wherein the determining that the spatial relationship between the first geographic location and the second geographic location meets the threshold includes determining that a distance between the first geographic location and the second geographic location is smaller or equal to a threshold distance. 
     
     
         11 . The method of  claim 9 , wherein the obtaining the second geographic location and the transaction information based on the first payment password includes decoding the first payment password to obtain the second geographic location and the transaction information. 
     
     
         12 . The method of  claim 9 , wherein the obtaining the second geographic location and the transaction information based on the first payment password includes obtaining the second geographic location and the transaction information through a key-value pair using the first payment password as a key. 
     
     
         13 . The method of  claim 9 , wherein the obtaining the second geographic location and the transaction information based on the first payment password includes obtaining the second geographic location and the transaction information through a correspondence between the second geographic location and the transaction information and the first payment password stored in a server. 
     
     
         14 . The method of  claim 9 , comprising:
 receiving, from a second device, the payment information and the second geographical location of the second device;   encoding the second geographical location and the payment information using a first algorithm to generate the first payment password; and   sending the first payment password to the second device.   
     
     
         15 . A computing system including one or more processors and one or more storage mediums storing executable instructions that, when executed by the one or more processors, enable the one or more processors to implement acts comprising:
 receiving, from a first device, a first payment password and a first geographic location;   obtaining a second geographic location and transaction information based on the first payment password;   determining that a spatial relationship between the first geographic location and the second geographic location meets a threshold; and   executing a transaction according to the transaction information in response to the determining that the spatial relationship between the first geographic location and the second geographic location meets the threshold.   
     
     
         16 . The computing system of  claim 15 , wherein the determining that the spatial relationship between the first geographic location and the second geographic location meets the threshold includes determining that a distance between the first geographic location and the second geographic location is smaller or equal to a threshold distance. 
     
     
         17 . The computing system of  claim 15 , wherein the obtaining the second geographic location and the transaction information based on the first payment password includes decoding the first payment password to obtain the second geographic location and the transaction information. 
     
     
         18 . The computing system of  claim 15 , wherein the obtaining the second geographic location and the transaction information based on the first payment password includes obtaining the second geographic location and the transaction information through a key-value pair using the first payment password as a key. 
     
     
         19 . The computing system of  claim 15 , wherein the obtaining the second geographic location and the transaction information based on the first payment password includes obtaining the second geographic location and the transaction information through a correspondence between the second geographic location and the transaction information and the first payment password stored in a server. 
     
     
         20 . The computing system of  claim 15 , wherein the acts comprise:
 receiving, from a second device, the payment information and the second geographical location of the second device;   encoding the second geographical location and the payment information using a first algorithm to generate the first payment password; and   sending the first payment password to the second device.