Method and apparatus for facilitating electronic payments using a wearable device

A non-transitory computer readable storage medium for tangibly storing computer program instructions capable of being executed by a computer processor, the computer program instructions defining the steps of:

• providing, by a wearable device, device information of the wearable device to a terminal based on an established connection between the wearable device and the terminal, the device information including a device identification;
• receiving, by the wearable device, a device certificate from a server, the device certificate generated by the server based on the device identification and the device certificate corresponding to a user account associated with the wearable device;
• generating, by the wearable device, a device-side key and a server-side key used for encrypting the device certificate during transmission, the device-side key generated based on the server-side key;
• storing, by the wearable device, the device-side key on the wearable device;
• transmitting, by the wearable device, the server-side key to the server;
• and
• storing, by the wearable device, the device certificate on the wearable device, the device certificate enabling the wearable device to perform a payment operation using the user account, the payment operation capable of being performed by the wearable device if the established connection between the wearable device and the terminal is not detected, the payment operation comprising:
• generating, by the wearable device, a decrypted device certificate by decrypting the device certificate using the device-side key, the device certificate encrypted by the server using the server-side key;
• generating, by the wearable device, a transaction certificate based on the decrypted device certificate;
• and
• providing, by the wearable device, the transaction certificate to a payee device.

A non-transitory computer readable storage medium for tangibly storing computer program instructions capable of being executed by a computer processor, the computer program instructions defining the steps of:

• receiving, by a server, a binding request from a wearable device via a terminal, the binding request including a device identification of the wearable device and user account information associated with the wearable device;
• generating, by the server, a device certificate of the wearable device based on the device identification, the device certificate corresponding to a user account associated with the wearable device;
• receiving, from the wearable device at the server, a server-side key generated by the wearable device;
• storing, by the server, a relationship between the device certificate and a user account associated with the wearable device;
• and
• providing, by the server, the device certificate to the wearable device, the device certificate enabling the wearable device to perform a payment operation using the user account, the payment operation capable of being performed by the wearable device if an established connection between the wearable device and the terminal is not detected, the providing the device certificate to the wearable device comprising:
• encrypting the device certificate using the server-side key;
• and
• sending the encrypted device certificate to the wearable device via the terminal.

A non-transitory computer readable storage medium for tangibly storing computer program instructions capable of being executed by a computer processor, the computer program instructions defining the steps of:

• establishing, by a terminal, a connection between a wearable device and the terminal;
• acquiring, by the terminal, device information of the wearable device, the device information including a device identification of the wearable device;
• sending, by the terminal, a binding request to a server, the binding request including the device identification of the wearable device and user account information, the binding request enabling the server to generate a device certificate corresponding to a user account associated with the wearable device and provide the device certificate to the wearable device;
• receiving, by the terminal, a server-side key from the wearable device using the established connection, the server-side key being used by the server for encrypting the device certificate for the wearable device
• transmitting, by the terminal, the device certificate to the wearable device using the established connection, the device certificate enabling the wearable device to perform a payment operation using the user account, the payment operation capable of being performed by the wearable device if the established connection between the wearable device and the terminal is not detected.

A non-transitory computer readable storage medium for tangibly storing computer program instructions capable of being executed by a computer processor, the computer program instructions defining the steps of:

• receiving, by a wearable device, a device certificate corresponding to a user account associated with the wearable device from a terminal based on an established connection between the wearable device and the terminal;
• storing, by the wearable device, a security certificate corresponding to the user account;
• generating, by the wearable device, a transaction certificate according to a stored device certificate for the user account associated with the wearable device, the transaction certificate capable of being generated by the wearable device if the established connection between the wearable device and a terminal is not detected, the generating a transaction certificate comprising generating a transaction certificate carrying validation information using a certificate generation algorithm, the transaction certificate based on the device certificate and the security certificate, the certificate generation algorithm corresponding to a certificate restoration algorithm adopted by the server for retrieving the device certificate and the security certificate from the transaction certificate;
• and
• providing, by the wearable device, the transaction certificate to a payee device, the transaction certificate enabling the payee device to upload the transaction certificate to a server for processing a payment using the user account corresponding to the device certificate.

A non-transitory computer readable storage medium for tangibly storing computer program instructions capable of being executed by a computer processor, the computer program instructions defining the steps of:

• receiving, by a server, a payment collection request sent by a payee device, the payment collection request including a transaction certificate generated by a wearable device and payment sum information, the transaction certificate capable of being generated by the wearable device if an available connection between the wearable device and a terminal is not detected;
• restoring, by the server, a device certificate of the wearable device from the transaction certificate, the restoring the device certificate comprising:
• obtaining the device certificate and a security certificate of the wearable device by executing a certificate restoration algorithm on the transaction certificate, the certificate restoration algorithm corresponding to a certificate generation algorithm used by the wearable device for generating the transaction certificate;
• and
• processing, by the server, a payment according to the payment sum information using a user account corresponding to the device certificate based on a relationship between the device certificate of the wearable device and the user account stored by the server, the processing the payment comprising performing validation on the transaction certificate using the security certificate, and, and if the validation is successful, performing a payment operation according to the payment sum information using the user account corresponding to the device certificate as payer.

A wearable device comprising:

• a processor;
• and
• a storage medium for tangibly storing thereon program logic for execution by the processor, the stored program logic causing the processor to perform the operations of:
• providing device information to a terminal based on an established connection with the terminal, the device information including a device identification;
• receiving a device certificate from a server, the device certificate generated by the server based on the device identification and the device certificate corresponding to an associated user account;
• generating a device-side key and a server-side key used for encrypting the device certificate during transmission, the device-side key generated based on the server-side key;
• storing the device-side key;
• transmitting the server-side key to the server;
• and
• storing the device certificate, the device certificate enabling performance of a payment operation using the user account, the payment operation capable of being performed if the established connection with the terminal is not detected, the payment operation comprising:
• generating a decrypted device certificate by decrypting the device certificate using the device-side key, the device certificate encrypted by the server using the server-side key;
• generating a transaction certificate based on the decrypted device certificate;
• and
• providing the transaction certificate to a payee device.

A server comprising:

• a processor;
• and
• a storage medium for tangibly storing thereon program logic for execution by the processor, the stored program logic causing the processor to perform the operations of:
• receiving a binding request from a wearable device via a terminal, the binding request including a device identification of the wearable device and user account information associated with the wearable device;
• generating a device certificate of the wearable device based on the device identification, the device certificate corresponding to a user account associated with the wearable device;
• receiving a server-side key from the wearable device;
• storing a relationship between the device certificate and a user account associated with the wearable device;
• and
• providing the device certificate to the wearable device, the device certificate enabling the wearable device to perform a payment operation using the user account, the payment operation capable of being performed by the wearable device if an established connection between the wearable device and the terminal is not detected, the providing the device certificate to the wearable device comprising:
• encrypting the device certificate using the server-side key;
• and
• sending the encrypted device certificate to the wearable device via the terminal.

A terminal comprising:

• a processor;
• and
• a storage medium for tangibly storing thereon program logic for execution by the processor, the stored program logic causing the processor to perform the operations of:
• establishing a connection with a wearable device;
• acquiring device information of the wearable device, the device information including a device identification of the wearable device;
• sending a binding request to a server, the binding request including the device identification of the wearable device and user account information, the binding request enabling the server to generate a device certificate corresponding to a user account associated with the wearable device and provide the device certificate to the wearable device;
• receiving a server-side key from the wearable device using the established connection, the server-side key being used by the server for encrypting the device certificate for the wearable device
• transmitting the device certificate to the wearable device using the established connection, the device certificate enabling the wearable device to perform a payment operation using the user account, the payment operation capable of being performed by the wearable device if the established connection is not detected.

A wearable device comprising:

• a processor;
• and
• a storage medium for tangibly storing thereon program logic for execution by the processor, the stored program logic causing the processor to perform the operations of:
• receiving a device certificate corresponding to a user account from a terminal based on an established connection with the terminal;
• storing a security certificate corresponding to the user account;
• generating a transaction certificate according to a stored device certificate for the user account, the transaction certificate capable of being generated by the wearable device if the established connection is not detected, the generating a transaction certificate comprising generating a transaction certificate carrying validation information using a certificate generation algorithm, the transaction certificate based on the device certificate and the security certificate, the certificate generation algorithm corresponding to a certificate restoration algorithm adopted by the server for retrieving the device certificate and the security certificate from the transaction certificate;
• and
• providing the transaction certificate to a payee device, the transaction certificate enabling the payee device to upload the transaction certificate to a server for processing a payment using the user account corresponding to the device certificate.

A server comprising:

• a processor;
• and
• a storage medium for tangibly storing thereon program logic for execution by the processor, the stored program logic causing the processor to perform the operations of:
• receiving a payment collection request sent by a payee device, the payment collection request including a transaction certificate generated by a wearable device and payment sum information, the transaction certificate capable of being generated by the wearable device if an available connection between the wearable device and a terminal is not detected;
• restoring a device certificate of the wearable device from the transaction certificate, the restoring the device certificate comprising:
• obtaining the device certificate and a security certificate of the wearable device by executing a certificate restoration algorithm on the transaction certificate, the certificate restoration algorithm corresponding to a certificate generation algorithm used by the wearable device for generating the transaction certificate;
• and
• processing a payment according to the payment sum information using a user account corresponding to the device certificate based on a relationship between the device certificate of the wearable device and the user account, the processing the payment comprising performing validation on the transaction certificate using the security certificate, and, and if the validation is successful, performing a payment operation according to the payment sum information using the user account corresponding to the device certificate as payer.