PAYMENT PROCESSING USING A WEARABLE DEVICE

1 . A computer-implemented method, comprising:

receiving, at a merchant device terminal, a payment token from an authorized wearable device through a network connection;

sending, from the merchant device terminal to a payment server, the payment token for verification;

receiving, at the merchant device terminal, service content corresponding to the merchant device terminal from the payment server after a successful verification; and

providing, for a user associated with a mobile device bound to the authorized wearable device, the service content.

2 . The computer-implemented method of claim 1 , wherein the payment token is sent from the authorized wearable device based on a predetermined instruction of the user.

3 . The computer-implemented method of claim 1 , wherein the authorized wearable device is authorized through operations that comprise:

receiving, at the mobile device bound to a wearable device, an authorization request from the wearable device;

receiving, at the mobile device and from the wearable device, a user key that generated by the wearable device based on device information;

sending, from the mobile device and to a payment server, the user key;

receiving, at the mobile device and from the payment server, a payment token generated by the payment server based on the user key; and

sending, from the mobile device to the wearable device, the payment token.

4 . The computer-implemented method of claim 1 , wherein the mobile device bound to the wearable device is bound through operations that comprise:

scanning, by a payment application on the mobile device, the wearable device to establish the network connection between the mobile device and the wearable device;

generating, at the payment application, prompt information to prompt a user of the mobile device to perform a determination operation on the mobile device;

receiving, at the payment application, verification information associated with the user; and

enabling, at the payment application, a payment procedure to bind the wearable device to the mobile device.

5 . The computer-implemented method of claim 2 , wherein the authorized wearable device encrypts and stores the received payment token.

6 . The computer-implemented method of claim 1 , wherein the payment token comprises a device token of the authorized wearable device and a user token associated with a user account of the user.

7 . The computer-implemented method of claim 1 , further comprising:

performing, at the payment server, payment processing after the payment token is verified; and

sending, a payment notification to the mobile device bound to the authorized wearable device.

8 . A non-transitory, computer-readable medium storing one or more instructions executable by a computer system to perform operations comprising:

receiving, at a merchant device terminal, a payment token from an authorized wearable device through a network connection;

sending, from the merchant device terminal to a payment server, the payment token for verification;

receiving, at the merchant device terminal, service content corresponding to the merchant device terminal from the payment server after a successful verification; and

providing, for a user associated with a mobile device bound to the authorized wearable device, the service content.

9 . The non-transitory, computer-readable medium of claim 8 , wherein the payment token is sent from the authorized wearable device based on a predetermined instruction of the user.

10 . The non-transitory, computer-readable medium of claim 8 , wherein the authorized wearable device is authorized through operations that comprise:

receiving, at the mobile device bound to a wearable device, an authorization request from the wearable device;

receiving, at the mobile device and from the wearable device, a user key that generated by the wearable device based on device information;

sending, from the mobile device and to a payment server, the user key;

receiving, at the mobile device and from the payment server, a payment token generated by the payment server based on the user key; and

sending, from the mobile device to the wearable device, the payment token.

11 . The non-transitory, computer-readable medium of claim 8 , wherein the mobile device bound to the wearable device is bound through operations that comprise:

scanning, by a payment application on the mobile device, the wearable device to establish the network connection between the mobile device and the wearable device;

generating, at the payment application, prompt information to prompt a user of the mobile device to perform a determination operation on the mobile device;

receiving, at the payment application, verification information associated with the user; and

enabling, at the payment application, a payment procedure to bind the wearable device to the mobile device.

12 . The non-transitory, computer-readable medium of claim 9 , wherein the authorized wearable device encrypts and stores the received payment token.

13 . The non-transitory, computer-readable medium of claim 8 , wherein the payment token comprises a device token of the authorized wearable device and a user token associated with a user account of the user.

14 . The non-transitory, computer-readable medium of claim 8 , further comprising:

performing, at the payment server, payment processing after the payment token is verified; and

sending, a payment notification to the mobile device bound to the authorized wearable device.

15 . A computer-implemented system, comprising:

one or more computers; and

one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing one or more instructions that, when executed by the one or more computers, perform one or more operations comprising:

receiving, at a merchant device terminal, a payment token from an authorized wearable device through a network connection;

sending, from the merchant device terminal to a payment server, the payment token for verification;

receiving, at the merchant device terminal, service content corresponding to the merchant device terminal from the payment server after a successful verification; and

providing, for a user associated with a mobile device bound to the authorized wearable device, the service content.

16 . The computer-implemented system of claim 15 , wherein the payment token is sent from the authorized wearable device based on a predetermined instruction of the user.

17 . The computer-implemented system of claim 15 , wherein the authorized wearable device is authorized through operations that comprise:

receiving, at the mobile device bound to a wearable device, an authorization request from the wearable device;

receiving, at the mobile device and from the wearable device, a user key that generated by the wearable device based on device information;

sending, from the mobile device and to a payment server, the user key;

receiving, at the mobile device and from the payment server, a payment token generated by the payment server based on the user key; and

sending, from the mobile device to the wearable device, the payment token.

18 . The computer-implemented system of claim 15 , wherein the mobile device bound to the wearable device is bound through operations that comprise:

scanning, by a payment application on the mobile device, the wearable device to establish the network connection between the mobile device and the wearable device;

generating, at the payment application, prompt information to prompt a user of the mobile device to perform a determination operation on the mobile device;

receiving, at the payment application, verification information associated with the user; and

enabling, at the payment application, a payment procedure to bind the wearable device to the mobile device.

19 . The computer-implemented system of claim 16 , wherein the authorized wearable device encrypts and stores the received payment token.

20 . The computer-implemented system of claim 15 , further comprising:

performing, at the payment server, payment processing after the payment token is verified; and

sending, a payment notification to the mobile device bound to the authorized wearable device.