CN107958380B

CN107958380B - Payment certificate processing method, terminal and computer readable storage medium

Info

Publication number: CN107958380B
Application number: CN201711224117.8A
Authority: CN
Inventors: 王雅依; 王阳阳; 吴利红
Original assignee: Nubia Technology Co Ltd
Current assignee: Nubia Technology Co Ltd
Priority date: 2017-11-29
Filing date: 2017-11-29
Publication date: 2021-06-15
Anticipated expiration: 2037-11-29
Also published as: CN107958380A

Abstract

The invention discloses a payment certificate processing method, a terminal and a computer readable storage medium. The method comprises the following steps: scanning the payment code; after the online payment is successful, generating a payment voucher based on the payment amount; and obtaining a current payment date; determining to present a background color of a display interface corresponding to the payment credential based on a current payment date; presenting the payment credential based on the determined undertone; the payment credentials include at least a payment amount; the background color of the display interface corresponding to the payment certificate can identify the payment date. By adopting the scheme of the invention, the merchant can quickly identify the payment date, thereby greatly saving time.

Description

Payment certificate processing method, terminal and computer readable storage medium

Technical Field

The invention relates to the technical field of electronic commerce, in particular to a payment certificate processing method, a terminal and a computer readable storage medium.

Background

With the development of electronic commerce, online payment is becoming an increasingly common payment method.

On-line payment modes such as payment treasure and WeChat have become the mainstream of checkout payment in daily life. In this scenario, after the user pays the merchant, the merchant often requests to present payment credentials, and the merchant then carefully confirms the name, date, and amount of payment, which is time consuming.

Disclosure of Invention

To solve the foregoing technical problem, embodiments of the present invention provide a payment credential processing method, a terminal, and a computer-readable storage medium.

The embodiment of the invention provides a payment voucher processing method, which comprises the following steps:

scanning the payment code;

after the online payment is successful, generating a payment voucher based on the payment amount; and obtaining a current payment date;

determining to present a background color of a display interface corresponding to the payment credential based on a current payment date;

presenting the payment credential based on the determined undertone; the payment credentials include at least a payment amount; the background color of the display interface corresponding to the payment certificate can identify the payment date.

In the foregoing solution, the determining to present the background color of the display interface corresponding to the payment credential based on the current payment date includes:

determining a color value of the background color of the display interface from a color value set based on the current payment date and by combining a random algorithm; the set of color values includes at least two color values.

In the above scheme, the method further comprises:

acquiring merchant identification information corresponding to the payment code;

generating the payment voucher based on the payment amount and the merchant identification information; the payment credentials further include: the merchant identification information.

In the above scheme, the method further comprises:

judging whether the presented payment voucher is read by a merchant;

and when the judgment result represents that the presented payment voucher has been read by the merchant, deleting the payment voucher.

In the above solution, the determining whether the presented payment credential has been read by the merchant includes:

judging whether the presented payment voucher is burn-after-reading information;

and when the judgment result represents that the presented payment voucher is the burn-after-reading information, judging whether the presented payment voucher is read by the merchant.

setting a timer;

and judging whether the timer is overtime or not, and determining that the presented payment voucher is read by the merchant after the timer is overtime.

An embodiment of the present invention further provides a terminal, including:

a memory for storing a payment credential processing program;

a processor to execute a payment credential processing program in the memory to:

scanning the payment code;

In the above solution, the processor is further configured to execute the payment credential processing program in the memory to implement the following operations:

judging whether the presented payment voucher is read by a merchant;

An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, wherein the computer program is configured to implement the steps of any one of the above methods when executed by a processor.

In the technical scheme of the embodiment of the invention, the payment code is scanned; after the online payment is successful, generating a payment voucher based on the payment amount; and obtaining a current payment date; determining to present a background color of a display interface corresponding to the payment credential based on a current payment date; presenting the payment credential based on the determined undertone; the payment credentials include at least a payment amount; the background color of the display interface corresponding to the payment certificate can identify the payment date, and the merchant can quickly identify the payment date through the background color, so that the time is greatly saved.

Drawings

Fig. 1 is a schematic diagram of a hardware structure of an optional mobile terminal for implementing various embodiments of the present invention;

fig. 2 is a diagram of a communication network system architecture according to an embodiment of the present invention;

FIG. 3 is a first flowchart illustrating a payment credential processing method according to an embodiment of the present invention;

FIG. 4 is a flowchart illustrating a payment credential processing method according to an embodiment of the present invention;

FIG. 5 is a schematic structural diagram of a payment credential processing apparatus according to an embodiment of the present invention;

fig. 6 is a schematic structural diagram of a terminal according to an embodiment of the present invention.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in itself. Thus, "module", "component" or "unit" may be used mixedly.

The terminal may be implemented in various forms. For example, the terminal described in the present invention may include a mobile terminal such as a mobile phone, a tablet computer, a notebook computer, a palmtop computer, a Personal Digital Assistant (PDA), a Portable Media Player (PMP), a navigation device, a wearable device, a smart band, a pedometer, and the like, and a fixed terminal such as a Digital TV, a desktop computer, and the like.

The following description will be given by way of example of a mobile terminal, and it will be understood by those skilled in the art that the construction according to the embodiment of the present invention can be applied to a fixed type terminal, in addition to elements particularly used for mobile purposes.

Referring to fig. 1, which is a schematic diagram of a hardware structure of a mobile terminal for implementing various embodiments of the present invention, the mobile terminal 100 may include: a Radio Frequency (RF) unit 101, a WiFi module 102, an audio output unit 103, an audio/video (a/V) input unit 104, a sensor 105, a display unit 106, a user input unit 107, an interface unit 108, a memory 109, a processor 110, and a power supply 111. Those skilled in the art will appreciate that the mobile terminal architecture shown in fig. 1 is not intended to be limiting of mobile terminals, which may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.

The following describes each component of the mobile terminal in detail with reference to fig. 1:

the RF unit 101 may be configured to receive and transmit signals during information transmission and reception or during a call, and specifically, receive downlink information of a base station and then process the received downlink information to the processor 110; in addition, the uplink data is transmitted to the base station. Generally, the RF unit 101 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. Further, the RF unit 101 can also communicate with a network and other devices through wireless communication. The wireless communication may use any communication standard or protocol, including but not limited to Global System for Mobile communications (GSM), General Packet Radio Service (GPRS), Code Division Multiple Access 2000(CDMA2000, Code Division Multiple Access 2000), Wideband Code Division Multiple Access (WCDMA, Wideband Code Division Multiple Access), Time Division Synchronous Code Division Multiple Access (TD-SCDMA, Time Division-Synchronous Code Division Multiple Access), Frequency Division duplex Long Term Evolution (FDD-LTE, Frequency Division duplex Long Term Evolution), and Time Division duplex Long Term Evolution (TDD, Time Division duplex Long Term Evolution), etc.

WiFi belongs to short-distance wireless transmission technology, and the mobile terminal can help a user to receive and send e-mails, browse webpages, access streaming media and the like through the WiFi module 102, and provides wireless broadband internet access for the user. Although fig. 1 shows the WiFi module 102, it is understood that it does not belong to the essential constitution of the mobile terminal, and may be omitted entirely as needed within the scope not changing the essence of the invention.

The audio output unit 103 may convert audio data received by the RF unit 101 or the WiFi module 102 or stored in the memory 109 into an audio signal and output as sound when the mobile terminal 100 is in a call signal reception mode, a call mode, a recording mode, a voice recognition mode, a broadcast reception mode, or the like. Also, the audio output unit 103 may also provide audio output related to a specific function performed by the mobile terminal 100 (e.g., a call signal reception sound, a message reception sound, etc.). The audio output unit 103 may include a speaker, a buzzer, and the like.

The a/V input unit 104 is used to receive audio or video signals. The a/V input Unit 104 may include a Graphics Processing Unit (GPU) 1041 and a microphone 1042, the GPU 1041 Processing image data of a still picture or video obtained by an image capturing device (e.g., a camera) in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 106. The image frames processed by the GPU 1041 may be stored in the memory 109 (or other storage medium) or transmitted via the RF unit 101 or the WiFi module 102. The microphone 1042 may receive sounds (audio data) via the microphone 1042 in a phone call mode, a recording mode, a voice recognition mode, or the like, and may be capable of processing such sounds into audio data. The processed audio (voice) data may be converted into a format output transmittable to a mobile communication base station via the RF unit 101 in case of a phone call mode. The microphone 1042 may implement various types of noise cancellation (or suppression) algorithms to cancel (or suppress) noise or interference generated in the course of receiving and transmitting audio signals.

The mobile terminal 100 also includes at least one sensor 105, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor includes an ambient light sensor that can adjust the brightness of the display panel 1061 according to the brightness of ambient light, and a proximity sensor that can turn off the display panel 1061 and/or a backlight when the mobile terminal 100 is moved to the ear. As one of the motion sensors, the accelerometer sensor can detect the magnitude of acceleration in each direction (generally, three axes), can detect the magnitude and direction of gravity when stationary, and can be used for applications of recognizing the posture of a mobile phone (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer and tapping), and the like; as for other sensors such as a fingerprint sensor, a pressure sensor, an iris sensor, a molecular sensor, a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which can be configured on the mobile phone, further description is omitted here.

The display unit 106 is used to display information input by a user or information provided to the user. The Display unit 106 may include a Display panel 1061, and the Display panel 1061 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like.

The user input unit 107 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the mobile terminal. Specifically, the user input unit 107 may include a touch panel 1071 and other input devices 1072. The touch panel 1071, also referred to as a touch screen, may collect a touch operation performed by a user on or near the touch panel 1071 (e.g., an operation performed by the user on or near the touch panel 1071 using a finger, a stylus, or any other suitable object or accessory), and drive a corresponding connection device according to a predetermined program. The touch panel 1071 may include two parts of a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 110, and can receive and execute commands sent by the processor 110. In addition, the touch panel 1071 may be implemented in various types, such as a resistive type, a capacitive type, an infrared ray, and a surface acoustic wave. In addition to the touch panel 1071, the user input unit 107 may include other input devices 1072. In particular, other input devices 1072 may include, but are not limited to, one or more of a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like, and are not limited to these specific examples.

Further, the touch panel 1071 may cover the display panel 1061, and when the touch panel 1071 detects a touch operation thereon or nearby, the touch panel 1071 transmits the touch operation to the processor 110 to determine the type of the touch event, and then the processor 110 provides a corresponding visual output on the display panel 1061 according to the type of the touch event. Although the touch panel 1071 and the display panel 1061 are shown in fig. 1 as two separate components to implement the input and output functions of the mobile terminal, in some embodiments, the touch panel 1071 and the display panel 1061 may be integrated to implement the input and output functions of the mobile terminal, and is not limited herein.

The interface unit 108 serves as an interface through which at least one external device is connected to the mobile terminal 100. For example, the external device may include a wired or wireless headset port, an external power supply (or battery charger) port, a wired or wireless data port, a memory card port, a port for connecting a device having an identification module, an audio input/output (I/O) port, a video I/O port, an earphone port, and the like. The interface unit 108 may be used to receive input (e.g., data information, power, etc.) from external devices and transmit the received input to one or more elements within the mobile terminal 100 or may be used to transmit data between the mobile terminal 100 and external devices.

The memory 109 may be used to store software programs as well as various data. The memory 109 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the cellular phone, and the like. Further, the memory 109 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The processor 110 is a control center of the mobile terminal, connects various parts of the entire mobile terminal using various interfaces and lines, and performs various functions of the mobile terminal and processes data by operating or executing software programs and/or modules stored in the memory 109 and calling data stored in the memory 109, thereby performing overall monitoring of the mobile terminal. Processor 110 may include one or more processing units; preferably, the processor 110 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 110.

The mobile terminal 100 may further include a power supply 111 (e.g., a battery) for supplying power to various components, and preferably, the power supply 111 may be logically connected to the processor 110 via a power management system, so as to manage charging, discharging, and power consumption management functions via the power management system.

Although not shown in fig. 1, the mobile terminal 100 may further include a bluetooth module or the like, which is not described in detail herein.

In order to facilitate understanding of the embodiments of the present invention, a communication network system on which the mobile terminal of the present invention is based is described below.

Referring to fig. 2, fig. 2 is an architecture diagram of a communication Network system according to an embodiment of the present invention, where the communication Network system is an LTE system of a universal mobile telecommunications technology, and the LTE system includes User Equipment (UE) 201, Evolved UMTS Terrestrial Radio Access Network (E-UTRAN) 202, Evolved Packet Core Network (EPC) 203, and IP service 204 of an operator, which are in communication connection in sequence.

Specifically, the UE 201 may be the terminal 100 described above, and is not described herein again.

The E-UTRAN 202 includes eNodeB 2021 and other eNodeBs 2022, among others. Among them, the eNodeB 2021 may be connected with other eNodeB 2022 through backhaul (e.g., X2 interface), the eNodeB 2021 is connected to the EPC 203, and the eNodeB 2021 may provide the UE 201 access to the EPC 203.

The EPC 203 may include a Mobility Management Entity (MME) 2031, a Home Subscriber Server (HSS) 2032, other MMEs 2033, a Serving Gateway (SGW) 2034, a packet data network gateway (PGW, PDN gateway) 2035, and a Policy and Charging functions Entity (PCRF) 2036, and the like. The MME 2031 is a control node that handles signaling between the UE 201 and the EPC 203, and provides bearer and connection management. HSS 2032 is used to provide registers to manage functions such as home location register (not shown) and holds subscriber specific information about service characteristics, data rates, etc. All user data may be sent through SGW 2034, PGW 2035 may provide IP address assignment for UE 201 and other functions, and PCRF 2036 is a policy and charging control policy decision point for traffic data flow and IP bearer resources, which selects and provides available policy and charging control decisions for a policy and charging enforcement function (not shown).

The IP services 204 may include the internet, intranets, IMS (IP Multimedia Subsystem), or other IP services, among others.

Although the LTE system is described as an example, it should be understood by those skilled in the art that the present invention is not limited to the LTE system, but may also be applied to other wireless communication systems, such as GSM, CDMA2000, WCDMA, TD-SCDMA, and future new network systems.

Based on the above mobile terminal hardware structure and communication network system, the present invention provides various embodiments of the method.

When online payment is adopted, the merchant needs to take time to carefully check the name, the date and the payment amount of the merchant, and if the merchant is not carefully checked, the condition that a guest deceives the merchant by using a yesterday consumption screenshot occurs, so that loss is caused to the merchant.

Based on this, in various embodiments of the invention: scanning the payment code; after the online payment is successful, generating a payment certificate; determining the background color of a display interface corresponding to the payment certificate; presenting the payment credential based on the determined undertone; the payment credentials include at least a payment amount; the background color of the display interface corresponding to the payment certificate can identify the payment date.

By adopting the scheme provided by the embodiment of the invention, the merchant can accurately and quickly identify the payment date through the ground color, thereby greatly saving time, avoiding the loss of the merchant and improving the user experience.

Fig. 3 is a first flowchart of a payment credential processing method according to an embodiment of the present invention, and as shown in fig. 3, the payment credential processing method includes the following steps:

step 301: scanning the payment code;

step 302: after the online payment is successful, generating a payment voucher based on the payment amount; and obtaining a current payment date;

here, the payment credentials include at least a payment amount.

In actual application, the current payment date can be obtained through the system time built in the terminal.

In practical applications, the information of the merchant is generally displayed on the payment voucher, but the information is generally embodied in a text manner, which requires the merchant to carefully identify whether the information is the name of the merchant, takes time, and is poor in user experience.

Based on this, in some embodiments, the method may further comprise:

and correspondingly, generating the payment voucher based on the acquired merchant identification information and the payment amount.

That is, the payment credentials also include merchant identification information.

Wherein, during practical application, trade company's identification information can play striking effect, that is to say can play the effect of letting trade company discern fast, for example: pattern information identifying the merchant, such as merchant LOGO, etc.

Step 303: determining to present a background color of a display interface corresponding to the payment credential based on a current payment date;

specifically, the undertone corresponding to the payment date is determined based on a random algorithm.

More specifically, determining a color value of the background color of the display interface from a color value set based on the current payment date and combining a random algorithm; the set of color values includes at least two color values.

The color value may be an RGB value in an RGB color space, or may also be an HSV value in an HSV color space, that is, a hue (H), a saturation (S), and a value of a value (V) of a value.

Here, in actual use, the merchant has already known the ground color corresponding to the payment date in advance, and thus when the ground color corresponding to the payment date is determined, the same color as the ground color previously known by the merchant can be obtained based on a random algorithm. For example, the merchant may use a random algorithm to obtain the background color corresponding to the current day, such as blue for yesterday, red for today, and so on. The terminal can adopt the same random algorithm as the merchant to obtain the color of the ground color corresponding to the payment date. By the mode, the merchant can know the background color corresponding to each day in advance, so that the background color is used for verifying whether the background color of the display interface is the same as the known color, and if so, the payment date is the same day.

For convenience of use, during practical application, seven colors (red, orange, yellow, green, cyan, blue and purple) can be set, and the colors respectively correspond to Monday to Sunday, namely, the colors correspond to Monday to Sunday every day, so that operation of merchants is facilitated.

In addition, in order to ensure the correctness of the determined ground color, the determined ground color can be checked. Specifically, the terminal may send the generated color value to the server for verification, and after verification succeeds, it is described that the determined color value is correct. Of course, a failure of the verification indicates an error in the determined color values. In this way, it can be ensured that the benefits of the user are not lost.

Here, during practical application, the server side and the random algorithm matched with the terminal side random algorithm can determine a color value based on the current payment date, and the server matches the color value determined by the server side with the color value sent by the terminal after receiving the color value so as to verify the color value sent by the terminal.

Step 304: presenting the payment credential based on the determined undertone.

And the background color of the display interface corresponding to the payment certificate can identify the payment date.

In practical application, if one merchant has a plurality of stores, in order to prevent a user from using another store after one store is shown, different colors can be selected for different stores on the same day for the contracted merchant, and the ground color can also identify different stores of the same merchant in consideration of the distance between the stores, wherein the distance between the different stores is within a preset range (can be set as required). That is, the base color may also identify the merchant store to which the payment event corresponds.

The scheme provided by the embodiment of the invention can be applied to the following scenes: after a certain merchant pays successfully, a payment voucher page is popped up, and only 1 piece of digital information (amount of money), 1 piece of pattern information (merchant LOGO) and one background color (such as red) exist. Therefore, the merchant only needs to distinguish three items of money, LOGO and color. Therefore, the payment certificate between the user and the merchant is greatly convenient to confirm, and the time is greatly saved.

According to the scheme provided by the embodiment of the invention, the merchant only needs to identify the amount of money and can accurately and quickly identify the payment date through the ground color, so that the time is greatly saved, the loss of the merchant is avoided, and the user experience is improved.

In addition, the payment voucher further comprises merchant identification information, so that merchants can be identified quickly, time is further saved, and user experience is further improved.

Fig. 4 is a second flowchart illustrating a payment credential processing method according to an embodiment of the present invention, as shown in fig. 4, the payment credential processing method includes the following steps:

step 401: scanning the payment code;

step 402: after the online payment is successful, generating a payment voucher based on the payment amount; and obtaining a current payment date;

here, the payment credentials include at least a payment amount.

Based on this, in some embodiments, the method may further comprise:

Step 403: determining to present a background color of a display interface corresponding to the payment credential based on a current payment date;

Step 404: presenting the payment credential based on the determined undertone;

Step 405: judging whether the presented payment voucher is read by a merchant;

in an embodiment, the specific implementation of this step may include:

There are many ways to determine whether the presented payment voucher is burn-after-reading information, such as:

one way is that: signing with a merchant in advance, wherein a payment voucher generated by the signed merchant after payment is burn-after-reading information;

the other mode is as follows: all the online payment vouchers are defaulted to burn after reading;

the third mode is that: and setting a payment amount threshold (which can be set as required), wherein the payment voucher with the payment amount exceeding the set payment amount threshold is the burn-after-reading information.

Of course, in practical application, other modes can be adopted, as long as the information of burning after reading the payment voucher can be identified

In actual application, there are many ways to determine whether the presented payment credential has been read by the merchant. One implementation is:

setting a timer;

Of course, before the timer expires, the payment credential is considered unread by the merchant.

The timer duration may be set as required, for example, set to 60 s.

In practical applications, the payment credentials can be detected by various sensors, for example, after the payment credentials are presented, when the proximity of an object is detected by the sensors, the presented payment credentials are determined to be read by a merchant.

Step 406: and when the judgment result represents that the presented payment voucher has been read by the merchant, deleting the payment voucher.

Here, after the payment voucher is deleted, the payment voucher cannot be acquired again by other means, that is, the purpose of burning after reading is achieved.

In actual application, when the payment voucher is deleted, the deletion can be displayed in a flame burning mode, a paper sheet crushing mode or the like.

The scheme provided by the embodiment of the invention can be applied to the following scenes: after a certain merchant pays successfully, a payment voucher page is popped up, and the page only presents 1 digital information (amount of money), 1 pattern information (merchant LOGO) and one background color (such as red). Therefore, the merchant only needs to distinguish three items of money, LOGO and color. Therefore, the payment certificate between the user and the merchant is greatly convenient to confirm, and the time is greatly saved. Meanwhile, the pop-up window appears for only 60s, and disappears after 60 s. The simultaneous burn-after-read and color change arrangement eliminates the need for the merchant to re-confirm the date. The safety is improved, the benefits of both sides are guaranteed, the time is greatly saved, the loss of merchants is avoided, and the user experience is improved.

In addition, the presented payment credentials are deleted when they have been read by the merchant, so that the user cannot reuse the payment credentials, thereby further ensuring the benefit of the merchant.

In order to implement the method of the embodiment of the present invention, an embodiment of the present invention further provides a payment credential processing apparatus, which is disposed on a terminal, and as shown in fig. 5, the apparatus includes:

a scanning unit 51 for scanning the payment code;

the generating unit 52 is used for generating a payment voucher based on the payment amount after the online payment is successful;

a processing unit 53 for acquiring a current payment date; determining to present a background color of a display interface corresponding to the payment credential based on a current payment date; and presenting the payment credential based on the determined ground color; the payment credentials include at least a payment amount; the background color of the display interface corresponding to the payment certificate can identify the payment date.

In an embodiment, the processing unit 53 is specifically configured to:

In an embodiment, the generating unit 52 is further configured to:

generating the payment voucher based on the obtained merchant identification information and the payment amount; the payment credentials further include: the merchant identification information.

In an embodiment, the processing unit 53 is further configured to:

judging whether the presented payment voucher is read by a merchant;

In an embodiment, the processing unit 53 is specifically configured to:

In some embodiments, the processing unit 53 is specifically configured to:

setting a timer;

In practical applications, the scanning unit 51, the generating unit 52 and the processing unit 53 may be implemented by a processor in the payment credential processing device. Of course, the processor needs to run a payment credential processing program stored in memory to achieve its functionality.

It should be noted that: in the payment credential processing apparatus provided in the above embodiment, only the division of the above program modules is exemplified when performing the payment credential processing, and in practical applications, the processing distribution may be completed by different program modules according to needs, that is, the internal structure of the apparatus may be divided into different program modules to complete all or part of the above-described processing. In addition, the payment credential processing apparatus and the payment credential processing method provided in the above embodiments belong to the same concept, and specific implementation processes thereof are described in the method embodiments and are not described herein again.

Fig. 6 is a schematic structural composition diagram of a terminal according to an embodiment of the present invention, and as shown in fig. 6, the terminal includes:

a memory 61 for storing a payment credential processing program;

a processor 62 for executing the payment credential processing program in the memory to:

scanning the payment code;

In some embodiments, the processor 62 is further configured to execute the payment credential processing program in the memory to:

judging whether the presented payment voucher is read by a merchant;

setting a timer;

Of course, as shown in fig. 6, the memory 61 and the processor 62 are connected by a communication bus 63 to realize connection communication between the processor 62 and the memory 61.

It will be appreciated by those skilled in the art that the functions of the components of the terminal in the embodiments of the present invention may be understood by reference to the foregoing description of the payment credential processing method.

The technical schemes described in the embodiments of the present invention can be combined arbitrarily without conflict.

In the embodiment of the present invention, if the terminal is implemented in the form of a software functional module and sold or used as an independent product, the terminal may also be stored in a computer-readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present invention may be essentially implemented or a part contributing to the prior art may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the methods described in the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read Only Memory (ROM), a magnetic disk, or an optical disk. Thus, embodiments of the invention are not limited to any specific combination of hardware and software.

Accordingly, the embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, and the computer program, when executed by a processor, implements the steps of the method according to the embodiment of the present invention.

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.

Claims

1. A payment credential processing method, the method comprising:

scanning the payment code;

determining to present the background color of the display interface corresponding to the payment certificate based on the current payment date and the merchant store corresponding to the payment event;

presenting the payment credential based on the determined undertone; the payment credentials include at least a payment amount; the background color of the display interface corresponding to the payment certificate can identify the payment date; the background color of the display interface corresponding to the payment certificate can also identify a merchant store corresponding to the payment event.

2. The method of claim 1, wherein determining the background color for presenting the display interface corresponding to the payment credential based on the current payment date and the merchant store corresponding to the payment event comprises:

determining the color value of the background color of the display interface from the color value set based on the merchant store corresponding to the current payment date and the payment event and by combining a random algorithm; the set of color values includes at least two color values.

3. The method of claim 1, further comprising:

4. The method according to any one of claims 1 to 3, further comprising:

judging whether the presented payment voucher is read by a merchant;

5. The method of claim 4, wherein the determining whether the presented payment credential has been read by a merchant comprises:

6. The method of claim 4, wherein the determining whether the presented payment credential has been read by a merchant comprises:

setting a timer;

7. A terminal, characterized in that the terminal comprises:

a memory for storing a payment credential processing program;

scanning the payment code;

8. The terminal of claim 7, wherein the processor is further configured to execute the payment credential processing program in the memory to:

9. The terminal of claim 7 or 8, wherein the processor is further configured to execute the payment credential processing program in the memory to:

judging whether the presented payment voucher is read by a merchant;

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.