Payment processing method, apparatus, device, and system

A payment processing method, comprising:

• receiving, by a first service terminal corresponding to a payment application, a payment request sent by a second service terminal, the payment requesting including payment information of a payment to be paid;
• determining whether the payment request satisfies a payment condition;
• and
• in response to the payment request satisfying the payment condition, performing payment processing based on the payment information,
• wherein:
• the payment request is sent by an internet-of-things (IoT) device to the second service terminal;
• the payment request is generated offline by the IoT device in response to a payment operation of a first user based on the payment information of the payment to be paid, biometric feature information of the first user, and payment certificate information of the IoT device;
• the payment certificate information includes certificate data and a private key;
• and
• the second service terminal is a service terminal of a merchant corresponding to the IoT device.

A computing device, comprising a processor and a memory, the memory storing executable instructions, the executable instructions when executed by the processor enable the processor to implement acts including:

• determining payment information of a payment to be paid in response to a payment operation of a first user;
• collecting biometric feature information of the first user;
• generating a payment request offline based on the payment information, the biometric feature information, and payment certificate information of an internet-of-things (IoT) device obtained from a first service terminal, the first service terminal being a service terminal corresponding to a payment application of the first user, and the payment certificate information including certificate data and a private key;
• and
• sending the payment request to a second service terminal, for the second service terminal to send the payment request to the first service terminal, and for the first service terminal to perform payment processing based on the payment information and a payment account of the payment application in response to the payment request satisfying a first payment condition, wherein the second service terminal is a service terminal of a merchant corresponding to the IoT device.

A computing device, comprising a processor and a memory, the memory storing executable instructions, the executable instructions when executed by the processor enable the processor to implement acts including:

• receiving, at a first service terminal corresponding to a payment application, a payment request sent by a second service terminal, the payment request including payment information of a payment to be paid;
• determining whether the payment request satisfies a payment condition;
• and
• in response to the payment request satisfying the payment condition, performing payment processing based on the payment information,
• wherein:
• the payment request is sent by an internet-of-things (IoT) device to the second service terminal;
• the payment request is generated offline by the IoT device in response to a payment operation of a first user based on the payment information of the payment to be paid, biometric feature information of the first user, and payment certificate information of the IoT device;
• the payment certificate information includes certificate data and a private key;
• and
• the second service terminal is a service terminal of a merchant corresponding to the IoT device.