CN110807625B - Electronic payment method and system - Google Patents

Electronic payment method and system Download PDF

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Publication number
CN110807625B
CN110807625B CN201911057658.5A CN201911057658A CN110807625B CN 110807625 B CN110807625 B CN 110807625B CN 201911057658 A CN201911057658 A CN 201911057658A CN 110807625 B CN110807625 B CN 110807625B
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Prior art keywords
electronic payment
revocable
period
image data
payment message
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CN110807625A (en
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于峰
请求不公布姓名
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Dalian Aoyou Intelligent Technology Co ltd
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Dalian Aoyou Intelligent Technology Co ltd
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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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction

Abstract

The invention provides an electronic payment method and system, and relates to the field of electronic payment. An electronic payment method comprising the steps of: acquiring an electronic payment message sent to a receiver by a user, wherein the electronic payment message is provided with a revocable period; generating the masking image data of the electronic payment message and sending the masking image data to a receiver; in the revocable period, the corresponding electronic payment message is replaced by the masking image data to be displayed; and hiding or deleting or closing the masking image data and displaying the electronic payment message outside the revocable period. The invention enriches the electronic payment mode of the user, improves the social efficiency and promotes the social relationship among people.

Description

Electronic payment method and system
Technical Field
The invention relates to the field of electronic payment, in particular to an electronic payment method and system.
Background
With the popularization of smart phones and the arrival of the era of mobile internet, the functions of mobile phones in daily life and work of people are getting larger and larger. A novel electronic payment mode represented by code scanning payment, electronic red envelope and mobile phone account transfer is integrated into our life. Taking an electronic red packet as an example, the electronic red packet is a non-physical red packet distributed on the Internet, a sender of the electronic red packet does not need to face a receiver, and does not need to agree with the receiver, and the sender can send the money of the electronic red packet to the receiver. Currently, electronic red envelope has become an important part of popular internet communication tools, and also becomes an important financial channel and social contact way. The existing electronic red packet is mainly divided into a one-to-one electronic red packet, a one-to-many electronic red packet and the like. The one-to-one electronic red packet means that a sender sends a red packet message to a receiver, and the receiver can obtain the amount of the red packet after the receiver confirms to receive the red packet message; the one-to-many electronic red envelope means that a sender sends a red envelope message to a plurality of receivers in a social group at the same time, and after the receivers confirm to receive the red envelope message, each receiver can averagely distribute the amount of the red envelope or randomly distribute the amount of the red envelope. When the receiver confirms to receive the red envelope (namely, receives the red envelope), the obtained red envelope amount enters a payment account corresponding to the receiver, and the sender cannot revoke the red envelope any more.
The electronic red packet has the following defects: the user terminal can obtain the electronic red packet only by confirming the reception of the red packet message, and the distribution mode of the electronic red packet is single. In addition, in the prior art, conditions are set for the red parcels to enrich the social contact and improve the social contact efficiency, so that the user can more purposefully and effectively perform social contact, but the user needs to set conditions in advance, and the conditions are not necessarily suitable for the social contact object of the current chat, so that the social contact pleasure is influenced. On the other hand, in some scenarios, the user may wish to revoke some electronic payment operations that have been sent but not collected by the other party — for example, the electronic payment operations may be erroneous or irrational or impulse or based on fraudulent payment operations, but worrying that direct revocation operations may affect the social relationship with the recipient.
Disclosure of Invention
The invention aims to: the defects of the prior art are overcome, and an electronic payment method and system are provided. According to the invention, the electronic payment message which is successfully sent but is in the revocable period is masked, so that the payer can revoke the payment operation at any time in the revocable period, the electronic payment mode of the user is enriched, the social efficiency is improved, and the social relationship among people is promoted.
In order to achieve the above object, the present invention provides the following technical solutions.
An electronic payment method comprising the steps of:
acquiring an electronic payment message sent to a receiver by a user, wherein the electronic payment message is provided with a revocable period;
generating the masking image data of the electronic payment message and sending the masking image data to a receiver;
in the revocable period, the corresponding electronic payment message is replaced by the masking image data to be displayed; and hiding or deleting or closing the masking image data and displaying the electronic payment message outside the revocable period.
Further, the user sends an electronic payment message to a receiver through the instant messaging client;
and in the instant communication interface of the user as the sender, outputting the masking image data corresponding to the electronic payment message, or outputting the electronic payment message corresponding to the masking image data, or displaying the masking image data but identifying the image data corresponding to the electronic payment message, or displaying the electronic payment message but identifying the electronic payment message corresponding to the masking image data.
Further, collecting the chat record information of the user and the receiver, and acquiring the image data in the chat record as the disguised image data;
or performing semantic analysis on the chat records in the similar time periods to acquire keywords in the chat records, and acquiring a target image as camouflage image data after performing keyword search based on a local file or a local area network or a wide area network.
Further, the revocable period takes the sending time of the electronic payment message as a time starting point, and obtains a time difference value between the current time and the time starting point to judge whether the electronic payment message is in the revocable period;
when the time difference is less than or equal to the revocable period, the revocable period is judged, and when the time difference is greater than the revocable period, the revocable period is judged.
Further, the electronic payment message is an electronic red packet, the masking image data is displayed in the communication interface of the receiver to hide the electronic red packet during the revocable period, and the electronic red packet is displayed in the communication interface of the receiver outside the revocable period.
Further, when the time exceeds the revocable period, displaying the red packet in a communication interactive interface between the receiver and the user based on the display position of the masking image data, and prompting the receiver user to receive the red packet; or, in the communication interactive interface between the receiving party and the user, displaying the red packet with a new message based on the current latest interactive message, and hiding or deleting or closing the corresponding disguised image data.
Further, the masking image data is a still picture, animation, video, or other multimedia image.
Further, the alternative display mode is: establishing an association relationship between the electronic payment message and the masking image, displaying only the masking image associated with the electronic payment message without displaying the electronic payment message within the revocable period, and setting a life time limit for the masking image; and after the current time exceeds the revocable period, the masking image reaches the life limit, and a corresponding electronic payment message is displayed in the display area of the masking image.
Further, the revocable period is set by a user or a system server, and the user or the system server can set different revocable periods for recipients with different degrees of closeness.
The invention also provides an electronic payment system, comprising:
the system comprises a user client, a client and a server, wherein the user client is used for sending an electronic payment message by a user and displaying the received electronic payment message;
the payment platform is used for acquiring an electronic payment message sent to a receiver by a user, generating masking image data of the electronic payment message when the electronic payment request is judged to be provided with a revocable period and sending the masking image data to the receiver; and displaying the electronic payment message by replacing the corresponding electronic payment message with the mask image data in the revocable period, and hiding or deleting or closing the mask image data and displaying the electronic payment message outside the revocable period.
Compared with the prior art, the technical scheme provided by the invention has the following advantages and positive effects: by masking the electronic payment message which is successfully sent but is in the revocable period, the payer can revoke the payment operation at any time in the revocable period, so that the electronic payment mode of the user is enriched, the social efficiency is improved, and the social relationship among people is promoted.
Drawings
Fig. 1 is a flowchart of an electronic payment method according to an embodiment of the present invention.
Fig. 2 to 8 are operation examples of electronic payment using the present invention.
Fig. 9 is an information transmission diagram of an electronic payment system according to an embodiment of the present invention.
The numbers in the figures are as follows:
user terminal 200, user information bar 210, toolbar 220, contact list 221;
the instant messaging interactive interface 300, an interactive object display column 310, a chat information display column 320, an information input column 330, an associated information display column 340, an interactive toolbar 350 and an electronic red envelope 351;
a receiver terminal 400;
system 500, user client 510, payment platform 520.
Detailed Description
The electronic payment method and system provided by the invention are further described in detail in the following with reference to the accompanying drawings and specific embodiments. In the drawings of the following embodiments, the following description refers to the same numbers in different drawings representing the same or similar elements, unless otherwise indicated.
It should be noted that the structures, proportions, sizes, and other dimensions shown in the drawings and described in the specification are only for the purpose of understanding and reading the present disclosure, and are not intended to limit the scope of the invention, which is defined by the claims, and any modifications of the structures, changes in the proportions and adjustments of the sizes and other dimensions, which are within the scope of the invention and the full scope of the invention. Some of the block diagrams shown in the figures are functional entities and do not necessarily correspond to physically or logically separate entities.
It should be noted that technical features or combinations of technical features described in the following embodiments should not be considered in isolation, and they may be combined with each other to achieve better technical effects. The scope of the preferred embodiments of the present invention includes additional implementations in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the embodiments of the present invention.
Referring to fig. 1, an electronic payment method is disclosed, comprising the steps of:
s100, obtaining an electronic payment message sent by a user to a receiver, wherein the electronic payment message is provided with a revocable period.
The revocable period corresponds to a time limit, in which the sender can revoke the sent electronic payment operation at any time, and the receiver cannot trigger the red packet pickup operation.
The time limit may be set based on the specific time when the user sends the electronic payment message — for example, if the user sends the electronic payment message at time 10 in beijing, the set time limit is a revocable period within 3 minutes after sending, and the revocable period is before time 53 in beijing, the time interval may be system default or may be set individually by the user; it can also be based on a fixed time point, such as when the user sets the time limit to 24% 00 on the day of delivery, and the revocable period is before 24% 00 in the morning of the day, which can be the default of the system or personalized by the user. Of course, the revocable term may also be set to a preset fixed time period by the user based on the needs, and the starting point of the time period may be related to the sending time and/or the receiving time of the electronic payment message.
The user sends an electronic payment message aiming at the receiver, wherein the electronic payment message comprises payment mode information, payment amount information, time information corresponding to the revocable period and receiver information. The electronic payment message is submitted to a backend server, which receives the information. According to the requirement, the server can also store the information in the electronic payment message, and can store the information in a corresponding database so as to check the information such as revocation time and qualification for obtaining in the following.
The payment mode corresponding to the electronic payment can be electronic red envelope, payment two-dimensional code or transfer remittance.
The user can send the electronic payment message to the terminal of the receiving party through the user client terminal with the electronic payment function on the terminal. The terminal can be a mobile phone, a tablet computer, a notebook computer, a palm computer, an intelligent television, a Mobile Internet Device (MID), a wearable device (such as an intelligent watch, an intelligent bracelet and the like) and the like. The user client with the electronic payment function can be an instant messaging APP, a shopping APP, a payment APP, a financing APP and other life service APPs, and the like, for example, such as WeChat, paibao, cloud flash payment and the like.
The operation mode of sending the electronic payment message may be a payment operation triggered by a user through a mouse, a finger, voice or an action, which should not be construed as a limitation to the present invention.
And S200, generating the masking image data of the electronic payment message and sending the masking image data to a receiver.
And generating a masking image for the electronic payment message sent by the user, and sending the masking image to the terminal of the receiving party together with the electronic payment message.
The masking image data, in this embodiment, may be still pictures, animation, video, or other multimedia images.
S300, in the revocable period, replacing the corresponding electronic payment message with the masking image data to display; and hiding or deleting or closing the masking image data and displaying the electronic payment message outside the revocable period.
Judging whether the current time is in a revocable period: when the electronic payment message is judged to be positioned in the revocable state, the corresponding electronic payment message is replaced by the masking image data to be displayed; when it is determined that the revocation session is out, the masking image data is hidden or deleted or closed and an electronic payment message is displayed. That is, during the revocable period, the electronic payment message is masked by the masking image in the communication interface of the receiver or the communication interface between the receiver and the sender, and the receiver does not know that the electronic payment message is an electronic payment message although it is received, and is considered as an image message due to the masking of the masking image.
Alternatively, the display area of the electronic payment message may be directly covered with the mask image, and a life limit may be set to the mask image, the life limit being set based on a revocable period, and the arrival of the mask image at the life limit is automatically closed or hidden when the current time exceeds the revocable period.
Alternatively, the method may be a method of establishing an association relationship between the electronic payment message and the mask image, displaying only the mask image associated with the electronic payment message without displaying the electronic payment message in the revocable period, setting a lifetime limit for the mask image, automatically deleting or automatically closing the mask image when the current time exceeds the revocable period, and displaying the corresponding electronic payment message in a display area of the mask image.
In this embodiment, preferably, the user sends the electronic payment message to the receiving party through the instant messaging client. The Instant Messaging (IM) client is a terminal service, which allows two or more people to use the network to communicate text, documents, voice and video in real time. By way of example, some existing common social software, payment software, shopping software, take-out software, etc. have instant messaging and electronic payment functions, and all belong to an instant messaging client referred to by the present invention.
When a user engages in an instant messaging interaction (chat) with a recipient, the user sends an electronic payment message, such as an electronic red envelope, to the recipient. The masked image data is displayed in place of the electronic payment message in the instant messaging interactive interface of the recipient during the revocable period, and the recipient does not know that the electronic payment message is received due to the masking of the masked image and cannot trigger collection of the payment.
Meanwhile, in order to facilitate the user to know the electronic payment operation of the user, the electronic payment message and the information of the masking image can be synchronously displayed in the instant messaging interactive interface of the user. Specifically, one or more of the following ways may be employed:
in the first mode, the masking image data is output corresponding to the electronic payment message.
And in the second mode, the electronic payment message is output corresponding to the masking image data.
Third, displaying the masking image data but identifying that the image data corresponds to an electronic payment message.
Fourth, the electronic payment message is displayed but the electronic payment message is identified as corresponding to the masked image data.
In this embodiment, the user as the sender may trigger a payment cancellation operation to cancel the electronic payment during the disguised image display. For example, the operation of triggering payment cancellation may be that after the user clicks any position of the camouflage image, an option whether the electronic payment needs to be cancelled is popped up for the user to select based on the user's click; or a payment canceling function option is set for the electronic payment, when the function option is triggered by a user, a list of the current cancelable electronic payment operation is output, and the corresponding electronic payment operation is canceled according to the selection of the user; the method can also be used for setting a time display area for the masking image, wherein the time display area displays the remaining revocable time, and when the triggering operation of the user on the time display area is acquired, for example, the time display area is clicked, the corresponding electronic payment operation is revoked.
In the display process of the masking image, the operation of the receiver on the masking image does not interrupt the revocable period (the receiver cannot trigger red envelope pickup in the revocable period), and the electronic payment operation corresponding to the masking image is not influenced. For example, in the output process of the masking image, the receiving party may click on the masking image for selecting, copying, printing or other editing operations, which will not affect the revocable period and the corresponding electronic payment operations.
Preferably, in order to avoid the adaptation of the mask image to the interactive information, for example, the mask image appears abrupt in the interactive information to affect the smoothness of the communication, the chat log information of the user and the receiver may be collected, and the image data in the chat log may be obtained as the mask image data.
Or semantic analysis can be performed on the chat records in the similar time periods to acquire keywords in the chat records, and the target image can be acquired as the masking image data after keyword search is performed on the basis of a local file or a local area network or a wide area network. Therefore, the masking image can be intelligently matched and selected based on the chat scene, so that electronic payment messages can be better masked, and the appearance is obtrusive and embarrassing.
In a preferred mode, the revocable period is a time starting point of the sending time of the electronic payment message, and a time difference between the current time and the time starting point is obtained to determine whether the revocable period is within the revocable period. When the time difference is less than or equal to the revocable period, the revocable period is judged, and when the time difference is greater than the revocable period, the revocable period is judged.
The electronic payment message is preferably an electronic red envelope, which is a red envelope (non-physical red envelope) that is distributed based on a communication network. The disguised image data is displayed in the communication interface of the receiving party during the revocable period to hide the electronic red packet, and the electronic red packet is displayed in the communication interface of the receiving party outside the revocable period.
On the other hand, for the electronic red envelope transmitted by the instant messenger, when the time exceeds the revocable period, the red envelope may be displayed based on the display position of the mask image data in the communication interactive interface between the receiver and the user, and the receiver may be prompted to pick up the red envelope. Alternatively, when the time exceeds the revocable period, a red packet is displayed thereafter with a new message based on the current latest interactive message and the corresponding masking image data is hidden or deleted or closed in the communication interactive interface of the recipient and the user.
In this embodiment, the revocable period may be set by a user or a system server, and preferably, the user or the system server may set different revocable periods for recipients with different degrees of closeness.
The intimacy degree is an index for measuring the degree of association between the user as the electronic payment sender and the receiver. In this embodiment, the intimacy degree may be obtained by collecting and analyzing the remark information, nickname name, history chat duration, recent chat duration, privacy of chat content, and aggressiveness of response of the user between the user and the receiver, or may be set by the user.
By way of example and not limitation, affinity levels include 4 levels: strangers, general friends, close friends and family, with revocable periods of 6 hours, 2 hours, 30 minutes and 1 minute, respectively. When a user sends an electronic red packet to the family xiao Li, the electronic red packet is displayed in a masking image mode in a communication interface of xiao Li, the masking image disappears after 1 minute, the electronic red packet is displayed on the communication interface of xiao Li, and small Li Ke carries out red packet obtaining operation. It should be noted that the intimacy degree may be set to more levels according to needs, and the revocable period may be any time value above 0, including a time point or a time period.
The present embodiment will be described in detail below with reference to fig. 2 to 8 by taking the example of dispatching the electronic red packet.
Referring to fig. 2, a user having a binding relationship with user terminal 200 is BORIS. The user terminal 200 has IM tools such as QQ installed thereon. BORIS chats with friends lion through IM tools.
After BORIS enters the IM tool, the BORIS enters the user's main interface, on which a user information bar 210, a toolbar 220, a contact list 221, etc. are displayed.
BORIS can trigger a lion corresponding avatar icon in contact list 221 to enter the chat interface, as shown in FIG. 3. BORIS starts chatting with a friend lion, who chats to eat food today. The instant messaging interface corresponding to chat includes an interactive object display column 310, a chat information display column 320, an information input column 330, an associated information display column 340 and an interactive toolbar 350, which belong to the prior art and are not described herein again.
BORIS decides to send the electronic red envelope to the lion according to the chat information of the lion, so that the BORIS triggers the electronic red envelope 351 function trigger item in the interactive toolbar 350 in FIG. 3, and the user can perform sending operation on the electronic red envelope of the lion after triggering the trigger item.
And after the user triggers the electronic red packet, popping up an operation interface of the red packet, which is shown in fig. 4. By way of example and not limitation, the red packet operation interface comprises the issuing of a common red packet and a fun red packet, and the fun red packet corresponds to the electronic red packet with the disguised image.
The user selects an interesting red packet option, and a red packet amount input field, a remark input field and an image selection field are displayed in the operation interface. The red packet amount input field is used for a user to input the total amount of the red packet, the remark input field is used for the user to input blessing words or other remark information and the like on the red packet, and the image selection field is used for the user to set a masking image. If the user does not operate the image selection item, a default image is adopted as a masking image, and the default masking image is preferably an emoticon commonly used by the user, such as a smiley face icon. In FIG. 4, BORIS selects Smart matches. And then the next step is selected for electronic red packet transmission.
Referring to fig. 5, after the electronic red envelope information is successfully sent, the electronic red envelope information is displayed in a chat information display column 320 of a communication interaction interface between BORIS and lion, but because the electronic red envelope corresponds to a masking image, the electronic red envelope information cannot be displayed in a common electronic red envelope message in the display column, but an image of the roast duck is displayed, and the image is intelligently matched according to the chat information "i go to eat the pan-poly roast duck today" of BORIS and lion.
Referring to fig. 6, the friend lion does not know that the image of the roast duck corresponds to an electronic red envelope, which responds to the display of the disguised image.
Referring to fig. 7, after the time exceeds the revocable period, the mask image is hidden or deleted or closed, and a corresponding electronic red envelope message is displayed in the display area of the mask image. The friend lion sees the electronic red envelope and performs red envelope pickup operation.
Referring to fig. 8, the lion performs a red envelope pickup operation on the corresponding receiver terminal 400, and the obtained red envelope amount enters an electronic account of the lion to complete the red envelope pickup.
According to the invention, the electronic payment message which is successfully sent but is in the revocable period is masked by the image, so that the payer can revoke the payment operation at any time in the revocable period, the electronic payment mode of the user is enriched, the social efficiency is improved, and the social relationship among people is promoted.
Referring to fig. 9, an electronic payment system is provided as another embodiment of the present invention.
The electronic payment system 500 includes a user client 510 and a payment platform 520.
The user client is used for the user to send the electronic payment message and display the received electronic payment message. The user client can be held by a payer and a payee and is used for carrying out electronic payment and electronic cash collection operation.
The payment platform is used for acquiring an electronic payment message sent to a receiver by a user, generating masking image data of the electronic payment message when the fact that a revocable period is set in the electronic payment request is judged, and sending the masking image data to the receiver; and displaying the electronic payment message by replacing the corresponding electronic payment message with the mask image data in the revocable period, and hiding or deleting or closing the mask image data and displaying the electronic payment message outside the revocable period.
The payment platform, as an intermediary server, is owned by a payment service provider and is used for receiving charging and payment requests, matching the charging/payment requests, transmitting payment content, generating a masking image, matching and associating the masking image with an electronic payment message, processing payment processing, and storing a consumption record.
The hardware server of the payment platform is at least one, and can be a plurality of hardware servers according to service capacity. Preferably, at least one application server, a DB server (referred to as a data storage server in the case where a DBMS is not used) is used. The hardware server of the payment platform, which may also be a virtual cloud server, may include a processor, storage, and network interface resources, etc. By way of example, a hardware server configuration, such as the payment platform, may generally include: one or more processors that perform computational processing; the storage, specifically, the memory, the external memory and the network storage, is used for storing data required by calculation and executable programs; a network interface for connecting a network; the hardware units are connected by computer buses (bus) or signal lines.
The user client may be connected to the payment platform via a wireless communication network.
The wireless communication may use any communication standard or protocol, including but not limited to Global System for Mobile communication (GSM), general Packet Radio Service (GPRS), code Division Multiple Access (CDMA), wideband Code Division Multiple Access (WCDMA), long Term Evolution (LTE), email, short Messaging Service (SMS), etc.
The user client is preferably an instant messaging client through which the user sends and receives electronic payment messages.
The payment platform includes a disguise image display module configured to: masking image data in place of the electronic payment message display in the instant messaging interface of the recipient for a revocable period; and outputting the masking image data corresponding to the electronic payment message, or outputting the electronic payment message corresponding to the masking image data, or displaying the masking image data but identifying the electronic payment message corresponding to the image data, or displaying the electronic payment message but identifying the electronic payment message corresponding to the masking image data in an instant communication interface of a user as a sender.
Further, the masking image display module further comprises a substitute setting sub-module, the substitute setting sub-module is used for establishing an association relationship between the electronic payment message and the masking image, displaying only the masking image associated with the electronic payment message without displaying the electronic payment message in the revocable period, and setting a life time limit for the masking image; and after the current time exceeds the revocable period, the masking image reaches the life limit, and a corresponding electronic payment message is displayed in the display area of the masking image.
The masking image display module further comprises a masking image matching sub-module configured to:
collecting chat record information of a user and a receiver, and acquiring image data in the chat record as the masking image data; or performing semantic analysis on the chat records in the similar time periods to acquire keywords in the chat records, and acquiring a target image as camouflage image data after performing keyword search based on a local file or a local area network or a wide area network.
The payment platform further comprises a term comparison module configured to: taking the sending time of the electronic payment message as a time starting point, and acquiring a time difference value between the current time and the time starting point to judge whether the time is in a revocable period; when the time difference is less than or equal to the revocable period, the revocable period is judged, and when the time difference is greater than the revocable period, the revocable period is judged.
The electronic payment message is preferably an electronic red packet, and the masking image data is displayed in the communication interface of the receiver to hide the electronic red packet during the revocable period, and the electronic red packet is displayed in the communication interface of the receiver outside the revocable period.
Other technical features are referred to in the previous embodiments and are not described herein again.
In the above description, although all components of aspects of the present disclosure may be construed as assembled or operatively connected as one module, the present disclosure is not intended to limit itself to these aspects. Rather, the various components may be selectively and operatively combined in any number within the intended scope of the present disclosure. Each of these components may also be implemented in hardware itself, while the various components may be partially or selectively combined in general and implemented as a computer program having program modules for performing the functions of the hardware equivalents. Codes or code segments to construct such a program can be easily derived by those skilled in the art. Such a computer program may be stored in a computer readable medium, which may be executed to implement aspects of the present disclosure. The computer readable medium may include magnetic recording media, optical recording media, and carrier wave media.
In addition, terms like "comprising," "including," and "having" should be interpreted as inclusive or open-ended, rather than exclusive or closed-ended, by default, unless explicitly defined to the contrary. All technical, scientific, or other terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless defined otherwise. Common terms found in dictionaries should not be interpreted too ideally or too realistically in the context of related art documents unless the present disclosure expressly limits them to that.
While exemplary aspects of the present disclosure have been described for illustrative purposes, those skilled in the art will appreciate that the foregoing description is by way of description of the preferred embodiments of the present disclosure only, and is not intended to limit the scope of the present disclosure in any way, which includes additional implementations in which functions may be performed out of the order illustrated or discussed. Any changes and modifications of the present invention based on the above disclosure will be within the scope of the appended claims.

Claims (7)

1. An electronic payment method, comprising the steps of:
acquiring an electronic payment message sent to a receiver by a user, wherein the electronic payment message is provided with a revocable period;
generating the masking image data of the electronic payment message and sending the masking image data to a receiver;
in the revocable period, the corresponding electronic payment message is replaced by the masking image data to be displayed; hiding or deleting or closing the masking image data and displaying the electronic payment message outside the revocable period;
the method comprises the steps of collecting chat record information of a user and a receiver, and acquiring image data in the chat record as the masking image data; or performing semantic analysis on the chat records in the similar time periods to acquire keywords in the chat records, and acquiring a target image as camouflage image data after performing keyword search based on a local file or a local area network or a wide area network;
the revocable period takes the sending time of the electronic payment message as a time starting point, and obtains a time difference value between the current time and the time starting point to judge whether the electronic payment message is in the revocable period; when the time difference is less than or equal to the revocable period, judging that the time difference is within the revocable period, and when the time difference is greater than the revocable period, judging that the time difference is outside the revocable period;
wherein the disguised image data is displayed in the communication interface of the recipient to hide the electronic payment message during the revocable period, and the electronic payment message is displayed in the communication interface of the recipient outside the revocable period.
2. The electronic payment method of claim 1 wherein: a user sends an electronic payment message to a receiver through an instant messaging client;
displaying the masking image data instead of the electronic payment message in the instant communication interface of the receiver during the revocable period, and outputting the masking image data corresponding to the electronic payment message, or outputting the electronic payment message corresponding to the masking image data, or displaying the masking image data but identifying that the image data corresponds to the electronic payment message, or displaying the electronic payment message but identifying that the electronic payment message corresponds to the masking image data in the instant communication interface of the user as the sender.
3. The electronic payment method of claim 1, wherein: the electronic payment message is an electronic red packet;
when the time exceeds the revocable period, displaying a red packet based on the display position of the masking image data in a communication interactive interface between the receiver and the user, and prompting the receiver user to pick up the red packet; alternatively, the first and second electrodes may be,
and in a communication interactive interface between the receiver and the user, displaying the red packet with a new message based on the current latest interactive message, and hiding or deleting or closing the corresponding masking image data.
4. The electronic payment method of claim 1 wherein: the masking image data is a still picture, animation, video, or other multimedia image.
5. The electronic payment method of claim 1 wherein: in an alternative way of displaying the image in the form of,
establishing an association relationship between the electronic payment message and the mask image, displaying only the mask image associated with the electronic payment message without displaying the electronic payment message in the revocable period, and setting a life limit for the mask image; and after the current time exceeds the revocable period, the masking image reaches the life limit, and a corresponding electronic payment message is displayed in the display area of the masking image.
6. The electronic payment method of claim 1 wherein: the revocable period is set by a user or a system server, and the user or the system server can set different revocable periods for receivers with different degrees of closeness.
7. An electronic payment system according to the method of claim 1, comprising:
the system comprises a user client, a client and a server, wherein the user client is used for sending an electronic payment message by a user and displaying the received electronic payment message;
the payment platform is used for acquiring an electronic payment message sent to a receiver by a user, generating masking image data of the electronic payment message when the electronic payment request is judged to be provided with a revocable period and sending the masking image data to the receiver; and displaying the electronic payment message by replacing the masking image data with the corresponding electronic payment message during the revocable period, and hiding or deleting or closing the masking image data and displaying the electronic payment message outside the revocable period.
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