CN106651357A - Method and device for recommending payment mode - Google Patents
Method and device for recommending payment mode Download PDFInfo
- Publication number
- CN106651357A CN106651357A CN201611010209.1A CN201611010209A CN106651357A CN 106651357 A CN106651357 A CN 106651357A CN 201611010209 A CN201611010209 A CN 201611010209A CN 106651357 A CN106651357 A CN 106651357A
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- China
- Prior art keywords
- user
- payment
- money
- channel
- attribute information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
Abstract
The embodiment of the invention provides a method and a device for recommending a payment mode. The method comprises steps: in response to operation of a user entering a payment interface, the attribute information of the user is acquired; according to the attribute information, a recommended payment mode corresponding to the user is determined; and the recommended payment mode is displayed, wherein the attribute information comprises at least one piece of information selected from an accumulated consumption amount of the user, a channel of the user and the current geographical position of the user, and the channel of the user is the channel for downloading an application used by the user. Thus, a different payment mode can be recommended for a different user according to the actual condition of each user, and the shopping experience of the user is improved. Besides, the embodiment of the invention also provides a device for recommending a payment mode.
Description
Technical field
Embodiments of the present invention are related to Internet technical field, more specifically, embodiments of the present invention are related to one kind
The means of payment recommends method and apparatus.
Background technology
This part is it is intended that the embodiments of the present invention stated in claims provide background or context.Herein
Description is not because be included in this part just recognize it is prior art.
Payment is that user carries out one of of paramount importance basic flow process during shopping at network, current abundant third party
Pay platform and provide various means of payment for each shopping at network platform, when user (should in the corresponding APP of the shopping at network platform
With program, positioned at user terminal) in when carrying out delivery operation, shopping at network platform be user recommend in advance with the shopping at network
The payment certain mode of platform binding, such as Alipay, wechat.
The means of payment of current this recommendation payment certain mode recommends method, when the payment of shopping at network platform binding
When mode is more, all means of payment that can be bound all recommend user, and this will to a certain extent cause resource wave
The problem taken, additionally, all with recommending the same means of payment per family in for consolidated network shopping platform, it is impossible to according to
The practical situation at family is that user recommends the corresponding means of payment, and this will result in the poor problem of purchase experiences of user.
The content of the invention
The means of payment of the prior art recommends method, when the means of payment of shopping at network platform binding is more, can be by
All means of payment of its binding all recommend user, and this will to a certain extent cause the problem of the wasting of resources, additionally, pin
It is all with recommending the same means of payment per family in consolidated network shopping platform, it is impossible to according to the practical situation of user to be use
The corresponding means of payment is recommended at family, and this will result in the poor problem of purchase experiences of user.For this purpose, being highly desirable to a kind of payment
Mode recommends method, is that user recommends the suitable means of payment to the practical situation for different user, so as to save resources
And improve Consumer's Experience.
In the present context, embodiments of the present invention expect that providing a kind of means of payment recommends method and apparatus.
In the first aspect of embodiment of the present invention, there is provided a kind of means of payment recommends method, including：
The operation of payment interface is entered in response to user, the attribute information of the user is obtained；
According to the attribute information, the corresponding recommendation means of payment of the user is determined；And
Show the recommendation means of payment；
Wherein, the attribute information includes following at least one：
The cumulative consumption amount of money of the user, the channel of the user and the user are currently located geographical position, its
In, the download channel of the application program that the channel of the user is used by the user.
In the second aspect of embodiment of the present invention, there is provided a kind of means of payment recommendation apparatus, including：
Acquisition module, for entering the operation of payment interface in response to user, obtains the attribute information of the user；
Determining module, for according to the attribute information, determining the corresponding recommendation means of payment of the user；
Display module, for showing the recommendation means of payment；
Wherein, the attribute information includes following at least one：
The cumulative consumption amount of money of the user, the channel of the user and the user are currently located geographical position, its
In, the download channel of the application program that the channel of the user is used by the user.
In the third aspect of embodiment of the present invention, there is provided a kind of means of payment recommendation apparatus, for example, can include
Memorizer and processor, wherein, processor can be used for reading the program in memorizer, perform following process：
The operation of payment interface is entered in response to user, the attribute information of the user is obtained；
According to the attribute information, the corresponding recommendation means of payment of the user is determined；And
Show the recommendation means of payment；
Wherein, the attribute information includes following at least one：
The cumulative consumption amount of money of the user, the channel of the user and the user are currently located geographical position, its
In, the download channel of the application program that the channel of the user is used by the user.
In the fourth aspect of embodiment of the present invention, there is provided a kind of program product, it includes program code, when described
When program product runs, described program code is used to perform procedure below：
The operation of payment interface is entered in response to user, the attribute information of the user is obtained；
According to the attribute information, the corresponding recommendation means of payment of the user is determined；And
Show the recommendation means of payment；
Wherein, the attribute information includes following at least one：
The cumulative consumption amount of money of the user, the channel of the user and the user are currently located geographical position, its
In, the download channel of the application program that the channel of the user is used by the user.
Method and apparatus is recommended according to the means of payment of embodiment of the present invention, by the cumulative consumption gold according to user
At least one attribute information in the geographical position that volume, the channel of user and user are currently located, determines that user is corresponding and pushes away
The means of payment is recommended, and recommends its corresponding recommendation means of payment to user, targetedly can recommend the means of payment to user,
Rather than all means of payment are recommended into user, so as to save resource to a certain extent, further, since different user
Attribute information be not quite similar, can be pushed away for different user according to the practical situation of each user hence with embodiment of the present invention
The different means of payment are recommended, the purchase experiences of user are improved.
Description of the drawings
Detailed description below, above-mentioned and other mesh of exemplary embodiment of the invention are read by reference to accompanying drawing
, feature and advantage will become prone to understand.In the accompanying drawings, if showing the present invention's by way of example, and not by way of limitation
Dry embodiment, wherein：
Fig. 1 schematically shows the application scenarios schematic diagram according to embodiment of the present invention；
Fig. 2 schematically shows the schematic flow sheet that a kind of means of payment according to embodiments of the present invention recommends method；
Fig. 3 schematically shows the corresponding method for recommending the means of payment of determination user according to an embodiment of the invention
Schematic flow sheet；
Fig. 4 schematically shows the side of the corresponding recommendation means of payment of determination user according to another embodiment of the present invention
Method schematic flow sheet；
Fig. 5 schematically shows the side of the corresponding recommendation means of payment of determination user according to further embodiment of this invention
Method schematic flow sheet；
Fig. 6 schematically shows the side of the corresponding recommendation means of payment of determination user according to yet another embodiment of the invention
Method schematic flow sheet；
Fig. 7 schematically shows the side of the corresponding recommendation means of payment of determination user for entering an embodiment according to the present invention
Method schematic flow sheet；
Fig. 8 schematically shows the side of the corresponding recommendation means of payment of determination user according to a more embodiment of the invention
Method schematic flow sheet；
Fig. 9 schematically shows a kind of structural representation of means of payment recommendation apparatus according to an embodiment of the invention
Figure.
In the accompanying drawings, identical or corresponding label represents identical or corresponding part.
Specific embodiment
The principle and spirit of the present invention are described below with reference to some illustrative embodiments.It should be appreciated that providing this
A little embodiments are of the invention just for the sake of better understood when those skilled in the art and then realizing, and not with any
Mode limits the scope of the present invention.Conversely, these embodiments are provided so that the disclosure is more thorough and complete, and energy
It is enough that the scope of the present disclosure is intactly conveyed to those skilled in the art.
One skilled in the art will appreciate that embodiments of the present invention can be implemented as a kind of system, device, equipment, method
Or computer program.Therefore, the disclosure can be implemented as following form, i.e.,：Completely hardware, completely software
(including firmware, resident software, microcode etc.), or the form that hardware and software is combined.
According to the embodiment of the present invention, it is proposed that a kind of means of payment recommends method and apparatus.
Herein, any number of elements in accompanying drawing is used to example and unrestricted, and any name is only used for
Distinguish, not with any limitation.
Below with reference to some representative embodiments of the present invention, the in detail principle and spirit of the explaination present invention.
Summary of the invention
The inventors discovered that, the means of payment of the prior art recommends method, when the payer of shopping at network platform binding
When formula is more, all means of payment that can be bound all recommend user, and this will to a certain extent cause the wasting of resources
Problem, additionally, all with recommending the same means of payment per family in for consolidated network shopping platform, it is impossible to according to user
Practical situation be that user recommends the corresponding means of payment, this will result in the poor problem of purchase experiences of user.
For this purpose, the invention provides a kind of means of payment recommends method and apparatus, the method to include：In response to user
Into the operation of payment interface, the attribute information of the user is obtained；According to the attribute information, determine that the user is corresponding
Recommend the means of payment；And the display recommendation means of payment；Wherein, the attribute information includes following at least one：It is described
The cumulative consumption amount of money of user, the channel of the user and the user are currently located geographical position, wherein, the user
The download channel of application program that used by the user of channel.
After the ultimate principle for describing the present invention, lower mask body introduces the various non-limiting embodiment party of the present invention
Formula.
Application scenarios overview
With reference first to Fig. 1, as shown in figure 1, for the application scenarios of means of payment suggested design provided in an embodiment of the present invention
Schematic diagram, including user terminal 101 and server 102, wherein, user 10 passes through user terminal 101, more specifically, user's end
The corresponding application client of mounted shopping at network platform, interacts with server 102 in end 101.More specifically,
User 10 is to be registered to the user in the shopping at network platform by the application client, and user 10 can be using the application
Programmatic client is done shopping, and user 10 submits to enter paying boundary to by the application client installed in user terminal 101
The request in face, application client or server 102 (network side server of shopping at network platform) enter in response to user
Enter the operation of payment interface, obtain the attribute information of the user；According to the attribute information, determine that the user is corresponding and push away
Recommend the means of payment；And the display recommendation means of payment；Wherein, the attribute information includes following at least one：The use
The cumulative consumption amount of money at family, the channel of the user and the user are currently located geographical position, wherein, the user's
The download channel of the application program that channel is used by the user.Wherein, communication network can be LAN, wide area network etc.；
User terminal 101 can be for portable equipment (for example：Mobile phone, flat board, notebook computer etc.), or PC (PC,
Personal Computer)。
Illustrative methods
With reference to the application scenarios of Fig. 1, propping up according to exemplary embodiment of the invention is described with reference to Fig. 2～Fig. 8
The mode of paying recommends method.It should be noted that above-mentioned application scenarios be for only for ease of understand spirit and principles of the present invention and
Illustrate, embodiments of the present invention are unrestricted in this regard.Conversely, embodiments of the present invention can apply to be suitable for
Any scene.
Fig. 2 recommends the schematic flow sheet of an embodiment of method for a kind of means of payment that the present invention is provided, and mainly includes
Recommend the flow process of the means of payment to user, executive agent can be server 102 or user terminal in application scenarios overview
10 (application clients installed more specifically in user terminal) or part steps are performed by server, in addition
Part steps are performed by user terminal.As shown in Fig. 2 a kind of means of payment provided in an embodiment of the present invention recommends method, including
Following steps：
Step 201, in response to user the operation of payment interface is entered, and obtains the attribute information of the user.
In this step, user for according to the user of account and identification number register to the shopping at network platform, now in network
The corresponding account of the user is input in the corresponding subscriber terminal side application program of shopping platform (also referred to as application client)
Shopping operation can be carried out with password.When the user selectes commodity or needs to carry out supplementing operation with money by the application program,
The operation into payment interface can be performed.The operation of payment interface is entered in response to the user, the attribute information of the user is obtained,
Wherein, the attribute information of user includes following at least one：The cumulative consumption amount of money of the user, the channel of the user, with
And the user is currently located geographical position, wherein, under the application program that the channel of the user is used by the user
Carry channel, it should be noted that the application program that user is used be shopping at network platform that the user is registered to
The application program of family end side, such as, user is according to account and identification number register to this shopping at network platform of Netease koala
In user, then the application program that the user is used be network koala subscriber terminal side application program.
Step 202, according to the attribute information, determines the corresponding recommendation means of payment of the user.
When being embodied as, the means of payment for being intended to recommend for user is determined according to the attribute information of user, such as according to user
The geographical position at place, to user the means of payment that the corresponding area in the geographical position supported is recommended.
Step 203, shows the recommendation means of payment.
In this step, the corresponding recommendation means of payment of user is shown, for user's selection.
The embodiment of the present invention, is currently located by the cumulative consumption amount of money according to user, the channel of user and user
At least one attribute information in geographical position, determines the corresponding recommendation means of payment of user, and displays to the user that its is corresponding
Recommend the means of payment, targetedly can recommend the means of payment to user, rather than all means of payment are recommended into use
Family, so as to saving the control of resource and effective control each means of payment usage amount to a certain extent, reaching rationally point
The effect of stream, further, since the attribute information of different user is not quite similar, can be according to each hence with embodiment of the present invention
The attribute information of user makes a distinction to user, is that different user recommends the different means of payment, reduces user in payment flow
In interference, improve user payment efficiency and purchase experiences.
Preferably, in the case of the channel of user is included in attribute information, the content that can be provided according to Fig. 3, according to described
Attribute information, determines the corresponding recommendation means of payment of the user：
Step 301, according to default channel and the corresponding relation of the means of payment, determines corresponding to the channel of the user
The means of payment.
When being embodied as, the corresponding relation for downloading channel and the means of payment of application program is preset, according to the correspondence
Relation determines the means of payment corresponding to the channel of the user.In actual applications shopping at network platform can pass through different canals
Road is promoted, to attract more users to download the corresponding subscriber terminal side application program of the shopping at network platform, each channel
At least one means of payment can be corresponded to, such as, if by wechat popularization and application program, the corresponding means of payment is wechat
Pay, if by Alipay popularization and application program, the corresponding means of payment is Alipay payment, if passing through Fructus Mali pumilae APP store
Popularization and application program, then the corresponding means of payment is apple pay etc..
Step 302, the means of payment according to corresponding to the channel of the user determines that the user is corresponding and recommends to pay
Mode.
When being embodied as, the certain amount kind means of payment in the means of payment corresponding to the channel of user can be randomly choosed
As the corresponding recommendation means of payment of user, the corresponding recommendation means of payment of user also can be otherwise determined, here not
Limit.
In the case where the attribute information of user is only including the channel of user, it is preferable that in such a way according to described
The means of payment corresponding to the channel of user, determines the corresponding recommendation means of payment of the user：
The means of payment corresponding to the channel of the user is defined as into the corresponding recommendation means of payment of the user.
Preferably, in the case that the attribute information in user includes the channel of user and the cumulative consumption amount of money of user,
The content that can be provided according to Fig. 4, the means of payment according to corresponding to the channel of the user determines the corresponding recommendation of the user
The means of payment：
Step 401, determines the cumulative consumption amount of money institute of the means of payment corresponding to the channel of the user and the user
The common factor of the corresponding means of payment of amount of money scope of category.
Step 402, by the means of payment in the common factor the corresponding recommendation means of payment of the user is defined as.
Wherein, the corresponding payment of amount of money scope belonging to the cumulative consumption amount of money of the user can in such a way be determined
Mode：According to default amount of money scope and the corresponding relation of the means of payment, determine belonging to the cumulative consumption amount of money of the user
The corresponding means of payment of amount of money scope, wherein, the cumulative consumption amount of money is bigger, the amount of money scope correspondence belonging to the cumulative consumption amount of money
The means of payment single allow the dealing money upper limit it is bigger.Wherein, an amount of money scope at least corresponds to a kind of means of payment, than
Include 0～100 such as amount of money scope, 101～200,201～300, to allow the dealing money upper limit be 200 for the single of means of payment A,
It is 300 that the single of means of payment B allows the dealing money upper limit, the single of means of payment C allow the dealing money upper limit be 400,0～
The 100 corresponding means of payment are A, and 101～200 corresponding means of payment are B, and 201～300 corresponding means of payment are C, if really
The cumulative consumption amount of money for determining user belongs to amount of money scope 101～200, then the amount of money scope pair described in the cumulative consumption amount of money of user
The means of payment answered is B.
When being embodied as, the supported single of each means of payment allows the dealing money upper limit different, when user's
When the cumulative consumption amount of money is larger, can provide the user single allows the larger means of payment of dealing money, so that user is one
Determine the restriction that the single transaction amount of money upper limit is broken away from degree.
Preferably, the attribute information in user includes that the channel of user and user are currently located the situation in geographical position
Under, the content that can be provided according to Fig. 5, the means of payment according to corresponding to the channel of the user determines that the user is corresponding
Recommend the means of payment：
Step 501, determines that the means of payment corresponding to the channel of the user is currently located geographical position with the user
The common factor of the corresponding means of payment.
Step 502, by the means of payment in the common factor the corresponding recommendation means of payment of the user is defined as.
When being embodied as, the area that different geographical position is located may support the different means of payment, or different
Paying mode operator can strongly promote its means of payment in different regions, therefore, the area that the geographical position that user is located is located
The corresponding means of payment in this area may be supported, wherein, a kind of means of payment is at least supported in an area.
Wherein, can in such a way determine that the user is currently located the corresponding means of payment in geographical position：According to pre-
If geographical position and the means of payment corresponding relation, determine that the user is currently located the corresponding means of payment in geographical position.
Preferably, the attribute information in user includes that channel, the cumulative consumption amount of money of user and the user of user are current
In the case of geographic location, the content that can be provided according to Fig. 6, the means of payment according to corresponding to the channel of the user,
Determine the corresponding recommendation means of payment of the user, including：
Step 601, determines belonging to the means of payment corresponding to the channel of the user, the cumulative consumption amount of money of the user
The corresponding means of payment of amount of money scope and the user be currently located the common factor of the corresponding means of payment in geographical position.
Step 602, by the means of payment in the common factor the corresponding recommendation means of payment of the user is defined as.
Wherein it is determined that the corresponding means of payment of amount of money scope and user belonging to the cumulative consumption amount of money of the user is worked as
The mode of the corresponding means of payment in front geographic location can be found in described above, not repeat here.
Determine that the mode of the corresponding means of payment of channel of user can be according to step 301 offer in Fig. 4, Fig. 5 and Fig. 6
Mode determines, does not repeat here.
Preferably, in the case where the attribute information of user is currently located geographical position including the user, can be according to Fig. 7
The content of offer, according to the attribute information, determines the corresponding recommendation means of payment of the user, including：
Step 701, according to default geographical position and the corresponding relation of the means of payment, determines that the user is currently located ground
The corresponding means of payment in reason position.
Step 702, the user is currently located into the corresponding means of payment in geographical position, and to be defined as the user corresponding
Recommend the means of payment.
Preferably, in the case where the attribute information of user includes the cumulative consumption amount of money of the user, can carry according to Fig. 8
For content, according to the attribute information, determine the corresponding recommendation means of payment of the user, including：
Step 801, according to default amount of money scope and the corresponding relation of the means of payment, determines the cumulative consumption of the user
The corresponding means of payment of amount of money scope belonging to the amount of money, wherein, the cumulative consumption amount of money is bigger, the gold belonging to the cumulative consumption amount of money
The single of the corresponding means of payment of volume scope allows the dealing money upper limit bigger.
Step 802, by the corresponding means of payment of amount of money scope belonging to the cumulative consumption amount of money of the user institute is defined as
State the corresponding recommendation means of payment of user.
It should be noted that when the attribute information of user includes multinomial, it is determined that the corresponding payer of every attribute information
The common factor of formula, the means of payment during this is occured simultaneously is defined as the corresponding recommendation means of payment of user.
Preferably, the recommendation means of payment is shown in such a way：
Belong to the white name of the default means of payment in the setting position of the payment interface shows the recommendation means of payment
List and it is not belonging to the means of payment of default means of payment blacklist.
Wherein, the means of payment in means of payment white list can recommend to user, and the payment in means of payment blacklist
Mode can not recommend to user, when the same means of payment not only in means of payment white list but also in the means of payment blacklist when, no
The means of payment can be recommended to user.
Preferably, when being embodied as, can be by for the attribute information pair of the acquiescence means of payment of all users and user
The means of payment answered is defined as the corresponding recommendation means of payment of user jointly.
Example devices
After the means of payment recommendation method for describing exemplary embodiment of the invention, next, with reference to Fig. 9 descriptions
The means of payment recommendation apparatus of exemplary embodiment of the invention.
Fig. 9 is a kind of structural representation of means of payment recommendation apparatus provided in an embodiment of the present invention, as shown in figure 9, can
To include such as lower module：
Acquisition module 901, for entering the operation of payment interface in response to user, obtains the attribute information of the user；
Determining module 902, for according to the attribute information, determining the corresponding recommendation means of payment of the user；
Display module 903, for showing the recommendation means of payment；Wherein, the attribute information includes following at least one
Kind：The cumulative consumption amount of money of the user, the channel of the user and the user are currently located geographical position, wherein, institute
State the download channel of the application program that the channel of user is used by the user.
Preferably, the determining module 902 includes the first determining unit 9021, the second determining unit 9022, the attribute
In the case that information includes the channel of the user, first determining unit 9021, for according to default channel and payment
The corresponding relation of mode, determines the means of payment corresponding to the channel of the user；
Second determining unit 9022, for the means of payment according to corresponding to the channel of the user, it is determined that described
The corresponding recommendation means of payment of user.
Preferably, second determining unit 9022 specifically for：
The means of payment corresponding to the channel of the user is defined as into the corresponding recommendation means of payment of the user.
Preferably, in the case that the attribute information is also including the cumulative consumption amount of money of the user, described second determines
Unit 9022 specifically for：
Determine the amount of money belonging to the cumulative consumption amount of money of the means of payment corresponding to the channel of the user and the user
The common factor of the corresponding means of payment of scope；
The means of payment in the common factor is defined as into the corresponding recommendation means of payment of the user；
Preferably, the determining module 902 also includes：
3rd determining unit 9023, for determining the amount of money belonging to the cumulative consumption amount of money of the user in such a way
The corresponding means of payment of scope：
According to default amount of money scope and the corresponding relation of the means of payment, determine belonging to the cumulative consumption amount of money of the user
The corresponding means of payment of amount of money scope, wherein, the cumulative consumption amount of money is bigger, the amount of money scope pair belonging to the cumulative consumption amount of money
The single of the means of payment answered allows the dealing money upper limit bigger.
Preferably, in the case that the attribute information is also currently located geographical position including the user, described second is true
Order unit 9022 specifically for：
Determine that the means of payment corresponding to the channel of the user is currently located corresponding of geographical position with the user
The common factor of the mode of paying；
The means of payment in the common factor is defined as into the corresponding recommendation means of payment of the user；
Preferably, the determining unit 902 also includes：4th determining unit 9024, for determining institute in such a way
State user and be currently located the corresponding means of payment in geographical position：
According to default geographical position and the corresponding relation of the means of payment, determine that the user is currently located geographical position pair
The means of payment answered.
Preferably, the attribute information is also currently located ground including the cumulative consumption amount of money and the user of the user
Reason position in the case of, second determining unit 9022 specifically for：
Determine the means of payment corresponding to the channel of the user, the amount of money model belonging to the cumulative consumption amount of money of the user
Enclose the common factor that the corresponding means of payment and the user are currently located the corresponding means of payment in geographical position；
The means of payment in the common factor is defined as into the corresponding recommendation means of payment of the user.
Preferably, the 3rd determining unit 9023 is used to determine the cumulative consumption amount of money of the user in such a way
The affiliated corresponding means of payment of amount of money scope：
According to default amount of money scope and the corresponding relation of the means of payment, determine belonging to the cumulative consumption amount of money of the user
The corresponding means of payment of amount of money scope, wherein, the cumulative consumption amount of money is bigger, the amount of money scope pair belonging to the cumulative consumption amount of money
The single of the means of payment answered allows the dealing money upper limit bigger；
4th determining unit 9024 is used to determine that the user is currently located geographical position correspondence in such a way
The means of payment：
According to default geographical position and the corresponding relation of the means of payment, determine that the user is currently located geographical position pair
The means of payment answered.
Preferably, in the case that the attribute information is currently located geographical position including the user, the determining module
902, also include：
5th determining unit 9025, determines for the user to be currently located into the corresponding means of payment in geographical position
For the corresponding recommendation means of payment of the user.
Preferably, the display module 903 specifically for：
Belong to the white name of the default means of payment in the setting position of the payment interface shows the recommendation means of payment
List and it is not belonging to the means of payment of default means of payment blacklist.
Preferably, the display module 903 is additionally operable to：
The corresponding acquiescence of application program that the user is used also is shown in the setting position of the payment interface
The mode of paying.
Although it should be noted that being referred to some modules of equipment in above-detailed, this division is only
Exemplary is not enforceable.In fact, according to the embodiment of the present invention, the spy of above-described two or more modules
Function of seeking peace can embody in a module.Conversely, the feature and function of an above-described module can be further
It is divided into by multiple modules to embody.
Although additionally, describe the operation of the inventive method with particular order in the accompanying drawings, this do not require that or
Hint must perform according to the particular order these operation, or the operation having to carry out shown in whole could realize it is desired
As a result.Additionally or alternatively, it is convenient to omit some steps, multiple steps are merged into into a step to perform, and/or by one
Step is decomposed into execution of multiple steps.
Although describing spirit and principles of the present invention by reference to some specific embodiments, it should be appreciated that, this
Invention is not limited to disclosed specific embodiment, and the division to each side does not mean that the feature in these aspects can not yet
Combination is this to divide merely to the convenience of statement to be benefited.It is contemplated that cover claims spirit and
In the range of included various modifications and equivalent arrangements.
Claims (10)
1. a kind of means of payment recommends method, including：
The operation of payment interface is entered in response to user, the attribute information of the user is obtained；
According to the attribute information, the corresponding recommendation means of payment of the user is determined；And
Show the recommendation means of payment；
Wherein, the attribute information includes following at least one：
The cumulative consumption amount of money of the user, the channel of the user and the user are currently located geographical position, wherein,
The download channel of the application program that the channel of the user is used by the user.
2. method according to claim 1, wherein, in the case that the attribute information includes the channel of the user, root
According to the attribute information, the corresponding recommendation means of payment of the user is determined, including：
According to default channel and the corresponding relation of the means of payment, the means of payment corresponding to the channel of the user is determined；
The means of payment according to corresponding to the channel of the user, determines the corresponding recommendation means of payment of the user.
3. method according to claim 2, wherein, the means of payment according to corresponding to the channel of the user determines institute
The corresponding recommendation means of payment of user is stated, including：
The means of payment corresponding to the channel of the user is defined as into the corresponding recommendation means of payment of the user.
4. method according to claim 2, wherein, the attribute information is also including the cumulative consumption amount of money of the user
In the case of, the means of payment according to corresponding to the channel of the user determines the corresponding recommendation means of payment of the user, bag
Include：
Determine the amount of money scope belonging to the cumulative consumption amount of money of the means of payment corresponding to the channel of the user and the user
The common factor of the corresponding means of payment；
The means of payment in the common factor is defined as into the corresponding recommendation means of payment of the user；
Wherein, the corresponding means of payment of amount of money scope belonging to the cumulative consumption amount of money of the user is determined in such a way：
According to default amount of money scope and the corresponding relation of the means of payment, the gold belonging to the cumulative consumption amount of money of the user is determined
The corresponding means of payment of volume scope, wherein, the cumulative consumption amount of money is bigger, and the amount of money scope belonging to the cumulative consumption amount of money is corresponding
The single of the means of payment allows the dealing money upper limit bigger.
5. method according to claim 2, wherein, the attribute information is also currently located geographical position including the user
In the case of, the means of payment according to corresponding to the channel of the user determines the corresponding recommendation means of payment of the user, bag
Include：
Determine that the means of payment corresponding to the channel of the user and the user are currently located the corresponding payer in geographical position
The common factor of formula；
The means of payment in the common factor is defined as into the corresponding recommendation means of payment of the user；
Wherein, determine that the user is currently located the corresponding means of payment in geographical position in such a way：
According to default geographical position and the corresponding relation of the means of payment, determine that the user is currently located geographical position corresponding
The means of payment.
6. method according to claim 2, wherein, the attribute information also including the user the cumulative consumption amount of money with
And in the case that the user is currently located geographical position, the means of payment according to corresponding to the channel of the user determines institute
The corresponding recommendation means of payment of user is stated, including：
Determine the means of payment corresponding to the channel of the user, the amount of money scope pair belonging to the cumulative consumption amount of money of the user
The means of payment answered and the user are currently located the common factor of the corresponding means of payment in geographical position；
The means of payment in the common factor is defined as into the corresponding recommendation means of payment of the user；
Wherein, the corresponding means of payment of amount of money scope belonging to the cumulative consumption amount of money of the user is determined in such a way：
According to default amount of money scope and the corresponding relation of the means of payment, the gold belonging to the cumulative consumption amount of money of the user is determined
The corresponding means of payment of volume scope, wherein, the cumulative consumption amount of money is bigger, and the amount of money scope belonging to the cumulative consumption amount of money is corresponding
The single of the means of payment allows the dealing money upper limit bigger；
Determine that the user is currently located the corresponding means of payment in geographical position in such a way：
According to default geographical position and the corresponding relation of the means of payment, determine that the user is currently located geographical position corresponding
The means of payment.
7. method according to claim 1, wherein, the attribute information is currently located geographical position including the user
In the case of, according to the attribute information, determine the corresponding recommendation means of payment of the user, including：
According to default geographical position and the corresponding relation of the means of payment, determine that the user is currently located geographical position corresponding
The means of payment；
The user is currently located into the corresponding means of payment in geographical position and is defined as the corresponding recommendation means of payment of the user.
8. method according to claim 1, wherein, the recommendation means of payment is shown, including：
The payment interface setting position show it is described recommendation the means of payment in belong to default means of payment white list and
It is not belonging to the means of payment of default means of payment blacklist.
9. method according to claim 8, also includes：
The corresponding acquiescence payer of application program that the user is used also is shown in the setting position of the payment interface
Formula.
10. a kind of means of payment recommendation apparatus, including：
Acquisition module, for entering the operation of payment interface in response to user, obtains the attribute information of the user；
Determining module, for according to the attribute information, determining the corresponding recommendation means of payment of the user；
Display module, for showing the recommendation means of payment；
Wherein, the attribute information includes following at least one：
The cumulative consumption amount of money of the user, the channel of the user and the user are currently located geographical position, wherein,
The download channel of the application program that the channel of the user is used by the user.
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| CN112256181A (en) * | 2020-10-26 | 2021-01-22 | 北京达佳互联信息技术有限公司 | Interaction processing method and device, computer equipment and storage medium |
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