CN106651338A - Method for payment processing and terminal - Google Patents
Method for payment processing and terminal Download PDFInfo
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- CN106651338A CN106651338A CN201611076467.XA CN201611076467A CN106651338A CN 106651338 A CN106651338 A CN 106651338A CN 201611076467 A CN201611076467 A CN 201611076467A CN 106651338 A CN106651338 A CN 106651338A
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- terminal
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F9/00—Arrangements for program control, e.g. control units
- G06F9/06—Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
- G06F9/46—Multiprogramming arrangements
- G06F9/48—Program initiating; Program switching, e.g. by interrupt
- G06F9/4806—Task transfer initiation or dispatching
- G06F9/4843—Task transfer initiation or dispatching by program, e.g. task dispatcher, supervisor, operating system
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- General Business, Economics & Management (AREA)
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Abstract
The embodiment of the invention discloses a method for payment processing and a terminal, wherein the method comprises the following steps: acquiring a state of the terminal, judging whether the terminal needs to perform a payment operation currently or not according to the state of the terminal, and if so, enabling a payment function of the terminal, and performing corresponding payment operation processing indicated by the state of the terminal. With the embodiment of the invention, user's payment operations can be reduced and user experience can be enhanced.
Description
Technical field
The present invention relates to electronic technology field, more particularly to a kind of method and terminal of payment processes.
Background technology
With the continuous development of electronics and mechanics of communication, increasing people is carried out using terminal mostly in consumption and payment
Electron delivery.But at present, common electronic payment mode needs user to light terminal screen manually with activated terminals, and then hand
The dynamic payment function for opening terminal, such as user opened using physical button, virtual key or double-click Home key and pacify in terminal
The payment software of the similar apple pay product form of dress, then needs user to confirm or select the means of payment, and finally checking is used
The password of family input, such as confirms to pay using fingerprint, password or other authentication mechanisms.In practice, it has been found that whole pay
During user operating procedure is various, elapsed time is longer, operate that very not easy and user cost is higher, take time and effort.
The content of the invention
The embodiment of the present invention provides a kind of method and terminal of payment processes, can be lifted payment processes convenient and swift property and
Practicality.
In a first aspect, embodiments providing a kind of method of payment processes, the method includes：
Obtain the state of terminal；
According to the state of the terminal, judge whether the terminal currently needs to carry out delivery operation；
If so, the payment function of the terminal is then opened, the counterpart expenditure operation indicated by the state of the terminal is carried out
Process.
On the other hand, a kind of terminal is embodiments provided, the terminal includes：
Acquiring unit, for obtaining the state of terminal；
Judging unit, for according to the state of the terminal, judging whether the terminal currently needs to carry out delivery operation；
Payment unit, if the judged result for the judging unit is yes, opens the payment function of the terminal, enters
Counterpart expenditure operation indicated by the state of the row terminal is processed.
The embodiment of the present invention can pass through the state for obtaining terminal, and according to the state of the terminal, judge that the terminal is worked as
It is front whether to need to carry out delivery operation, the payment function of the terminal is if so, then opened, carry out indicated by the state of the terminal
Counterpart expenditure operation process；The current payment processes of terminal so can automatically, be intelligently recognized and be completed, user's hand is reduced
Dynamic delivery operation, improves the convenient and swift property and practicality of payment processes.
Description of the drawings
In order to be illustrated more clearly that embodiment of the present invention technical scheme, below embodiment will be described needed for be used
Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the present invention, general for this area
For logical technical staff, on the premise of not paying creative work, can be with according to these other accompanying drawings of accompanying drawings acquisition.
Fig. 1 is a kind of schematic flow sheet of payment processing method provided in an embodiment of the present invention；
Fig. 2 is a kind of image schematic diagram for paying anticipation function provided in an embodiment of the present invention；
Fig. 3 is a kind of schematic flow sheet of decision tree provided in an embodiment of the present invention；
Fig. 4 is the schematic flow sheet of another kind of payment processing method provided in an embodiment of the present invention；
Fig. 5 is a kind of structural representation of terminal provided in an embodiment of the present invention；
Fig. 6 is the structural representation of another kind of terminal provided in an embodiment of the present invention；
Fig. 7 is a kind of structural representation of acquiring unit provided in an embodiment of the present invention；
Fig. 8 is the structural representation of another kind of terminal provided in an embodiment of the present invention.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is a part of embodiment of the invention, rather than the embodiment of whole.Based on this
Embodiment in bright, the every other enforcement that those of ordinary skill in the art are obtained under the premise of creative work is not made
Example, belongs to the scope of protection of the invention.
It should be appreciated that when using in this specification and in the appended claims, term " including " and "comprising" are indicated
The presence of described feature, entirety, step, operation, element and/or component, but it is not precluded from one or more of the other feature, whole
The presence or addition of body, step, operation, element, component and/or its set.
It is also understood that mesh of the term used in this description of the invention merely for the sake of description specific embodiment
And be not intended to limit the present invention.As used in description of the invention and appended claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singulative, " one " and " being somebody's turn to do " is intended to include plural form.
It will be further appreciated that, the term "and/or" used in description of the invention and appended claims is
Refer to any combinations of one or more in the associated item listed and be possible to combination, and including these combinations.
As in this specification and in the appended claims as use, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determining " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true
It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
In implementing, the terminal described in the embodiment of the present invention including but not limited to such as has touch sensitive surface
Other of the mobile phone of (for example, touch-screen display and/or touch pad), laptop computer or tablet PC etc are just
Portable device.It is to be further understood that in certain embodiments, the equipment not portable communication device, but with touching
Touch the desktop computer of sensing surface (for example, touch-screen display and/or touch pad).
In discussion below, the terminal for including display and touch sensitive surface is described.It is, however, to be understood that
It is that terminal can include one or more of the other physical user-interface device of such as physical keyboard, mouse and/or control-rod.
Terminal supports various application programs, such as it is following in one or more：Drawing application program, demonstration application journey
Sequence, word-processing application, website create application program, disk imprinting application program, spreadsheet applications, game application
Program, telephony application, videoconference application, email application, instant messaging applications, exercise
Support application program, photo management application program, digital camera application program, digital camera application program, web-browsing application
Program, digital music player application and/or video frequency player application program.
The various application programs that can be performed in terminal can be public using at least one of such as touch sensitive surface
Physical user-interface device.Can adjust among applications and/or in corresponding application programs and/or change and touch sensitive table
The corresponding information shown in the one or more functions and terminal in face.So, the public physical structure of terminal (for example, is touched
Sensing surface) can support that there are the various application programs of user interface directly perceived and transparent for a user.
It is that the embodiment of the present invention provides a kind of schematic flow sheet of payment processing method referring to Fig. 1, it is as depicted to pay
Process side may comprise steps of：
S101, the state for obtaining terminal.
In the embodiment of the present invention, terminal can obtain the active user of user by components and parts such as sensor, timers
Behavior, in implementing, the terminal can call the components and parts such as the sensor/clock of this terminal built-in or by it is wired/
Wireless telecommunications (such as WIFI, bluetooth, 2G/4G networks) to call outside other-end in the components and parts such as sensor/clock come
The state of presently described terminal is gathered, active user's behavior that user is carried out to the terminal is that is to say.Wherein, the terminal
State (or active user's behavior) includes the positional information (i.e. the operating position of user) of the terminal, operating time (currently
System time), operation height (i.e. user picks up the height of the terminal), operation steering angle (user picks up the motion angle of the terminal
Degree, i.e., user barcode scanning pay by camera from rotine positioning be moved to scanning machine during angle change, such as by W0 change
Into W1) or the status information that operated in the terminal of other user.Exemplarily such as, by alignment sensor
(global position system GPS) gathers the operation of the terminal by height sensor gathering the operating position of the terminal
Highly, work angle of the terminal etc. state/behavioural information is gathered by angular-rate sensor or rotary angle transmitter.
The terminal can include smart mobile phone (such as Android phone, IOS mobile phones), PC, panel computer,
The internets such as palm PC, mobile internet device (MID, Mobile Internet Devices) or wearable intelligent equipment
Equipment, the embodiment of the present invention is not construed as limiting.
S102, according to the state of the terminal, judge whether the terminal currently needs to carry out delivery operation.
In the embodiment of the present invention, the terminal can judge whether the terminal currently needs according to the state of the terminal
Delivery operation is carried out, if it is determined that being currently needed for carrying out delivery operation to the terminal, then step S103 is continued executing with；Otherwise
Terminate flow process.
Wherein alternatively, the state according to the terminal, judges whether the terminal currently carries out delivery operation tool
Body includes：
According to preset payment anticipation function, judge the state of the terminal whether in default delivery operation state；
If, it is determined that the terminal is currently needed for carrying out delivery operation, continues executing with propping up for the unlatching terminal
Function is paid, the counterpart expenditure indicated by the state of the terminal is carried out and is operated the step of processing.
Used as in a kind of optional embodiment, the terminal is directly according to the state and the payment shape for prestoring of the terminal
State is contrasted, if the state of the terminal is that the pay status are identical, it is determined that the terminal is currently needed for being paid
Operation.In implementing, the terminal can directly judge the operating time in the state of the terminal and/or operating position
Setting time scope under (operating time of i.e. described terminal and/or operating position) whether in prestoring pay status and/
Or in the regional extent of setting position, if being in, it is determined that the terminal is currently needed for carrying out delivery operation.
In as another kind of optional embodiment, the terminal can be according to preset payment anticipation function to judge
The state of terminal is stated whether in default delivery operation state, if, it is determined that the terminal is currently needed for carrying out payment behaviour
Make；Otherwise, flow process is terminated.
Wherein alternatively, it is described according to preset payment anticipation function, judge the state of the terminal whether in default
Delivery operation state before, also include：
Obtain target histories payment data；
According to the target histories payment data default training pattern is learnt and trained, obtained corresponding payment
Anticipation function；
Wherein, the target histories payment data at least includes time of payment and/or location for payment.
When user carries out delivery operation using the terminal, when the terminal can record payment when each user pays
Between, location for payment and payment etc. for describing the payment information of user's delivery operation, and as historic user number
According to.Wherein, the historical use data includes first kind history payment data and Equations of The Second Kind history payment data, such as user
History routine payment data and history burst payment data.The conventional payment data may refer to user in setting cycle
The number of times for carrying out delivery operation behavior exceedes set point number, and the position of each delivery operation behavior is in the range of setting position
The operation behavior data that (positional distance is less than setpoint distance) is recorded, for example：User every morning can be 8：Before 30 or so
Toward the coffee shop near company A, breakfast shop etc. do shopping breakfast, then the behavior be defined as conventional payment behavior, corresponding behavior
Data are designated as conventional payment data；The burst payment data may refer to the delivery operation of user unexpected (irregular to follow)
Behavioral data, is that (non-setting is all in unknown position (new place, in the range of non-setting position), in the non-pay frequent phase for user
Phase) payment behavior data, for example：User have a brainwave want newly to be run a shop under attempting face afternoon tea or carried out good friend suddenly,
Please good friend go the payment behavior data such as coffee of having a drink.The terminal records the historic user number produced by each user behavior
According to so that subsequent analysis process is used.
The terminal can obtain out first kind payment data from the historical use data of this terminal record, using as mesh
Mark history payment data, for example, choose history routine payment data as target histories payment data；Then, the terminal according to
The target histories payment data (such as history routine payment data) is to the training pattern that prestores (such as multiple linear regression model)
Learnt and trained, obtained corresponding payment anticipation function, wherein the target histories payment data can include payment
Time, location for payment, payment terminal state (are paid, the means of payment (prop up by input password or barcode scanning using which kind of payment software
Pay etc.), when paying terminal height and the terminal's status information such as steering angle), (user is currently at static to pay User Status
Or motion state) etc. carry out the payment parameter/state of delivery operation behavior for describing user.It is exemplary such as, terminal profit
With the European algorithm model for prestoring M groups history routine payment data is learnt and trained, the history is routinely paid number
Transverse axis X is quantified as according to included payment parameter (such as location for payment, time of payment, payment), referring specifically to what is provided shown in Fig. 2
Pay the image schematic diagram of anticipation function, it is illustrated that the X for providing is referred to and for the time of payment to be quantified as transverse axis X, and longitudinal axis Y represents per group
User's delivery operation event, and the longitudinal axis numerical value corresponding on image per group can be able to be specifically according to European calculation with difference
Method model carries out Euclidean distance formula to M groups history routine payment data and does the redundancy process of correlation (as existed for the time of payment
Redundancy is done in setting time section and processes and location for payment is done in the range of setting position redundancy process), fitting draws correspondence
Payment anticipation function (diagram provides partial fitting data point out, and corresponding is that one group of history routinely pays number
According to), that is to say the anticipation function of conventional payment data.
Using the payment anticipation function shown in Fig. 2, the terminal is by the state band of the terminal obtained in step S101
In entering the payment anticipation function, if the state (being considered as on image as a data point) of the terminal is in described
Pay on the image curve of anticipation function, or, distance has identical input quantization parameter X institutes right with the state of the terminal
Distance between number of targets strong point that should be on the image curve of the payment anticipation function is less than or equal in default error range
When, then the terminal can consider/determine that the state of the terminal belongs to default delivery operation state, and the terminal is currently needed
Carry out delivery operation.Alternatively, the terminal can also bring the state of the terminal into the payment anticipation function, if
It is when the prediction probability for obtaining is more than or equal to predetermined probabilities threshold value, then same it is also assumed that the state of the terminal belongs to default
Delivery operation state, the terminal is currently needed for carrying out delivery operation.
Wherein alternatively, the acquisition target histories payment data is specifically included：
Historical use data is obtained, the historical use data includes first kind history payment data and Equations of The Second Kind history
Pay data；
According to preset decision Tree algorithms, first kind history payment data is selected from the historical use data, as
Target histories payment data.
The terminal can obtain first historical use data from this terminal, or the terminal can by it is wired/
The mode of wireless telecommunications obtains historical use data from outside other-end, wherein the historical use data can be included in
Multigroup payment data in setting time section.Then, the terminal can be used according to the decision Tree algorithms for prestoring from the history
First kind history payment data, such as history routine payment data are selected in user data, wherein, the decision Tree algorithms can be wrapped
Include one or more combination in following parameter：Time parameter (terminal time), location parameter (terminal location), user behavior shape
State parameter (static or motion state of user etc.) and terminal running state parameter (whether opening payment software/function), other
The parameter information for recognizing first kind delivery operation behavior.
Exemplarily, a kind of schematic flow sheet of decision tree is exemplarily provided referring specifically to Fig. 3, wherein when included
Between, place (position), User Status and whether start the decision sequence of payment function this four decision parameters and be variable and appoint
Meaning, but need after the judgement of a decision parameters, next decision parameters could be then judged, when above-mentioned four in satisfaction
After individual decision parameters all meet, the historical use data of output could be used as first kind history payment data, i.e. history routine
Payment data.Assume that existing multigroup historical use data obtains history routine payment data using decision tree as shown in Figure 3
Process be：First determine whether the time of above-mentioned historical use data whether in (cycle time of payment in preset time range
It is interior), if it is, then judging place (i.e. the position of the historical use data) in the historical use data whether in default
In position range (in location for payment region), if it is, whether continuing to judge the state of user during the generation historical use data
In preset state (as static), if it is, finally judging whether the historical use data includes the payment work(for starting terminal
Energy (such as payment software, wechat, Alipay), if it is, it is exactly that history routinely pays number to determine to the historical use data
According to；If aforementioned four arbitrarily has the result judged in judging be no, this group of historical use data will be given up, if should
Historical use data meets the above-mentioned payment function for including and starting terminal, and its excess-three not exclusively meets in judging, then will recognize
It is history burst payment data for this group of historical use data.
S103, the payment function for opening the terminal, are carried out at the counterpart expenditure operation indicated by the state of the terminal
Reason.
In the embodiment of the present invention, when the terminal determines is currently needed for carrying out delivery operation to the terminal, the end
End can automatically turn on the payment function (such as opening wechat, Alipay payment software) of this terminal, and carry out the terminal
Delivery operation indicated by state is processed.
Wherein alternatively, the payment function for opening the terminal, carries out the correspondence indicated by the state of the terminal
Before delivery operation is processed, also include：
Judge whether to meet at least one of following condition：1) operating position of the terminal pays emerging in default
In interest point position range；2) operation of the terminal is highly in the range of default payment height threshold；2) terminal
Operation steering angle is in the range of default payment angle threshold；
If meeting at least one of above-mentioned condition, the payment function for opening the terminal is performed, carried out described
The step of counterpart expenditure operation indicated by the state of terminal is processed.
The terminal can also obtain current when detecting and obtaining the state of the terminal by global position system GPS
Point of interest (Point Of Interest, POI) residing for user's (i.e. presently described terminal), the acquisition modes of POI can be logical
Cross the offline/Online Map (POI is included in map) residing for Network Capture user current location or directly obtained by network
Take the POI in preset range residing for user current location.Above-mentioned POI may refer to certain terrestrial reference, the sight spot on (electronics) map,
To the commercial undertaking (gas station, department store, supermarket, the meal that indicate government department representated by current location, all trades and professions
The Room, hotel, convenience store, hospital etc.), tourist attractions (park, public lavatory etc.), historic site showplace, means of transportation (various car
Stand, parking lot, overspeed photograph machine, speed limit sign) etc. place.
It is currently needed for carrying out delivery operation for further clearly described terminal, i.e., the state of described terminal is default payment
Mode of operation, is default delivery operation state in the state for utilizing the payment anticipation function for prestoring to determine the terminal
Afterwards, the terminal can continue to determine whether to meet at least one of following condition：Apart from the operating position of the terminal
There is POI in the range of predeterminable area, or the operating position of the terminal is in the range of POI；The operation height of the terminal
Excursion in the preset height excursion, in such as normally mobile phone is placed on pocket or pocket by user, pocket pocket position from
The height on ground is h, is scanned when user picks up mobile phone from pocket or pocket to the scanning machine of trade company, now height
By h to h1, the process that mobile phone changes from h to h1 is detected；Whether the change of the operation steering angle of the terminal is in predetermined angle
In excursion, the movement locus that such as usual user picks up mobile phone, by user oriented face angle change to mobile phone towards
The process of scanning machine, i.e. detection angles w to w1 change.If detecting the terminal (or state of the terminal) meets above-mentioned
During one or more in condition, then the terminal can automatically turn on the payment function of this terminal, or according to user input
Verify that password (such as fingerprint or numeral, iris password) is verified, the payment function of terminal is just opened after being proved to be successful, enter
Payment processes indicated by the state of the row terminal, such as shop carry out terminal after barcode scanning and complete to the payment page of user terminal
Corresponding payment processes.
The embodiment of the present invention can pass through the state for obtaining terminal, and according to the state of the terminal, judge that the terminal is worked as
It is front whether to need to carry out delivery operation, the payment function of the terminal is if so, then opened, carry out indicated by the state of the terminal
Counterpart expenditure operation process；The current payment processes of terminal so can automatically, be intelligently recognized and be completed, user's hand is reduced
Dynamic delivery operation, improves the convenient and swift property and practicality of payment processes.
Fig. 4 is referred to, is the schematic flow sheet of another kind of payment processing method of the embodiment of the present invention, the embodiment of the present invention
Methods described can apply at the ends with communications network functionality such as smart mobile phone, panel computer, intelligent wearable devices
In end, specifically can be realized by the processor of these terminals.The methods described of the embodiment of the present invention also comprises the steps.
S201, acquisition historical use data, the historical use data includes first kind history paying bank data and second
Class history payment data.
S202, according to preset decision Tree algorithms, from the historical use data select first kind history payment data,
Using as target histories payment data；Wherein, the decision Tree algorithms include time parameter, location parameter, user behavior state
One or more combination in parameter and terminal running state parameter.
S203, according to the target histories payment data default training pattern is learnt and trained, obtained correspondence
Payment anticipation function；Wherein, the target histories payment data at least includes time of payment and/or location for payment.
S204, the state for obtaining the terminal.
S205, according to the payment anticipation function, whether the state for judging the terminal is default delivery operation
State.
In the embodiment of the present invention, when terminal judges to the state for judging the terminal are for default delivery operation state
When, then continue executing with step S206 or S207；Otherwise, flow process is terminated.
S206, judge whether to meet at least one of following condition：1) operating position of the terminal is in default
Pay in the range of point of interest location；2) operation of the terminal is highly in the range of default payment height threshold；2) it is described
The operation steering angle of terminal is in the range of default payment angle threshold；
In the embodiment of the present invention, when terminal judges to meet at least one of above-mentioned condition when, then continue executing with step
S207；Otherwise, flow process is terminated.
S207, the payment function for opening the terminal, carry out the delivery operation indicated by the state of the terminal and process.
The embodiment of the present invention can pass through the state for obtaining terminal, and according to the state of the terminal, judge that the terminal is worked as
It is front whether to need to carry out delivery operation, the payment function of the terminal is if so, then opened, carry out indicated by the state of the terminal
Counterpart expenditure operation process；The current payment processes of terminal so can automatically, be intelligently recognized and be completed, user's hand is reduced
Dynamic delivery operation, improves the convenient and swift property and practicality of payment processes.
Fig. 5 is referred to, is a kind of structural representation of terminal of the embodiment of the present invention, the terminal of the embodiment of the present invention
5 can include：
Acquiring unit 30, for obtaining the state of terminal；
Judging unit 31, for according to the state of the terminal, judging whether the terminal currently needs to carry out payment behaviour
Make；
Payment unit 32, if the judged result for the judging unit 31 is yes, opens the payment work(of the terminal
Can, carry out the delivery operation indicated by the state of the terminal and process.
Implementing for the unit being related in the embodiment of the present invention refers to correlation in Fig. 1 to Fig. 4 correspondence embodiments
The description of functional unit or implementation steps, will not be described here.
The embodiment of the present invention can pass through the state for obtaining terminal, and according to the state of the terminal, judge that the terminal is worked as
It is front whether to need to carry out delivery operation, the payment function of the terminal is if so, then opened, carry out indicated by the state of the terminal
Counterpart expenditure operation process；The current payment processes of terminal so can automatically, be intelligently recognized and be completed, user's hand is reduced
Dynamic delivery operation, improves the convenient and swift property and practicality of payment processes.
It is the structural representation of another kind of terminal of the embodiment of the present invention please also refer to Fig. 6, the institute of the embodiment of the present invention
Stating terminal 5 can include：Above-mentioned acquiring unit 30, judging unit 31, payment unit 32, wherein,
The judging unit 31, specifically for according to preset payment anticipation function, judge the terminal state whether
In default delivery operation state, if, it is determined that the terminal is currently needed for carrying out delivery operation, notifies the paying bill
Unit 32 continues executing with the payment function for opening the terminal, carries out the counterpart expenditure operation indicated by the state of the terminal
The step of process.
Wherein alternatively,
The acquiring unit 30, is additionally operable to obtain target histories payment data；The terminal also includes：
Training unit 33, for according to the target histories payment data default training pattern being learnt and being instructed
Practice, obtain corresponding payment anticipation function；
Wherein, the target histories payment data at least includes time of payment and/or location for payment.
Fig. 7 is referred to, is a kind of structural representation of the acquiring unit for providing in embodiments of the present invention, wherein optional
Ground, the acquiring unit 30 is specifically included：
Subelement 301 is obtained, for obtaining historical use data, the historical use data pays including first kind history
Data and Equations of The Second Kind history payment data；
Subelement 302 is selected, for according to preset decision Tree algorithms, from the historical use data first kind being selected
History payment data, using as target histories payment data.
Wherein alternatively, the decision Tree algorithms include time parameter, location parameter, user behavior state parameter and terminal
One or more combination in running state parameter.
Wherein alternatively,
The judging unit 31, is additionally operable to judge whether to meet at least one of following condition：1) behaviour of the terminal
Make position to pay in the range of point of interest location in default；2) operation of the terminal is highly in default payment height threshold
In the range of value；2) the operation steering angle of the terminal is in the range of default payment angle threshold；If in meeting above-mentioned condition
At least one, then notify that the payment unit 32 performs the payment function for opening the terminal, carry out the terminal
The step of delivery operation indicated by state is processed.
Implementing for the unit being related in the embodiment of the present invention refers to correlation in Fig. 1 to Fig. 7 correspondence embodiments
The description of functional unit or implementation steps, will not be described here.
The embodiment of the present invention can pass through the state for obtaining terminal, and according to the state of the terminal, judge that the terminal is worked as
It is front whether to need to carry out delivery operation, the payment function of the terminal is if so, then opened, carry out indicated by the state of the terminal
Counterpart expenditure operation process；The current payment processes of terminal so can automatically, be intelligently recognized and be completed, user's hand is reduced
Dynamic delivery operation, improves the convenient and swift property and practicality of payment processes.
It is the structural representation of another kind of terminal provided in an embodiment of the present invention referring to Fig. 8.The present embodiment as depicted
In terminal can include：One or more processors 801；One or more input equipments 802, one or more output equipments
803 and memory 804.Above-mentioned processor 801, input equipment 802, output equipment 803 and memory 804 are connected by bus 805
Connect.Memory 802 is used for store instruction, and processor 801 is used to perform the instruction of the storage of memory 802.Wherein, processor 801
For：
Obtain the state of terminal；
According to the state of the terminal, judge whether the terminal currently needs to carry out delivery operation；
If so, the payment function of the terminal is then opened, the counterpart expenditure operation indicated by the state of the terminal is carried out
Process.
Further, the processor 801 specifically for：
According to preset payment anticipation function, judge the state of the terminal whether in default delivery operation state；
If, it is determined that the terminal is currently needed for carrying out delivery operation, continues executing with propping up for the unlatching terminal
Function is paid, the counterpart expenditure indicated by the state of the terminal is carried out and is operated the step of processing.
Further, it is described according to preset payment anticipation function, judge the state of the terminal whether in default
Before delivery operation state, the processor 801 is additionally operable to：
Obtain target histories payment data；
According to the target histories payment data default training pattern is learnt and trained, obtained corresponding payment
Anticipation function；
Wherein, the target histories payment data at least includes time of payment and/or location for payment.
Wherein alternatively, the acquisition history routine payment behavior, including：
Historical use data is obtained, the historical use data includes first kind history payment data and Equations of The Second Kind history
Pay data；
According to preset decision Tree algorithms, first kind history payment data is selected from the historical use data, to make
For target histories payment data.
Wherein alternatively, the decision Tree algorithms include time parameter, location parameter, user behavior state parameter and terminal
One or more combination in running state parameter.
Further, the payment function for opening the terminal, carries out the correspondence indicated by the state of the terminal
Before paying operation process, the processor 801 is additionally operable to：
Judge whether to meet at least one of following condition：1) operating position of the terminal pays emerging in default
In interest point position range；2) operation of the terminal is highly in the range of default payment height threshold；2) terminal
Operation steering angle is in the range of default payment angle threshold；
If meeting at least one of above-mentioned condition, the payment function for opening the terminal is performed, carried out described
The step of counterpart expenditure operation indicated by the state of terminal is processed.
It should be appreciated that in embodiments of the present invention, alleged processor 801 can be CPU (Central
Processing Unit, CPU), the processor can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), special IC (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other FPGAs
Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at
Reason device can also be any conventional processor etc..
Input equipment 802 can include that Trackpad, fingerprint adopt sensor (for gathering the finger print information and fingerprint of user
Directional information), microphone etc., output equipment 803 can include display (LCD etc.), loudspeaker etc..
The memory 804 can include read-only storage and random access memory, and to processor 801 provide instruction and
Data.The a part of of memory 804 can also include nonvolatile RAM.For example, memory 804 can also be deposited
The information of storage device type.
In implementing, processor 801, input equipment 802 described in the embodiment of the present invention, output equipment 803 can
The implementation described in the embodiment of the method for payment processes provided in an embodiment of the present invention is performed, the present invention is also can perform real
The implementation of the terminal described by example is applied, be will not be described here.
Those of ordinary skill in the art are it is to be appreciated that the list of each example with reference to the embodiments described herein description
Unit and algorithm steps, can with electronic hardware, computer software or the two be implemented in combination in, in order to clearly demonstrate hardware
With the interchangeability of software, according to function the composition and step of each example have been generally described in the above description.This
A little functions are performed with hardware or software mode actually, depending on the application-specific and design constraint of technical scheme.Specially
Industry technical staff can use different methods to realize described function to each specific application, but this realization is not
It is considered as beyond the scope of this invention.
Those skilled in the art can be understood that, for convenience of description and succinctly, the end of foregoing description
End and the specific work process of unit, may be referred to the corresponding process in preceding method embodiment, will not be described here.
In several embodiments provided herein, it should be understood that disclosed terminal and method, it can be passed through
Its mode is realized.For example, device embodiment described above is only schematic, for example, the division of the unit, and only
Only a kind of division of logic function, can there is other dividing mode when actually realizing, such as multiple units or component can be tied
Close or be desirably integrated into another system, or some features can be ignored, or do not perform.In addition, shown or discussed phase
Coupling or direct-coupling or communication connection between mutually can be INDIRECT COUPLING or the communication by some interfaces, device or unit
Connection, or electricity, machinery or other forms connections.
The unit as separating component explanation can be or may not be it is physically separate, it is aobvious as unit
The part for showing can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple
On NE.Some or all of unit therein can be according to the actual needs selected to realize embodiment of the present invention scheme
Purpose.
In addition, each functional unit in each embodiment of the invention can be integrated in a processing unit, it is also possible to
It is that unit is individually physically present, or two or more units are integrated in a unit.It is above-mentioned integrated
Unit both can be realized in the form of hardware, it would however also be possible to employ the form of SFU software functional unit is realized.
If the integrated unit is realized using in the form of SFU software functional unit and as independent production marketing or used
When, during a computer read/write memory medium can be stored in.Based on such understanding, technical scheme is substantially
Prior art is contributed part in other words, or all or part of the technical scheme can be in the form of software product
Embody, the computer software product is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server, or network equipment etc.) performs the complete of each embodiment methods described of the invention
Portion or part steps.And aforesaid storage medium includes：USB flash disk, portable hard drive, read-only storage (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can store journey
The medium of sequence code.
The above, the only specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, any
Those familiar with the art the invention discloses technical scope in, various equivalent modifications can be readily occurred in or replaced
Change, these modifications or replacement all should be included within the scope of the present invention.Therefore, protection scope of the present invention should be with right
The protection domain of requirement is defined.
Claims (10)
1. a kind of method of payment processes, it is characterised in that methods described includes：
Obtain the state of terminal；
According to the state of the terminal, judge whether the terminal currently needs to carry out delivery operation；
If so, the payment function of the terminal is then opened, the counterpart expenditure operation indicated by the state of the terminal is carried out and is processed.
2. the method for claim 1, it is characterised in that the state according to the terminal, judges that the terminal is worked as
It is front whether to carry out delivery operation and specifically include：
According to preset payment anticipation function, judge the state of the terminal whether in default delivery operation state；
If, it is determined that the terminal is currently needed for carrying out delivery operation, continues executing with the payment work(for opening the terminal
Can, carry out the counterpart expenditure indicated by the state of the terminal and operate the step of processing.
3. method as claimed in claim 2, it is characterised in that described according to preset payment anticipation function, judges the end
Whether the state at end also includes before default delivery operation state：
Obtain target histories payment data；
According to the target histories payment data default training pattern is learnt and trained, obtained corresponding payment and predict
Function；
Wherein, the target histories payment data at least includes time of payment and/or location for payment.
4. method as claimed in claim 3, it is characterised in that the acquisition target histories payment data is specifically included：
Historical use data is obtained, the historical use data includes that first kind history payment data and Equations of The Second Kind history pay number
According to；
According to preset decision Tree algorithms, first kind history payment data is selected from the historical use data, using as mesh
Mark history payment data.
5. the method for claim 1, it is characterised in that the payment function of the unlatching terminal, carries out the end
Before counterpart expenditure operation indicated by the state at end is processed, also include：
Judge whether to meet at least one of following condition：1) operating position of the terminal is in default payment point of interest
In position range；2) operation of the terminal is highly in the range of default payment height threshold；2) operation of the terminal
Steering angle is in the range of default payment angle threshold；
If meeting at least one of above-mentioned condition, the payment function for opening the terminal is performed, carry out the terminal
State indicated by counterpart expenditure operation process the step of.
6. a kind of terminal, it is characterised in that the terminal includes：
Acquiring unit, for obtaining the state of terminal；
Judging unit, for according to the state of the terminal, judging whether the terminal currently needs to carry out delivery operation；
Payment unit, if the judged result for the judging unit is yes, opens the payment function of the terminal, carries out institute
State the counterpart expenditure operation indicated by the state of terminal to process.
7. terminal as claimed in claim 6, it is characterised in that
The judging unit, specifically for according to preset payment anticipation function, judging the state of the terminal whether in pre-
If delivery operation state, if, it is determined that the terminal is currently needed for carrying out delivery operation, notifies that the payment unit continues
The payment function for opening the terminal is performed, the step that the counterpart expenditure operation indicated by the state of the terminal is processed is carried out
Suddenly.
8. terminal as claimed in claim 7, it is characterised in that
The acquiring unit, is additionally operable to obtain target histories payment data；The terminal also includes：
Training unit, for according to the target histories payment data default training pattern being learnt and being trained, obtains
Corresponding payment anticipation function；
Wherein, the target histories payment data at least includes time of payment and/or location for payment.
9. terminal as claimed in claim 7, it is characterised in that the acquiring unit is specifically included：
Obtain subelement, for obtaining historical use data, the historical use data include first kind history payment data and
Equations of The Second Kind history payment data；
Subelement is selected, for according to preset decision Tree algorithms, first kind history being selected from the historical use data
Data are paid, using as target histories payment data.
10. terminal as claimed in claim 6, it is characterised in that
The judging unit, is additionally operable to judge whether to meet at least one of following condition：1) operating position of the terminal
In the range of default payment point of interest location；2) operation of the terminal is highly in default payment height threshold scope
It is interior；2) the operation steering angle of the terminal is in the range of default payment angle threshold；If meeting in above-mentioned condition at least
One, then notify that the payment unit performs the payment function for opening the terminal, carry out the state indication of the terminal
The step of counterpart expenditure operation shown is processed.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611076467.XA CN106651338A (en) | 2016-11-28 | 2016-11-28 | Method for payment processing and terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611076467.XA CN106651338A (en) | 2016-11-28 | 2016-11-28 | Method for payment processing and terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106651338A true CN106651338A (en) | 2017-05-10 |
Family
ID=58814859
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611076467.XA Withdrawn CN106651338A (en) | 2016-11-28 | 2016-11-28 | Method for payment processing and terminal |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106651338A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| CN107480997A (en) * | 2017-07-17 | 2017-12-15 | 广东欧珀移动通信有限公司 | A kind of method of mobile payment, terminal and storage medium |
| CN108280641A (en) * | 2018-01-29 | 2018-07-13 | 口碑(上海)信息技术有限公司 | Method of payment based on AR technologies and device |
| CN110163319A (en) * | 2019-04-10 | 2019-08-23 | 阿里巴巴集团控股有限公司 | Bar code display method, device and equipment |
| WO2020038142A1 (en) * | 2018-08-24 | 2020-02-27 | 阿里巴巴集团控股有限公司 | Graphic code scanning method, code scanning payment method and code scanning device |
| CN112801670A (en) * | 2021-04-07 | 2021-05-14 | 支付宝(杭州)信息技术有限公司 | Risk assessment method and device for payment operation |
| CN113052579A (en) * | 2021-04-23 | 2021-06-29 | 深圳市亚飞电子商务有限公司 | Payment method and system of mobile payment platform |
| CN115239025A (en) * | 2022-09-21 | 2022-10-25 | 荣耀终端有限公司 | Payment prediction method and electronic equipment |
-
2016
- 2016-11-28 CN CN201611076467.XA patent/CN106651338A/en not_active Withdrawn
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| CN107480997A (en) * | 2017-07-17 | 2017-12-15 | 广东欧珀移动通信有限公司 | A kind of method of mobile payment, terminal and storage medium |
| CN108280641A (en) * | 2018-01-29 | 2018-07-13 | 口碑(上海)信息技术有限公司 | Method of payment based on AR technologies and device |
| CN108280641B (en) * | 2018-01-29 | 2021-01-08 | 口碑(上海)信息技术有限公司 | AR technology-based payment method and device |
| WO2020038142A1 (en) * | 2018-08-24 | 2020-02-27 | 阿里巴巴集团控股有限公司 | Graphic code scanning method, code scanning payment method and code scanning device |
| CN110163319A (en) * | 2019-04-10 | 2019-08-23 | 阿里巴巴集团控股有限公司 | Bar code display method, device and equipment |
| CN112801670A (en) * | 2021-04-07 | 2021-05-14 | 支付宝(杭州)信息技术有限公司 | Risk assessment method and device for payment operation |
| CN112801670B (en) * | 2021-04-07 | 2021-07-23 | 支付宝(杭州)信息技术有限公司 | Risk assessment method and device for payment operation |
| CN113052579A (en) * | 2021-04-23 | 2021-06-29 | 深圳市亚飞电子商务有限公司 | Payment method and system of mobile payment platform |
| CN115239025A (en) * | 2022-09-21 | 2022-10-25 | 荣耀终端有限公司 | Payment prediction method and electronic equipment |
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