CN102314649A - Payment method based on user and payment page - Google Patents
Payment method based on user and payment page Download PDFInfo
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- CN102314649A CN102314649A CN201110211293A CN201110211293A CN102314649A CN 102314649 A CN102314649 A CN 102314649A CN 201110211293 A CN201110211293 A CN 201110211293A CN 201110211293 A CN201110211293 A CN 201110211293A CN 102314649 A CN102314649 A CN 102314649A
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Abstract
The invention discloses a payment method based on a user and a payment page. In the prior art, payment operation is complex and waiting time is long. The invention aims at solving the above problems. The payment method based on the user and the payment page are provided. A payment function, which is the most important function, is displayed to the user at a time on an interface. The user can enter into the payment function by pressing a key so that user operation steps and the waiting time can be reduced. The method is characterized by: displaying account balance information and a payment mode list on the same page; memorizing a last successful user payment mode through database and focusing a cursor on the last successful payment mode. By using the method, a especially substantial effect can be performed for the mobile phone user whose hardware equipment has a poor operation ability, a screen of the mobile phone is small and is not a touch screen, and a network interaction speed of the mobile phone is slow.
Description
Technical field
The present invention relates to a kind of hand set paying method, relate in particular to a kind of optimization modes of payments and payment page thereof based on the cellphone subscriber.
Background technology
Be subject to the current phone hardware device, the third party's payment software on the mobile phone is also less relatively, and the quick and smooth twelve Earthly Branches of user are repaid has no small difficulty.Existing mobile-phone payment product needs user's multi-pass operations usually, and waits for after remote service is repeatedly replied and could accomplish, and makes the user feel that troublesome poeration and stand-by period are long.
Open day be that on 01 05th, 2011, publication number are that the patent documentation of CN101937539A discloses such technical scheme: a kind of hand set paying method and system; Comprise the steps; The payer mobile phone terminal is handled network transmission payment authorization request by payer mobile phone or POS machine terminal to bank card business dealing to being sent bank card account number information by payer mobile phone or POS machine terminal through the short-distance wireless communication mode; Bank card business dealing is handled network to being sent Authorization result by payer mobile phone or POS machine terminal, is applicable between individual and the individual and the transaction of the Zhi Fuyu between consumer and the businessman, advantage such as have good confidentiality, be difficult for makeing mistakes.But to be long, adaptive surface of complex operation stand-by period narrow pays such as project such as can not play for the shortcoming of this scheme, can not adapt to multiple modes of payments demand.
Summary of the invention
The present invention solves technical matterss such as the existing in prior technology delivery operation is loaded down with trivial details, the stand-by period is long; A kind of method of payment and payment page based on the user is provided; Most important payment function is once showed the user on the interface; Let user's one key get into payment function, reduce user's operation steps and stand-by period.
The present invention is directed to the prior art problem and mainly be able to solve through following technical proposals, a kind of method of payment based on the user, this method comprises: show account balance information and modes of payments tabulation at the same page; Mode through the last success of database memory user is paid focuses on cursor on the mode that the last success is paid in the modes of payments tabulation, presses acknowledgement key and accomplishes payment.The present invention seeks to make on the mobile phone user's operation for paying the fee to simplify as far as possible, let the user accomplish payment quick and smoothly.At first show account balance information and modes of payments tabulation at the same page; Be merged into for 1 step to original 2 steps that query the balance and obtain the modes of payments; The mode of paying through database memory user the last time success afterwards focuses on cursor on the mode of the last success payment, if this modes of payments is identical with last time; As long as, save troublesome operation such as querying the balance, select the modes of payments by confirming to get into payment.This scheme is for cellphone subscriber's hardware device poor arithmetic ability, and the slow cellphone subscriber's effect of screen touch-screen less than normal, non-, network interaction speed is especially remarkable.
Further, the last successful modes of payments is presented at center Screen, and cursor is focused on the last successful modes of payments.The desirable modes of payments comes into plain view, and it is convenient to operate.
Further, pay custom according to the user, algorithm is placed on the position near last successful modes of payments upper and lower, left and right with other user's interest modes of payments according to the rules.Pay custom according to the user; Maybe interested Payment Card according to respective algorithms with other users; Be placed on the position of both having paid page central authorities upper and lower, left and right near the last successful modes of payments, use the directionkeys on the mobile phone can carry out the selection of other modes of payments easily.
Further, the regulation algorithm comprises that the user is accustomed to algorithm, similar type algorithm, customer relationship algorithm and integration algorithm.Wherein: it is to use the historical record of each function to add up scoring according to this user that the user is accustomed to algorithm, and the score that access times are maximum is high more; The similar type algorithm is according to marking with the most frequently used modes of payments similarity in this family; Often use grand card like the user; This user possibly be partial to use the modes of payments of the card of game points, and relative walk in the Divine Land card of the modes of payments and bank card that journey card, fine horse network interface card etc. is all the card of game points have higher score; The customer relationship algorithm is that be related user group's the payment custom of (like the good friend) of basis and active user is marked to the modes of payments; There are 5 good friends to select the fine horse network interface card like the user; 2 good friends select the walk in the Divine Land card, then the fine horse network interface card proportion by subtraction walk in the Divine Land card score is high; Integration algorithm is that above-mentioned algorithm is made up the algorithm with weighting.Use integration algorithm to the optimization of ranking of user's the modes of payments commonly used among the present invention.
A kind of payment page based on the user comprises the payment tabulation, on the payment page, shows account balance information and modes of payments tabulation simultaneously, and the last successful modes of payments is presented at payment page central authorities, and makes cursor acquiescence focus point in payment page central authorities.In this scheme, be merged into for 1 step to original 2 steps that query the balance and obtain the modes of payments; Mode through the last success payment of database memory user; Cursor is focused on the mode of the last success payment; If this modes of payments is identical with last time, as long as, save troublesome operation such as querying the balance, select the modes of payments by confirming to get into payment.
As preferably, pay custom according to the user, algorithm is placed on the position near payment page central authorities upper and lower, left and right with other user's interest modes of payments according to the rules, can select other modes of payments easily through 4 directionkeys on the mobile phone.
As preferably, the regulation algorithm comprises that the user is accustomed to algorithm, similar type algorithm, customer relationship algorithm and integration algorithm.In the present technique scheme, adopt integration algorithm to optimizations of ranking of user's the modes of payments commonly used, be placed on the central position, upper and lower, left and right of the payment page respectively by score and weight afterwards, make things convenient for the selection of user's one key.
The beneficial effect that the present invention brings is: 1) the most important modes of payments once shows the user, has reduced user's operation steps and stand-by period; 2) the most frequently used modes of payments acquiescence of user focuses on, and lets user's one key just can get into payment; 3) the most frequently used modes of payments is placed on four positions up and down at the center Screen and the inferior important modes of payments, more meets cellphone subscriber's operating habit; 4) through the analysis user behavior,, simplified user's payment behavior, brought good payment to experience in conjunction with mobile phone characteristics optimal design.
Description of drawings
Fig. 1 is a kind of system construction drawing of the present invention;
Fig. 2 is a kind of payment page of the present invention;
Fig. 3 is a kind of payment flow figure of the present invention.
Among the figure: the 1st, mobile phone terminal, the 2nd, payment services interface, the 3rd, proposed algorithm engine, the 4th, user behavior data storehouse, the 5th, the payment page, the 6th, payment tabulation and common function, the 7th, acquiescence cursor point, the 8th, account information.
Embodiment
Pass through embodiment below, and combine accompanying drawing, technical scheme of the present invention is further specified.
Embodiment 1: as shown in Figure 1, and a kind of method of payment, the cell-phone customer terminal 1 acquisition request payment page based on the user; Request back analytic parameter is received in payment services 2, generates the payment page to the request of proposed algorithm engine 3 for the active user, and algorithm engine 3 obtains 4 and gets active user's relevant payment behavioral data from the user behavior data storehouse; The record of paying like nearest success etc.; According to the algorithm (being integration algorithm in the present embodiment) of current configuration, generate the payment page, payment services return to mobile phone terminal 1 with the page that generates; Mobile phone terminal 1 is played up the page; And cursor focused on the center, the centre position shows account balance information to other modes of payments up and down simultaneously on this payment page according to calculating respectively.
Embodiment 2: as shown in Figure 2; A kind of payment page based on the user comprises payment tabulation (and common function) 6, on the payment page 5, shows account information 8 and payment tabulation (and common function) 6 simultaneously; The last successful modes of payments is presented at the payment page 5 central authorities; And making cursor acquiescence focus point 7 in the payment page 5 central authorities, other methods of payment commonly used are placed on the upper and lower, left and right of cursor acquiescence focus point 7 respectively through the integration algorithm ordering.
Shown in Figure 3 is a kind of payment flow figure of walk in the Divine Land card.User on the mobile phone is when needs are paid; Mobile phone terminal 1 obtains the payment page 5; Can see that last time, used walk in the Divine Land card item was focused in payment in the page 5, directly press behind the acknowledgement key input payment cipher and confirm to submit to and promptly accomplish payment, very efficient and convenient.
If select other modes of payments, also only need press a directionkeys and can select, import the password confirming submission afterwards equally and can accomplish payment.
So the present invention has 1) the most important modes of payments once shows the user, reduced user's operation steps and stand-by period; 2) the most frequently used modes of payments acquiescence of user focuses on, and lets user's one key just can get into payment; 3) the most frequently used modes of payments is placed on four positions up and down in center Screen, the inferior important modes of payments, more meets cellphone subscriber's operating habit; 4) simplify user's payment behavior, brought good characteristics such as payment experience.
Claims (7)
1. the method for payment based on the user is characterized in that, this method comprises:
Show account balance information and modes of payments tabulation at the same page;
Mode through the last success of database memory user is paid focuses on cursor on the mode that the last success is paid in the modes of payments tabulation;
Press acknowledgement key and accomplish payment.
2. according to the said a kind of method of payment based on the user of claim 1, it is characterized in that: the successful modes of payments of said the last time is presented at payment page central authorities, and cursor is focused on the successful modes of payments of said the last time.
3. according to claim 1 or 2 said a kind of methods of payment based on the user; It is characterized in that: pay custom according to the user, algorithm is placed on the position near last successful modes of payments upper and lower, left and right with other user's interest modes of payments according to the rules.
4. according to the said a kind of method of payment based on the user of claim 3, it is characterized in that: said regulation algorithm comprises that the user is accustomed to algorithm, similar type algorithm, customer relationship algorithm and integration algorithm.
5. payment page based on the user; Comprise the payment tabulation; It is characterized in that: on the payment page, show account balance information and modes of payments tabulation simultaneously, the last successful modes of payments is presented at payment page central authorities, and makes cursor acquiescence focus point in payment page central authorities.
6. according to the said a kind of payment page based on the user of claim 5, it is characterized in that: pay custom according to the user, algorithm is placed on the position near payment page central authorities upper and lower, left and right with other user's interest modes of payments according to the rules.
7. according to the said a kind of payment page based on the user of claim 6, it is characterized in that: said regulation algorithm comprises that the user is accustomed to algorithm, similar type algorithm, customer relationship algorithm and integration algorithm.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201110211293A CN102314649A (en) | 2011-07-27 | 2011-07-27 | Payment method based on user and payment page |
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| CN201110211293A CN102314649A (en) | 2011-07-27 | 2011-07-27 | Payment method based on user and payment page |
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| CN102314649A true CN102314649A (en) | 2012-01-11 |
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Cited By (15)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102880956A (en) * | 2012-09-13 | 2013-01-16 | 东莞宇龙通信科技有限公司 | Payment server and payment channel integration method |
| WO2014101615A1 (en) * | 2012-12-25 | 2014-07-03 | 中国银联股份有限公司 | Information interaction device and method |
| CN104281940A (en) * | 2013-07-12 | 2015-01-14 | 阿里巴巴集团控股有限公司 | Method and device for providing data processing mode list through communication network |
| CN105205662A (en) * | 2015-11-09 | 2015-12-30 | 联想(北京)有限公司 | Electronic equipment and payment method |
| CN105913239A (en) * | 2015-12-15 | 2016-08-31 | 乐视网信息技术（北京）股份有限公司 | Method for self-adaptively setting default payment mode and device thereof |
| CN106156092A (en) * | 2015-04-01 | 2016-11-23 | 阿里巴巴集团控股有限公司 | Data processing method and device |
| CN106355395A (en) * | 2016-08-26 | 2017-01-25 | 维沃移动通信有限公司 | Payment method and mobile terminal |
| CN106355391A (en) * | 2015-07-16 | 2017-01-25 | 阿里巴巴集团控股有限公司 | Service processing method and device |
| CN106383638A (en) * | 2016-08-26 | 2017-02-08 | 维沃移动通信有限公司 | Paying way displaying method and mobile terminal |
| CN107209885A (en) * | 2014-12-02 | 2017-09-26 | 伊戈尔·万迪莫维奇·布列耶夫 | The payment serviced for consumer remote and the system of communication connection |
| WO2017185349A1 (en) * | 2016-04-29 | 2017-11-02 | 华为技术有限公司 | Transaction method and device based on near-field communication (nfc) |
| CN107545424A (en) * | 2016-06-23 | 2018-01-05 | 腾讯科技（深圳）有限公司 | A kind of data monitoring processing method, device and system |
| CN112036852A (en) * | 2020-08-25 | 2020-12-04 | 北京达佳互联信息技术有限公司 | Payment processing method and device, server and electronic equipment |
| CN112116345A (en) * | 2020-09-28 | 2020-12-22 | 中国银行股份有限公司 | System and method for processing payment card list data |
| CN114706636A (en) * | 2022-01-24 | 2022-07-05 | 阿里巴巴（中国）有限公司 | Payment page display method and device and electronic equipment |
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Cited By (24)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102880956B (en) * | 2012-09-13 | 2016-02-10 | 东莞宇龙通信科技有限公司 | Paying server and payment channel integration method |
| CN102880956A (en) * | 2012-09-13 | 2013-01-16 | 东莞宇龙通信科技有限公司 | Payment server and payment channel integration method |
| WO2014101615A1 (en) * | 2012-12-25 | 2014-07-03 | 中国银联股份有限公司 | Information interaction device and method |
| CN104281940A (en) * | 2013-07-12 | 2015-01-14 | 阿里巴巴集团控股有限公司 | Method and device for providing data processing mode list through communication network |
| CN107209885A (en) * | 2014-12-02 | 2017-09-26 | 伊戈尔·万迪莫维奇·布列耶夫 | The payment serviced for consumer remote and the system of communication connection |
| US10657143B2 (en) | 2015-04-01 | 2020-05-19 | Alibaba Group Holding Limited | Recommending a data handling method for a pending data handling process |
| CN106156092B (en) * | 2015-04-01 | 2019-08-09 | 阿里巴巴集团控股有限公司 | Data processing method and device |
| CN106156092A (en) * | 2015-04-01 | 2016-11-23 | 阿里巴巴集团控股有限公司 | Data processing method and device |
| CN106355391A (en) * | 2015-07-16 | 2017-01-25 | 阿里巴巴集团控股有限公司 | Service processing method and device |
| CN105205662A (en) * | 2015-11-09 | 2015-12-30 | 联想(北京)有限公司 | Electronic equipment and payment method |
| CN105913239A (en) * | 2015-12-15 | 2016-08-31 | 乐视网信息技术（北京）股份有限公司 | Method for self-adaptively setting default payment mode and device thereof |
| US11023881B2 (en) | 2016-04-29 | 2021-06-01 | Huawei Technologies Co., Ltd. | Near field communication NFC-based transaction method and device |
| WO2017185349A1 (en) * | 2016-04-29 | 2017-11-02 | 华为技术有限公司 | Transaction method and device based on near-field communication (nfc) |
| CN109074571B (en) * | 2016-04-29 | 2022-05-06 | 华为技术有限公司 | Transaction method and device based on Near Field Communication (NFC) |
| CN109074571A (en) * | 2016-04-29 | 2018-12-21 | 华为技术有限公司 | Method of commerce and equipment based on near-field communication NFC |
| CN107545424A (en) * | 2016-06-23 | 2018-01-05 | 腾讯科技（深圳）有限公司 | A kind of data monitoring processing method, device and system |
| CN107545424B (en) * | 2016-06-23 | 2020-11-27 | 腾讯科技（深圳）有限公司 | Data monitoring processing method, device and system |
| CN106383638A (en) * | 2016-08-26 | 2017-02-08 | 维沃移动通信有限公司 | Paying way displaying method and mobile terminal |
| CN106383638B (en) * | 2016-08-26 | 2021-09-03 | 维沃移动通信有限公司 | Payment mode display method and mobile terminal |
| CN106355395A (en) * | 2016-08-26 | 2017-01-25 | 维沃移动通信有限公司 | Payment method and mobile terminal |
| CN112036852A (en) * | 2020-08-25 | 2020-12-04 | 北京达佳互联信息技术有限公司 | Payment processing method and device, server and electronic equipment |
| CN112116345A (en) * | 2020-09-28 | 2020-12-22 | 中国银行股份有限公司 | System and method for processing payment card list data |
| CN114706636A (en) * | 2022-01-24 | 2022-07-05 | 阿里巴巴（中国）有限公司 | Payment page display method and device and electronic equipment |
| CN114706636B (en) * | 2022-01-24 | 2024-07-19 | 阿里巴巴（中国）有限公司 | Payment page display method and device and electronic equipment |
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Application publication date: 20120111 |