CN106033570A - Mobile payment device and method - Google Patents
Mobile payment device and method Download PDFInfo
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- CN106033570A CN106033570A CN201610355250.6A CN201610355250A CN106033570A CN 106033570 A CN106033570 A CN 106033570A CN 201610355250 A CN201610355250 A CN 201610355250A CN 106033570 A CN106033570 A CN 106033570A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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Abstract
The invention discloses a mobile payment device and method. The mobile payment device comprises an obtaining module, a matching module, a recommending module and a payment module, the obtaining module is used for obtaining the payment place of a user when a payment request of the user is received; the matching module is used for matching a payment mode recommending list generated in advance according to the payment place; the recommending module is used for obtaining the corresponding recommended payment mode from the payment mode recommending list generated in advance and representing the mode to the user; the payment module is used for carrying out payment operation in the obtained recommended payment mode according to an operation instruction of the user. Operation habits and payment habits of the user can be used, the payment mode for use is automatically recommended for the user, the user can carry out payment more conveniently, rapidness and flexibility of mobile payment are improved, and meanwhile overall experience of mobile payment is improved.
Description
Technical field
The present invention relates to mobile payment technical field, particularly relate to a kind of mobile payment device and method.
Background technology
At present, along with use more prevalentization of mobile phone, mobile payment the most day by day becomes people on mobile phone
Regular operation.When paying, user often selects to use AA to pay, and (social payment in APP sets
The AA payment function of the payment mode put, such as wechat and Alipay, AA pays namely multiple users
Activity, have a meal consumption time, use the Dutch treatment to divide bill, i.e. Dutch treatment payment) or other payment
Pattern.But, in existing payment mode, user, when entering mobile payment end and paying, always uses
Common payment mode, but also need to reselect, this reduces mobile payment to a certain extent
Agility and motility.
Summary of the invention
Present invention is primarily targeted at a kind of mobile payment device of proposition and method, it is intended to improve mobile
The agility paid and motility.
For achieving the above object, a kind of mobile payment device that the present invention provides, including:
Acquisition module, during for asking in the payment receiving user, obtains the place of payment of user；
Matching module, for according to the described place of payment, the payment mode recommendation list that coupling previously generates；
Recommending module, for obtaining the recommendation of correspondence from the described payment mode recommendation list previously generated
Payment mode presents to user；
Payment module, for according to user operation instruct, with obtain recommendation payment mode to described payment
Request carries out delivery operation.
Alternatively, described matching module, it is additionally operable to obtain the type in the described place of payment, according to described
Pay place and search the payment mode recommendation list previously generated, it may be judged whether exist and the described place of payment
The recommendation payment mode of type matching；The most then the match is successful, from the described payment mould previously generated
The recommendation payment mode obtaining correspondence in formula recommendation list presents to user, and otherwise, it fails to match, with silent
Recognize payment mode and present to user's selection, so that described payment request is carried out delivery operation.
Alternatively, described matching module, it is additionally operable to the place of payment according to the described user obtained, searches
The cartographic information preset, obtains the Business Information in the described place of payment；Businessman according to the described place of payment
Information determines the type in the described place of payment.
Alternatively, described device also includes:
Generation module, for when detecting user and carrying out delivery operation, the payment behavior of record user and
Custom, the history obtaining user pays behavior and custom data；History according to described user pays behavior
With custom data genaration payment mode recommendation list.
Alternatively, described payment module, it is additionally operable to judge whether the payment number of times of user reaches pre-determined number,
The means of payment the most then selected according to type and the user in the place of payment of user, generates and pays mould
Formula recommendation list.
Alternatively, described recommending module, also provide for the current place of payment or the similar place of payment and pay
The options for user of situation is clicked on；According to the click commands of user, show the current place of payment or similar
Pay the history payout status in place.
The embodiment of the present invention also proposes a kind of method of mobile payment, including:
When the payment receiving user is asked, obtain the place of payment of user；
According to the described place of payment, the payment mode recommendation list that coupling previously generates；
The recommendation payment mode obtaining correspondence from the described payment mode recommendation list previously generated is presented to
User；
Instruct according to user operation, carry out paying behaviour to described payment request with the recommendation payment mode obtained
Make.
Alternatively, described according to the described place of payment, the payment mode recommendation list that coupling previously generates
Step includes:
Obtain the type in the described place of payment, search the payment mode previously generated according to the described place of payment
Recommendation list, it may be judged whether there is the recommendation payment mode of type matching with the described place of payment；If
It is that then the match is successful, performs to obtain corresponding pushing away from the described payment mode recommendation list previously generated
Recommending payment mode and present to the step of user, otherwise, it fails to match, with give tacit consent to payment mode present to use
Family selects, so that described payment request is carried out delivery operation.
Alternatively, the step of the type in the described place of payment obtaining user and the place of payment includes:
Obtain the place of payment of user；
According to the place of payment of the described user obtained, search the cartographic information preset, obtain described payment
The Business Information in place；
Business Information according to the described place of payment determines the type in the described place of payment.
Alternatively, described when the payment receiving user is asked, obtain the step in the place of payment of user
Before, also include:
When detecting user and carrying out delivery operation, the payment behavior of record user and custom, obtain user
History pay behavior and custom data；
History according to described user pays behavior and custom data genaration payment mode recommendation list.
Alternatively, the described history according to user pays behavior and custom data genaration payment mode recommends row
The step of table includes:
When using fixing payment mode to pay according to user in the place of same or similar type, note
Employ the payment mode that family selects, generate payment mode recommendation list.
Alternatively, the history of described user pays behavior and is accustomed to the class that data include the place of payment of user
The means of payment that type and user select, the described history according to described user pays behavior and custom data
The step generating payment mode recommendation list includes:
The means of payment that the type in the place of payment according to user and user select, generates payment mode and pushes away
Recommend list.
Alternatively, the history of described user pays behavior and custom data also include that user is for same type
Or the payment number of times in the place of payment of similar type；The type in the described place of payment according to user and use
The means of payment that family selects, also includes before generating the step of payment mode recommendation list:
Judge whether the payment number of times of user reaches pre-determined number, the most then according to the place of payment of user
Type and user select the means of payment, generate payment mode recommendation list.
Alternatively, the described recommendation obtaining correspondence from the described payment mode recommendation list previously generated is propped up
The pattern of paying presents to also include in the step of user or after step:
The options for user providing the current place of payment or similar place of payment payout status is clicked on；
According to the click commands of user, show that the history in the current place of payment or the similar place of payment pays feelings
Condition.
A kind of mobile payment device of present invention proposition and method, when the payment receiving user is asked,
Obtain the place of payment of user；According to the described place of payment, the payment mode that coupling previously generates recommends row
Table, this payment mode recommendation list can payment behavior based on user and custom generation；From described in advance
The recommendation payment mode obtaining correspondence in the payment mode recommendation list generated presents to user；According to user
Operational order, carries out delivery operation with the recommendation payment mode obtained to described payment request, the most permissible
Utilize the operating habit of user and pay custom, the means of payment recommended from trend user, use
Family can pay more easily, improves agility and the motility of mobile payment, improves shifting simultaneously
The dynamic overall experience paid.
Accompanying drawing explanation
Fig. 1 is an optional hardware architecture diagram of the mobile terminal realizing each embodiment of the present invention；
Fig. 2 is the wireless communication system schematic diagram of mobile terminal as shown in Figure 1；
Fig. 3 is the module diagram of mobile payment device first embodiment of the present invention；
Fig. 4 is the payment recommendation function interface schematic diagram that in the embodiment of the present invention, mobile terminal screen shows；
Fig. 5 is that mode interface schematic diagram is recommended in the payment selected according to historical record in the embodiment of the present invention；
Fig. 6 is that the payment mode of payment platform in the embodiment of the present invention recommends interface schematic diagram；
Fig. 7 is the module diagram of mobile payment device the second embodiment of the present invention；
Fig. 8 is the schematic flow sheet of method of mobile payment first embodiment of the present invention；
Fig. 9 is the schematic flow sheet of method of mobile payment the second embodiment of the present invention.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, do referring to the drawings further
Explanation.
Detailed description of the invention
Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not used to limit
Determine the present invention.
The terminal unit related in embodiment of the present invention scheme refers mainly to mobile terminal.
The mobile terminal realizing each embodiment of the present invention is described referring now to accompanying drawing.In follow-up description
In, use the suffix of such as " module ", " parts " or " unit " for representing element only for being conducive to this
The explanation of invention, itself does not has specific meaning.Therefore, " module " can mixedly make with " parts "
With.
Mobile terminal can be implemented in a variety of manners.Such as, the terminal described in the present invention can include
(individual digital helps for such as mobile phone, smart phone, notebook computer, digit broadcasting receiver, PDA
Reason), PAD (panel computer), PMP (portable media player), the mobile end of guider etc.
The fixed terminal of end and such as numeral TV, desk computer etc..Hereinafter it is assumed that terminal is mobile whole
End.However, it will be understood by those skilled in the art that, in addition to being used in particular for the element of mobile purpose,
Structure according to the embodiment of the present invention can also apply to the terminal of fixed type.
Fig. 1 is an optional hardware architecture diagram of the mobile terminal realizing each embodiment of the present invention.
Mobile terminal 100 can include wireless communication unit 110, user input unit 130, output unit
150, memorizer 160, interface unit 170, controller 180 and power subsystem 190 etc..Fig. 1 shows
There is the mobile terminal of various assembly, it should be understood that be not required for implementing all assemblies illustrated.
Can alternatively implement more or less of assembly.Will be discussed in more detail below the element of mobile terminal.
Wireless communication unit 110 generally includes one or more assembly, and it allows mobile terminal 100 with wireless
Radio communication between communication system or network.Such as, wireless communication unit can include mobile communication
In module 112, wireless Internet module 113, short range communication module 114 and positional information module 115 at least
One.
Mobile communication module 112 send radio signals to base station (such as, access point, node B etc.),
In exterior terminal and server at least one and/or receive from it radio signal.Such radio
Signal can include voice call signal, video calling signal or according to text and/or Multimedia Message
The various types of data sent and/or receive.
Wireless Internet module 113 supports the Wi-Fi (Wireless Internet Access) of mobile terminal.This module can internal or
Externally it is couple to terminal.Wi-Fi (Wireless Internet Access) technology involved by this module can include WLAN (nothing
Line LAN) (Wi-Fi), Wibro (WiMAX), Wimax (worldwide interoperability for microwave access), HSDPA (at a high speed
Downlink packets accesses) etc..
Positional information module 115 is the module of positional information for checking or obtain mobile terminal.Position is believed
The typical case of breath module is GPS (global positioning system).According to current technology, GPS module 115 calculates
From the range information of three or more satellites and correct time information and for the Information application calculated
Triangulation, thus according to longitude, latitude and highly accurately calculating three-dimensional current location information.When
Before, use three satellites and by using other one for calculating the method for position and temporal information
Satellite corrects the position and the error of temporal information calculated.Additionally, GPS module 115 can be by real time
Ground Continuous plus current location information calculates velocity information.
It is mobile to control that user input unit 130 can generate key input data according to the order of user's input
The various operations of terminal.User input unit 130 allows user to input various types of information, and permissible
Including keyboard, metal dome, touch pad (such as, detection due to touched and cause resistance, pressure, electricity
The sensitive component of change held etc.), roller, rocking bar etc..Especially, when touch pad as a layer
When being superimposed upon on display unit 151, touch screen can be formed.
Interface unit 170 is used as at least one external device (ED) and is connected connecing of can passing through with mobile terminal 100
Mouthful.Such as, external device (ED) can include wired or wireless head-band earphone port, external power source (or battery
Charger) port, wired or wireless FPDP, memory card port, for connect there is identification module
The port of device, audio frequency input/output (I/O) port, video i/o port, ear port etc..Identify mould
Block can be that storage is for verifying that user uses the various information of mobile terminal 100 and can include user
Identification module (UIM), client identification module (SIM), Universal Subscriber identification module (USIM) etc..It addition,
The device (hereinafter referred to as " identifying device ") with identification module can be to take the form of smart card, therefore, knows
Other device can be connected with mobile terminal 100 via port or other attachment means.Interface unit 170 is permissible
For receiving from the input (such as, data message, electric power etc.) of external device (ED) and defeated by receive
Enter to be transferred to the one or more elements in mobile terminal 100 or may be used in mobile terminal and outside
Data are transmitted between device.
It addition, when mobile terminal 100 is connected with external base, interface unit 170 can serve as allowing to lead to
Cross it provide the path of mobile terminal 100 by electric power from base or can serve as allowing to input from base
Various command signals be transferred to the path of mobile terminal by it.Various command signals from base input
Or electric power may serve as identifying whether mobile terminal is accurately fitted within the signal on base.Output is single
Unit 150 be configured to vision, audio frequency and/or tactile manner provide output signal (such as, audio signal,
Video signal, alarm signal, vibration signal etc.).
Output unit 150 can include display unit 151 etc..
Display unit 151 may be displayed on the information processed in mobile terminal 100.Such as, mobile terminal is worked as
100 when being in telephone calling model, display unit 151 can show and call or other communicate (such as, civilian
This information receiving and transmitting, multimedia file download etc.) relevant user interface (UI) or graphic user interface
(GUI).When mobile terminal 100 is in video calling pattern or image capture mode, display unit 151
Can show capture image and/or the image of reception, illustrate video or image and the UI of correlation function or
GUI etc..
Meanwhile, when display unit 151 and touch pad the most superposed on one another to form touch screen time, aobvious
Show that unit 151 can serve as input equipment and output device.Display unit 151 can include liquid crystal display
(LCD), thin film transistor (TFT) LCD (TFT-LCD), Organic Light Emitting Diode (OLED) display, flexibility show
Show at least one in device, three-dimensional (3D) display etc..Some in these display may be constructed such that
Transparence is to allow user to watch from outside, and this is properly termed as transparent display, typical transparent display
Can for example, TOLED (transparent organic light emitting diode) display etc..According to the specific enforcement wanted
Mode, mobile terminal 100 can include two or more display units (or other display device), such as,
Mobile terminal can include outernal display unit (not shown) and inner display unit (not shown).Touch screen can
For detecting touch input pressure and touch input position and touch input area.
Memorizer 160 can store the process performed by controller 180 and control the software program etc. of operation
Deng, or can temporarily store oneself through output maybe will export data (such as, telephone directory, message,
Still image, video etc.).And, memorizer 160 can store about when touch is applied to touch screen
The vibration of the various modes of output and the data of audio signal.
Memorizer 160 can include the storage medium of at least one type, described storage medium include flash memory,
Hard disk, multimedia card, card-type memorizer (such as, SD or DX memorizer etc.), random access storage device
(RAM), static random-access memory (SRAM), read only memory (ROM), electrically erasable
Read only memory (EEPROM), programmable read only memory (PROM), magnetic storage, disk, light
Dish etc..And, mobile terminal 100 can be connected the storage function performing memorizer 160 with by network
Network storage device cooperation.
Controller 180 generally controls the overall operation of mobile terminal.Such as, controller 180 performs and voice
Control that call, data communication, video calling etc. are relevant and process.It addition, controller 180 can wrap
Including the multi-media module 181 for reproducing (or playback) multi-medium data, multi-media module 181 can construct
In controller 180, or it is so structured that separate with controller 180.Controller 180 can perform pattern to be known
Other places are managed, so that the handwriting input performed on the touchscreen or picture drafting input are identified as character or figure
Picture.
Power subsystem 190 receives external power or internal power under the control of controller 180 and provides behaviour
Make the suitable electric power needed for each element and assembly.
Various embodiment described herein can be to use such as computer software, hardware or its any group
The computer-readable medium closed is implemented.Implementing for hardware, embodiment described herein can pass through
Use application-specific IC (ASIC), digital signal processor (DSP), digital signal processing device
(DSPD), programmable logic device (PLD), field programmable gate array (FPGA), processor, control
Device, microcontroller, microprocessor, it is designed to perform in the electronic unit of function described herein extremely
Few one is implemented, and in some cases, such embodiment can be implemented in controller 180.Right
Implementing in software, the embodiment of such as process or function can perform at least one function or behaviour with permission
The single software module made is implemented.Software code can be by writing with any suitable programming language
Software application (or program) is implemented, and software code can be stored in memorizer 160 and by controlling
Device 180 performs.
As shown in Figure 1 mobile terminal 100 may be constructed such that and utilizes via frame or packet transmission data
The most wired and wireless communication system and satellite-based communication system operate.
The communication system being wherein operable to according to the mobile terminal of the present invention is described referring now to Fig. 2.
Such communication system can use different air interfaces and/or physical layer.Such as, by communication system
The air interface that system uses includes such as frequency division multiple access (FDMA), time division multiple acess (TDMA), CDMA
(CDMA) move lead to UMTS (UMTS) (especially, Long Term Evolution (LTE)), the whole world
Communication system (GSM) etc..As non-limiting example, explained below relates to cdma communication system, but
It is that such teaching is equally applicable to other type of system.
With reference to Fig. 2, cdma wireless communication system can include multiple mobile terminal 100, multiple base station
(BS) 270, base station controller (BSC) 275 and mobile switching centre (MSC) 280.MSC280 is configured to
Interface is formed with Public Switched Telephony Network (PSTN) 290.MSC280 is also structured to and can be via returning
Journey circuit is couple to the BSC275 of base station 270 and forms interface.If the interface that back haul link can be known according to Ganji
In any one construct, described interface includes such as E1/T1, ATM, IP, PPP, frame relay, HDSL,
ADSL or xDSL.It will be appreciated that system as shown in Figure 2 can include multiple BSC2750.
Each BS270 can service one or more subregion (or region), by multidirectional antenna or sensing certain party
To antenna cover each subregion radially away from BS270.Or, each subregion can be by for dividing
Two or more antennas that collection receives cover.Each BS270 may be constructed such that support multiple frequencies distribution,
And the distribution of each frequency has specific frequency spectrum (such as, 1.25MHz, 5MHz etc.).
Intersecting that subregion and frequency are distributed can be referred to as CDMA Channel.BS270 can also be referred to as base station
Transceiver subsystem (BTS) or other equivalent terms.In this case, term " base station " can be used
In broadly representing single BSC275 and at least one BS270.Base station can also be referred to as " cellular station ".
Or, each subregion of specific BS270 can be referred to as multiple cellular station.
In fig. 2 it is shown that several global positioning systems (GPS) satellite 300.Satellite 300 helps location many
At least one in individual mobile terminal 100.
In fig. 2, depict multiple satellite 300, it is understood that be, it is possible to use any number of defend
Star obtains useful location information.As a typical operation of wireless communication system, BS270 receive from
The reverse link signal of various mobile terminals 100.Mobile terminal 100 generally participate in call, information receiving and transmitting and
Other type of communication.Each reverse link signal that certain base station 270 receives is entered in specific BS270
Row processes.The data obtained are forwarded to the BSC275 being correlated with.BSC provides call resource distribution and includes
The mobile management function of the coordination of the soft switching process between BS270.The data that BSC275 also will receive
Being routed to MSC280, it provides the extra route service for forming interface with PSTN290.Similarly,
PSTN290 Yu MSC280 forms interface, MSC Yu BSC275 forms interface, and BSC275 is correspondingly
Control BS270 forward link signals to be sent to mobile terminal 100.
Based on above-mentioned mobile terminal hardware configuration and communication system, each embodiment of the present invention is proposed.
Owing to, in existing payment mode, user, when entering mobile payment end and paying, always uses common
Payment mode, but also need reselect, this reduces the quick of mobile payment to a certain extent
Property and motility.
To this end, the present invention proposes a solution, agility and the motility of mobile payment can be improved.
Specifically, as it is shown on figure 3, first embodiment of the invention proposes a kind of mobile payment device, including:
Acquisition module 201, matching module 202, recommending module 203 and payment module 204, wherein:
Acquisition module 201, during for asking in the payment receiving user, obtains the place of payment of user；
Matching module 202, for according to the described place of payment, the payment mode that coupling previously generates recommends row
Table；
Recommending module 203, for obtaining corresponding pushing away from the described payment mode recommendation list previously generated
Recommend payment mode and present to user；
Payment module 204, for according to user operation instruct, with obtain recommendation payment mode to described
The request of paying carries out delivery operation.
Wherein, the place of payment of user is obtained, it is simple to according to the place of payment of user to search same payment
History payment data under scene or similar payment scene, is recommended payment mode accordingly.
Specifically, user can arrange " pay and recommend " function on mobile terminals, is opening " pay and recommend "
After function, when each user carries out delivery operation, the payment behavior of record user and custom, including:
The place of payment, payment mode (AA payment mode, normal payment mode etc.), payment number of times.
In the present embodiment, the user previously according to record pays behavior and custom, generates and has payment mode to push away
Recommending list, in payment mode recommendation list, storage has the payment mode that user uses in different places,
Therefore, when recorded user and paying in same or analogous place, then judge that user runs into again
When this scene pays, the payment mode of automatic recommendation record is to user.
Described matching module 202, is additionally operable to obtain the type in the described place of payment, according to the described place of payment
Search the payment mode recommendation list previously generated, it may be judged whether there is the type phase with the described place of payment
The recommendation payment mode of coupling；The most then the match is successful, recommends from the described payment mode previously generated
The recommendation payment mode obtaining correspondence in list presents to user, and otherwise, it fails to match, to give tacit consent to payment
Pattern is presented to user and is selected, so that described payment request is carried out delivery operation.
When the payment receiving user is asked, obtain the place of payment and the type in the place of payment of user.
Wherein, obtain the type in the place of payment of user and the place of payment and can use following scheme:
Acquisition module 201, obtains the place of payment of user by GPS location；
Then, matching module 202, according to the place of payment of the described user obtained, search the map preset
Information, obtains the Business Information in the described place of payment；
Finally, determine the type in the described place of payment according to the Business Information in the described place of payment, described
The type paying place at least includes food and drink, market, supermarket.
Additionally, as another kind of implementation, it is also possible to by the way of bluetooth, WIFI coupling, obtain
The Business Information in the place of payment that user is current.
Wherein, it is also possible to by the way of bluetooth, WIFI coupling, by paid place current for the user obtained
The Business Information of point mates with the Business Information of the history payment record preserved on user terminal, to obtain
Take corresponding payment mode.
After the type in the place of payment and the place of payment that get user, according to the described place of payment with
And the type in the place of payment, the coupling payment mode recommendation list that previously generates, previously generate from described
The recommendation payment mode obtaining correspondence in payment mode recommendation list presents to user.
Specifically, matching module 202 obtains the type in the described place of payment, looks into according to the described place of payment
Look for the payment mode recommendation list previously generated, it may be judged whether there is the type phase with the described place of payment
The recommendation payment mode joined；The most then the match is successful, recommends row from the described payment mode previously generated
The recommendation payment mode obtaining correspondence in table presents to user, and otherwise, it fails to match, can be with acquiescence
The pattern of paying is presented to user and is selected, so that described payment request is carried out delivery operation.
After the recommendation payment mode getting correspondence, user can select the payment mode of system recommendation to enter
Row delivery operation.
When implementing, terminal system can present recommendation payment interface to user, and user can recommend
Click in payment interface and confirm.After the confirmation receiving user instructs, with the recommendation payment mode obtained
Described payment request is carried out delivery operation.
The present embodiment passes through such scheme, when the payment receiving user is asked, obtains the payment of user
Place and the type in the place of payment；According to the described place of payment and the type in the place of payment, coupling is pre-
The payment mode recommendation list first generated, this payment mode recommendation list can payment behavior based on user
Generate with custom；The recommendation obtaining correspondence from the described payment mode recommendation list previously generated pays mould
Formula presents to user；Instruct according to user operation, pay request with the recommendation payment mode obtained to described
Carrying out delivery operation, thus can utilize the operating habit of user and pay custom, from trend, user pushes away
Recommend the means of payment of use, make user to pay more easily, improve the agility of mobile payment
With motility, improve the overall experience of mobile payment simultaneously.
Further, described recommending module 203 is from the described payment mode recommendation list previously generated
Obtain in the interface that corresponding recommendation payment mode presents to user, it is also possible to provide and show current payment
The options for user of place or similar place of payment payout status is clicked on；Then, refer to according to the click of user
Order, shows the history payout status in the current place of payment or the similar place of payment, in order to user understands currently
The history payout status in the place of payment or the similar place of payment.
Below in conjunction with concrete application scenarios, the present embodiment scheme is described in detail.
As shown in Figure 4, mobile terminal screen shows that the interface with the application icon paying recommendation function supplies
User selects, and user clicks on " pay and recommend " function choosing-item or icon.When clicking on pressing of " pay and recommend " function
After button, trigger mechanism feedback trigger message, to " pay and recommend " power function, opens " pay and recommend " function.
After opening " pay and recommend " function, when each user carries out delivery operation, the payment of record user
Behavior and custom, the history obtaining user pays behavior and custom data, including: the place of payment, payment
Venue type (diet, market, supermarket etc.), payment mode (AA payment mode, normal payment mode
Deng), pay number of times etc., as shown in Figure 5.
It is then possible to pay behavior and custom data according to the user of record, generate payment mode and recommend row
Table, in payment mode recommendation list store user uses in the place of same or similar type fix
Payment mode, as it is shown in figure 5, for the food and drink class place of payment, the payment mode that user generally uses is
AA pays, and statistics payment number of times is 3 times.
Accordingly, as a kind of way of recommendation, when, in payment record, user is in a certain place of payment type
When using identical payment mode, and when using this pattern to pay more than three times, then by this identical propping up
The pattern of paying, as recommending payment mode, is stored in payment mode recommendation list.
When user again run into this scene pay time, the payment mode of automatic recommendation record to user,
In payment process, the payment mode of payment platform recommends interface as shown in Figure 6 AA can be paid mould
Formula recommends user.
Further, prop up in the recommendation obtaining correspondence from the described payment mode recommendation list previously generated
The pattern of paying is presented in the interface of user, it is also possible to provide and show the current place of payment or similar paid place
The options for user of some payout status is clicked on；Then, according to the click commands of user, display is current to be paid
The history payout status in place or the similar place of payment, in order to user understands the current place of payment or similar
Pay the history payout status in place.
From there through such scheme, utilizing the operating habit of user and pay custom, from trend, user pushes away
Recommend the means of payment of use, make user to pay more easily, improve the agility of mobile payment
With motility, improve the overall experience of mobile payment simultaneously.
As it is shown in fig. 7, second embodiment of the invention proposes a kind of mobile payment device, based on above-mentioned Fig. 3
Shown embodiment, the present embodiment is with the difference of the embodiment shown in above-mentioned Fig. 3, and the present embodiment is also
Including the scheme generating payment mode recommendation list；
Therefore, the present embodiment device also includes:
Generation module 200, for when detecting user and carrying out delivery operation, records the payment behavior of user
And custom, the history obtaining user pays behavior and custom data；History paying bank according to described user
For with custom data genaration payment mode recommendation list.
Specifically, after opening " pay and recommend " function, when each user carries out delivery operation, record is used
The payment behavior at family and custom, the history obtaining user pays behavior and custom data, including: paid place
Select, place of payment type (diet, market, supermarket etc.), payment mode (AA payment mode, normal
Payment mode etc.), pay number of times.
It is then possible to pay behavior and custom data according to the user of record, generate payment mode and recommend row
Table, in payment mode recommendation list, storage has what user used in the place of same or similar type to fix
Payment mode, therefore, use fixing payment in the place of same or similar type when recorded user
When pattern pays, then user runs into this scene when paying again, the payment of automatic recommendation record
Pattern is to user.
More specifically, the history payment behavior of described user and custom data include the place of payment of user
Type and the means of payment that selects of user, the described history according to described user pays behavior and custom
Data genaration payment mode recommendation list includes:
The means of payment that the type in the place of payment according to user and user select, generates payment mode and pushes away
Recommend list.
Further, described payment module 204, it is additionally operable to judge whether the payment number of times of user reaches predetermined
Number of times, the most then the means of payment selected according to type and the user in the place of payment of user, generate
Payment mode recommendation list.
May be incorporated into user's history under Same Scene in the present embodiment and pay number of times as recommending to prop up
Pay pattern fixed condition really, i.e. user history pay behavior and custom data can also include user for
The payment number of times in the place of payment of same type or similar type, in the type in the place of payment according to user
And the means of payment that user selects, when generating payment mode recommendation list, first mate current paid place
Point and the type in place, if coupling, then may determine that whether the payment number of times of user reaches pre-determined number,
The means of payment the most then selected according to type and the user in the place of payment of user, selects corresponding
Recommend payment mode, generate payment mode recommendation list.
The present embodiment passes through such scheme, pays behavior according to the history of user and custom generates payment mode
Recommendation list, when the payment receiving user is asked, obtains the place of payment and the place of payment of user
Type；According to the described place of payment and the type in the place of payment, the payment mode that coupling generates is recommended
List, this payment mode recommendation list can payment behavior based on user and custom generation；From described pre-
The recommendation payment mode obtaining correspondence in the payment mode recommendation list first generated presents to user；According to
Family operational order, carries out delivery operation with the recommendation payment mode obtained to described payment request, thus may be used
To utilize the operating habit of user and to pay custom, the means of payment recommended from trend user, make
User can pay more easily, improves agility and the motility of mobile payment, improves simultaneously
The overall experience of mobile payment.
As shown in Figure 8, first embodiment of the invention proposes a kind of method of mobile payment, corresponding above-mentioned Fig. 3
Shown device first embodiment, the method includes:
Step S101, when the payment receiving user is asked, obtains the place of payment of user；
Wherein, the place of payment of user is obtained, it is simple to search same payment field according to the place of payment of user
History payment data under scape or similar payment scene, is recommended payment mode accordingly.
Specifically, user can arrange " pay and recommend " function on mobile terminals, is opening " pay and recommend "
After function, when each user carries out delivery operation, the payment behavior of record user and custom, including:
The place of payment, place of payment type (diet, market, supermarket etc.), payment mode (AA payment mode,
Normal payment mode etc.), pay number of times.
In the present embodiment, the user previously according to record pays behavior and custom, generates and has payment mode to push away
Recommending list, in payment mode recommendation list, storage has user to use admittedly in the place of same or similar type
Fixed payment mode, therefore, fixing when recorded that user uses in the place of same or similar type
When payment mode pays, then user runs into this scene when paying again, automatic recommendation record
Payment mode is to user.
When the payment receiving user is asked, obtain the place of payment and the type in the place of payment of user.
Wherein, obtain the type in the place of payment of user and the place of payment and can use following scheme:
The place of payment of user is obtained by GPS location；
Then, according to the place of payment of the described user obtained, search the cartographic information preset, obtain institute
State the Business Information in the place of payment；
Finally, determine the type in the described place of payment according to the Business Information in the described place of payment, described
The type paying place at least includes food and drink, market, supermarket.
Additionally, as another kind of implementation, it is also possible to by the way of bluetooth, WIFI coupling, obtain
The Business Information in the place of payment that user is current.
Wherein, it is also possible to by the way of bluetooth, WIFI coupling, by paid place current for the user obtained
The Business Information of point mates with the Business Information of the history payment record preserved on user terminal, to obtain
Take corresponding payment mode.
Step S102, according to the described place of payment, the payment mode recommendation list that coupling previously generates；
Step S103, the recommendation obtaining correspondence from the described payment mode recommendation list previously generated pays
Pattern presents to user；
Specifically, obtain the type in the described place of payment, previously generate according to the lookup of the described place of payment
Payment mode recommendation list, it may be judged whether the recommendation that there is the type matching with the described place of payment pays
Pattern；The most then the match is successful, obtains correspondence from the described payment mode recommendation list previously generated
Recommendation payment mode present to user, otherwise, it fails to match, can with acquiescence payment mode present to
User selects, so that described payment request is carried out delivery operation.
Step S104, instructs according to user operation, pays request with the recommendation payment mode obtained to described
Carry out delivery operation.
After the recommendation payment mode getting correspondence, user can select the payment mode of system recommendation to enter
Row delivery operation.
When implementing, terminal system can present recommendation payment interface to user, and user can recommend
Click in payment interface and confirm.After the confirmation receiving user instructs, with the recommendation payment mode obtained
Described payment request is carried out delivery operation.
The present embodiment passes through such scheme, when the payment receiving user is asked, obtains the payment of user
Place；According to the described place of payment, the payment mode recommendation list that coupling previously generates, this payment mode
Recommendation list can payment behavior based on user and custom generation；From the described payment mode previously generated
The recommendation payment mode obtaining correspondence in recommendation list presents to user；Instruct according to user operation, to obtain
The recommendation payment mode taken carries out delivery operation to described payment request, thus can utilize the operation of user
Custom and pay custom, the means of payment recommended from trend user, makes the user can be more easily
Pay, improve agility and the motility of mobile payment, improve the overall body of mobile payment simultaneously
Test.
Further, prop up in the recommendation obtaining correspondence from the described payment mode recommendation list previously generated
The pattern of paying is presented in the interface of user, it is also possible to provide and show the current place of payment or similar paid place
The options for user of some payout status is clicked on；Then, according to the click commands of user, display is current to be paid
The history payout status in place or the similar place of payment, in order to user understands the current place of payment or similar
Pay the history payout status in place.
Below in conjunction with concrete application scenarios, the present embodiment scheme is described in detail.
As shown in Figure 4, mobile terminal screen shows that the interface with the application icon paying recommendation function supplies
User selects, and user clicks on " pay and recommend " function choosing-item or icon.When clicking on pressing of " pay and recommend " function
After button, trigger mechanism feedback trigger message, to " pay and recommend " power function, is opened and " is paid and recommend " function.
After opening " pay and recommend " function, when each user carries out delivery operation, the payment of record user
Behavior and custom, the history obtaining user pays behavior and custom data, including: the place of payment, payment
Venue type (diet, market, supermarket etc.), payment mode (AA payment mode, normal payment mode
Deng), pay number of times etc., as shown in Figure 5.
It is then possible to pay behavior and custom data according to the user of record, generate payment mode and recommend row
Table, in payment mode recommendation list store user uses in the place of same or similar type fix
Payment mode, as it is shown in figure 5, for the food and drink class place of payment, the payment mode that user generally uses is
AA pays, and statistics payment number of times is 3 times.
Accordingly, as a kind of way of recommendation, when, in payment record, user is in a certain place of payment type
When using identical payment mode, and when using this pattern to pay more than three times, then by this identical propping up
The pattern of paying, as recommending payment mode, is stored in payment mode recommendation list.
When user again run into this scene pay time, the payment mode of automatic recommendation record to user,
In payment process, the payment mode recommendation interface of payment platform can be as shown in Figure 6.
Further, prop up in the recommendation obtaining correspondence from the described payment mode recommendation list previously generated
The pattern of paying is presented in the interface of user, it is also possible to provide and show the current place of payment or similar paid place
The options for user of some payout status is clicked on；Then, according to the click commands of user, display is current to be paid
The history payout status in place or the similar place of payment, in order to user understands the current place of payment or similar
Pay the history payout status in place.
From there through such scheme, utilizing the operating habit of user and pay custom, from trend, user pushes away
Recommend the means of payment of use, make user to pay more easily, improve the agility of mobile payment
With motility, improve the overall experience of mobile payment simultaneously.
As it is shown in figure 9, second embodiment of the invention proposes a kind of method of mobile payment, based on above-mentioned Fig. 8
Shown embodiment, the present embodiment is with the difference of the second embodiment shown in above-mentioned Fig. 8, this enforcement
Example also includes the scheme generating payment mode recommendation list.
Wherein, in above-mentioned steps S101: when the payment receiving user is asked, obtain the payment of user
Before place, also include:
Step S90, when detecting user and carrying out delivery operation, the payment behavior of record user and custom,
The history obtaining user pays behavior and custom data；
Step S100, pays behavior according to the history of described user and custom data genaration payment mode is recommended
List.
Specifically, after opening " pay and recommend " function, when each user carries out delivery operation, record is used
The payment behavior at family and custom, the history obtaining user pays behavior and custom data, including: paid place
Select, place of payment type (diet, market, supermarket etc.), payment mode (AA payment mode, normal
Payment mode etc.), pay number of times.
It is then possible to pay behavior and custom data according to the user of record, generate payment mode and recommend row
Table, in payment mode recommendation list, storage has what user used in the place of same or similar type to fix
Payment mode, therefore, use fixing payment in the place of same or similar type when recorded user
When pattern pays, then user runs into this scene when paying again, the payment of automatic recommendation record
Pattern is to user.
More specifically, the history payment behavior of described user and custom data include the place of payment of user
Type and the means of payment that selects of user, the described history according to described user pays behavior and custom
Data genaration payment mode recommendation list includes:
The means of payment that the type in the place of payment according to user and user select, generates payment mode and pushes away
Recommend list.
Further, it is also possible to introduce user's history under Same Scene and pay number of times as recommending to pay
The history of pattern fixed condition really, i.e. user pays behavior and custom data can also include that user is for same
The payment number of times in the place of payment of one type or similar type, the type in the place of payment according to user with
And the means of payment that user selects, when generating payment mode recommendation list, first mate the current place of payment
With the type in place, if coupling, then may determine that whether the payment number of times of user reaches pre-determined number, if
It is, then the means of payment selected according to type and the user in the place of payment of user, selects corresponding pushing away
Recommend payment mode, generate payment mode recommendation list.
The present embodiment passes through such scheme, pays behavior according to the history of user and custom generates payment mode
Recommendation list, when the payment receiving user is asked, obtains the place of payment and the place of payment of user
Type；According to the described place of payment and the type in the place of payment, the payment mode that coupling generates is recommended
List, this payment mode recommendation list can payment behavior based on user and custom generation；From described pre-
The recommendation payment mode obtaining correspondence in the payment mode recommendation list first generated presents to user；According to
Family operational order, carries out delivery operation with the recommendation payment mode obtained to described payment request, thus may be used
To utilize the operating habit of user and to pay custom, the means of payment recommended from trend user, make
User can pay more easily, improves agility and the motility of mobile payment, improves simultaneously
The overall experience of mobile payment.
It should be noted that in this article, term " includes ", " comprising " or its any other variant are intended to
Contain comprising of nonexcludability, so that include the process of a series of key element, method, article or dress
Put and not only include those key elements, but also include other key elements being not expressly set out, or also include
The key element intrinsic for this process, method, article or device.In the case of there is no more restriction,
The key element limited by statement " including ... ", it is not excluded that including the process of this key element, method, thing
Product or device there is also other identical element.
The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art is it can be understood that arrive above-mentioned
Embodiment method can add the mode of required general hardware platform by software and realize, naturally it is also possible to logical
Cross hardware, but a lot of in the case of the former is more preferably embodiment.Based on such understanding, the present invention's
The part that prior art is contributed by technical scheme the most in other words can be with the form body of software product
Revealing to come, this computer software product is stored in a storage medium (such as ROM/RAM, magnetic disc, light
Dish) in, including some instructions with so that a station terminal equipment (can be mobile phone, computer, service
Device, air-conditioner, or the network equipment etc.) perform the method described in each embodiment of the present invention.
These are only the preferred embodiments of the present invention, not thereby limit the scope of the claims of the present invention, every
Utilize equivalent structure or equivalence flow process conversion that description of the invention and accompanying drawing content made, or directly or
Connect and be used in other relevant technical fields, be the most in like manner included in the scope of patent protection of the present invention.
Claims (10)
1. a mobile payment device, it is characterised in that including:
Acquisition module, during for asking in the payment receiving user, obtains the place of payment of user；
Matching module, for according to the described place of payment, the payment mode recommendation list that coupling previously generates；
Recommending module, for obtaining the recommendation of correspondence from the described payment mode recommendation list previously generated
Payment mode presents to user；
Payment module, for according to user operation instruct, with obtain recommendation payment mode to described payment
Request carries out delivery operation.
Device the most according to claim 1, it is characterised in that
Described matching module, is additionally operable to obtain the type in the described place of payment, looks into according to the described place of payment
Look for the payment mode recommendation list previously generated, it may be judged whether there is the type phase with the described place of payment
The recommendation payment mode joined；The most then the match is successful, recommends row from the described payment mode previously generated
The recommendation payment mode obtaining correspondence in table presents to user, and otherwise, it fails to match, pays mould with acquiescence
Formula is presented to user and is selected, so that described payment request is carried out delivery operation.
Device the most according to claim 2, it is characterised in that
Described matching module, is additionally operable to the place of payment according to the described user obtained, and searches the ground preset
Figure information, obtains the Business Information in the described place of payment；Business Information according to the described place of payment determines
The type in the described place of payment.
4. according to the device described in claim 1,2 or 3, it is characterised in that described device also includes:
Generation module, for when detecting user and carrying out delivery operation, the payment behavior of record user and
Custom, the history obtaining user pays behavior and custom data；History according to described user pays behavior
With custom data genaration payment mode recommendation list.
Device the most according to claim 4, it is characterised in that
Described payment module, is additionally operable to judge whether the payment number of times of user reaches pre-determined number, if so,
The means of payment then selected according to type and the user in the place of payment of user, generates payment mode and recommends
List.
Device the most according to claim 1, it is characterised in that
Described recommending module, also provides for the current place of payment or the choosing of similar place of payment payout status
Item is clicked on for user；According to the click commands of user, show the current place of payment or the similar place of payment
History payout status.
7. a method of mobile payment, it is characterised in that including:
When the payment receiving user is asked, obtain the place of payment of user；
According to the described place of payment, the payment mode recommendation list that coupling previously generates；
The recommendation payment mode obtaining correspondence from the described payment mode recommendation list previously generated is presented to
User；
Instruct according to user operation, carry out paying behaviour to described payment request with the recommendation payment mode obtained
Make.
Method the most according to claim 7, it is characterised in that described according to the described place of payment,
The step of the payment mode recommendation list that coupling previously generates includes:
Obtain the type in the described place of payment, search the payment mode previously generated according to the described place of payment
Recommendation list, it may be judged whether there is the recommendation payment mode of type matching with the described place of payment；If
It is that then the match is successful, performs to obtain corresponding pushing away from the described payment mode recommendation list previously generated
Recommending payment mode and present to the step of user, otherwise, it fails to match, with give tacit consent to payment mode present to use
Family selects, so that described payment request is carried out delivery operation.
Method the most according to claim 8, it is characterised in that the place of payment of described acquisition user
And the step of the type in the place of payment includes:
Obtain the place of payment of user；
According to the place of payment of the described user obtained, search the cartographic information preset, obtain described payment
The Business Information in place；
Business Information according to the described place of payment determines the type in the described place of payment.
10. according to the method described in claim 7,8 or 9, it is characterised in that described receiving use
When the payment at family is asked, before the step in the place of payment obtaining user, also include:
When detecting user and carrying out delivery operation, the payment behavior of record user and custom, obtain user
History pay behavior and custom data；
History according to described user pays behavior and custom data genaration payment mode recommendation list.
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| CN201610355250.6A CN106033570A (en) | 2016-05-25 | 2016-05-25 | Mobile payment device and method |
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| CN201610355250.6A CN106033570A (en) | 2016-05-25 | 2016-05-25 | Mobile payment device and method |
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| CN107085791A (en) * | 2017-04-19 | 2017-08-22 | 深圳市金立通信设备有限公司 | A kind of electric paying method and terminal |
| CN107316194A (en) * | 2017-06-20 | 2017-11-03 | 三星电子（中国）研发中心 | It is a kind of based on positional information from the dynamic auxiliary means of payment and device |
| CN107341663A (en) * | 2017-06-20 | 2017-11-10 | 广东欧珀移动通信有限公司 | Information processing method and related product |
| CN107590654A (en) * | 2017-08-11 | 2018-01-16 | 深圳市金立通信设备有限公司 | A kind of method of on-line payment, terminal and computer-readable medium |
| CN108171517A (en) * | 2018-01-24 | 2018-06-15 | 阿里巴巴集团控股有限公司 | A kind of method of payment, server and system |
| CN108734460A (en) * | 2018-04-02 | 2018-11-02 | 阿里巴巴集团控股有限公司 | A kind of means of payment recommends method, apparatus and equipment |
| CN109858900A (en) * | 2019-01-21 | 2019-06-07 | 中国平安财产保险股份有限公司 | A kind of payment information method for pushing, device and terminal device |
| CN109961277A (en) * | 2017-12-22 | 2019-07-02 | 北京三快在线科技有限公司 | Payment flow determines method, apparatus and electronic equipment |
| WO2020024769A1 (en) * | 2018-07-31 | 2020-02-06 | 京东数字科技控股有限公司 | Payment mode recommendation method and device, and medium |
| WO2020048240A1 (en) * | 2018-09-04 | 2020-03-12 | 阿里巴巴集团控股有限公司 | Service recommendation method and apparatus, and electronic device and readable storage medium |
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| CN111932238A (en) * | 2020-07-27 | 2020-11-13 | 中国工商银行股份有限公司 | Payment account recommendation method and device and electronic equipment |
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| CN107085791A (en) * | 2017-04-19 | 2017-08-22 | 深圳市金立通信设备有限公司 | A kind of electric paying method and terminal |
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| CN109858900A (en) * | 2019-01-21 | 2019-06-07 | 中国平安财产保险股份有限公司 | A kind of payment information method for pushing, device and terminal device |
| CN111144874A (en) * | 2019-12-20 | 2020-05-12 | 支付宝实验室(新加坡)有限公司 | Payment mode recommendation method, device and equipment |
| CN111144874B (en) * | 2019-12-20 | 2023-09-26 | 支付宝实验室(新加坡)有限公司 | Payment mode recommendation method, device and equipment |
| CN111932238A (en) * | 2020-07-27 | 2020-11-13 | 中国工商银行股份有限公司 | Payment account recommendation method and device and electronic equipment |
| CN111932238B (en) * | 2020-07-27 | 2024-03-22 | 中国工商银行股份有限公司 | Payment account recommendation method and device and electronic equipment |
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Application publication date: 20161019 |