CN115601028A - Terminal device payment method and device, storage medium and electronic device - Google Patents

Abstract

This application provides a terminal device payment method and device, a storage medium, and an electronic device, which can be applied in the financial field or other fields, by obtaining the user's user information and payment history when the user's terminal device is in contact with the scanning device information, based on user information and historical payment information, to obtain the target payment method, based on the target payment method, send a payment verification request to the user's terminal device, after the user performs the payment verification corresponding to the payment verification request, obtain the feedback from the terminal device to execute the payment Verify the verification information, and verify the verification information, and execute the payment operation after the verification information passes the verification. It can be seen that in the solution of this application, the user only needs to control the terminal device to touch the scanning device and perform payment verification through the terminal device to realize payment, which simplifies user operations and improves the convenience of payment operations, thereby improving the experience of elderly users .

Description

A terminal device payment method and device, storage medium and electronic device

technical field

The present application relates to the technical field of payment, and in particular to a terminal device payment method and device, a storage medium, and an electronic device.

Background technique

With the rise of mobile devices, a large number of applications with payment functions have gradually emerged. These applications can complete basic financial transactions such as payment conveniently and quickly. However, with the continuous development of applications, applications have become more and more It is becoming more and more bloated. When the user needs to pay, it is necessary to perform multiple operations on the terminal device to complete the payment. It is very unfriendly to elderly users and affects the experience of elderly users.

Contents of the invention

The present application provides a terminal device payment method and device, a storage medium, and an electronic device, with the purpose of simplifying user operations, improving the convenience of payment operations, and thereby improving the experience of elderly users.

In order to achieve the above object, the application provides the following technical solutions:

A terminal device payment method, comprising:

When the user's terminal device is in contact with the scanning device, obtain the user's user information and historical payment information;

Acquiring a target payment method based on the user information and the historical payment information;

Sending a payment verification request to the user's terminal device based on the target payment method;

After the user performs the payment verification corresponding to the payment verification request, obtain the verification information for performing the payment verification fed back by the terminal device, and verify the verification information;

After the verification information passes the verification, the payment operation is performed.

In the above method, optionally, the acquiring user information and historical payment information of the user includes:

sending a connection request to the terminal device;

After receiving the connection approval information fed back by the terminal device, establishing a connection with the terminal device;

sending an acquisition request to the terminal device; the acquisition request is used to request acquisition of user information and historical payment information;

The user information and historical payment information of the user fed back by the terminal device are acquired.

The above method, optionally, after performing the payment operation, further includes:

Disconnect from the terminal device.

In the above method, optionally, the acquiring the target payment method based on the user information and the historical payment information includes:

Based on the user information, determine whether there is a payment method corresponding to the user in the database;

If it does not exist, then input the historical payment information into the pre-built optimal transaction method prediction model to obtain the payment method output by the optimal transaction method prediction model;

The payment method output by the machine learning model and the user information are associated and stored in the database, and the payment method output by the machine learning model is determined as the target payment method.

The above method, optionally, also includes:

If it exists, determine the payment method corresponding to the user in the database as the target payment method.

A payment device for terminal equipment, comprising:

A first obtaining unit, configured to obtain user information and historical payment information of the user when the user's terminal device touches the scanning device;

A second acquiring unit, configured to acquire a target payment method based on the user information and the historical payment information;

A requesting unit, configured to send a payment verification request to the user's terminal device based on the target payment method;

A verification unit, configured to obtain verification information for performing payment verification fed back by the terminal device after the user performs payment verification corresponding to the payment verification request, and verify the verification information;

A payment unit, configured to perform a payment operation after the verification information passes the verification.

In the above device, optionally, the first acquisition unit is specifically used for:

sending a connection request to the terminal device;

After receiving the connection approval information fed back by the terminal device, establishing a connection with the terminal device;

sending an acquisition request to the terminal device; the acquisition request is used to request acquisition of user information and historical payment information;

The user information and historical payment information of the user fed back by the terminal device are acquired.

The above-mentioned device, optionally, also includes:

A disconnection unit, configured to disconnect from the terminal device.

In the above device, optionally, the second acquisition unit is specifically used for:

Based on the user information, determine whether there is a payment method corresponding to the user in the database;

If it does not exist, then input the historical payment information into the pre-built optimal transaction method prediction model to obtain the payment method output by the optimal transaction method prediction model;

The payment method output by the machine learning model and the user information are associated and stored in the database, and the payment method output by the machine learning model is determined as the target payment method.

The above-mentioned device, optionally, also includes:

The determining unit is configured to, if it exists, determine the payment method corresponding to the user in the database as the target payment method.

A storage medium stores an instruction set, wherein the above-mentioned terminal device payment method is implemented when the instruction set is executed by a processor.

An electronic device comprising:

a memory for storing at least one set of instructions;

The processor is configured to execute the instruction set stored in the memory, and implement the above terminal device payment method by executing the instruction set.

Compared with the prior art, the present application includes the following advantages:

This application provides a terminal device payment method and device, a storage medium, and an electronic device. By obtaining the user's user information and historical payment information when the user's terminal device is in contact with the scanning device, based on the user information and historical payment information , to obtain the target payment method, based on the target payment method, send a payment verification request to the user's terminal device, after the user performs the payment verification corresponding to the payment verification request, obtain the verification information of the payment verification that is fed back by the terminal device, and verify the verification information Perform verification, and execute the payment operation after the verification information passes the verification. It can be seen that in the solution of this application, the user only needs to control the terminal device to touch the scanning device and perform payment verification through the terminal device to realize payment, which simplifies user operations and improves the convenience of payment operations, thereby improving the experience of elderly users .

Description of drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only It is an embodiment of the present application, and those skilled in the art can also obtain other drawings according to the provided drawings without creative work.

Fig. 1 is a method flowchart of a terminal device payment method provided by the present application;

Fig. 2 is another method flowchart of a terminal device payment method provided by the present application;

Fig. 3 is another method flowchart of a terminal device payment method provided by the present application;

FIG. 4 is a schematic structural diagram of a terminal device payment system provided by the present application;

FIG. 5 is a schematic structural diagram of a terminal device payment device provided by the present application;

FIG. 6 is a schematic structural diagram of an electronic device provided by the present application.

detailed description

The technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only some of the embodiments of the present application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

As used herein, the term "comprise" and its variations are open-ended, ie "including but not limited to". The term "based on" is "based at least in part on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one further embodiment"; the term "some embodiments" means "at least some embodiments." Relevant definitions of other terms will be given in the description below.

It should be noted that concepts such as "first" and "second" mentioned in the disclosure of this application are only used to distinguish different devices, modules or units, and are not used to limit the functions performed by these devices, modules or units. sequence or interdependence.

It should be noted that the modifications of "one" and "multiple" mentioned in the disclosure of the present application are illustrative and not restrictive, and those skilled in the art should understand that unless the context clearly indicates otherwise, it should be understood as "a or more".

The application is applicable to numerous general purpose or special purpose computing device environments or configurations. For example: personal computer, server computer, handheld or portable device, tablet type device, multiprocessor device, distributed computing environment including any of the above devices or devices, etc.

The terminal equipment payment method and device, storage medium, and electronic equipment provided in this application can be used in the financial field or other fields. The above is only an example, and does not limit the application field of the terminal device payment method and device, storage medium and electronic device provided in this application.

Referring to Figure 1, a terminal device payment method provided by the present application is applied to a digital wallet system, and the method specifically includes the following steps:

S101. Acquire user information and historical payment information of the user when the terminal device of the user touches the scanning device.

In this embodiment, when the user has a payment requirement, the user touches the terminal device to the scanning device. Exemplarily, the scanning device may be a POS machine.

Among them, the historical payment information includes but is not limited to the transaction method, transaction times and transaction consumption time.

In this embodiment, when the user's terminal device touches the scanning device, the user's user information and historical payment information are acquired. Among them, user information includes but not limited to user identity information.

Referring to Figure 2, the process of obtaining the user's user information and historical payment information specifically includes the following steps:

S201. Send a connection request to the terminal device.

In this embodiment, when the user's terminal device touches the scanning device, the digital wallet system sends a connection request to the terminal device.

S202. After receiving the connection approval information fed back by the terminal device, establish a connection with the terminal device.

In this embodiment, after receiving the connection request, the terminal device responds to the connection request and verifies the legitimacy of the connection request. If the connection request passes the legitimacy verification, it sends the connection approval information to the digital wallet system.

In this embodiment, the digital wallet system establishes a connection with the terminal device after receiving the connection approval information fed back by the terminal device.

S203. Send an acquisition request to the terminal device.

In this embodiment, after the connection with the terminal device is established, an acquisition request is sent to the terminal device, where the acquisition request is used to request acquisition of user information and historical payment information. Wherein, the user information is the user information of the user holding the dilution device.

S204. Obtain the user information and historical payment information of the user fed back by the terminal device.

In this embodiment, after receiving the acquisition request, the terminal device acquires the user information and historical payment information of the holding user, and feeds back the acquired user information and historical payment information.

In this embodiment, the digital wallet system acquires user information and historical payment information of the user fed back by the terminal device.

In the method provided in the embodiment of the present application, the user information and historical payment information fed back by the terminal device are obtained by establishing a connection with the terminal device.

S102. Acquire a target payment method based on user information and historical payment information.

In this embodiment, the target payment method is acquired based on user information and historical payment information. Exemplarily, the target payment method may be hardware recognition (NFC) payment, iris payment or face payment.

Referring to Figure 3, the process of obtaining the target payment method based on user information and historical payment information includes the following steps:

S301. Based on the user information, determine whether there is a payment method corresponding to the user in the database, if yes, perform S302, and if not, perform S303.

In this embodiment, user information and payment methods are pre-associatedly stored in the database.

In this embodiment, based on the user information, it is judged whether there is a payment method corresponding to the user in the database. Specifically, based on the user information, it is judged whether there is user information matching the user information in the user information included in the database. If so, then It is determined that the payment method corresponding to the user exists in the database, and if not, it is determined that the payment method corresponding to the user does not exist in the database.

S302. Determine the payment method corresponding to the user in the database as the target payment method.

In this embodiment, if the payment method corresponding to the user exists in the database, the payment method corresponding to the user in the database is determined as the target payment method.

S303. Input the historical payment information into the pre-built optimal transaction method prediction model to obtain the payment method output by the optimal transaction method prediction model.

In this embodiment, an optimal transaction mode prediction model is constructed in advance, wherein the optimal transaction mode prediction model is trained based on a machine learning model.

In this implementation, if the payment method corresponding to the user does not exist in the database, the historical payment information is input into the pre-built optimal transaction method prediction model, and the payment method output by the optimal transaction method prediction model is obtained. Specifically, the historical payment method is extracted The characteristic information included in the payment information is input into the pre-built optimal transaction method prediction model, so as to obtain the payment method output by the optimal transaction method prediction model.

S304. Associate and store the payment method output by the machine learning model and the user information in the database, and determine the payment method output by the machine learning model as the target payment method.

In this embodiment, the payment method and user information output by the machine learning model are associated and stored in the database.

In this embodiment, the payment method output by the machine learning model is determined as the target payment method.

S103. Based on the target payment method, send a payment verification request to the user's terminal device.

In this embodiment, after the target payment method is acquired, a payment verification request is sent to the user's terminal device based on the target payment method, that is, a payment verification request corresponding to the target payment method is sent to the user's terminal device. For example, if the target If the payment method is iris payment, an iris verification request is sent to the user's terminal device, and if the target payment method is face payment, a face verification request is sent to the user's terminal device.

S104. After the user performs the payment verification corresponding to the payment verification request, obtain the verification information for performing the payment verification fed back by the terminal device, and verify the verification information.

In this embodiment, after the terminal device receives the payment verification request, the user performs payment verification on the payment verification request through the terminal device, and the terminal device receives the verification information for payment verification and feeds back the verification information. For example, the payment verification request does not have face verification. request, the verification information is the user's face information.

In this embodiment, the verification information for performing payment verification fed back by the terminal device is obtained, and the verification information is verified. Specifically, the verification information is verified based on the verification rule corresponding to the target payment method.

S105. Determine whether the verification information passes the verification, if so, return to S103, and if so, perform S106.

In this embodiment, it is judged whether the verification information passes the verification.

In this embodiment, if the verification information passes the verification, execute step S106, and if the verification information fails the verification, return to step S103 to resend the payment verification request.

S106. Perform a payment operation.

In this embodiment, if the verification information passes the verification, the payment operation is performed after the verification information passes the verification.

Optionally, after the payment operation is performed, the connection with the terminal device is disconnected.

The terminal device payment method provided by the embodiment of the present application obtains the user's user information and historical payment information when the user's terminal device is in contact with the scanning device, obtains the target payment method based on the user information and historical payment information, and obtains the target payment method based on the target payment method. In this way, a payment verification request is sent to the user's terminal device, and after the user performs the payment verification corresponding to the payment verification request, the verification information for performing payment verification fed back by the terminal device is obtained, and the verification information is verified. After verification, execute the payment operation. It can be seen that in the solution of this application, the user only needs to control the terminal device to touch the scanning device and perform payment verification through the terminal device to realize payment, which simplifies user operations and improves the convenience of payment operations, thereby improving the experience of elderly users .

Referring to Fig. 4, the embodiment of the present application also provides a terminal device payment system 400, including:

A transaction module 401 and a central control module 402, wherein the central control module has a built-in payment optimizer.

For customers who have opened relevant accounts, they can go to nearby outlets to activate the function before using the digital wallet system. Customers can freely expand transaction methods according to the registered device information, such as hardware identification (NFC) payment, code scanning payment, iris payment, facial recognition Payment and other methods are added to the transaction method library of the transaction module for each method.

In the transaction module, for each transaction method, the element items are transmitted in series, and multiple transaction methods are linked in parallel; automatic information items in the transaction process can be transmitted between multiple transaction methods.

When the transaction is initiated, each transaction method is carried out synchronously. The information obtained by each transaction method is compared with the information of other transaction methods, and the problematic transaction direction is identified and the corresponding transaction method is notified to re-acquire or correct the data. The corrected process information is sent to Central control module.

The central control module has a built-in payment optimizer. When it is used for the first time, the central control module first identifies the type of transaction initiator, and activates the corresponding transaction mode of the transaction module based on the registered device type. When the result of the fastest transaction method returns, it directly The user conducts secret verification to complete the transaction, and the central control module performs storage and machine learning prediction on the initiator channel, transaction method, transaction times, transaction consumption time and other indicators during the transaction process, and records the prediction result to the optimizer; when the user subsequently uses , the payment method is called first based on the results in the payment optimizer, and the results in the payment optimizer are refreshed using the above method after the payment is completed.

For example, when an elderly customer uses the system, he only needs to unlock the mobile phone and bring the mobile phone close to the transaction initiator, and the system background can automatically select the best transaction method based on the customer's relevant information and historical information for fast transactions. For example, the customer's mobile phone supports nfc , if the customer completes the simulated input of bank card information at the bank branch, the test customer can directly enter the password to complete this operation, and there is no need to perform content operations on the application program with the payment function in the mobile phone.

It should be noted that while operations are depicted in a particular order, this should not be understood as requiring that the operations be performed in the particular order shown or to be performed in sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous.

It should be understood that the various steps described in the method implementations disclosed in the present application may be executed in different orders, and/or executed in parallel. Additionally, method embodiments may include additional steps and/or omit performing illustrated steps. The scope of the present disclosure is not limited in this regard.

Corresponding to the method described in Figure 1, the embodiment of the present application also provides a payment device for terminal equipment, which is used to implement the method in Figure 1, and its structural diagram is shown in Figure 5, specifically including:

The first obtaining unit 501 is configured to obtain user information and historical payment information of the user when the user's terminal device touches the scanning device;

The second obtaining unit 502 is configured to obtain a target payment method based on the user information and the historical payment information;

A requesting unit 503, configured to send a payment verification request to the user's terminal device based on the target payment method;

A verification unit 504, configured to obtain verification information for performing payment verification fed back by the terminal device after the user performs payment verification corresponding to the payment verification request, and verify the verification information;

The payment unit 505 is configured to perform a payment operation after the verification information passes the verification.

The terminal device payment device provided in the embodiment of the present application obtains the user's user information and historical payment information when the user's terminal device is in contact with the scanning device, obtains the target payment method based on the user information and historical payment information, and obtains the target payment method based on the target payment method. In this way, a payment verification request is sent to the user's terminal device, and after the user performs the payment verification corresponding to the payment verification request, the verification information for performing payment verification fed back by the terminal device is obtained, and the verification information is verified. After verification, execute the payment operation. It can be seen that in the solution of this application, the user only needs to control the terminal device to touch the scanning device and perform payment verification through the terminal device to realize payment, which simplifies user operations and improves the convenience of payment operations, thereby improving the experience of elderly users .

In an embodiment of the present application, based on the foregoing solution, the first acquisition unit 501 is specifically configured to:

sending a connection request to the terminal device;

After receiving the connection approval information fed back by the terminal device, establishing a connection with the terminal device;

sending an acquisition request to the terminal device; the acquisition request is used to request acquisition of user information and historical payment information;

The user information and historical payment information of the user fed back by the terminal device are acquired.

In one embodiment of the present application, based on the foregoing solution, it can also be configured as:

A disconnection unit, configured to disconnect from the terminal device.

In an embodiment of the present application, based on the foregoing solution, the second acquiring unit 502 is specifically configured to:

Based on the user information, determine whether there is a payment method corresponding to the user in the database;

If it does not exist, then input the historical payment information into the pre-built optimal transaction method prediction model to obtain the payment method output by the optimal transaction method prediction model;

The payment method output by the machine learning model and the user information are associated and stored in the database, and the payment method output by the machine learning model is determined as the target payment method.

In one embodiment of the present application, based on the foregoing solution, it can also be configured as:

The determining unit is configured to, if it exists, determine the payment method corresponding to the user in the database as the target payment method.

The embodiment of the present application also provides a storage medium, the storage medium stores an instruction set, wherein the following operations are performed when the instruction set is running:

When the user's terminal device is in contact with the scanning device, obtain the user's user information and historical payment information;

Acquiring a target payment method based on the user information and the historical payment information;

Sending a payment verification request to the user's terminal device based on the target payment method;

After the user performs the payment verification corresponding to the payment verification request, obtain the verification information for performing the payment verification fed back by the terminal device, and verify the verification information;

After the verification information passes the verification, the payment operation is performed.

The embodiment of the present application also provides an electronic device, the structural diagram of which is shown in Figure 6, specifically including a memory 601 for storing at least one set of instructions; a processor 602 for executing the instruction set stored in the memory , implement the following operations by executing the instruction set:

When the user's terminal device is in contact with the scanning device, obtain the user's user information and historical payment information;

Acquiring a target payment method based on the user information and the historical payment information;

Sending a payment verification request to the user's terminal device based on the target payment method;

After the user performs the payment verification corresponding to the payment verification request, obtain the verification information for performing the payment verification fed back by the terminal device, and verify the verification information;

After the verification information passes the verification, the payment operation is performed.

Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are merely example forms of implementing the claims.

While several specific implementation details are contained in the above discussion, these should not be construed as limitations on the scope of the present disclosure. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.

The above description is only a preferred embodiment disclosed in the present application and an illustration of the applied technical principle. Those skilled in the art should understand that the disclosure scope involved in the disclosure of this application is not limited to the technical solution formed by the specific combination of the above-mentioned technical features, but also covers the technical solutions made by the above-mentioned technical features without departing from the above-mentioned disclosed concepts. Other technical solutions formed by any combination of or equivalent features thereof. For example, a technical solution formed by replacing the above-mentioned features with technical features with similar functions disclosed in (but not limited to) the disclosure of this application.

Claims (10)

1. A terminal device payment method, characterized in that, comprising: When the user's terminal device is in contact with the scanning device, obtain the user's user information and historical payment information; Acquiring a target payment method based on the user information and the historical payment information; Sending a payment verification request to the user's terminal device based on the target payment method; After the user performs the payment verification corresponding to the payment verification request, obtain the verification information for performing the payment verification fed back by the terminal device, and verify the verification information; After the verification information passes the verification, the payment operation is performed. 2. The method according to claim 1, wherein said obtaining the user information and historical payment information of the user comprises: sending a connection request to the terminal device; After receiving the connection approval information fed back by the terminal device, establishing a connection with the terminal device; sending an acquisition request to the terminal device; the acquisition request is used to request acquisition of user information and historical payment information; The user information and historical payment information of the user fed back by the terminal device are acquired. 3. The method according to claim 2, characterized in that, after performing the payment operation, further comprising: Disconnect from the terminal device. 4. The method according to claim 1, wherein said acquiring a target payment method based on said user information and said historical payment information comprises: Based on the user information, determine whether there is a payment method corresponding to the user in the database; If it does not exist, then input the historical payment information into the pre-built optimal transaction method prediction model to obtain the payment method output by the optimal transaction method prediction model; The payment method output by the machine learning model and the user information are associated and stored in the database, and the payment method output by the machine learning model is determined as the target payment method. 5. The method according to claim 4, further comprising: If it exists, determine the payment method corresponding to the user in the database as the target payment method. 6. A payment device for terminal equipment, characterized in that it comprises: A first obtaining unit, configured to obtain user information and historical payment information of the user when the user's terminal device touches the scanning device; A second acquiring unit, configured to acquire a target payment method based on the user information and the historical payment information; A requesting unit, configured to send a payment verification request to the user's terminal device based on the target payment method; A verification unit, configured to obtain verification information for performing payment verification fed back by the terminal device after the user performs payment verification corresponding to the payment verification request, and verify the verification information; A payment unit, configured to perform a payment operation after the verification information passes the verification. 7. The device according to claim 6, wherein the first acquiring unit is specifically used for: sending a connection request to the terminal device; After receiving the connection approval information fed back by the terminal device, establishing a connection with the terminal device; sending an acquisition request to the terminal device; the acquisition request is used to request acquisition of user information and historical payment information; The user information and historical payment information of the user fed back by the terminal device are acquired. 8. The device according to claim 7, further comprising: A disconnection unit, configured to disconnect from the terminal device. 9. A storage medium, wherein the storage medium stores an instruction set, wherein when the instruction set is executed by a processor, the terminal device payment method according to any one of claims 1-5 is implemented. 10. An electronic device, characterized in that it comprises: a memory for storing at least one set of instructions; The processor is configured to execute the instruction set stored in the memory, and implement the terminal device payment method according to any one of claims 1-5 by executing the instruction set.

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