CN108022096A - A kind of method of mobile payment, device, terminal and readable storage medium storing program for executing - Google Patents
A kind of method of mobile payment, device, terminal and readable storage medium storing program for executing Download PDFInfo
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- CN108022096A CN108022096A CN201711447100.9A CN201711447100A CN108022096A CN 108022096 A CN108022096 A CN 108022096A CN 201711447100 A CN201711447100 A CN 201711447100A CN 108022096 A CN108022096 A CN 108022096A
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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
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
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Abstract
The embodiment of the present invention provides a kind of method of mobile payment, device, terminal and readable storage medium storing program for executing, and comparatively laborious, the relatively low technical problem of payment efficiency is operated when carrying out mobile payment by Quick Response Code for solving terminal in the prior art.This method includes：Receive the start-up operation of the payment application for terminal；Determine the corresponding target retail shop of current geographic position of the terminal；Respond the start-up operation, the display payment interface corresponding with the target retail shop in the application interface for paying application, realize in payment process, user can open the corresponding payment interface of retail shop without using terminal scanning Quick Response Code, rapidly enter the corresponding payment interface of retail shop, user need not find and scanning retail shop Quick Response Code, payment efficiency are higher.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of method of mobile payment, device, terminal and readable storage
Medium.
Background technology
With the development of science and technology, terminal all brings great convenience to daily life and work.For example,
User can be communicated by the application program installed in mobile phone, shopping, navigation etc..
At present, user can be paid when using terminal carries out mobile payment by scanning the Quick Response Code of businessman.Example
Such as, user bought in shop commodity carry out checkout payment when, according to mobile payment, user need first is searched in shop
To the Quick Response Code of businessman, then open the scan function scanning businessman for paying application, and then opening payment application corresponding in mobile phone
Quick Response Code, to enter volume payment interface, and then paid.
It can be seen from the above that terminal operates comparatively laborious, payment effect when carrying out mobile payment by Quick Response Code in the prior art
Rate is relatively low.
The content of the invention
The embodiment of the present invention provides a kind of method of mobile payment, device, terminal and readable storage medium storing program for executing, existing for solving
Terminal operates comparatively laborious, the relatively low technical problem of payment efficiency when carrying out mobile payment by Quick Response Code in technology.
In a first aspect, the embodiment of the present invention provides a kind of method of mobile payment, comprise the following steps：
Receive the start-up operation of the payment application for terminal；
Determine the corresponding target retail shop of current geographic position of the terminal；
The start-up operation is responded, the display branch corresponding with the target retail shop in the application interface for paying application
Pay interface.
Optionally, the corresponding target retail shop of current geographic position of the terminal is determined, including：
Obtain the current geographic position of the terminal；
According to geographical location and the correspondence of retail shop, the corresponding target retail shop of the current geographic position is determined.
Optionally, after the corresponding target retail shop of current geographic position of the terminal is determined, the method further includes：
The corresponding retail shop's information that prestores of the target retail shop is obtained, the retail shop's information that prestores includes the retail shop's environment to prestore
And/or retail shop's mark；
In the application interface for paying application before display payment interface corresponding with the target retail shop, the side
Method further includes：
By the ambient image of the image acquisition device current environment of the terminal, the ambient image includes using
In at least one retail shop's characteristic information for characterizing corresponding retail shop；
The retail shop's information that prestores is matched with least one retail shop's characteristic information of the ambient image；
The retail shop's information that prestores described in determining and the matching degree of at least one retail shop's characteristic information are more than preset matching degree.
Optionally, the start-up operation is responded, display and the target retail shop in the application interface for paying application
Corresponding payment interface, including：
The start-up operation is responded, obtains the corresponding bank settlement information of the target retail shop；
According to the bank settlement information, the bank settlement information is shown in the application interface for paying application.
Optionally, in the application interface for paying application corresponding with the target retail shop payment interface of display it
Afterwards, the method further includes：
The delivery operation carried out for the payment interface is received, the delivery operation includes payment and/or payment
Verification；
Payment for the target retail shop is carried out according to the delivery operation.
Second aspect, the embodiment of the present invention provide a kind of mobile payment device, including：
Receiving module, for receiving the start-up operation of the payment application for terminal；
Determining module, the corresponding target retail shop of current geographic position for determining the terminal；
Operation module, for responding the start-up operation, display and the mesh in the application interface for paying application
Mark the corresponding payment interface of retail shop.
Optionally, the determining module is used for：
Obtain the current geographic position of the terminal；
According to geographical location and the correspondence of retail shop, the corresponding target retail shop of the current geographic position is determined.
Optionally, the mobile payment device further includes：
Acquisition module, for determine the terminal the corresponding target retail shop of current geographic position after, described in acquisition
The corresponding retail shop's information that prestores of target retail shop, the retail shop's information that prestores include the retail shop's environment to prestore and/or retail shop's mark；
Acquisition module, for display payment circle corresponding with the target retail shop in the application interface for paying application
Before face, the ambient image that the terminal is presently in environment is gathered, the ambient image includes being used to characterize corresponding retail shop
At least one retail shop's characteristic information；
Matching module, for by least one retail shop's characteristic information of prestore retail shop's information and the ambient image into
Row matching, and determine described to prestore retail shop's information and the matching degree of at least one retail shop's characteristic information is more than preset matching
Degree.
Optionally, operation module is used for：The start-up operation is responded, obtains the corresponding bank settlement letter of the target retail shop
Breath；According to the bank settlement information, the bank settlement information is shown in the application interface for paying application.
Optionally, the mobile payment device further includes：Receiving module, in the application interface for paying application
After display payment interface corresponding with the target retail shop, the delivery operation carried out for the payment interface is received, it is described
Delivery operation includes payment and/or payment verification；
Payment module, for carrying out the payment for the target retail shop according to the delivery operation.
The third aspect, the embodiment of the present invention provide a kind of terminal, and the terminal includes processor, and the processor is used to hold
Method as described in relation to the first aspect is realized during the computer program stored in line storage.
Fourth aspect, the embodiment of the present invention provide a kind of readable storage medium storing program for executing, which is stored with computer
Instruction, when described instruction is being run in terminal so that the terminal performs method as described in relation to the first aspect.
In the embodiment of the present invention, terminal passes through the current geographic position of terminal when receiving the start-up operation for paying application
Corresponding target retail shop is put, and then terminal is by responding start-up operation, you can display and mesh in the application interface for paying application
The corresponding payment interface of retail shop is marked, therefore, in payment process, user can open retail shop without using terminal scanning Quick Response Code
Corresponding payment interface, rapidly enters the corresponding payment interface of retail shop, and user need not find retail shop's Quick Response Code, payment efficiency compared with
It is high.
Brief description of the drawings
Fig. 1 is the flow chart of method of mobile payment in the embodiment of the present invention；
Fig. 2 is the module map of mobile payment device of the embodiment of the present invention；
Fig. 3 is the structure diagram of terminal of the embodiment of the present invention.
Embodiment
In order to make the object, technical solutions and advantages of the present invention clearer, the present invention is made below in conjunction with attached drawing into
One step it is described in detail, it is clear that the described embodiment only a part of embodiment of the present invention, rather than whole implementation
Example.Based on the embodiments of the present invention, those of ordinary skill in the art are obtained without making creative work
All other embodiment, belongs to the scope of protection of the invention.
First, the part term in the embodiment of the present invention is explained, in order to skilled artisan understands that.
(1) terminal, can be the electronic equipment with wireless payment, and terminal can pass through wireless communication function and clothes
Business device is attached and communicates.Optionally, multiple application programs (Application, App) can be installed in terminal, such as
Alipay application, QQ applications, wechat etc..In practical applications, terminal can carry out phase by the application with payment function
The payment function answered.
(2) and/or, the incidence relation of affiliated partner being described, expression may have three kinds of relations, for example, A and/or B, can
To represent：Individualism A, while there are A and B, these three situations of individualism B.In addition, character "/", unless otherwise specified,
It is a kind of relation of "or" to typically represent forward-backward correlation object.
In the following, the technical solution of the embodiment of the present invention is introduced with reference to attached drawing and preferred embodiment.
As shown in Figure 1, the embodiment of the present invention provides a kind of method of mobile payment, this method can be applied to terminal, this method
Process can be described as follows：
S11：Receive the start-up operation of the payment application for terminal.
In the embodiment of the present invention, start-up operation can be that user is corresponding for the icon for the payment application installed in terminal
Touch control operation, such as clicking operation, application is paid to start, such as starts Alipay application.
Certainly, if terminal supports voice control, start-up operation can also be that user is opened by sound control payment application
Dynamic operation.Such as.User is to mobile phone input voice information " starting Alipay application ", and mobile phone is by handling the voice messaging just
It can determine that corresponding operating instruction.
S12：Determine the corresponding target retail shop of current geographic position of terminal.
Terminal is obtaining the current geographic position of itself, can be obtained by the positioning function of itself.For example, user is led to
The positioning authority that each application is set in mobile phone is crossed, can allow to pay and determine using current location, such as by Alipay
Position priority assignation is " allowing in use ", then, during terminal operating Alipay is applied, Alipay can obtain in real time
Take the geographical location of terminal.
And then terminal can determine the corresponding target business of current geographic position according to geographical location and the correspondence of retail shop
Paving, i.e., the retail shop that terminal is presently in.
In practical applications, the correspondence of geographical location and retail shop can be pre-set.For example, can be according to business
The specific location of paving, incidence relation is established by corresponding position in map and retail shop, so as to can determine that end by positioning function
The corresponding retail shop in present position is held, improves the location efficiency to retail shop residing for terminal.
Terminal can also obtain the corresponding business that prestores of the target retail shop after target retail shop is determined according to current location information
Spread information.The retail shop's information that prestores can be used for the significant feature for characterizing corresponding retail shop, and the retail shop's information that prestores can include
The retail shop's environment to prestore and/or retail shop's mark.Wherein, retail shop's environment can be the environment of retail shop, the interior display of retail shop, retail shop
Floor plan, retail shop's structure etc., the mark of retail shop can be trade mark, retail shop's title of retail shop etc..
S13：Start-up operation is responded, the display payment interface corresponding with target retail shop in the application interface for paying application.
Terminal automatically can also verify the retail shop's information that prestores when responding start-up operation, and retail shop is believed with improving
The certification of breath, prevents payment by mistake.
The prestore process of retail shop's information of terminal authentication can be：
First, the ambient image for the image acquisition device current environment that terminal passes through, can wrap in the ambient image
Include at least one retail shop's characteristic information, such as the title of retail shop, retail shop's interior display, the trade mark etc. of retail shop.
Work as example, mobile phone when detecting user for the start-up operation for paying application, can start camera collection user
The ambient image of preceding local environment.During ambient image is gathered, mobile phone can also be detected in current environment by camera
Including retail shop's characteristic information.For example, mobile phone scans user by camera is presently in environment, exist in scanning into environment
Retail shop's mark, the structure of retail shop are when feature, you can gather corresponding image.
Then, the terminal retail shop's information that will can prestore is matched with retail shop's characteristic information in ambient image, however, it is determined that pre-
Deposit retail shop's information and the matching degree of retail shop's characteristic information in ambient image is more than preset matching degree, then show that user is currently practical
Residing retail shop is consistent by positioning definite target retail shop with terminal, and positioning result is accurate.
Wherein, preset matching degree can be determined according to the weight of the retail shop's feature to prestore in advance.If for example, retail shop that prestores
Information includes retail shop's mark (trade mark or title), the interior display of the structure of retail shop and retail shop, wherein, retail shop's mark (trade mark or
Title) weight be 0.5, the weight of the structure of retail shop is 0.35, and the weight of the interior display of retail shop is 0.15, then what is set is pre-
If matching degree may be greater than equal to 0.6, such as can be 0.6 or 0.8 grade numerical value.
So, can be according to the number with the successful retail shop's characteristic information of the retail shop's information matches that prestore when calculating matching degree
Amount, and the weight of the retail shop's feature that prestores of successful match are calculated.For example, if terminal determines to wrap in current ambient image
The retail shop's mark included and the retail shop's mark successful match to prestore, and display and the interior display phase of the retail shop to prestore inside retail shop
Together, it is determined that matching degree can be 0.65, more than preset matching degree, then show to be presently in retail shop with it is true according to geographical location
Fixed target retail shop is consistent.Otherwise, terminal can export corresponding prompt message, such as output matching error, prompt user into
Row manual confirmation etc..
In practical applications, terminal can also include the store information that prestores of acquisition in the display unit of terminal, and
Whether the environment that the prompting direct manual confirmation of user is presently in retail shop is identical with the retail shop's information that prestores of display.And then according to connecing
Whether the input operation of the user of receipts, determine to be presently in retail shop consistent with target retail shop.
In the embodiment of the present invention, for terminal when responding start-up operation, the target retail shop that can obtain current location is corresponding
Bank settlement information, the bank settlement information can include the corresponding gathering account number of target businessman, account name (such as Carrefour hypermarket), branch
The means of payment held, such as bank card, credit card, wechat are paid.
And then terminal can be by the bank settlement presentation of information in the payment application application interface of startup.In addition, payment interface
It can also include the essential information of retail shop, such as show retail shop's title of current retail shop (beneficiary), such as Carrefour hypermarket, with
And payment interface can also show payment input frame etc., for use in corresponding Payment Amount is inputted.Certainly, if with
Family opens quick payment, then the payment code of user's payment account can be shown in payment interface, is manually entered without user
Payment Amount.
Certainly, in practical applications, when payment interface shows bank settlement information, bank settlement information can also be with two dimension
Code mode shows, then user, which is shown in the Quick Response Code of payment interface by identification, can obtain the relevant information of retail shop, such as receive
Money account, account name, means of payment etc..
Also the geographical location of the bank settlement information of retail shop and retail shop can be associated in advance in the embodiment of the present invention.That
, when user's carried terminal is in the position of the retail shop, user starts the payment application in terminal, you can in down payment interface
Or commodity payment interface, without scanning the two-dimensional code.
Retail shop prestore retail shop's information and bank settlement information can be stored in server or high in the clouds.Terminal is in definite target
After retail shop, the corresponding mark of target retail shop can be obtained, and then can be according to need by the way that the mark of retail shop is sent to server
Ask and obtain corresponding retail shop's information and/or the first payment information of prestoring of the retail shop.
Further, after terminal shows payment interface, if receiving the delivery operation for the payment interface, the character
Operation can be the operation for inputting payment or payment verification, then terminal can be carried out being directed to according to the delivery operation and is somebody's turn to do
The payment of target retail shop.
That is, after the payment interface that terminal is shown, user is determining the store information of display (such as shop name
Title, account number etc.) it is errorless in the case of, it will usually input corresponding delivery operation, such as fill in payment, payment verification code or
Fingerprint authentication etc. is inputted, terminal is after delivery operation is received, you can is normally paid.
In the embodiment of the present invention, terminal passes through the current geographic position of terminal when receiving the start-up operation for paying application
Corresponding target retail shop is put, and then terminal is by responding start-up operation, you can display and mesh in the application interface for paying application
The corresponding payment interface of retail shop is marked, therefore, in payment process, user can open retail shop without using terminal scanning Quick Response Code
Corresponding payment interface, rapidly enters the corresponding payment interface of retail shop, and user need not find retail shop's Quick Response Code, payment efficiency compared with
It is high.
Embodiment two
Based on same inventive concept, the embodiment of the present invention also provides a kind of mobile payment device, which can be applied to
Aforementioned terminals.As shown in Fig. 2, the mobile payment device includes：Receiving module 21, determining module 22 and operation module 23.
Receiving module 21 can be used for the start-up operation for receiving the payment application for terminal.
Determining module 22 is determined for the corresponding target retail shop of current geographic position of the terminal.
Operation module 23 can be used for responding the start-up operation, display and institute in the application interface for paying application
State the corresponding payment interface of target retail shop.
Optionally, the determining module 22 is used for：Obtain the current geographic position of the terminal；According to geographical location and business
The correspondence of paving, determines the corresponding target retail shop of the current geographic position.
Optionally, the mobile payment device further includes：
Acquisition module, for determine the terminal the corresponding target retail shop of current geographic position after, described in acquisition
The corresponding retail shop's information that prestores of target retail shop, the retail shop's information that prestores include the retail shop's environment to prestore and/or retail shop's mark；
Acquisition module, for display payment circle corresponding with the target retail shop in the application interface for paying application
Before face, the ambient image that the terminal is presently in environment is gathered, the ambient image includes being used to characterize corresponding retail shop
At least one retail shop's characteristic information；
Matching module, for by least one retail shop's characteristic information of prestore retail shop's information and the ambient image into
Row matching, and determine described to prestore retail shop's information and the matching degree of at least one retail shop's characteristic information is more than preset matching
Degree.
Optionally, operation module 23 is used for：The start-up operation is responded, obtains the corresponding bank settlement letter of the target retail shop
Breath；According to the bank settlement information, the bank settlement information is shown in the application interface for paying application.
Optionally, the mobile payment device further includes：Receiving module, in the application interface for paying application
After display payment interface corresponding with the target retail shop, the delivery operation carried out for the payment interface is received, it is described
Delivery operation includes payment and/or payment verification；
Payment module, for carrying out the payment for the target retail shop according to the delivery operation.
Embodiment three
As shown in figure 3, the embodiment of the present invention provides a kind of terminal, the terminal of the embodiment includes：Processor 31, memory
32 and the computer program that can be run in the memory 32 and on the processor 31 is stored in, such as commercial product recommending side
The corresponding program of method.The processor 31 realizes the step in above-mentioned Method of Commodity Recommendation embodiment when performing the computer program
Suddenly, the step S11-S13 such as shown in Fig. 1.Alternatively, the processor 31 realizes above-mentioned association when performing the computer program
The function of each module in device embodiment, such as the function of receiving module 21, respond module 22 and display module 23.
Exemplary, the computer program can be divided into one or more modules, one or more of moulds
Block is stored in the memory 32, and is performed by the processor 31, to complete the present invention.One or more of modules
Can be the series of computation machine programmed instruction section that can complete specific function, which is used to describe the computer program
Implementation procedure in the terminal.For example, the computer program can be divided into the computer (mould in virtual bench
Block), each module concrete function is as follows：
Receiving module 21 is used to during terminal is interacted by social networking application and contact person, receive for described
The first operation of application identities is preset in the interactive interface of social networking application；Wherein, the default application identities are arranged at the friendship
In the inputting interface of the input method application corresponded in the terminal shown in mutual interface, the default application identities are used to refer to
Show default commercial articles searching application in the terminal.
Respond module 22 is used to respond first operation, obtains interactive information bag in the interactive interface of the social networking application
The commodity key word information contained, and the commodity keyword is determined by the corresponding commercial articles searching application of the default application identities
The link information of the corresponding commodity of information.
Display module 23 is used to show the link information.
The terminal can be the computing devices such as desktop PC, notebook, palm PC and cloud server.It is described
Terminal/terminal may include, but be not limited only to, processor 31, memory 32.It will be understood by those skilled in the art that the signal
Figure is only the restriction of the example, not structure paired terminal of terminal, can be included than illustrating more or fewer components, or group
Close some components, or different components, such as the terminal can also include input-output equipment, network access equipment, total
Line etc..
Alleged processor 31 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors 31, digital signal processor 31 (Digital Signal Processor, DSP), application-specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor 31 can be microprocessor 31 or the processor 31 can also be any conventional place
Device 31 etc. is managed, the processor 31 is the control centre of the terminal, utilizes each of various interfaces and the whole terminal of connection
A part.
The memory 32 can be used for storing the computer program and/or module, the processor 31 by operation or
The computer program and/or module being stored in the memory 32 are performed, and calls the data being stored in memory 32,
Realize the various functions of the terminal/terminal.The memory 32 can mainly include storing program area and storage data field, its
In, storing program area can storage program area, application program (such as sound-playing function, image needed at least one function
Playing function etc.) etc.；Storage data field can be stored uses created data (such as multi-medium data, phone according to mobile phone
This etc.) etc..In addition, memory 32 can include high-speed random access memory 32, nonvolatile memory 32 can also be included,
Such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure
Digital, SD) card, flash card (Flash Card), at least one magnetic disk storage 32, flush memory device or other volatibility
Solid-state memory 32.
Example IV
If the module that the terminal integrates realized in the form of SFU software functional unit and as independent production marketing or
In use, it can be stored in a readable storage medium storing program for executing.Based on such understanding, the present invention realizes above-described embodiment application journey
All or part of flow in sequence interface display method, can also instruct relevant hardware to complete by computer program,
The computer program can be stored in a readable storage medium storing program for executing, which, can be real when being performed by processor 31
The step of existing above-mentioned each embodiment of the method.Wherein, the computer program includes computer program code, the computer journey
Sequence code can be source code form, object identification code form, executable file or some intermediate forms etc..
The readable storage medium storing program for executing can include：Can carry the computer program code any entity or device,
Recording medium, USB flash disk, mobile hard disk, magnetic disc, CD, computer storage 32, read-only storage 32 (ROM, Read-Only
Memory), random access memory 32 (RAM, Random AccessMemory), electric carrier signal, telecommunication signal and software
Distribution medium etc..It should be noted that the content that includes of the readable storage medium storing program for executing can according to legislation in jurisdiction and
The requirement of patent practice carries out appropriate increase and decrease, such as in some jurisdictions, according to legislation and patent practice, readable storage
Medium does not include electric carrier signal and telecommunication signal.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, the present invention can use the reality in terms of complete hardware embodiment, complete software embodiment or combination software and hardware
Apply the form of example.Moreover, the present invention can be deposited using the readable of computer usable program code is wherein included in one or more
The form for the computer program product that storage media is implemented on (including but not limited to magnetic disk storage and optical memory etc.).
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that it can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or square frame in journey and/or square frame and flowchart and/or the block diagram.These computer programs can be provided
The processors of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that the instruction performed by computer or the processor of other programmable data processing devices, which produces, to be used in fact
The device for the function of being specified in present one flow of flow chart or one square frame of multiple flows and/or block diagram or multiple square frames.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory, which produces, to be included referring to
Make the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one square frame of block diagram or
The function of being specified in multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices so that counted
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented processing, thus in computer or
The instruction performed on other programmable devices is provided and is used for realization in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a square frame or multiple square frames.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
God and scope.In this way, if these modifications and changes of the present invention belongs to the scope of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to comprising including these modification and variations.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
God and scope.In this way, if these modifications and changes of the present invention belongs to the scope of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to comprising including these modification and variations.
Claims (10)
- A kind of 1. method of mobile payment, it is characterised in that including：Receive the start-up operation of the payment application for terminal；Determine the corresponding target retail shop of current geographic position of the terminal；The start-up operation is responded, display payment circle corresponding with the target retail shop in the application interface for paying application Face.
- 2. the method as described in claim 1, it is characterised in that determine the corresponding target business of current geographic position of the terminal Paving, including：Obtain the current geographic position of the terminal；According to geographical location and the correspondence of retail shop, the corresponding target retail shop of the current geographic position is determined.
- 3. method as claimed in claim 2, it is characterised in that determining the corresponding target of current geographic position of the terminal After retail shop, the method further includes：Obtain the corresponding retail shop's information that prestores of the target retail shop, the retail shop's information that prestores include the retail shop's environment to prestore and/ Or retail shop's mark；In the application interface for paying application before display payment interface corresponding with the target retail shop, the method is also Including：By the ambient image of the image acquisition device current environment of the terminal, the ambient image includes being used for table Levy at least one retail shop's characteristic information of corresponding retail shop；The retail shop's information that prestores is matched with least one retail shop's characteristic information of the ambient image；The retail shop's information that prestores described in determining and the matching degree of at least one retail shop's characteristic information are more than preset matching degree.
- 4. the method as described in any claims of claim 1-3, it is characterised in that the start-up operation is responded, in the payment Payment interface corresponding with the target retail shop is shown in the application interface of application, including：The start-up operation is responded, obtains the corresponding bank settlement information of the target retail shop；According to the bank settlement information, the bank settlement information is shown in the application interface for paying application.
- 5. method as claimed in claim 4, it is characterised in that display and the mesh in the application interface for paying application After marking the corresponding payment interface of retail shop, the method further includes：The delivery operation carried out for the payment interface is received, the delivery operation includes payment and/or payment verification；Payment for the target retail shop is carried out according to the delivery operation.
- A kind of 6. mobile payment device, it is characterised in that including：Receiving module, for receiving the start-up operation of the payment application for terminal；Determining module, the corresponding target retail shop of current geographic position for determining the terminal；Operation module, for responding the start-up operation, display and the target business in the application interface for paying application Spread corresponding payment interface.
- 7. device as claimed in claim 6, it is characterised in that the determining module is used for：Obtain the current geographic position of the terminal；According to geographical location and the correspondence of retail shop, the corresponding target retail shop of the current geographic position is determined.
- 8. device as claimed in claim 7, it is characterised in that the mobile payment device further includes：Acquisition module, for after the corresponding target retail shop of current geographic position of the terminal is determined, obtaining the target The corresponding retail shop's information that prestores of retail shop, the retail shop's information that prestores include the retail shop's environment to prestore and/or retail shop's mark；Acquisition module, in the application interface for paying application corresponding with the target retail shop payment interface of display it Before, the ambient image that the terminal is presently in environment is gathered, the ambient image includes being used to characterize corresponding retail shop extremely Few retail shop's characteristic information；A matching module, at least one retail shop's characteristic information of prestore retail shop's information and the ambient image to be carried out Match somebody with somebody, and determine described to prestore retail shop's information and the matching degree of at least one retail shop's characteristic information is more than preset matching degree.
- 9. a kind of terminal, it is characterised in that the terminal includes processor, and the processor is used to perform what is stored in memory Realized during computer program such as any claim the method in claim 1-5.
- 10. a kind of readable storage medium storing program for executing, it is characterised in that the readable storage medium storing program for executing is stored with computer instruction, when the finger Order in terminal when running so that the terminal performs the method as described in any claim in claim 1-5.
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| CN201711447100.9A CN108022096A (en) | 2017-12-27 | 2017-12-27 | A kind of method of mobile payment, device, terminal and readable storage medium storing program for executing |
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| CN201711447100.9A CN108022096A (en) | 2017-12-27 | 2017-12-27 | A kind of method of mobile payment, device, terminal and readable storage medium storing program for executing |
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Application publication date: 20180511 |