CN116029719B

CN116029719B - Payment service recommendation method, electronic device and storage medium

Info

Publication number: CN116029719B
Application number: CN202210987844.4A
Authority: CN
Inventors: 万海翔; 李元栋; 刘俊丰
Original assignee: Honor Device Co Ltd
Current assignee: Honor Device Co Ltd
Priority date: 2022-08-17
Filing date: 2022-08-17
Publication date: 2023-11-14
Anticipated expiration: 2042-08-17
Also published as: CN116029719A

Abstract

The application provides a payment service recommendation method, electronic equipment and a storage medium, and relates to the field of terminals. The method comprises the following steps: acquiring a first parameter of a user, wherein the first parameter comprises first position information and/or current first moment of the user; acquiring stored payment preferences, wherein the payment preferences comprise first payment preferences respectively corresponding to users in different time periods and/or second payment preferences respectively corresponding to a plurality of different stores; predicting a payment service to be enabled according to the first parameter and the payment preference, and taking the predicted payment service as a target payment service; and displaying the icon of the target payment service in the display screen so that the user can trigger the target payment service through the icon of the target payment service. By adopting the method, the payment service meeting the user requirement can be timely recommended to the user in the electronic equipment, so that the time for starting the payment service is shortened.

Description

Payment service recommendation method, electronic device and storage medium

Technical Field

The present application relates to the field of terminals, and in particular, to a method, an electronic device, and a storage medium for recommending payment services.

Background

With the continuous development of technology, people typically pay for an application to pay when shopping in a physical store. The payment service provides the user with a variety of payment means, such as credit card payment, savings card payment, proxy payment, account balance payment, and the like.

However, the user needs to start the payment application when checking out, and enters the payment service after making a plurality of jumps in the payment application, which results in a plurality of operation steps of the user and affects the payment speed of the user. For example, the user operates the mobile phone to return to the home screen, the user clicks on the payment application a in the screen, the mobile phone enables the application a, clicks on "my" in the payment application a, jumps to "my" interface, the user clicks on "service", jumps to "service" page, the user clicks on the code scanning payment service in the payment application in the "service" page, and the application a starts the code scanning service.

Disclosure of Invention

In order to solve the technical problems, the application provides a method for recommending payment service, electronic equipment and a storage medium, which can timely recommend the payment service meeting the user requirements to the user in the electronic equipment so as to shorten the time for starting the payment service.

In a first aspect, the present application provides a method for recommending payment service, applied to an electronic device, the method comprising: acquiring a first parameter of a user, wherein the first parameter comprises first position information and/or current first moment of the user; acquiring stored payment preferences, the payment preferences including first payment preferences respectively corresponding to users during different time periods and/or second payment preferences respectively corresponding to a plurality of different stores, the first payment preferences including probabilities of payment services used by the users during the time periods; the second payment preference includes: probability of each payment service allowed by the store; predicting a payment service to be enabled according to the first parameter and the payment preference, and taking the predicted payment service as a target payment service; and displaying the icon of the target payment service in the display screen so that the user can trigger the target payment service through the icon of the target payment service.

Thus, the electronic device can be a mobile phone, a bracelet or a smart watch. The electronic equipment can acquire the first position information and/or the current first moment of the electronic equipment, and predict the payment service meeting the user requirement through the first position information and/or the first moment and the stored payment preference. The electronic equipment displays the icon of the target payment service in the display screen, so that a user can enter the interface of the target payment service only by clicking the icon of the target payment service, and the user does not need to jump to the interface of the payment service from the display interface through a plurality of steps, thereby improving the speed of enabling the payment service by the electronic equipment. In addition, the electronic equipment can determine the target payment preference through the first position information and the second payment preference corresponding to each store, and the electronic equipment can determine the target payment preference through the first payment preference at the first moment and in different time periods; when different parameters are acquired, the target payment service meeting the user needs can be determined.

According to a first aspect, the payment preferences include a first payment preference for each of the user's respective first payment preferences and a second payment preference for each of the plurality of different stores over different time periods; and the first parameter includes first location information and a first time; predicting a payment service to be enabled according to the first parameter and the payment preference, including: acquiring second position information corresponding to each store; detecting whether stores matched with the first position information exist according to the first position information and each second position information; if the stores matched with the first position information exist, acquiring second payment preference corresponding to the matched stores, and determining target payment service; if the fact that the stores matched with the first position information do not exist is determined, inquiring the time period of the first moment; and determining the target payment service according to the queried time period and the second payment preference corresponding to each different time period.

Thus, when the payment service supported by the store is not the payment service commonly used by the user, the user needs to perform payment operation with the payment service allowed by the store, and in this example, the target payment service is determined by the second payment preference of the store, so that the problem that the recommended target payment service does not meet the requirement of the store can be avoided; and if the fact that the store matched with the first position information does not exist is detected, determining target payment preference based on the payment preference of the user, so that the recommended target payment service accords with the payment habit of the current user.

According to a first aspect, the payment preferences include first payment preferences that each correspond to a user over a different period of time; and the first parameter comprises a first time; predicting a payment service to be enabled according to the first parameter and the payment preference, including: inquiring the time period of the first moment; and determining the target payment service according to the queried time period and the second payment preference corresponding to each different time period. In this way, the determined target payment service is made to conform to the habit of the user for use based on the first payment preference of the user in different periods.

According to a first aspect, the payment preferences include second payment preferences corresponding to each of a plurality of different stores; and the first parameter includes first location information; predicting a payment service to be enabled according to the first parameter and the payment preference, including: acquiring second position information corresponding to each store; detecting whether stores matched with the first position information exist according to the first position information and each second position information; and if the stores matched with the first position information exist, acquiring second payment preference corresponding to the matched stores, and determining a target payment service. In this way, the target payment preference is determined based on the payment preference of the store, so that the problem that the recommended target payment service is not the payment service allowed by the store is avoided, and the requirement of the target payment service on the use scene is improved.

According to a first aspect, obtaining second payment preferences corresponding to the matched store, determining a target payment service, comprising: detecting whether a payment service with the probability larger than a first threshold exists in second payment preferences corresponding to the matched stores; and if the payment service with the existence probability larger than the first threshold value is detected, acquiring the payment service with the existence probability larger than the first threshold value as a target payment service. In this way, the electronic device can detect payment applications that are obviously supported by the store, thereby predicting payment services that meet the store payment requirements.

According to the first aspect, the method further comprises the step of selecting any payment service as a target payment service or selecting the payment service with the highest probability as the target payment service if the payment service with the absence probability larger than the first threshold is detected. Thus, if the store does not have obvious payment requirements, one payment service can be selected as a target payment service, and the prediction speed is high.

According to a first aspect, the method further comprises: if no payment service with the probability larger than the first threshold value is detected, and the difference value between the probabilities of each payment service in the matched stores is smaller than the second threshold value, inquiring the time period of the first moment; and determining the target payment service according to the queried time period and the second payment preference corresponding to each different time period. Thus, the first threshold may be a value greater than or equal to 60%, the second threshold may range between 1% and 5%, and if the electronic device detects a payment service having a probability of absence greater than the first threshold, and the difference between the probabilities of detecting the payment services in the matched store is less than the second threshold, indicating that the payment services in the store may be allowed to be used, the target payment service may be determined based on the first payment preference of the user, such that the determined target payment service conforms to the usage habit of the user.

According to a first aspect, determining a target payment service according to the queried time period and the second payment preferences corresponding to different time periods, includes: detecting whether there is a first payment preference matching the queried period; if the first payment preference matched with the queried time period exists, detecting whether the probability of the matched first payment preference is larger than a payment service corresponding to a third threshold value; and if the payment service corresponding to the probability of existence greater than the third threshold value is detected, the payment service corresponding to the probability greater than the third threshold value is taken as the target payment service.

In this way, the electronic device can quickly acquire the payment service commonly used by the user through the third threshold (a value greater than or equal to 60% can be selected).

According to a first aspect, the method further comprises: and if the probability of detecting each payment service is smaller than the third threshold value, acquiring the payment service with the highest probability from the matched first payment preference as the target payment service. In this way, the electronic device can quickly select the target payment service.

According to a first aspect, the method further comprises: and if the probability of detecting each payment service is smaller than the third threshold value and the difference value between the probabilities of each payment service is smaller than the second threshold value, taking any payment service from the matched first payment preferences as a target payment service. In this way, the third threshold may be greater than or equal to 60%, and the second threshold may be in a range between 1% and 5%, where if the electronic device detects that there is no payment service with a probability greater than the third threshold in the first payment preference, and detects that the difference between probabilities of payment services in the first payment preference corresponding to the matched period is less than the second threshold, it indicates that the user does not prefer to use a certain payment service, and selects a preset payment service as a target payment service and also accords with the usage habit of the user.

According to a first aspect, the method further comprises: and if the fact that the first payment preference matched with the queried time period does not exist is detected, selecting a preset payment service as a target payment service. Thus, when the electronic equipment detects that the user has no obvious payment preference and the store has no obvious payment preference supported, the preset payment service can be selected as the target payment service, and the prediction speed is high.

According to a first aspect, before acquiring the first location information of the user, the method further comprises: acquiring first identifiers of base stations corresponding to different payment areas, wherein the payment areas comprise at least one store; acquiring a second identifier of a base station where the electronic equipment is currently located; a second identity is detected that matches the first identity. Therefore, the electronic equipment can judge whether a store exists nearby the electronic equipment in advance through the second identifier and the first identifier, and only acquire the first position information when the second identifier matched with the first identifier exists, so that high power consumption caused by frequent positioning of the electronic equipment can be avoided.

According to a first aspect, detecting whether there is a store matching the first location information includes: if the difference value between the first position information and the second position information of at least two stores is smaller than the position threshold value, detecting whether Wi-Fi signals exist or not; if the Wi-Fi signal is detected to exist and the Wi-Fi signal strength is larger than the signal strength threshold, the store corresponding to the Wi-Fi signal is used as the store matched with the first position information. Therefore, the electronic equipment can also improve the positioning precision through the strength of the Wi-Fi signal, so that the store matched with the first position information can be accurately determined, and the precision of the follow-up predicted target payment service is improved.

According to a first aspect, obtaining first payment preferences of users respectively corresponding in different time periods includes: the method comprises the steps of obtaining a payment event generated by electronic equipment within a preset duration as a payment sample of a user, wherein the payment event comprises the following steps: the time of each payment, the payment service employed when each payment is completed; and clustering payment samples of the user according to the occurrence time of each payment, and obtaining the first payment preference corresponding to each user in different time periods. In this way, the electronic device clusters the collected payment events, and can accurately acquire the first payment preference (namely the payment habit of the user), so that the target payment service determined based on the payment habit of the user accords with the payment habit of the user.

According to a first aspect, obtaining second payment preferences for each of a plurality of different stores includes: acquiring city identification information of a city in which the electronic equipment is located; and acquiring second payment preferences corresponding to each store in the city where the electronic equipment is located from the server according to the city identification information. Therefore, the electronic equipment can only store the second payment preference corresponding to each store in the city where the electronic equipment is located, the storage capacity is reduced, and the storage space in the electronic equipment is saved.

According to a first aspect, the method further comprises: acquiring each generated payment event of the electronic device, wherein the payment event further comprises: the position information of the payment occurs; and uploading the payment event to a server, so that the server clusters according to the acquired payment event to form second payment preferences corresponding to each store. In this way, the server can acquire the payment event uploaded by each electronic device, and further acquire the second payment preference of each store based on the payment event cluster uploaded by each electronic device.

According to a first aspect, the method further comprises: if a preset updating condition is detected, downloading second payment preference corresponding to each store in the city where the electronic equipment is located from a server; the update conditions include: detecting that the city where the electronic equipment is located is switched, or detecting that the detection reaches a preset time, or detecting that the electronic equipment is in a charging state. In this way, the electronic device can timely update the second payment preferences of each store to improve the accuracy of the predicted target payment service.

According to a first aspect, before obtaining the first parameter of the user, the method further comprises: detecting that the display interface of the electronic device switches back to the first interface, the first interface comprising: a desktop of an electronic device. Thus, the electronic device can timely recommend the target payment service for the user, so that the user can timely see the recommended target payment service.

In a second aspect, the present application provides an electronic device comprising: one or more processors; a memory; and one or more computer programs, wherein the one or more computer programs are stored on the memory, which when executed by the one or more processors, cause the electronic device to perform the method of payment service recommendation of the first aspect and any implementation of the first aspect.

Any implementation manner of the second aspect and the second aspect corresponds to any implementation manner of the first aspect and the first aspect, respectively. The technical effects corresponding to the second aspect and any implementation manner of the second aspect may be referred to the technical effects corresponding to the first aspect and any implementation manner of the first aspect, which are not described herein.

In a third aspect, the present application provides a computer readable medium storing a computer program, which when executed on an electronic device, causes the electronic device to execute a method of payment service recommendation corresponding to any implementation manner of the first aspect and the first aspect.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments of the present application will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of an exemplary illustrated scenario in which an electronic device initiates a payment application into a payment service;

fig. 2 is a schematic structural view of an exemplary electronic device;

FIG. 3 is a schematic software architecture diagram of an exemplary electronic device;

FIG. 4 is a flow chart illustrating one payment service recommendation;

FIG. 5 is a flow chart illustrating yet another payment service recommendation;

FIG. 6 is a schematic diagram illustrating interaction between an electronic device and a server;

FIG. 7 is a schematic diagram of an exemplary server acquiring payment events;

FIG. 8 is a schematic diagram of exemplary stores and base station coverage areas;

FIG. 9 is a schematic diagram of an exemplary illustrated electronic device locating a store based on Wi-Fi signals;

fig. 10 is a schematic diagram of a scenario illustrating a payment service recommendation.

Detailed Description

The following description of the embodiments of the present application will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.

The term "and/or" is herein merely an association relationship describing an associated object, meaning that there may be three relationships, e.g., a and/or B, may represent: a exists alone, A and B exist together, and B exists alone.

The terms first and second and the like in the description and in the claims of embodiments of the application, are used for distinguishing between different objects and not necessarily for describing a particular sequential order of objects. For example, the first target object and the second target object, etc., are used to distinguish between different target objects, and are not used to describe a particular order of target objects.

In embodiments of the application, words such as "exemplary" or "such as" are used to mean serving as an example, instance, or illustration. Any embodiment or design described herein as "exemplary" or "e.g." in an embodiment should not be taken as preferred or advantageous over other embodiments or designs. Rather, the use of words such as "exemplary" or "such as" is intended to present related concepts in a concrete fashion.

In the description of the embodiments of the present application, unless otherwise indicated, the meaning of "a plurality" means two or more. For example, the plurality of processing units refers to two or more processing units; the plurality of systems means two or more systems.

In some embodiments, as payment applications continue to spread, people currently typically conduct payment operations through various payment services in the payment applications, including: and (5) code scanning payment and payment codes. The user receives an incoming call in the process of queuing and checkout in a supermarket; when the user checks out, the user needs to return to the desktop and click the payment application; after entering the payment application, jumping a plurality of pages to the payment service page to finish the payment operation. Because more steps of clicking operation are needed, the user cannot quickly enter the page of the payment service, the payment operation is completed, and the payment experience of the user is affected.

For example, as shown in fig. 1, fig. 1 shows a schematic view of a scenario in which a user initiates a payment application into a payment service. As shown in fig. 1a, the mobile phone of user a displays a game interface 101. If the user needs to perform the payment operation at this time, the user clicks the home button (or clicks the button for returning to the desktop), and the mobile phone responds to the clicking operation of the user and returns to the desktop of the mobile phone, as shown in fig. 2 b. The desktop 102 displays a plurality of icons of different applications, the user clicks on the icon 103 of the payment application, and in response to the user clicking on the icon 103 of the payment application, the mobile phone enters an application interface of the payment application. As shown in fig. 1, the payment application is a "payment treasured" application, and as shown in fig. 1c, icons corresponding to two payment services, namely a payment service 106 for performing code scanning payment and a payment service 105 for payment code payment, are displayed in the application interface 104. It will be appreciated that in this example, no other functions in the application interface 104 are shown in 1 c. If the store only supports the payment code, the user clicks the payment code 106, and the mobile phone jumps to the payment code interface 107 in response to the user clicking the payment code 106, and the interface 107 displays the payment code for payment.

In this example, when the user needs to perform the payment operation, the user needs to go through multiple operations to enter the interface corresponding to the payment service, which results in multiple steps of the user operation and affects the payment speed of the user. If the network is slow in the payment process, the display speed of each interface is slow, the speed of jumping to the payment code interface is increased, and the payment experience of the user is affected.

The application provides a payment service recommendation method which is applied to electronic equipment such as mobile phones and wearable equipment (such as a bracelet and a watch). When the display interface of the electronic equipment is detected to be on the desktop, recommended payment service can be displayed on the desktop, and a user can directly enter the interface of the payment service by clicking the payment service, so that the time for starting the payment service interface of the electronic equipment is greatly saved. Meanwhile, the recommended payment service meets the requirements of the user, the user does not need to manually add a shortcut of the payment service, and the flexibility of recommendation is improved.

Fig. 2 is a schematic structural diagram of an electronic device 100 according to an embodiment of the present application. It should be understood that fig. 2 illustrates electronic device 100 as just one example of an electronic device, and that electronic device 100 may have more or fewer components than shown, may combine two or more components, or may have a different configuration of components. The various components shown in fig. 1 may be implemented in hardware, software, or a combination of hardware and software, including one or more signal processing and/or application specific integrated circuits.

The electronic device 100 may include: processor 110, external memory interface 120, internal memory 121, universal serial bus (universal serial bus, USB) interface 130, charge management module 140, power management module 141, battery 142, antenna 1, antenna 2, mobile communication module 150, wireless communication module 160, audio module 170, speaker 170A, receiver 170B, microphone 170C, headset interface 170D, sensor module 180, keys 190, motor 191, indicator 192, camera 193, display 194, and subscriber identity module (subscriber identification module, SIM) card interface 195, etc. The sensor module 180 may include a pressure sensor, a gyroscope sensor, a barometric sensor, a magnetic sensor, an acceleration sensor, a distance sensor, a proximity sensor, a fingerprint sensor, a temperature sensor, a touch sensor, an ambient light sensor, a bone conduction sensor, and the like.

Fig. 3 is a software configuration block diagram of the electronic device 100 according to the embodiment of the present application.

The layered architecture of the electronic device 100 divides the software into several layers, each with a distinct role and division of labor. The layers communicate with each other through a software interface. In some embodiments, the Android system is divided into three layers, an application layer, an application framework layer and a kernel layer from top to bottom. It will be appreciated that the layers in the software structure of fig. 3 and the components contained in the layers do not constitute a particular limitation of the electronic device 100. In other embodiments of the application, electronic device 100 may include more or fewer layers than shown and may include more or fewer components per layer, as the application is not limited.

As shown in fig. 3, the application layer may include a series of application packages. The application packages may include payment applications, recommendation applications, WLAN, bluetooth, map, games, short messages, gallery, phone calls, navigation, etc. applications.

The application framework layer provides an application programming interface (application programming interface, API) and programming framework for application programs of the application layer. The application framework layer includes a number of predefined functions.

As shown in FIG. 3, the application framework layer may include a window manager, resource manager, content provider, view system, phone manager, notification manager, and the like.

The window manager is used for managing window programs. The window manager can acquire the size of the display screen, judge whether a status bar exists, lock the screen, intercept the screen and the like.

The resource manager provides various resources for the application program, such as localization strings, icons, pictures, layout files, video files, and the like.

The content provider is used to store and retrieve data and make such data accessible to applications. The data may include video, images, audio, calls made and received, browsing history and bookmarks, phonebooks, etc.

The view system includes visual controls, such as controls to display text, controls to display pictures, and the like. The view system may be used to build applications. The display interface may be composed of one or more views. For example, a display interface including a text message notification icon may include a view displaying text and a view displaying a picture.

The telephony manager is used to provide the communication functions of the electronic device 100. Such as the management of call status (including on, hung-up, etc.).

The notification manager allows the application to display notification information in a status bar, can be used to communicate notification type messages, can automatically disappear after a short dwell, and does not require user interaction. Such as notification manager is used to inform that the download is complete, message alerts, etc. The notification manager may also be a notification in the form of a chart or scroll bar text that appears on the system top status bar, such as a notification of a background running application, or a notification that appears on the screen in the form of a dialog window. For example, a text message is prompted in a status bar, a prompt tone is emitted, the electronic device vibrates, and an indicator light blinks, etc.

The kernel layer is a layer between hardware and software. The inner core layer at least comprises a display driver, a camera driver, an audio driver and a sensor driver.

It will be appreciated that the layers and components contained in the layers in the software structure shown in fig. 3 do not constitute a specific limitation on the electronic device 100. In other embodiments of the application, electronic device 100 may include more or fewer layers than shown and may include more or fewer components per layer, as the application is not limited.

Fig. 4 is a flow chart illustrating one payment service recommendation. In this example, the electronic device is exemplified by a mobile phone. The process of payment recommendation may include:

step 401: the electronic device obtains a first parameter of a user.

When the mobile phone detects that the display interface is switched to the first interface (such as a desktop), the current location information of the mobile phone is obtained as the first location information. The mobile phone obtains the moment when the current display interface is switched to the desktop as a first moment. The first parameter may comprise the first location information, or the first parameter comprises the first time of day and the first location information. The handset may obtain the first location information via GPS (Global Positioning System ) positioning.

Alternatively, the first interface may be a desktop, a negative one-screen interface, or a drop-down interface of a screen.

Step 402: the electronic device obtains the stored payment preferences.

Illustratively, the payment preferences include first payment preferences that each correspond to a user during a different time period and/or second payment preferences that each correspond to a plurality of different stores, the first payment preferences including probabilities of each payment service being used by the user during the time period; the second payment preference includes: probability of each payment service allowed by the store.

The mobile phone can store the payment event generated by the mobile phone each time in real time, and the payment event can comprise: the time of payment, the location of the mobile phone when payment occurs, and the payment service employed. Optionally, the payment service is used to perform payment operations, e.g., the payment service may pay for a scan of payment application a, the payment code of payment application a.

The mobile phone can obtain first payment preferences of different time periods by clustering according to time based on preset inward-week payment events. Clustering algorithms such as Kmeans algorithm, density-based spatial clustering algorithm, spectral clustering, and the like. Payment events with similar payment times can be aggregated into a type by a clustering algorithm. The first payment preferences corresponding to each period may include: the probability of each payment service being used by the user (i.e., by the cell phone) during that period. For example, the mobile phone stores a first payment preference corresponding to each of 3 periods, where the first period is "7: 30-9: 30", the second period is" 11: 40-12: 40", third period is" 16: 40-21: 00'; the payment preference corresponding to the first period of time includes: the probability of payment application A swipe code payment is 20%, the probability of payment application A payment code is 30%, the probability of payment application B swipe code payment is 40%, and the probability of payment application B payment code is 10%.

The handset may periodically or aperiodically obtain the respective second payment preferences for each store from the server. For example, the mobile phone may obtain the identifier of the city in which the mobile phone is currently located, and request to obtain the second payment preference corresponding to each store in the city from the server according to the identifier of the city in which the mobile phone is currently located. And the server issues the second payment preference corresponding to each shop in the queried city to the mobile phone according to the identification of the city.

The process by which the server obtains the second payment preferences corresponding to each store in the city is described in detail below in conjunction with fig. 6 and 7. Fig. 6 is a schematic diagram illustrating interaction between an electronic device and a server. In this example, taking the mobile phone a as an example, the interaction between the mobile phone and the server includes:

step 601: the mobile phone A acquires a payment event of each payment.

Specifically, each payment event may include: the time at which the payment occurred, the location information at which the payment occurred, and the payment service employed by the electronic device. For example, the mobile phone starts the payment code in the payment application a at 15:00 to perform the payment operation, and the mobile phone records the payment location a (x 1, y 1) at the same time. The handset takes the payment time (15:00), the payment location a (x 1, y 1) and the payment code in the payment application a as payment events. Optionally, the mobile phone may identify the payment application through the package name of the application, detect the payment completion event through the class name of the payment completion page, and in other embodiments, identify that the electronic device generates the payment event in other manners, such as receiving notification of the payment completion.

Optionally, the payment event may also be location information of the payment occurrence and a payment service.

Optionally, the payment event may further include: the time of payment, location information of payment (such as location information acquired by GPS), payment service, identification information of the base station where the payment is located, identification information of the Wi-Fi signal connected, etc.

Step 602: and uploading each payment event to the server by the mobile phone A.

Specifically, the server may recommend a server corresponding to the application for the payment service, and the server may be communicatively connected to different electronic devices. Each handset a may upload payment events to the server immediately after recording each payment event. Optionally, if the mobile phone a detects that the preset time is reached, the mobile phone a uploads the payment event recorded in the preset period to the server, where the preset time may be any time, for example: 24:00, 23:00, etc. The preset time period is a time period from the last uploading time to the current uploading time.

Step 603: the server responds to each received payment event, and determines a second payment preference corresponding to each store in the city according to each payment event.

Specifically, the server receives the payment event uploaded by the mobile phone a, and the server can cluster the payment event according to the payment location to obtain the second payment preference corresponding to each store. Optionally, when the server detects that the number of the payment events reaches a preset number threshold, the server clusters the payment events according to the payment places to obtain second payment preferences corresponding to each store.

Optionally, the server may also cluster payment events based on payment location periodically to update the corresponding second payment preferences for each store.

Step 604: the server issues a second payment preference corresponding to each store in the city to the mobile phone a.

For example, if the server receives the acquisition request sent by the mobile phone a, the server may send a second payment preference corresponding to each store in the city to the mobile phone a. Alternatively, the server may also periodically send to the handset a the second payment preferences corresponding to each store in the city.

Fig. 7 is a schematic diagram of an exemplary server acquiring payment events.

As shown in fig. 7, the user a holds the mobile phone to perform payment operation, and each black solid point in fig. 7 represents a store; the probability that the user pays around the store is high, when the mobile phone of each user generates a payment event, the mobile phone records the payment event and uploads the generated payment event to the server. For example, in an area where a circle is located, a mobile phone with 5 ten thousand users generates a payment event, each mobile phone with 5 ten thousand users records the payment event generated by itself, and uploads the respective payment event to a server. The server receives the payment event uploaded by the mobile phone of each user, and the received payment event can be used as a payment sample. Clustering is carried out according to the place where payment occurs and the position information of each store, so that the second payment preference corresponding to each store can be obtained. The second payment preferences for each store include: the store supports the probability of each payment service being used. For example, the second payment preferences for store a include: the probability of allowing payment using payment application a is 80%, the probability of allowing payment using the scan of payment application a is 20%, the probability of allowing payment using payment application B is 0, and the probability of allowing payment using the scan of payment application B is 0. Optionally, the payment application comprises: payment device, weChat, unionpay, digital RMB, etc.

Step 403: and the electronic equipment predicts the payment service to be started according to the first parameter and the payment preference, and takes the predicted payment service as a target payment service.

Illustratively, if the payment preferences include first payment preferences that the user corresponds to each of the different time periods; and the first parameter comprises a first time. The mobile phone can acquire the time period of the first moment, and determine the target payment service according to the queried time period and the second payment preference corresponding to different time periods. Optionally, the mobile phone may detect whether the period matching the first time exists, if so, acquire a first payment preference corresponding to the period matching the first time, and select a payment service with the highest probability as the target payment service.

For example, the first time is 7:34, the mobile phone detects that the first time is in a stored first time period (the first time period is 7:30-9:30, the payment preference corresponding to the first time period comprises that the probability of payment of the payment application A scanning code is 20%, the probability of payment of the payment application A is 30%, the probability of payment of the payment application B scanning code is 40%, and the probability of payment of the payment application B is 10%), the mobile phone can select the scanning code payment of the payment application B as a target payment service, and if the mobile phone detects that the time period which is not matched with the first time period, the mobile phone can acquire a preset payment service as the target payment service.

If the payment preference comprises a second payment preference corresponding to each of a plurality of different stores; and the first parameter includes first location information. The mobile phone can acquire second position information of each store, detect whether the second position information matched with the first position information exists, for example, the first position information is (x 1, y 1), the range of the abscissa of the second position information is x 0-x 3, the range of the ordinate is y 0-y 3, and if the mobile phone detects that the first position information is within the range of the second position information, the second position information is determined to be matched with the first position information. And when the mobile phone detects that the second position information matched with the first position information exists, acquiring a second payment preference of the store where the second position information exists. And if the payment service with the existence probability larger than the first threshold value in the second payment preference of the shop matched with the first position information is detected, selecting the payment service with the highest probability as the target payment service.

For example, if the store matching the first location information is store a, the second payment preference corresponding to store a is obtained, where the second payment preference of store a includes: the probability of allowing payment using payment application a is 80%, the probability of allowing payment using the scan of payment application a is 20%, the probability of allowing payment using payment application B is 0, and the probability of allowing payment using the scan of payment application B is 0. The first threshold is 60% and more than 60% of the payment services are detected as payment codes for payment application B.

The mobile phone selects the payment code of the payment application A as the target payment service.

If the fact that the probability of absence of the payment service which is matched with the first position information and is larger than the first threshold value is detected, the payment service with the highest probability can be selected as the target payment service, or the mobile phone can acquire the preset payment service as the target payment service.

For example, if the store matching the first location information is store B, the second payment preference corresponding to store B is acquired, and the second payment preference of store B includes: the probability of allowing payment using payment application a is 20%, the probability of allowing payment using the scan of payment application a is 20%, the probability of allowing payment using payment application B is 30%, and the probability of allowing payment using the scan of payment application B is 30%. The mobile phone selects a payment code of the payment application B as a target payment service; the preset payment service pays for the scan of payment application B. The mobile phone detects that two payment services with the highest probability exist, so the mobile phone selects a preset payment service as a target payment service.

In one example, if the mobile phone detects a payment service with a probability of not being greater than the first threshold and a difference between probabilities of detecting the payment services in the matched stores is less than the second threshold, the payment service with the highest probability may be selected as the target payment service, or the mobile phone may acquire a preset payment service as the target payment service. Optionally, the second threshold may be 1% -5%, and if the mobile phone detects that there is no payment service with a probability greater than the first threshold and the difference between probabilities of each payment service in the second payment preference is less than the second threshold, it indicates that the probabilities of each payment service in the second payment preference are close, and the store has no obvious payment service preference.

In one example, if the payment preferences include a first payment preference for each of the user's respective first payment preferences and a second payment preference for each of the plurality of different stores over different time periods; and the first parameter includes the first location information and a first time of day. The mobile phone may determine the target payment service in combination with the current first location information and the current first time of the electronic device, and a specific process will be described in conjunction with fig. 5.

Step 404: the electronic device displays an icon of the target payment service in the display screen so that the user can trigger the target payment service through the icon of the target payment service.

For example, after the mobile phone determines the target payment service, the icon corresponding to the target payment service may be acquired. An icon of the target payment service is displayed on the desktop. Optionally, if the display interface of the mobile phone includes the application recommended display area, the icon of the target payment application may be displayed in the application recommended display area. The user clicks the icon of the target payment service, and the mobile phone responds to the clicking operation of the user and directly jumps to the display interface of the target payment service for the user to use. For example, the target payment service is a swipe code payment of the payment application a, and in response to the user clicking an icon of the target payment service, the display interface of the mobile phone jumps to the swipe code interface. If the target payment service is the payment code of the payment application A, responding to the user clicking the icon of the target payment service, and jumping to the payment code interface of the payment application A by the display interface of the mobile phone.

In this example, the mobile phone may obtain the first location information of the electronic device and the current first time, and according to the stored payment preference, the predicted payment service meets the user's requirement through the first location information and/or the first time, so that the user does not need to skip the display interface to the interface of the payment service through multiple steps, thereby improving the speed of using the payment service.

In some embodiments, if the payment interface opened by the user does not meet the requirements of the store, the user needs to return to the desktop again, search for the payment application allowed by the store, enter the allowed payment application, and enter the payment service in the allowed payment application through multiple clicking operations of the user. To avoid that the recommended target payment service is not a payment service allowed by a store in this example, the electronic device may jointly predict the target payment service based on the first location information and the second payment preferences of each store, as well as the first moment and the first payment preferences of the user at different periods. A specific procedure is shown in fig. 5. Fig. 5 is a flow chart illustrating one payment service recommendation. The first parameter includes first location information and a first time of day, and the payment preferences include first payment preferences for each of the user and second payment preferences for each of the plurality of different stores for different time periods. The flow of the payment service recommendation comprises the following steps:

Step 501: the electronic device detects that the display interface is switched to the desktop.

Illustratively, the mobile phone can detect whether the display interface is switched to the desktop through the name of the page. For example, a return from the game interface to the desktop is detected; if the mobile phone is detected to be unlocked, the detection of the display interface switching to the desktop can be determined.

Step 502: the electronic device obtains first location information.

This step is similar to the process of step 401, and reference may be made to the description related to step 401, which will not be repeated here.

In some embodiments, the server may also issue a first identifier (e.g., a base station ID) of the base station in which each store is located when issuing a second payment preference corresponding to each store in the city in which the mobile phone is located. A coverage area of one base station is 600m by 600m, and a plurality of stores may be located within the coverage area of the base station. The mobile phone can acquire the second identifier of the current base station, and if the second identifier matched with the first identifier exists, the mobile phone performs positioning operation, such as GPS positioning or Wi-Fi positioning. If the mobile phone does not detect the second identifier which is the same as the first identifier, the mobile phone can end the flow of the payment service recommendation, or the mobile phone can acquire the preset payment service as the target payment service.

For example, the mobile phone stores a first identifier of a base station where each store is located in the city, as shown in fig. 8, if stores exist in coverage areas of 3 base stations in the city, cell_1, cell_2 and cell_3 are respectively; the circle is the coverage area of each base station, and the solid black dots identify shops. The user A holds a mobile phone, and the mobile phone detects that the identification of the base station where the current position (i.e. the position where c is) is located is cell_4. The mobile phone detects whether the first identification which is the same as the second identification exists in the stored first identifications of the payment areas. If the mobile phone detects that the first identifier is not the same as the first identifier of the cell_4, the mobile phone can end the flow of payment service recommendation. That is, if it is detected that the display interface of the mobile phone is switched back to the desktop and it is detected that the first identifier identical to the second identifier does not exist, the mobile phone ends the flow of payment service recommendation.

Step 503: the electronic device detects whether there is a store that matches the first location information. If the electronic device detects that there is a store matching the first location information, then step 504 is performed; if the electronic device detects that there is no store matching the first location information, step 505 is performed.

The electronic device may obtain second location information of each store, which may include range coordinates of where the store is located. The electronic device may determine that a store matching the first location information is detected by detecting whether the first location information is within a range of the second location information of any store, and if the presence of the second location information including the first location information is detected.

Alternatively, if the electronic device detects that the deviation between the second location information and the first location information is less than a location threshold (e.g., less than 1m from the abscissa and/or the ordinate), it is determined that a store matching the first location information is detected. Step 504 is performed.

Optionally, the position information of the adjacent stores is close, if the mobile phone detects that the difference value between the first position information and the second position information of at least two stores is smaller than the position threshold value, whether Wi-Fi signals exist or not is detected; if the Wi-Fi signal is detected to exist and the Wi-Fi signal strength is larger than the signal strength threshold, the store corresponding to the Wi-Fi signal is used as the store matched with the first position information.

In an exemplary embodiment, if the mobile phone detects that the difference between the first location information and the two second location information is smaller than 1m, the mobile phone may detect the strength of each Wi-Fi signal received, and if the mobile phone detects that the signal strength of the Wi-Fi signal is greater than a preset signal strength threshold, it may determine that the store where the Wi-Fi signal exceeding the signal strength threshold is located matches the first location information. Alternatively, the signal strength threshold may be any value between-40 dbm and-85 dbm, such as-50 dbm. Or selecting a store to which the Wi-Fi signal with the maximum signal strength belongs as a store matched with the first position information.

For example, as shown in fig. 9, the user holds the handset in the C position, the circular area indicates the coverage of the base station, and the black solid dots indicate the store. The mobile phone detects that the position where the mobile phone is located is a C position, the mobile phone detects that the coordinate difference between the C position and the A position is smaller than 1m (namely, the difference between the abscissa and/or the ordinate), and detects that the coordinate difference between the C position and the B position is smaller than 1m, the mobile phone detects whether Wi-Fi signals are received or not, and if the mobile phone detects Wi-Fi signals, the mobile phone can detect the signal intensity of each received Wi-Fi signal. As shown in fig. 9, when the mobile phone detects that the Wi-Fi signal received at the a location is the greatest in intensity, it can be determined that the store at the a location matches the C location (i.e., the first location information) of the mobile phone.

Step 504: the electronic device detects whether a payment service with a probability greater than a first threshold exists in a second payment preference corresponding to the matched store. If not, execute step 505; if so, step 510 is performed.

Illustratively, the first threshold may be set to a probability of greater than or equal to 60%. For example, the first threshold is set to 60%. A payment service having a probability greater than a first threshold value indicates a preference in the store to support use of the payment service having a probability greater than the first threshold value. When there is no payment service with a probability greater than the first threshold, indicating that there is no apparent preference currently in the store, the handset may predict the payment service to be initiated based on the user's habit of using the payment service (i.e., the first payment preference for a different period), i.e., execute step 505.

Step 505: the electronic device queries a time period in which the first time is located.

Step 506: the electronic device detects whether there is a first payment preference that matches the queried period. If it is detected that there is a first payment preference matching the queried period, then step 507 is performed; if it is detected that there is no first payment preference matching the queried period, step 509 is performed.

Illustratively, descriptions as related to step 403 may be employed, and are not repeated here.

In another example, step 505 may not be performed, and the handset directly detects whether there is a first payment preference matching the first time. Specifically, the mobile phone may acquire periods corresponding to different first payment preferences, detect whether the first time is within the period corresponding to the first payment preferences, and if it is detected that the first time is within the period corresponding to any first payment preference, determine that the first payment preference matching the queried period is detected, and execute step 507. If the mobile phone detects that the first time is not in the period corresponding to any first payment preference, it is determined that there is no first payment preference matching the queried period, and step 509 is executed.

Step 507: the electronic device detects whether the probability of existence of the payment service corresponding to the matched first payment preference is larger than a third threshold value. If present, step 508 is performed, and if not present, step 509 is performed.

Illustratively, the third threshold may be set to a value greater than or equal to 60%, such as 60%. The handset detects that there are more than 60% of the payment services in the matched first payment preference, indicating that the user prefers to use more than 60% of the payment services during the period, step 508 may be performed. If the handset detects that there is no payment service with a probability of greater than 60% in the matched first payment preference, step 509 is performed.

Step 508: and the electronic equipment takes the payment service corresponding to the probability larger than the third threshold value as the target payment service. This step is followed by step 511.

Step 509: the electronic equipment selects a preset payment service as a target payment service. This step is followed by step 511.

For example, the mobile phone may select a preset payment service as the target payment service. Optionally, if the mobile phone detects that the number of the maximum probabilities in the matched first payment preferences is 1, selecting the payment service corresponding to the maximum probability as the target payment service. For example, the matched period is 7:30-9:30, and the first payment preference corresponding to the 7:30-9:30 period comprises: the probability of payment application A swipe code payment is 20%, the probability of payment application A payment code is 30%, the probability of payment application B swipe code payment is 40%, and the probability of payment application B payment code is 10%. The third threshold is 60%; and if the mobile phone detects that the payment application with the non-existence probability of more than 60% and the number of the detected maximum probabilities is 1, selecting the B-scan code payment of the payment application as the target payment service.

Step 510: the electronic device obtains a payment service with a probability greater than a first threshold as a target payment service. This step is followed by step 511.

Specifically, the mobile phone acquires second payment preferences of the store matched with the first location information, and selects a payment service with a probability larger than a first threshold value from the matched second payment preferences as a target payment service.

Step 511: the electronic device displays an icon of the target payment service in the display screen so that the user can trigger the target payment service through the icon of the target payment service.

This step is similar to the relevant description of step 404, and reference may be made to the relevant description of step 404, which will not be described here again.

Fig. 10 is a schematic diagram illustrating a scenario of payment service recommendation in the present application. As shown in fig. 10a, the display of the handset displays a game interface 1001, and the user is playing a game. If the user now needs to exit from the game interface and enter the interface of the payment service to perform the payment operation. The user may click an exit button (not shown in 10 a) in the game interface 1001, and the handset exits the game in response to the user's exit operation. Alternatively, the user may return the mobile phone interface to the desktop by clicking the return button multiple times. Optionally, the mobile phone may also switch the interface to the desktop of the mobile phone in response to the user clicking the "home" key. When the mobile phone detects that the displayed interface is switched to the first interface (e.g., the first interface is a desktop), the mobile phone can obtain a second identifier (e.g., the second identifier is cell_2) of the current base station. Meanwhile, the mobile phone detects a first identifier corresponding to a base station where each store is located in the city downloaded from a server; if the mobile phone detects that the first identifier which is the same as the second identifier exists, the mobile phone determines that a store exists nearby the current position, and the mobile phone acquires the first position information of the current position. The manner in which the mobile phone obtains the first location information may include a GPS positioning manner. The handset may obtain second location information for each store in the city. Optionally, the mobile phone can acquire second position information of each store in the coverage area of the base station; it is determined whether there is second location information that matches the first location information. If the mobile phone determines that the second position information matched with the first position information exists, determining that the matched store of the second position information is the store matched with the first position information, and acquiring a second payment preference corresponding to the matched store. The second payment preference includes: the probability of allowing payment using payment application a is 65%, the probability of allowing payment using the scan of payment application a is 0, the probability of allowing payment using payment application B is 35%, and the probability of allowing payment using the scan of payment application B is 0. In the second payment preference, there is a payment service exceeding a first threshold (e.g. 60%), and the mobile phone may acquire the payment code of the payment application a as the target payment service.

Optionally, if there is no second payment preference or no payment service exceeding the first threshold in the matched store, the mobile phone may obtain the first payment preference of the user at a different time period. The handset may detect whether there is a period of time matching the first time. If the mobile phone detects that the period matched with the first time exists, the first payment preference corresponding to the matched period is acquired. The mobile phone detects whether the first payment preference corresponding to the matching period has the payment service exceeding the third threshold value or not, and if the mobile phone detects that the payment service exceeding the third threshold value exists, the payment service exceeding the third threshold value is obtained as the target payment service. If the mobile phone detects that the payment service exceeding the third threshold value does not exist, the mobile phone can acquire a preset payment service (such as a payment code of a payment device application) and take the preset payment service as a target payment service.

An icon of the target payment service is displayed in an application recommendation area of the desktop of the mobile phone, and as shown in fig. 10 b, an application recommendation area 1003 is displayed on the desktop 1002 of the mobile phone, and an icon 1004 of the target payment service is displayed in the application recommendation area 1003. The user clicks on the icon 1004 of the target payment service (in this example, the payment code of the payment device is taken as an example), and the mobile phone initiates an interface of the target payment service, such as 1005 interface in 10c, in response to the user clicking on the icon 1004 of the target payment service. The interface 1005 is a payment code interface.

Compared with the mobile phone in fig. 1, which displays the payment code interface, the operation steps of the user are reduced, and the payment speed is increased.

It will be appreciated that the electronic device, in order to achieve the above-described functions, includes corresponding hardware and/or software modules that perform the respective functions. The present application can be implemented in hardware or a combination of hardware and computer software, in conjunction with the example algorithm steps described in connection with the embodiments disclosed herein. Whether a function is implemented as hardware or computer software driven hardware depends upon the particular application and design constraints imposed on the solution. Those skilled in the art may implement the described functionality using different approaches for each particular application in conjunction with the embodiments, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

The present embodiment also provides a computer storage medium having stored therein computer instructions which, when executed on an electronic device, cause the electronic device to perform the above-described related method steps to implement the method of payment service recommendation in the above-described embodiments. The storage medium includes: a U-disk, a removable hard disk, a Read Only Memory (ROM), a random access memory (random access memory, RAM), a magnetic disk, or an optical disk, or other various media capable of storing program codes.

The present embodiment also provides a computer program product which, when run on a computer, causes the computer to perform the above-mentioned related steps to implement the method of payment service recommendation in the above-mentioned embodiments.

The electronic device, the computer storage medium, the computer program product, or the chip provided in this embodiment are used to execute the corresponding methods provided above, so that the beneficial effects thereof can be referred to the beneficial effects in the corresponding methods provided above, and will not be described herein.

Any of the various embodiments of the application, as well as any of the same embodiments, may be freely combined. Any combination of the above is within the scope of the application.

The embodiments of the present application have been described above with reference to the accompanying drawings, but the present application is not limited to the above-described embodiments, which are merely illustrative and not restrictive, and many forms may be made by those having ordinary skill in the art without departing from the spirit of the present application and the scope of the claims, which are to be protected by the present application.

Claims

1. A method of payment service recommendation, applied to an electronic device, the method comprising:

acquiring a first parameter of a user, wherein the first parameter comprises first position information and/or current first moment of the user;

obtaining stored payment preferences, wherein the payment preferences comprise first payment preferences respectively corresponding to the user in different time periods and/or second payment preferences respectively corresponding to a plurality of different stores, and the first payment preferences comprise probabilities of payment services used by the user in the time periods; the second payment preference includes: probability of each payment service allowed by the store;

predicting a payment service to be enabled according to the first parameter and the payment preference, and taking the predicted payment service as a target payment service;

displaying an icon of the target payment service in a display screen so that the user can trigger the target payment service through the icon of the target payment service;

before acquiring the first parameter of the user, the method further comprises:

detecting that the display interface of the electronic device switches back to a first interface, the first interface comprising: and a desktop of the electronic device.

2. The method of claim 1, wherein the payment preferences include a first payment preference for each of the user and a second payment preference for each of a plurality of different stores for different time periods; and the first parameter includes the first location information and the first time;

the predicting a payment service to be enabled according to the first parameter and the payment preference includes:

acquiring second position information corresponding to each store;

detecting whether a store matched with the first position information exists according to the first position information and each second position information;

if the stores matched with the first position information exist, acquiring second payment preference corresponding to the matched stores, and determining the target payment service;

if the fact that the stores matched with the first position information do not exist is determined, inquiring the time period of the first moment; and determining the target payment service according to the queried time period and the second payment preference corresponding to each different time period.

3. The method of claim 1, wherein the payment preferences include first payment preferences that each correspond to the user over a different period of time; and the first parameter comprises the first time;

inquiring the time period of the first moment;

and determining the target payment service according to the queried time period and the second payment preference corresponding to each different time period.

4. The method of claim 1, wherein the payment preferences include second payment preferences corresponding to each of a plurality of different stores; and the first parameter includes the first location information;

acquiring second position information corresponding to each store;

and if the stores matched with the first position information exist, acquiring second payment preference corresponding to the matched stores, and determining the target payment service.

5. The method of claim 2, wherein the obtaining the second payment preferences corresponding to the matched store, determining the target payment service, comprises:

Detecting whether a payment service with the probability larger than a first threshold exists in second payment preferences corresponding to the matched stores;

and if the payment service with the existence probability larger than the first threshold value is detected, acquiring the payment service with the existence probability larger than the first threshold value as a target payment service.

6. The method of claim 5, wherein the method further comprises:

and if the payment service with the non-existence probability larger than the first threshold value is detected, selecting any payment service as a target payment service, or selecting the payment service with the maximum probability as the target payment service.

7. The method of claim 5, wherein the method further comprises:

if no payment service with the probability larger than a first threshold value is detected, and the difference value between the probabilities of each payment service in the matched stores is detected to be smaller than a second threshold value, inquiring the time period of the first moment; and determining the target payment service according to the queried time period and the second payment preference corresponding to each different time period.

8. A method according to claim 2 or 3, wherein determining the target payment service based on the queried time period and the respective second payment preferences for different time periods comprises:

Detecting whether there is a first payment preference matching the queried period;

if the first payment preference matched with the queried time period exists, detecting whether the probability of the matched first payment preference is larger than a payment service corresponding to a third threshold value;

and if the payment service corresponding to the probability larger than the third threshold value is detected, the payment service corresponding to the probability larger than the third threshold value is used as the target payment service.

9. The method of claim 8, wherein the method further comprises:

and if the probability of detecting each payment service is smaller than the third threshold value, acquiring the payment service with the highest probability from the matched first payment preference as the target payment service.

10. The method of claim 8, wherein the method further comprises:

and if the probability of detecting each payment service is smaller than the third threshold value and the difference value between the probabilities of each payment service is smaller than the second threshold value, taking any payment service from the matched first payment preference as the target payment service.

11. The method of claim 8, wherein the method further comprises:

And if the fact that the first payment preference matched with the queried time period does not exist is detected, selecting a preset payment service as the target payment service.

12. The method of claim 1, wherein prior to obtaining the first location information of the user, the method further comprises:

acquiring first identifiers of base stations corresponding to different payment areas, wherein the payment areas comprise at least one store;

acquiring a second identifier of a base station where the electronic equipment is currently located;

a second identity is detected that matches the first identity.

13. The method of claim 2, wherein detecting whether there is a store that matches the first location information comprises:

if the difference value between the first position information and the second position information of at least two stores is detected to be smaller than a position threshold value, detecting whether Wi-Fi signals exist or not;

and if the Wi-Fi signal is detected to exist and the Wi-Fi signal strength is larger than a signal strength threshold, the store corresponding to the Wi-Fi signal is used as the store matched with the first position information.

14. The method of claim 2, wherein obtaining the first payment preferences for each of the users over different time periods comprises:

Acquiring a payment event generated by the electronic equipment within a preset duration as a payment sample of the user, wherein the payment event comprises: the time of each payment, the payment service employed when each payment is completed;

and clustering payment samples of the user according to the occurrence time of each payment, and obtaining the first payment preference corresponding to each user in different time periods.

15. The method of claim 2, wherein obtaining the second payment preferences for each of the plurality of different stores comprises:

acquiring city identification information of a city in which the electronic equipment is located;

and acquiring second payment preferences corresponding to each store in the city where the electronic equipment is located from a server according to the city identification information.

16. The method of claim 14, wherein the method further comprises:

acquiring each generated payment event of the electronic device, wherein the payment event further comprises: the position information of the payment occurs;

and uploading the payment event to a server, so that the server clusters according to the acquired payment event to form second payment preferences corresponding to each store.

17. The method of claim 15, wherein the method further comprises:

if a preset updating condition is detected, downloading second payment preferences corresponding to stores in the city where the electronic equipment is located from the server;

the update condition includes: detecting that the city where the electronic equipment is located is switched, or detecting that the preset time is reached, or detecting that the electronic equipment is in a charging state.

18. An electronic device, comprising:

one or more processors;

a memory;

and one or more computer programs, wherein the one or more computer programs are stored on the memory, which when executed by the one or more processors, cause the electronic device to perform the method of payment service recommendation of any of claims 1-17.

19. A computer readable storage medium comprising a computer program, characterized in that the computer program, when run on an electronic device, causes the electronic device to perform the method of payment service recommendation performed by the electronic device according to any of claims 1-17.