CN111523871A - Payment processing method and electronic equipment - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
- G06Q20/145—Payments according to the detected use or quantity
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Abstract
The invention provides a payment processing method and electronic equipment, wherein the method comprises the following steps: displaying a transaction interface, and acquiring balance of a first payment account associated with the transaction interface, wherein the transaction interface displays amount to be paid; under the condition that the balance of the first payment account is smaller than the amount to be paid, judging whether a target payment account with a balance larger than or equal to the amount to be paid exists in the rest N payment accounts except the first payment account and associated with the transaction interface, wherein N is a positive integer; and displaying target payment information under the condition that the target payment account exists in the N payment accounts, wherein the target payment information is used for representing the target payment account. The invention can reduce invalid payment operations, such as skipping a payment interface, receiving a payment password input by a user, reducing operations of canceling payment, reselecting a payment account to initiate payment and the like, and further can simplify the operation of completing payment.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a payment processing method and electronic equipment.
Background
With the rapid development of internet technology, mobile payment is gradually popularized, and means of mobile payment are more and more, such as payment of various bank accounts or payment of various third-party platform accounts.
In daily life, for an application platform related to payment, such as a shopping platform, a taxi-taking platform or a shared vehicle platform, a user generally associates or binds a plurality of payment accounts, and when payment is needed, the user can randomly select one payment account from the bound payment accounts to pay. When a user selects one payment account to pay in a transaction interface, the user jumps to the payment interface corresponding to the payment account and then pays through a payment password input by the user, but when the balance of the payment account is not enough to pay, namely less than the amount to be paid, the user must input the payment to cancel the payment, and then the user inputs the payment interface to reselect another payment account to initiate the payment, so that the operation of completing the payment is complex.
Disclosure of Invention
The embodiment of the invention provides an image processing method and electronic equipment, which can solve the problem that in the prior art, the operation is complicated when payment is completed.
In order to solve the technical problem, the invention is realized as follows:
in a first aspect, an embodiment of the present invention provides a payment processing method, including:
displaying a transaction interface, and acquiring balance of a first payment account associated with the transaction interface, wherein the transaction interface displays amount to be paid;
under the condition that the balance of the first payment account is smaller than the amount to be paid, judging whether a target payment account with a balance larger than or equal to the amount to be paid exists in the rest N payment accounts except the first payment account and associated with the transaction interface, wherein N is a positive integer;
and displaying target payment information under the condition that the target payment account exists in the N payment accounts, wherein the target payment information is used for representing the target payment account.
In a second aspect, an embodiment of the present invention further provides an electronic device, including:
the system comprises a first acquisition module, a second acquisition module and a payment processing module, wherein the first acquisition module is used for displaying a transaction interface and acquiring the balance of a first payment account associated with the transaction interface, and the transaction interface displays the amount to be paid;
the judging module is used for judging whether a target payment account with the balance being larger than or equal to the amount to be paid exists in the rest N payment accounts except the first payment account and associated with the transaction interface or not under the condition that the balance of the first payment account is smaller than the amount to be paid, wherein N is a positive integer;
a first display module, configured to display target payment information when the target payment account exists in the N payment accounts, where the target payment information is used to represent the target payment account.
In a third aspect, an embodiment of the present invention further provides an electronic device, which includes a processor, a memory, and a computer program stored on the memory and executable on the processor, where the computer program, when executed by the processor, implements the steps of the payment processing method described above.
In a fourth aspect, the embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when executed by a processor, the computer program implements the steps of the payment processing method described above.
In the embodiment of the invention, before the user pays, whether the balance of the first payment account associated with the transaction interface is less than the amount to be paid or not can be known, and under the condition that the balance of the first payment account is less than the amount to be paid, the payment account which is associated with the transaction interface and has the balance more than or equal to the amount to be paid can be directly displayed to the user, so that invalid payment operations can be reduced, such as skipping the payment interface, receiving a payment password input by the user, reducing operations of canceling payment and reselecting the payment account to initiate payment, and the like, and further the operation of completing payment can be simplified.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without inventive exercise.
FIG. 1 is a flow chart of a payment processing method provided by an embodiment of the invention;
FIG. 2 is an exemplary diagram of a payment processing method provided by an embodiment of the invention;
fig. 3 is a second exemplary diagram of a payment processing method according to an embodiment of the present invention;
fig. 4 is a third exemplary diagram of a payment processing method according to an embodiment of the present invention;
fig. 5 is a fourth example of a payment processing method provided in the embodiment of the present invention;
FIG. 6 is a block diagram of an electronic device provided in accordance with an embodiment of the present invention;
fig. 7 is a block diagram of an electronic device according to another embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, fig. 1 is a flowchart of a payment processing method according to an embodiment of the present invention. The payment processing method provided by the embodiment of the invention can be applied to various electronic devices such as Mobile phones, Tablet Personal computers (Tablet Personal computers), Laptop computers (Laptop computers), Personal digital assistants (Personal digital assistants, Personal digital assistants for short), Mobile Internet Devices (MIDs) or Wearable devices (Wearable devices).
The payment processing method provided by the embodiment of the invention can be applied to various payment scenes such as an online shopping scene, an online taxi-taking scene or an online code-scanning payment scene.
As shown in fig. 1, a payment processing method provided in an embodiment of the present invention may include the following steps:
In an embodiment of the present invention, the transaction interface may be used to display information related to a transaction, where the information related to the transaction may include, but is not limited to, information of a transaction item, information of a party of a transaction opposite, information of a transaction amount such as an amount to be paid, and payment information such as a payment account. The transaction interface described above may also be referred to as a to-be-paid interface.
The amount to be paid displayed in the transaction interface may be the amount required to be paid by the user and displayed in the transaction interface.
The first payment account may be a payment account associated with the transaction interface and having been selected by default or manually by the user for payment. Specifically, the first payment account may be a bank account or a third party payment platform account.
The above-mentioned obtaining the balance of the first payment account associated with the transaction interface may be: obtaining a first payment account associated with the transaction interface, and obtaining a balance of the first payment account.
In an embodiment of the present invention, the step 102 may specifically include:
under the condition that the balance of the first payment account is smaller than the amount to be paid, acquiring the balance of each of the rest N payment accounts except the first payment account and associated with the transaction interface;
and judging whether a target payment account with the balance being larger than or equal to the amount to be paid exists in the rest N payment accounts except the first payment account and associated with the transaction interface.
The N payment accounts may include, but are not limited to: bank account, third party payment platform account.
In the remaining N payment accounts, except for the first payment account, associated with the transaction interface, there may be only one target payment account whose balance is greater than or equal to the amount to be paid, or there may be a plurality of target payment accounts whose balances are greater than or equal to the amount to be paid, that is, the number of the target payment accounts may be one or a plurality of.
In the embodiment of the present invention, when the number of the target payment accounts is multiple, the target payment information may be used to represent multiple target payment accounts.
When the target payment information is used for representing a plurality of target payment accounts, the arrangement sequence of the plurality of target payment accounts can be randomly determined or determined according to the payment habits of the user. Specifically, when the arrangement order of the plurality of target payment accounts represented by the target payment information is determined according to the payment habits of the user, the payment account with the highest use frequency of the user may be arranged in the first place, and the payment account with the lowest use frequency of the user may be arranged in the last place. The above representation may also be understood as a display.
It should be noted that, after the target payment information is displayed, the user may enter the payment interface of the target payment account by clicking the target payment account indicated by the target payment information, so as to complete payment.
In addition, in some optional embodiments, in a case that the target payment account exists in the N payment accounts, in addition to displaying the target payment information, a second prompt message may be displayed, where the second prompt message may be used to prompt the user that the balance of the first payment account is less than the amount to be paid.
In the embodiment of the invention, before the user pays, whether the balance of the first payment account associated with the transaction interface is less than the amount to be paid or not can be known, and under the condition that the balance of the first payment account is less than the amount to be paid, the payment account which is associated with the transaction interface and has the balance more than or equal to the amount to be paid can be directly displayed to the user, so that invalid payment operations, such as skipping the payment interface, receiving a payment password input by the user, canceling payment and reselecting the payment account to initiate payment, can be reduced, and further, the operation of completing payment can be simplified.
Optionally, the displaying the transaction interface and acquiring the balance of the first payment account associated with the transaction interface includes:
displaying a transaction interface, and acquiring the balance of a first payment account associated with the transaction interface under the condition that the balance acquisition authority of the first payment account is in an open state.
In the embodiment of the present invention, the balance obtaining authority of the first payment account may refer to an authority of obtaining a balance of the first payment account. Specifically, when the balance obtaining authority is in an open state, the balance of the first payment account is allowed to be obtained, that is, the balance of the first payment account can be obtained, and when the balance obtaining authority is closed, the balance of the first payment account cannot be obtained, that is, the balance of the first payment account cannot be obtained.
The opening or closing of the balance acquisition authority of the first payment account can be automatically set through a system or can be set through input of a user. Specifically, when the balance obtaining authority of the first payment account is set through input of the user, the balance obtaining authority can be bound with the screen locking password or the fingerprint of the user, so that the balance obtaining authority can be successfully opened or closed only by inputting the correct screen locking password or the correct fingerprint of the user, and the safety of the payment account can be improved.
The balance of the first payment account is acquired only under the condition that the balance acquisition authority of the first payment account associated with the transaction interface is in an open state, so that the safety of the payment account can be further improved.
Optionally, after determining whether there is a target payment account with a balance greater than or equal to the amount to be paid in the remaining N payment accounts except the first payment account associated with the transaction interface when the balance of the first payment account is less than the amount to be paid, the method further includes:
and under the condition that the target payment account does not exist in the N payment accounts, displaying overdraft payment account information, wherein the overdraft payment account information is used for representing at least one overdraft payment account.
In the embodiment of the present invention, the overdraft payment account may also be referred to as a credit payment account. The overdraft payment account may be used to provide credit consumption services for the user, that is, the overdraft payment account may be used to advance the amount to be paid for the user.
When the overdraft payment account information is used for representing a plurality of overdraft payment accounts, the arrangement sequence of the plurality of overdraft payment accounts can be randomly determined or can be determined according to the payment habits of the user.
It should be noted that after the overdraft payment account information is displayed, the user may enter the payment interface of the overdraft payment account by clicking the overdraft payment account indicated by the overdraft payment account information, and then complete the payment.
Additionally, in some optional embodiments, in the absence of the target payment account from the N payment accounts, in addition to displaying overdraft-type payment account information, at least one of: a third prompt message, a first cancel transaction control; the third prompt message may be used to prompt that balances of the payment accounts associated with the transaction interface of the user are all smaller than the amount to be paid, and the first cancel transaction control may be used to cancel the transaction when a click input of the user for the cancel transaction control is received.
Because the overdraft payment account information is displayed under the condition that the target payment account does not exist in the N payment accounts, and the overdraft payment account information is used for representing one or more overdraft payment accounts, when the balance of each payment account associated with the transaction interface is not enough to pay the amount to be paid, an executable payment scheme can still be provided for the user, so that the user can complete the payment without recharging the payment account associated with the transaction interface, namely the recharging operation can be further reduced, the operation of completing the payment can be further simplified, and the successful probability of the payment can be further improved.
Optionally, after determining whether there is a target payment account with a balance greater than or equal to the amount to be paid in the remaining N payment accounts except the first payment account associated with the transaction interface when the balance of the first payment account is less than the amount to be paid, the method further includes:
determining T payment account groups in the absence of the target payment account from the N payment accounts, wherein T is a positive integer, each payment account group in the T payment account groups comprises at least two payment accounts associated with the transaction interface, and the sum of the balances of all payment accounts in each payment account group is greater than or equal to the amount to be paid;
displaying payment combination information representing at least one of the T payment account groups.
In an embodiment of the present invention, that each payment account group includes at least two payment accounts associated with the transaction interface may be understood as: each payment account group includes at least two payment accounts, and each payment account in each payment account group is associated with the transaction interface. The at least two may be two or more.
To facilitate understanding of the sum of the balances of all payment accounts in each of the above payment account groups, the following is exemplified here: assuming that the T payment account groups include a payment account group including a payment account a, a payment account B, and a payment account C, the sum of the balances of all payment accounts in each of the payment account groups may refer to: the balance of the payment account A, the balance of the payment account B and the balance of the payment account C.
It should be noted that after the payment combination information is displayed, the user may enter a corresponding payment interface of a payment account group by clicking a certain payment account group indicated by the displayed payment combination information, so as to complete payment.
Additionally, in some alternative embodiments, in addition to displaying the payment combination information, at least one of the following may be displayed: a fourth prompt message and a second cancel transaction control; the fourth prompt message may be used to prompt that balances of the payment accounts associated with the transaction interface of the user are all smaller than the amount to be paid, and the second transaction cancellation control may be used to cancel the transaction when a click input of the user for the transaction cancellation control is received.
Under the condition that the target payment account does not exist in the N payment accounts, T payment account groups can be determined, and payment combination information is displayed, wherein the payment combination information is used for representing at least one payment account group in the T payment account groups, so that when the balance of each payment account associated with the transaction interface is insufficient to pay the amount to be paid, an executable payment scheme can still be provided for the user, and the flexibility and the practicability can be improved.
Optionally, after determining whether there is a target payment account with a balance greater than or equal to the amount to be paid in the remaining N payment accounts except the first payment account associated with the transaction interface when the balance of the first payment account is less than the amount to be paid, the method further includes:
under the condition that the target payment account does not exist in the N payment accounts, acquiring characteristic information of a first commodity associated with the transaction interface;
determining a target commodity corresponding to the first commodity based on the feature information and the balance of the first payment account;
and displaying target commodity information, wherein the target commodity information is used for representing the target commodity.
In an embodiment of the present invention, the first commodity associated with the transaction interface may be a commodity to be transacted displayed by the transaction interface. The characteristic information of the first commodity may be a name of the first commodity, a product code, or a shape, a structure, a color, and the like of the first commodity.
The determining of the target product corresponding to the first product based on the feature information and the balance of the first payment account may specifically be determining the target product which is matched with the feature information and has a price less than or equal to the amount of money of the first payment account based on the feature information and the balance of the first payment account. Here, the matching may be the same or similar.
After the target product information is displayed, the user may enter the purchase interface of the target product by clicking the target product indicated by the target product information.
In addition, in some alternative embodiments, in addition to displaying the target commodity information, at least one of the following may be displayed: a fifth prompt message and a third cancel transaction control; the fifth prompt message may be used to prompt that balances of the payment accounts associated with the transaction interface of the user are all smaller than the amount to be paid, and the third transaction cancellation control may be used to cancel the transaction when a click input of the user for the transaction cancellation control is received.
Under the condition that the target payment account does not exist in the N payment accounts, the characteristic information of the first commodity associated with the transaction interface can be acquired, the target commodity corresponding to the first commodity is determined based on the characteristic information and the balance of the first payment account, and the target commodity information is displayed and used for representing the target commodity, so that when the balance of each payment account associated with the transaction interface is insufficient to pay the amount to be paid, an executable transaction scheme can still be provided for a user, and the flexibility and the practicability can be improved.
Optionally, before displaying the transaction interface and acquiring the balance of the first payment account associated with the transaction interface, the method further includes:
determining a payment account to be recharged under the condition that the payment account to be recharged has a balance smaller than a preset value in all payment accounts associated with an application program to which the transaction interface belongs;
and recharging the payment account to be recharged by using a preset recharging account, or displaying a first prompt message, wherein the first prompt message is used for prompting a user to recharge the payment account to be recharged.
In an embodiment of the present invention, the application program to which the transaction interface belongs may have a plurality of user interfaces, and the transaction interface may be one of the user interfaces. The above association may be understood as a binding.
The preset value can be set according to requirements, for example, 1000 yuan, 500 yuan or 5000 yuan can be set.
In all the payment accounts associated with the application program to which the transaction interface belongs, only one payment account to be recharged may exist, and a plurality of payment accounts to be recharged may also exist, where the balance of each payment account is less than a preset value. When the number of the payment accounts to be charged is multiple, the determining of the payment account to be charged may be determining multiple payment accounts to be charged.
The preset recharge account may be: and the payment account, such as a bank account, is preset by the user and is used for recharging each payment account associated with the application program to which the transaction interface belongs.
The method comprises the steps that under the condition that the payment account to be recharged, the balance of which is smaller than a preset value, exists in all payment accounts associated with an application program to which a transaction interface belongs, the payment account to be recharged is determined, the preset recharging account is used for recharging the payment account to be recharged, or a first prompt message is displayed and is used for prompting a user to recharge the payment account to be recharged, so that the balance of each payment account associated with the application program to which the transaction interface belongs can be better guaranteed to be sufficient, and the probability of successful payment can be further improved.
It should be noted that, various optional implementations described in the embodiments of the present invention may be implemented in combination with each other or implemented separately, and the embodiments of the present invention are not limited thereto.
For the convenience of understanding the embodiment of the present invention, an online shopping payment application scenario is taken as an example, and is illustrated with reference to the accompanying drawings. Referring to fig. 2 to 5, a payment processing method provided by an embodiment of the present invention may include the following steps:
Step 22, entering a to-be-paid interface, reading a currently selected payment mode and a to-be-paid amount m associated with the to-be-paid interface, wherein the to-be-paid interface is shown in fig. 3, 31 shown in fig. 3 represents the to-be-paid amount, and 32 shown in fig. 3 represents the currently selected payment mode.
Here, the interface to be paid may be understood as the above-mentioned transaction interface, the payment method may be understood as the above-mentioned payment account, and the currently selected payment method may be understood as the above-mentioned first payment account.
And step 23, executing in parallel with step 22, confirming whether the user opens the balance acquisition authority of the payment mode, executing step 24 if the user opens the balance acquisition authority of the payment mode, and ending the payment process according to a normal payment process if the user does not open the balance acquisition authority of the payment mode.
And 24, acquiring each payment mode and the balance of each payment mode.
Here, each payment method includes the currently selected payment method and all other payment methods associated with the interface to be paid except the currently selected payment method.
And step 29, completing payment by one key, clearing related data and ending.
The example aims to provide a payment processing method, so as to solve the problem that when mobile payment is carried out, the transaction needs to be cancelled when the balance is insufficient, then the relevant payment mode is recharged for payment or other payment modes are selected for payment, the processing flow is too long, and the user experience is not good.
The payment processing method in this example is improved in that:
1. the method comprises the steps of obtaining a payment mode and the amount to be paid in a payment interface, judging whether the balance is insufficient or not by combining the balance corresponding to the payment mode, giving out relevant prompts if the balance is insufficient, and simultaneously giving out recommended available payment modes or overdraft payment modes according to the balance of other payment modes and the payment habits of users.
2. On the premise of user authorization, when the balance is enough, the payment can be completed by one key without jumping the interface, and when the balance is insufficient, the transaction can be cancelled by one key.
The payment processing method in this example has the following beneficial technical effects:
1. the problem that the balance is insufficient during mobile payment, the processing flow is too long, and the user experience is not good can be solved.
2. When the balance of the selected payment mode is insufficient, the recommended available payment mode can be given according to the balance of other payment modes and the payment habit of the user, if the balance of each payment mode is insufficient, overdraft payment means can be recommended according to the amount, meanwhile, the functions of one-key payment and one-key transaction cancellation can be realized, and the operation convenience is improved.
Referring to fig. 6, fig. 6 is a block diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 6, the electronic device 600 includes:
a first obtaining module 601, configured to display a transaction interface, and obtain a balance of a first payment account associated with the transaction interface, where the transaction interface displays an amount to be paid;
a determining module 602, configured to determine, when the balance of the first payment account is less than the amount to be paid, whether a target payment account with a balance greater than or equal to the amount to be paid exists in N payment accounts other than the first payment account and associated with the transaction interface, where N is a positive integer;
a first display module 603, configured to display target payment information when the target payment account exists in the N payment accounts, where the target payment information is used to represent the target payment account.
Optionally, the electronic device 600 further includes:
a second display module, configured to display overdraft payment account information when the target payment account does not exist in the N payment accounts, where the overdraft payment account information is used to represent at least one overdraft payment account.
Optionally, the electronic device 600 further includes:
a first determining module, configured to determine T payment account groups in a case that the target payment account does not exist in the N payment accounts, where T is a positive integer, each payment account group in the T payment account groups includes at least two payment accounts associated with the transaction interface, and a sum of balances of all payment accounts in each payment account group is greater than or equal to the amount to be paid;
and a third display module, configured to display payment combination information, where the payment combination information is used to represent at least one payment account group of the T payment account groups.
Optionally, the electronic device 600 further includes:
the second obtaining module is used for obtaining the characteristic information of the first commodity associated with the transaction interface under the condition that the target payment account does not exist in the N payment accounts;
a second determining module, configured to determine, based on the feature information and a balance of the first payment account, a target product corresponding to the first product;
and the fourth display module is used for displaying target commodity information, and the target commodity information is used for representing the target commodity.
Optionally, the electronic device 600 further includes:
the third determining module is used for determining the payment account to be recharged under the condition that the payment account to be recharged, of which the balance is smaller than a preset value, exists in all the payment accounts associated with the application program to which the transaction interface belongs;
and the processing module is used for charging the payment account to be charged by using a preset charging account, or displaying a first prompt message, wherein the first prompt message is used for reminding a user of charging the payment account to be charged.
Optionally, the first obtaining module 601 is configured to:
displaying a transaction interface, and acquiring the balance of a first payment account associated with the transaction interface under the condition that the balance acquisition authority of the first payment account is in an open state.
The electronic device 600 can implement each process implemented by the electronic device in the method embodiments of fig. 1 to fig. 5, and details are not repeated here to avoid repetition.
According to the electronic device 600 of the embodiment of the invention, before the user pays, whether the balance of the first payment account associated with the transaction interface is less than the amount to be paid or not can be known, and under the condition that the balance of the first payment account is less than the amount to be paid, the payment account associated with the transaction interface and having a balance greater than or equal to the amount to be paid can be directly displayed to the user, so that invalid payment operations, such as skipping the payment interface, receiving a payment password input by the user, canceling payment and reselecting the payment account to initiate payment, can be reduced, and further, the operation for completing payment can be simplified.
Fig. 7 is a schematic diagram of a hardware structure of an electronic device 700 for implementing various embodiments of the present invention, where the electronic device 700 includes but is not limited to: a radio frequency unit 701, a network module 702, an audio output unit 703, an input unit 704, a sensor 705, a display unit 706, a user input unit 707, an interface unit 708, a memory 709, a processor 710, a power supply 711, and the like. Those skilled in the art will appreciate that the electronic device configuration shown in fig. 7 does not constitute a limitation of the electronic device, and that the electronic device may include more or fewer components than shown, or some components may be combined, or a different arrangement of components. In the embodiment of the present invention, the electronic device includes, but is not limited to, a mobile phone, a tablet computer, a notebook computer, a palm computer, a vehicle-mounted terminal, a wearable device, a pedometer, and the like.
The display unit 706 is configured to display a transaction interface, where the transaction interface displays the amount to be paid;
the processor 710 is configured to:
obtaining a balance of a first payment account associated with the transaction interface;
under the condition that the balance of the first payment account is smaller than the amount to be paid, judging whether a target payment account with a balance larger than or equal to the amount to be paid exists in the rest N payment accounts except the first payment account and associated with the transaction interface, wherein N is a positive integer;
the display unit 706 is further configured to:
and displaying target payment information under the condition that the target payment account exists in the N payment accounts, wherein the target payment information is used for representing the target payment account.
Optionally, the display unit 706 is further configured to:
and under the condition that the target payment account does not exist in the N payment accounts, displaying overdraft payment account information, wherein the overdraft payment account information is used for representing at least one overdraft payment account.
Optionally, the processor 710 is further configured to:
determining T payment account groups in the absence of the target payment account from the N payment accounts, wherein T is a positive integer, each payment account group in the T payment account groups comprises at least two payment accounts associated with the transaction interface, and the sum of the balances of all payment accounts in each payment account group is greater than or equal to the amount to be paid;
the display unit 706 is further configured to:
displaying payment combination information representing at least one of the T payment account groups.
Optionally, the processor 710 is further configured to:
under the condition that the target payment account does not exist in the N payment accounts, acquiring characteristic information of a first commodity associated with the transaction interface;
determining a target commodity corresponding to the first commodity based on the feature information and the balance of the first payment account;
the display unit 706 is further configured to:
and displaying target commodity information, wherein the target commodity information is used for representing the target commodity.
Optionally, the processor 710 is further configured to:
determining a payment account to be recharged under the condition that the payment account to be recharged has a balance smaller than a preset value in all payment accounts associated with an application program to which the transaction interface belongs;
and recharging the payment account to be recharged by using a preset recharging account, or controlling the display unit 706 to display a first prompt message, wherein the first prompt message is used for prompting a user to recharge the payment account to be recharged.
Optionally, the obtaining of the balance of the first payment account associated with the transaction interface performed by the processor 710 includes:
and under the condition that the balance acquisition authority of the first payment account associated with the transaction interface is in an open state, acquiring the balance of the first payment account.
The electronic device 700 is capable of implementing the processes implemented by the electronic device in the foregoing embodiments, and in order to avoid repetition, the details are not described here.
According to the electronic device 700 provided by the embodiment of the invention, before the user pays, the user can know whether the balance of the first payment account associated with the transaction interface is less than the amount to be paid, and under the condition that the balance of the first payment account is less than the amount to be paid, the payment account associated with the transaction interface and having a balance greater than or equal to the amount to be paid can be directly displayed to the user, so that invalid payment operations, such as skipping the payment interface, receiving a payment password input by the user, canceling payment, reselecting the payment account to initiate payment and the like, can be reduced, and further, the operation for completing payment can be simplified.
It should be understood that, in the embodiment of the present invention, the radio frequency unit 701 may be used for receiving and sending signals during a message transmission and reception process or a call process, and specifically, receives downlink data from a base station and then processes the received downlink data to the processor 710; in addition, the uplink data is transmitted to the base station. In general, radio frequency unit 701 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. In addition, the radio frequency unit 701 may also communicate with a network and other devices through a wireless communication system.
The electronic device provides wireless broadband internet access to the user via the network module 702, such as assisting the user in sending and receiving e-mails, browsing web pages, and accessing streaming media.
The audio output unit 703 may convert audio data received by the radio frequency unit 701 or the network module 702 or stored in the memory 709 into an audio signal and output as sound. Also, the audio output unit 703 may also provide audio output related to a specific function performed by the electronic apparatus 700 (e.g., a call signal reception sound, a message reception sound, etc.). The audio output unit 703 includes a speaker, a buzzer, a receiver, and the like.
The input unit 704 is used to receive audio or video signals. The input Unit 704 may include a Graphics Processing Unit (GPU) 7041 and a microphone 7042, and the Graphics processor 7041 processes 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 706. The image frames processed by the graphic processor 7041 may be stored in the memory 709 (or other storage medium) or transmitted via the radio unit 701 or the network module 702. The microphone 7042 may receive sounds and may be capable of processing such sounds into audio data. The processed audio data may be converted into a format output transmittable to a mobile communication base station via the radio frequency unit 701 in case of a phone call mode.
The electronic device 700 also includes at least one sensor 705, such as a light sensor, motion sensor, and other sensors. Specifically, the light sensor includes an ambient light sensor that can adjust the brightness of the display panel 7061 according to the brightness of ambient light, and a proximity sensor that can turn off the display panel 7061 and/or a backlight when the electronic device 700 is moved to the ear. As one type of motion sensor, an accelerometer sensor can detect the magnitude of acceleration in each direction (generally three axes), detect the magnitude and direction of gravity when stationary, and can be used to identify the posture of an electronic device (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), and vibration identification related functions (such as pedometer, tapping); the sensors 705 may also include fingerprint sensors, pressure sensors, iris sensors, molecular sensors, gyroscopes, barometers, hygrometers, thermometers, infrared sensors, etc., which are not described in detail herein.
The display unit 706 is used to display information input by the user or information provided to the user. The Display unit 706 may include a Display panel 7061, and the Display panel 7061 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 707 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic device. Specifically, the user input unit 707 includes a touch panel 7071 and other input devices 7072. The touch panel 7071, also referred to as a touch screen, may collect touch operations by a user on or near the touch panel 7071 (e.g., operations by a user on or near the touch panel 7071 using a finger, a stylus, or any other suitable object or attachment). The touch panel 7071 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 710, receives a command from the processor 710, and executes the command. In addition, the touch panel 7071 can be implemented by various types such as resistive, capacitive, infrared, and surface acoustic wave. The user input unit 707 may include other input devices 7072 in addition to the touch panel 7071. In particular, the other input devices 7072 may include, but are not limited to, a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, and a joystick, which are not described herein again.
Further, the touch panel 7071 may be overlaid on the display panel 7061, and when the touch panel 7071 detects a touch operation on or near the touch panel 7071, the touch operation is transmitted to the processor 710 to determine the type of the touch event, and then the processor 710 provides a corresponding visual output on the display panel 7061 according to the type of the touch event. Although the touch panel 7071 and the display panel 7061 are shown in fig. 7 as two separate components to implement the input and output functions of the electronic device, in some embodiments, the touch panel 7071 and the display panel 7061 may be integrated to implement the input and output functions of the electronic device, which is not limited herein.
The interface unit 708 is an interface for connecting an external device to the electronic apparatus 700. 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 708 may be used to receive input (e.g., data information, power, etc.) from an external device and transmit the received input to one or more elements within the electronic apparatus 700 or may be used to transmit data between the electronic apparatus 700 and the external device.
The memory 709 may be used to store software programs as well as various data. The memory 709 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 709 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 710 is a control center of the electronic device, connects various parts of the whole electronic device by using various interfaces and lines, performs various functions of the electronic device and processes data by running or executing software programs and/or modules stored in the memory 709 and calling data stored in the memory 709, thereby monitoring the whole electronic device. Processor 710 may include one or more processing units; preferably, the processor 710 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 processor 710.
The electronic device 700 may also include a power supply 711 (e.g., a battery) for providing power to the various components, and preferably, the power supply 711 may be logically coupled to the processor 710 via a power management system, such that functions of managing charging, discharging, and power consumption may be performed via the power management system.
In addition, the electronic device 700 includes some functional modules that are not shown, and are not described in detail herein.
Preferably, an embodiment of the present invention further provides an electronic device, which includes a processor 710, a memory 709, and a computer program stored in the memory 709 and capable of running on the processor 710, where the computer program is executed by the processor 710 to implement each process of the above payment processing method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not described here again.
The embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of the above-mentioned payment processing method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.
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.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
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 (14)
1. A payment processing method, comprising:
displaying a transaction interface, and acquiring balance of a first payment account associated with the transaction interface, wherein the transaction interface displays amount to be paid;
under the condition that the balance of the first payment account is smaller than the amount to be paid, judging whether a target payment account with a balance larger than or equal to the amount to be paid exists in the rest N payment accounts except the first payment account and associated with the transaction interface, wherein N is a positive integer;
and displaying target payment information under the condition that the target payment account exists in the N payment accounts, wherein the target payment information is used for representing the target payment account.
2. The method of claim 1, wherein after determining whether there is a target payment account with a balance greater than or equal to the amount to be paid among the remaining N payment accounts other than the first payment account associated with the transaction interface if the balance of the first payment account is less than the amount to be paid, the method further comprises:
and under the condition that the target payment account does not exist in the N payment accounts, displaying overdraft payment account information, wherein the overdraft payment account information is used for representing at least one overdraft payment account.
3. The method of claim 1, wherein after determining whether there is a target payment account with a balance greater than or equal to the amount to be paid among the remaining N payment accounts other than the first payment account associated with the transaction interface if the balance of the first payment account is less than the amount to be paid, the method further comprises:
determining T payment account groups in the absence of the target payment account from the N payment accounts, wherein T is a positive integer, each payment account group in the T payment account groups comprises at least two payment accounts associated with the transaction interface, and the sum of the balances of all payment accounts in each payment account group is greater than or equal to the amount to be paid;
displaying payment combination information representing at least one of the T payment account groups.
4. The method of claim 1, wherein after determining whether there is a target payment account with a balance greater than or equal to the amount to be paid among the remaining N payment accounts other than the first payment account associated with the transaction interface if the balance of the first payment account is less than the amount to be paid, the method further comprises:
under the condition that the target payment account does not exist in the N payment accounts, acquiring characteristic information of a first commodity associated with the transaction interface;
determining a target commodity corresponding to the first commodity based on the feature information and the balance of the first payment account;
and displaying target commodity information, wherein the target commodity information is used for representing the target commodity.
5. The method of claim 1, wherein prior to displaying the transaction interface and obtaining the balance of the first payment account associated with the transaction interface, the method further comprises:
determining a payment account to be recharged under the condition that the payment account to be recharged has a balance smaller than a preset value in all payment accounts associated with an application program to which the transaction interface belongs;
and recharging the payment account to be recharged by using a preset recharging account, or displaying a first prompt message, wherein the first prompt message is used for prompting a user to recharge the payment account to be recharged.
6. The method of claim 1, wherein displaying the transaction interface and obtaining the balance of the first payment account associated with the transaction interface comprises:
displaying a transaction interface, and acquiring the balance of a first payment account associated with the transaction interface under the condition that the balance acquisition authority of the first payment account is in an open state.
7. An electronic device, comprising:
the system comprises a first acquisition module, a second acquisition module and a payment processing module, wherein the first acquisition module is used for displaying a transaction interface and acquiring the balance of a first payment account associated with the transaction interface, and the transaction interface displays the amount to be paid;
the judging module is used for judging whether a target payment account with the balance being larger than or equal to the amount to be paid exists in the rest N payment accounts except the first payment account and associated with the transaction interface or not under the condition that the balance of the first payment account is smaller than the amount to be paid, wherein N is a positive integer;
a first display module, configured to display target payment information when the target payment account exists in the N payment accounts, where the target payment information is used to represent the target payment account.
8. The electronic device of claim 7, further comprising:
a second display module, configured to display overdraft payment account information when the target payment account does not exist in the N payment accounts, where the overdraft payment account information is used to represent at least one overdraft payment account.
9. The electronic device of claim 7, further comprising:
a first determining module, configured to determine T payment account groups in a case that the target payment account does not exist in the N payment accounts, where T is a positive integer, each payment account group in the T payment account groups includes at least two payment accounts associated with the transaction interface, and a sum of balances of all payment accounts in each payment account group is greater than or equal to the amount to be paid;
and a third display module, configured to display payment combination information, where the payment combination information is used to represent at least one payment account group of the T payment account groups.
10. The electronic device of claim 7, further comprising:
the second obtaining module is used for obtaining the characteristic information of the first commodity associated with the transaction interface under the condition that the target payment account does not exist in the N payment accounts;
a second determining module, configured to determine, based on the feature information and a balance of the first payment account, a target product corresponding to the first product;
and the fourth display module is used for displaying target commodity information, and the target commodity information is used for representing the target commodity.
11. The electronic device of claim 7, further comprising:
the third determining module is used for determining the payment account to be recharged under the condition that the payment account to be recharged, of which the balance is smaller than a preset value, exists in all the payment accounts associated with the application program to which the transaction interface belongs;
and the processing module is used for charging the payment account to be charged by using a preset charging account, or displaying a first prompt message, wherein the first prompt message is used for reminding a user of charging the payment account to be charged.
12. The electronic device of claim 7, wherein the first obtaining module is configured to:
displaying a transaction interface, and acquiring the balance of a first payment account associated with the transaction interface under the condition that the balance acquisition authority of the first payment account is in an open state.
13. An electronic device comprising a processor, a memory and a computer program stored on the memory and executable on the processor, the computer program, when executed by the processor, implementing the steps of the payment processing method of any one of claims 1 to 6.
14. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which computer program, when being executed by a processor, carries out the steps of the payment processing method according to any one of claims 1 to 6.
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