CN111192037A - Payment method and device and terminal equipment - Google Patents
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- CN111192037A CN111192037A CN201911413216.XA CN201911413216A CN111192037A CN 111192037 A CN111192037 A CN 111192037A CN 201911413216 A CN201911413216 A CN 201911413216A CN 111192037 A CN111192037 A CN 111192037A
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Abstract
The application is applicable to the technical field of computers, and provides a payment method, a payment device and terminal equipment, wherein the method comprises the following steps: the payment terminal acquires commodity information and user information of a user account, wherein the commodity information comprises health index information, and the user information comprises early warning information; generating order information according to the commodity information and the user information, wherein the order information comprises prompt information, and the prompt information is generated according to the health index information and the early warning information; acquiring a confirmation order instruction generated by the user account based on the prompt message, and generating payment information according to the confirmation order instruction, wherein the payment information comprises one or more payment accounts; and according to the payment information, payment is carried out through the payment account, and first bill information of the user account is generated according to a payment result. Through the application, multifunctional payment can be realized, and in the daily consumption process, the health problems of people are recorded and reminded.
Description
Technical Field
The application belongs to the technical field of computers, and particularly relates to a payment method, a payment device and terminal equipment.
Background
With the intellectualization of terminal equipment, the continuous development of the technology of the internet of things and the convenience of mobile payment, electronic payment is more and more common in the daily life of people; according to the analysis of the general financial indexes, the national electronic payment popularity rate reaches 76.9%, and the non-cash payment service is 1608.78 hundred million, so that the sea-level payment information is generated correspondingly. With the improvement of living standard, people pay more and more attention to health problems, and according to the health medical prediction issued by the field company of the global well-known consulting organization, the number of the patients with the three highs (hypertension, hyperlipidemia and hyperglycemia) in China is 3.5 hundred million, and reaches 1/4 of the general population.
However, in the face of the popularization of electronic payment and the increasingly serious national health problems, the existing payment function is single, only the pricing information of commodities and the total amount information of payment orders can be obtained, the health problems of people cannot be concerned and controlled in the daily consumption process, and users can develop healthier living and consuming habits, so that the problem is one of the problems to be solved at present.
Disclosure of Invention
The embodiment of the application provides a payment method, a payment device and terminal equipment, and can solve the problems that the existing payment function is single, and people's health cannot be concerned about and controlled in the daily consumption process.
In a first aspect, an embodiment of the present application provides a payment method, including:
the payment terminal acquires commodity information and user information of a user account, wherein the commodity information comprises health index information, and the user information comprises early warning information;
generating order information according to the commodity information and the user information, wherein the order information comprises prompt information, and the prompt information is generated according to the health index information and the early warning information;
acquiring an order confirmation instruction input by the user account based on the prompt message, and generating payment information according to the order confirmation instruction, wherein the payment information comprises one or more payment accounts;
and according to the payment information, payment is carried out through the payment account, and first bill information of the user account is generated according to a payment result.
In a possible implementation manner of the first aspect, the user account includes one or more user information, and the user information is stored in a user address book of the user account.
In a possible implementation manner based on the first aspect, a user address book is created in a user account, so that commodity information in order information paid by the user account corresponds to a user, benefit information of the commodity relative to the user is recorded through payment information, and reliability and accuracy of recording through the payment information are improved.
In a possible implementation manner of the first aspect, generating order information according to the commodity information and the user information includes:
respectively carrying out data characteristic analysis on the commodity information and the user information, and establishing a corresponding relation between the commodity information and the user information;
and generating order information matched with the user information and the commodity information according to the corresponding relation.
For example, the user information corresponding to the commodity information may be selectively modified, and the user information corresponding to the commodity information is determined by receiving an instruction input by a user through a modification control.
In a possible implementation manner of the first aspect, the order information includes prompt information, and the generating of the prompt information according to the health index information and the early warning information includes:
evaluating whether the commodity information meets the requirement of the early warning information of the user information corresponding to the commodity according to the health index information;
if the health index information of the commodity information does not conform to the early warning information of the user information, generating order information which does not contain the commodity information, or generating prompt information for selecting deletion aiming at the commodity information.
In one possible implementation manner of the first aspect, the payment account includes: a general payment account, an intervention payment account, a personalized intervention payment account, and a medical intervention payment account;
acquiring a confirmation order instruction generated by the user account based on the prompt message, and generating payment information according to the confirmation order instruction, wherein the payment information comprises one or more payment accounts, and the method comprises the following steps:
if the order information corresponding to the order confirmation instruction comprises the prompt information, generating payment information comprising the general payment account according to the order confirmation instruction, and continuously displaying the prompt information;
if the order information corresponding to the order confirmation instruction does not comprise the prompt information and the health index information is a zero hazard type quantitative value, generating payment information comprising the general payment account or the intervention payment account according to the order confirmation instruction;
if the order information corresponding to the order confirmation instruction does not comprise the prompt information and the health index information is a personalized quantitative value, generating payment information comprising the general payment account, the intervention payment account or the personalized intervention payment account according to the order confirmation instruction;
and if the order information corresponding to the order confirmation instruction does not comprise the prompt information and the health index information is a medical quantitative value, generating payment information comprising the general payment account, the intervention payment account or the medical intervention payment account according to the order confirmation instruction.
In a possible implementation manner of the first aspect, the first billing information includes health income data and prompt result data, the health income data is used to record health benefit information generated by the commodity relative to the user in the first billing information, and the prompt result data is used to record intervention result information of the commodity relative to the user, in which the prompt information exists, in the order information.
In a possible implementation manner of the first aspect, if the user account includes multiple items of user information, the first billing information of the user account is divided according to a correspondence between the user information and the commodity information, so as to obtain second billing information corresponding to the user information.
In a second aspect, an embodiment of the present application provides a payment apparatus, including:
the system comprises an acquisition module, a processing module and a display module, wherein the acquisition module is used for acquiring commodity information and user information of a user account, the commodity information comprises health index information, and the user information comprises early warning information;
the order module is used for generating order information according to the commodity information and the user information, the order information comprises prompt information, and the prompt information is generated according to the health index information and the early warning information;
the payment module is used for acquiring an order confirmation instruction input by the user account based on the prompt message and generating payment information according to the order confirmation instruction, wherein the payment information comprises one or more payment accounts;
and the bill module is used for paying through the payment account according to the payment information and generating first bill information of the user account according to a payment result.
In a third aspect, an embodiment of the present application provides a terminal device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the payment method when executing the computer program.
In a fourth aspect, the present application provides a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the computer program implements the payment method.
In a fifth aspect, the present application provides a computer program product, which when run on a terminal device, causes the terminal device to execute the payment method of any one of the above first aspects.
It is understood that the beneficial effects of the second aspect to the fifth aspect can be referred to the related description of the first aspect, and are not described herein again.
Compared with the prior art, the embodiment of the application has the advantages that: according to the embodiment, the payment terminal acquires commodity information and user information of a user account, wherein the commodity information comprises health index information, and the user information comprises early warning information; generating order information according to the commodity information and the user information, wherein the order information comprises prompt information, and the prompt information is generated according to the health index information and the early warning information; acquiring an order confirmation instruction input by the user account based on the prompt information, and generating payment information according to the order confirmation instruction, wherein the payment information comprises one or more payment accounts; according to the payment information, payment is carried out through a payment account, and first bill information of a user account is generated according to a payment result; prompting, managing and controlling and recording the health information of the user in the payment process according to the generated prompt information relative to the early warning information of the user of the health index information of the commodity information; through providing multiple payment account numbers in the payment information, realize multi-functional payment, at daily consumption in-process, record and remind people's health problem to make the user form more healthy life consumption custom, have stronger ease for use and practicality.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
FIG. 1 is a schematic diagram of a system provided by an embodiment of the present application;
fig. 2 is a schematic structural diagram of a mobile phone to which the payment method provided in an embodiment of the present application is applied;
FIG. 3 is a schematic flow chart diagram of a payment method provided by an embodiment of the present application;
FIG. 4 is a schematic flow chart illustrating the generation of order information according to an embodiment of the present disclosure;
FIG. 5 is a schematic diagram of an order information interface provided in an embodiment of the present application;
FIG. 6 is a schematic view of a payment account interface provided by another embodiment of the present application;
FIG. 7 is a schematic view of an interface for first billing information provided in an embodiment of the present application;
FIG. 8 is a schematic view of an interface for second billing information provided in accordance with another embodiment of the present application;
fig. 9 is a schematic structural diagram of a payment device provided in an embodiment of the present application;
fig. 10 is a schematic structural diagram of a terminal device according to an embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It should also be understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to" determining "or" in response to detecting ". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
Furthermore, in the description of the present application and the appended claims, the terms "first," "second," "third," and the like are used for distinguishing between descriptions and not necessarily for describing or implying relative importance.
Reference throughout this specification to "one embodiment" or "some embodiments," or the like, means that a particular feature, structure, or characteristic described in connection with the embodiment is included in one or more embodiments of the present application. Thus, appearances of the phrases "in one embodiment," "in some embodiments," "in other embodiments," or the like, in various places throughout this specification are not necessarily all referring to the same embodiment, but rather "one or more but not all embodiments" unless specifically stated otherwise. The terms "comprising," "including," "having," and variations thereof mean "including, but not limited to," unless expressly specified otherwise.
Please refer to fig. 1, which is a schematic diagram of a system according to an embodiment of the present application. As shown in the drawings, the payment method provided in the embodiment of the present application may be applied to a mobile terminal or a fixed terminal device, for example: the intelligent payment system comprises a smart phone 11, a notebook computer 12, a desktop computer 13 and the like, wherein the specific type of terminal equipment is not limited at all in the embodiment of the application, the terminal equipment performs data interaction with a server 14 in a wired or wireless mode, and electronic payment is realized through the terminal equipment; the wireless Communication method includes internet, WiFi network or Mobile network, wherein the Mobile network may include existing 2G (such as Global System for Mobile Communication (GSM)), 3G (such as Universal Mobile Telecommunications System (UMTS)), 4G (such as FDD LTE, TDD LTE) and 4.5G, 5G.
The terminal device of the embodiment of the present application is described by taking a mobile terminal as an example. Fig. 2 is a block diagram illustrating a partial structure of a mobile phone implementing a payment method according to an embodiment of the present application. Referring to fig. 2, the handset includes: a Radio Frequency (RF) circuit 210, a memory 220, an input unit 230, a display unit 240, a wireless fidelity (WiFi) module 250, a processor 260, and a power supply 270. Those skilled in the art will appreciate that the handset configuration shown in fig. 2 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
The following describes each component of the mobile phone in detail with reference to fig. 2:
the RF circuit 210 may be used for receiving and transmitting signals during information transmission and reception or during a call, and in particular, receives downlink information of a base station and then processes the received downlink information to the processor 260; in addition, the data for designing uplink is transmitted to the base station. Typically, the RF circuitry includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a Low Noise Amplifier (LNA), a duplexer, and the like. In addition, the RF circuitry 210 may also communicate with networks and other devices via wireless communications. For example, when electronic payment is performed through an application program of the payment terminal, the user may be notified of the order information or the deduction information in a short message manner. 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 input unit 230 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the cellular phone. Specifically, the input unit 230 may include a touch panel 231 and other input devices 232. The touch panel 231, also referred to as a touch screen, may collect touch operations of a user (e.g., operations of the user on or near the touch panel 231 using any suitable object or accessory such as a finger, a stylus, etc.) thereon or nearby, and drive the corresponding connection device according to a preset program. Alternatively, the touch panel 231 may include two parts of a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 260, and can receive and execute commands sent by the processor 260. In addition, the touch panel 231 may be implemented in various types, such as a resistive type, a capacitive type, an infrared ray, and a surface acoustic wave. The input unit 230 may include other input devices 232 in addition to the touch panel 231. In particular, other input devices 232 may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like.
The display unit 240 may be used to display information input by the user or information provided to the user and various menus of the mobile phone. The display unit 240 may include a display panel 241, and optionally, the display panel 241 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like. Further, the touch panel 231 may cover the display panel 241, and when the touch panel 231 detects a touch operation thereon or nearby, the touch panel is transmitted to the processor 260 to determine the type of the touch event, and then the processor 260 provides a corresponding visual output on the display panel 241 according to the type of the touch event. Although in fig. 2, the touch panel 231 and the display panel 241 are two independent components to implement the input and output functions of the mobile phone, in some embodiments, the touch panel 231 and the display panel 241 may be integrated to implement the input and output functions of the mobile phone.
WiFi belongs to short-distance wireless transmission technology, and the mobile phone can help a user to receive and send e-mails, browse webpages, access streaming media and the like through the WiFi module 250, and provides wireless broadband Internet access for the user. Although fig. 2 shows the WiFi module 250, it is understood that it does not belong to the essential constitution of the handset, and can be omitted entirely as needed within the scope not changing the essence of the invention.
The processor 260 is a control center of the mobile phone, connects various parts of the entire mobile phone by using various interfaces and lines, and performs various functions of the mobile phone and processes data by operating or executing software programs and/or modules stored in the memory 220 and calling data stored in the memory 220, thereby integrally monitoring the mobile phone. Alternatively, processor 260 may include one or more processing units; preferably, the processor 260 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into processor 260.
The handset also includes a power supply 270 (e.g., a battery) for powering the various components, which may preferably be logically connected to the processor 260 via a power management system, such that the power management system may be used to manage charging, discharging, and power consumption.
Fig. 3 shows a schematic flow chart of a payment method provided by the present application, which may be applied to the above-mentioned mobile phone by way of example and not limitation.
S301, the payment terminal acquires commodity information and user information of a user account, wherein the commodity information comprises health index information, and the user information comprises early warning information.
In a possible implementation manner, the payment terminal may be a computer or a mobile phone, and the commodity information includes basic information, such as a commodity name, a specification, a date, and the like, and further includes health index information labeled by a quantization scheme corresponding to the commodity. The quantification scheme may be a manner of directly detecting the element content of the commodity, for example, data of some detection platforms are acquired; or a calculation method of health benefits that can be achieved by the commodity can be performed according to a certain algorithm, for example, a calculation method of how much influence indexes are generated by diet relative to calories or blood sugar that can be generated by the user. The health index information includes information that the commodity may have an influence on the health index of the user, for example, the fat content of food, the index of improvement of the health of the fitness set with respect to the user, or the formaldehyde content of the living environment. The user is the object of directly using the commodity, the user information comprises early warning information, the early warning information is the change of the user health index recorded according to the historical data of the user, and specifically comprises index items such as user body fat data, heart rate data, daily calorie data, basal metabolic rate data, blood glucose index and the like, when the numerical value of the index item reaches a certain threshold value, early warning prompt is carried out, the probability that the index item based on the threshold value possibly suffers from a certain disease and the like is prompted, or intervention information is prompted to the commodity which is not suitable for the user in advance, for example, the allergy of the user can be caused by a certain commodity, or the blood glucose of the user is obviously increased, and the information which is not suitable for the user is prompted.
Optionally, the user account includes one or more user information, and the user information is stored in a user address book of the user account.
In a possible implementation manner, in a user account, a commodity user address book is created, users of the address book can be labeled or grouped, for example, permissions are set for different users, geographic location and gender information are labeled, and meanwhile, error correction records of health index items of the users are set in the address book; the user may be the user account itself, or may be a family, a roommate, a friend, or another person added to the user account, and the grouping setting division may be specifically performed.
For example, the user address book of the user account can be added in an active, passive or face-to-face manner. The users in the address book correspond to respective user accounts (the user account in other interfaces can also be a user account, and the user account of the user account can also include other user information); the user added to the address book can set viewing permission, the user can authorize the user account to view or modify various data of the self health index, and the user can set the viewing permission according to the requirement. In addition, a certain user can mark the number of the address lists of the user in the address lists of a plurality of different user accounts at the same time.
The commodity referred to in this embodiment includes a narrow commodity and a broad commodity, the narrow commodity is a specific physical commodity, and the broad commodity is, for example, a fitness plan provided by a certain fitness company or a diet plan provided by a certain diet company.
Step S302, generating order information according to the commodity information and the user information, wherein the order information comprises prompt information, and the prompt information is generated according to the health index information and the early warning information.
In one possible implementation manner, the order information simultaneously includes commodity information and user information corresponding to the commodity, and each commodity corresponds to one or more users; and meanwhile, the order information also comprises prompt information, and the prompt information is generated according to the health index information of the commodity and the early warning information in the user information and is used for prompting whether the commodity conforms to the currently matched user.
Optionally, as shown in fig. 4, a schematic flow chart of order information generation provided in another embodiment of the present application, where generating order information according to the commodity information and the user information includes:
step S401, performing data characteristic analysis on the commodity information and the user information, respectively, and establishing a corresponding relationship between the commodity information and the user information.
In a possible implementation manner, the corresponding relation between the commodity and the user can be established according to historical commodity information recorded in the user information or basic attribute information labeled on the user information and by combining the characteristics of the commodity information; and analyzing and matching according to the early warning information in the user information and the health index information of the commodity information, and determining the corresponding relation between the commodity information and the user information.
For example, if the quantitative value of the health index information of the commodity is zero-hazard health income, establishing a corresponding relationship between the commodity information and the user information by combining with the address book data of the commodity user where the user is (namely, the record data in the address books of other user accounts); if the quantitative value of the health index information of the commodity is the personalized quantitative value or the medical quantitative value, the corresponding user information is already included in the corresponding commodity information, and the corresponding user information can be acquired while the commodity information is read.
Step S402, generating order information of the user information matched with the commodity information according to the corresponding relation.
In a possible implementation manner, each piece of commodity information may be correspondingly matched with one or more pieces of user information, that is, each piece of commodity may correspond to one or more users, as shown in the order information interface schematic diagram shown in fig. 5, the commodity 1 corresponds to one user liu XX, the commodity 2 corresponds to two users liu XX and butanexx, and the commodity 3 corresponds to one user liu XX.
It should be noted that after the corresponding relationship between the commodity information and the user information is established, the order information is generated according to the corresponding relationship, and the user information part is provided with a modification item, so that the user information corresponding to the commodity information can be selectively modified, and the user information corresponding to the commodity information is re-determined by receiving an instruction input by a user through a modification control.
Further, the order information includes prompt information, and the prompt information is generated according to the health index information and the early warning information, and includes:
step S403, evaluating whether the commodity information meets the requirement of the early warning information of the user information corresponding to the commodity according to the health index information; if the health index information of the commodity information does not conform to the early warning information of the user information, generating order information which does not contain the commodity information, or generating prompt information for selecting deletion aiming at the commodity information.
In one possible implementation manner, whether the commodity information meets the early warning information in the user information corresponding to the commodity is evaluated according to the read health index information of the commodity, for example, the early warning information in the user information comprises 81g of daily required protein weight, 75g of required fat weight and 400g of required carbohydrate weight, when the fat content of the health index information in the corresponding commodity information exceeds 75g and is 100g, the commodity information is forcibly deleted when order information is generated according to the commodity information, or prompt information for recommending deletion is given to the commodity. When the health index information contained in the commodity information does not accord with the early warning information in the user information, the non-conforming information is prompted at the user information, or the deleted information is prompted at the commodity information. As shown in fig. 5, a non-compliance prompt message is given to the user # XX corresponding to the product 3, and a delete prompt message is given to the product 3. In addition, the order information also includes the aggregate price and payment options.
Illustratively, if the quantitative value of the health index information in the commodity information is zero-hazard health income, querying the health index information in the commodity information in a scanning or near field communication mode, and matching the user information with the commodity information by reading an address book of a user account, or directly selecting the user information corresponding to the commodity information according to information input by a user through the address book; and reading the user information and the early warning information included by the user information, and prompting the current commodity information by combining the early warning information. The quantitative value of the health index information in the commodity information is personalized health income, the health index information of the commodity and the scheme to the user is inquired according to the personalized quantitative scheme, the corresponding user is selected from the address list of the user account, the early warning information in the user information is read, and the prompt information is given to the commodity and the scheme by combining the early warning information. The quantitative value of the health index information in the commodity information is the health income of medical treatment, the health index information of the commodity and the health index information of the commodity information is inquired according to the medical treatment quantitative scheme, the corresponding user is selected from the address list of the user.
Step S303, obtaining a confirmation order instruction generated by the user account based on the prompt information, and generating payment information according to the confirmation order instruction, wherein the payment information comprises one or more payment accounts.
In one possible implementation mode, the user operates according to the prompt information through a user account interface of the payment terminal; the payment terminal receives a selection instruction input by a user through touch or key pressing, and the selection instruction can be used for deleting the commodity which is suggested to be deleted by the prompt information; the user account generates a confirmation order instruction based on the prompt information, and the confirmation order instruction may be generated based on that the user deletes the commodity indicated by the prompt information or may be generated based on that the commodity indicated by the prompt information is not deleted. And generating payment information according to the order confirmation instruction, wherein the payment information comprises a mode for selecting payment and an optional payment account.
In particular, the payment account may include: a general payment account, an intervention payment account, a personalized intervention payment account, and a medical intervention payment account; setting a corresponding payment account according to the category of the health index information of the commodity; for example, a general payment account can be correspondingly set for order information with prompt information to carry out payment, and the prompt information is given while the payment experience of the user is not influenced, so that the order contains commodity information of an inapplicable user to remind the payer or the user.
Optionally, the obtaining a confirmation order instruction input by the user account based on the prompt information, and generating payment information according to the confirmation order instruction, where the payment information includes one or more payment accounts, includes:
and A1, if the order information corresponding to the order confirmation instruction comprises the prompt information, generating payment information comprising the general payment account according to the order confirmation instruction, and continuously displaying the prompt information.
In a possible implementation manner, if the order information includes prompt information and the goods which do not meet the requirement are not deleted according to the prompt information, the payment can be carried out only through a general payment account, and other payment accounts are in an unselected state; the order information comprises prompt information, and when a general payment account is selected for payment, prompt information which does not remove the health risk in the order information is given.
And A2, if the order information corresponding to the order confirmation instruction does not include the prompt information and the health index information is a zero hazard class quantized value, generating payment information including the general payment account or the intervention payment account according to the order confirmation instruction.
In a possible implementation manner, if the health index information of the commodity in the order information is a zero-hazard quantized value, the payment can be performed through a general payment account or an intervention type payment account, and the other payment accounts are in an unselected state, that is, the payment information may include the general payment account or the intervention payment account.
And A3, if the order information corresponding to the order confirmation instruction does not include the prompt information and the health index information is a personalized quantitative value, generating payment information including the general payment account, the intervention payment account or the personalized intervention payment account according to the order confirmation instruction.
In a possible implementation manner, if the health indicator information of the commodity in the order information is a quantized value of a personalized class, payment can be performed through a general payment account, an intervention payment account or a personalized intervention payment account, and other payment accounts are in an unselected state, that is, the payment information may include the general payment account, the intervention payment account or the personalized intervention payment account.
And A4, if the order information corresponding to the order confirmation instruction does not include the prompt information and the health index information is a medical quantitative value, generating payment information including the general payment account, the intervention payment account or the medical intervention payment account according to the order confirmation instruction.
In a possible implementation manner, if the health index information of the commodity in the order information is a quantified value of a medical type, payment can be performed through a general payment account, an intervention type payment account or a medical intervention payment account, that is, the payment information may include the general payment account, the intervention payment account, a personalized intervention payment account or the medical intervention payment account.
It should be noted that, according to the requirement of the present embodiment, only the portion related to the present embodiment is shown in the interface diagram of fig. 6; different payment accounts may correspond to different bank cards or payment third party payment instruments, as shown in fig. 6, the payment accounts may include: a general payment account, an intervention payment account, a personalized intervention payment account, a medical intervention payment account; the order information comprises prompt information, and when a general payment account is selected for payment, prompt information which does not remove the health risk in the order information is given; the payment account can be a payment account such as a bei, a balance, a credit card, a savings card, a family number, a relative card, a medical payment amount and the like, wherein the medical payment amount payment account can only be marked as the medical intervention payment account by the medical payment amount payment account and cannot be marked by a payer.
For example, the general payment account may be a payment account with no requirements for conditions of use; the intervening payment account may be a payment account labeled with use conditions, for example, the type of health index information corresponding to a commodity in an order is not limited, but the credit score of a quantization scheme in the health index information is limited, and the order information has no prompt information of health risk or health risk is removed, where the type of the health index information includes a zero hazard class, a personalized class, and a medical class; the personalized intervention payment account and the medical intervention payment account can be payment accounts for marking use conditions, for example, health index information of a commodity is limited to a personalized quantitative value and a medical quantitative value, the credit score of a quantitative scheme in the health index information is limited, and health risk prompt information does not exist in order information or health risks are relieved.
Furthermore, the intervention payment account, the personalized intervention payment account or the medical intervention payment account is a health intervention type account, and when the intervention payment account, the personalized intervention payment account or the medical intervention payment account is selected for payment, a prompt of related intervention information is given; the related intervention information comprises health income information generated by the commodity relative to the user and prompt result information; the health income information represents beneficial health index information acquired by a user through using a corresponding commodity; the prompt result information shows the result of implementing the intervention in the payment process through the prompt information in the order information and the intervention payment account, for example, the intervention is implemented when the commodity with risk factors existing relative to the user is removed according to the prompt information.
Based on the possible realization mode, the payment accounts corresponding to the user accounts are divided and set, different use conditions are set in the intervention payment accounts, directional intervention and reminding are carried out in the payment process aiming at different types of commodities or schemes, multifunctional payment is realized, and in the daily consumption process, the health problems of people are recorded and reminded, so that the users can develop healthier life consumption habits.
And step S304, payment is carried out through the payment account according to the payment information, and first bill information of the user account is generated according to a payment result.
In a possible implementation manner, payment operation is performed according to the payment information and the selected payment account, and after payment is successful, first bill information of the user account is generated according to a payment result, wherein the first bill information includes health index information of commodities corresponding to all users in the order information and intervention result information aiming at the order information; meanwhile, the health income information and the prompt result information of each commodity user are also included, as shown in fig. 7, for the order shown in fig. 5, after the payment is performed by selecting the general payment account shown in fig. 6, the first bill information as shown in fig. 7 is generated, and the first bill information includes the amount of money to be paid, the prompt of successful transaction, the total health income information, the prompt result information, the health income information and the prompt result information of each user, and the detailed information for each user.
Optionally, the first billing information includes health income data and prompt result data, the health income data is used to record health benefit information generated by the commodity relative to the user in the first billing information, and the prompt result data is used to record intervention result information of the commodity relative to the user, in which the prompt information exists, in the order information.
In one possible implementation, as shown in fig. 7, for the user liuxx in the order information, "liuxx health income information: there are 20 harms will be well-known income information "," Liu XX suggestion result information: 2 items have no health risk, 0 item has health risk "and detailed information; for the butyl XX in the order information, giving "butyl XX health income information: there are 20 harms will be well income information "," butyl XX suggestion result information: 1 item has no health risk and 1 item has health risk "and detailed information.
Optionally, if the user account includes multiple items of user information, the first billing information of the user account is divided according to the corresponding relationship between the user information and the commodity information, so as to obtain second billing information corresponding to the user information.
In one possible implementation manner, the first bill information corresponds to bill information of all users in the order information; and splitting the first bill information according to the commodity information corresponding to the user information to obtain second bill information corresponding to each user information.
As shown in fig. 8, the second billing information is, by way of example and not limitation, billing detail information of a user, including a purchase order number, a payer name, a result of intervention by the user, a ranking of health impact of the payer on the user over a certain period of time, and health profit related information of the user; the health income related information includes health index information of the commodity and health risk information of the relative user, as shown in the figure, for the order information in fig. 5, for the user dingx, the health income related information includes: the first zero harm health income, no health risk and specific conditions, each index that specific conditions include has: the health benefit times, the time for providing the health benefits, the commodity name, whether the health intervention requirements are met (namely the requirements of early warning information in user information are met), the health quantification scheme company name (namely the object for providing the quantification scheme or the quantification model), the health quantification value and the corresponding detection details (namely the health index information in the commodity information), the medical payment amount and the highest guarantee rate details of various diseases, the credit score of the health quantification scheme, the algorithm name for calculating the credit score, the number of commodity users designed by the algorithm, the name of a payment unit of the medical payment amount and the like; the second zero harm health benefit indicates that there is a health risk, and the specific conditions include the number of health benefits, the time for providing the health benefits, the name of the product, and whether the health intervention requirement is met, if the early warning information in the user information is not met, the failure is indicated, and a specific detail indication is given, for example, allergy can be caused.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.
According to the embodiment, the payment terminal acquires commodity information and user information of a user account, wherein the commodity information comprises health index information, and the user information comprises early warning information; generating order information according to the commodity information and the user information, wherein the order information comprises prompt information, and the prompt information is generated according to the health index information and the early warning information; acquiring a confirmation order instruction generated by the user account based on the prompt information, and generating payment information according to the confirmation order instruction, wherein the payment information comprises one or more payment accounts; according to the payment information, payment is carried out through a payment account, and first bill information of a user account is generated according to a payment result; prompting, managing and controlling and recording the health information of the user in the payment process according to the generated prompt information relative to the early warning information of the user of the health index information of the commodity information; through providing multiple payment account numbers in the payment information, multifunctional payment is realized, and in the daily consumption process, the health problems of people are recorded and reminded, so that users can develop healthier life consumption habits.
Fig. 9 shows a block diagram of a device provided in the embodiment of the present application, corresponding to the payment method described in the above embodiment, and only shows a part related to the embodiment of the present application for convenience of explanation.
Referring to fig. 9, the apparatus includes:
the acquisition module 91 is configured to acquire commodity information and user information of a user account, where the commodity information includes health index information, and the user information includes early warning information;
the order module 92 is configured to generate order information according to the commodity information and the user information, where the order information includes prompt information, and the prompt information is generated according to the health index information and the early warning information;
the payment module 93 is configured to obtain an order confirmation instruction input by the user account based on the prompt information, and generate payment information according to the order confirmation instruction, where the payment information includes one or more payment accounts;
and a billing module 94, configured to perform payment through the payment account according to the payment information, and generate first billing information of the user account according to a payment result.
It should be noted that, for the information interaction, execution process, and other contents between the above-mentioned devices/units, the specific functions and technical effects thereof are based on the same concept as those of the embodiment of the method of the present application, and specific reference may be made to the part of the embodiment of the method, which is not described herein again.
According to the embodiment, the payment terminal acquires commodity information and user information of a user account, wherein the commodity information comprises health index information, and the user information comprises early warning information; generating order information according to the commodity information and the user information, wherein the order information comprises prompt information, and the prompt information is generated according to the health index information and the early warning information; acquiring a confirmation order instruction generated by the user account based on the prompt information, and generating payment information according to the confirmation order instruction, wherein the payment information comprises one or more payment accounts; according to the payment information, payment is carried out through a payment account, and first bill information of a user account is generated according to a payment result; prompting, managing and controlling and recording the health information of the user in the payment process according to the generated prompt information relative to the early warning information of the user of the health index information of the commodity information; through providing multiple payment account numbers in the payment information, multifunctional payment is realized, and in the daily consumption process, the health problems of people are recorded and reminded, so that users can develop healthier life consumption habits.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
Fig. 10 is a schematic structural diagram of a terminal device according to an embodiment of the present application. As shown in fig. 10, the terminal device 10 of this embodiment includes: at least one processor 1000 (only one shown in fig. 10), a memory 101, and a computer program 102 stored in the memory 101 and executable on the at least one processor 100, the processor 100 implementing the steps in the recommended method embodiment of any of the above-described dietary regimens when executing the computer program 102.
The terminal device 10 may be a computing device such as a desktop computer, a notebook, a palm computer, and a cloud server. The terminal device may include, but is not limited to, a processor 100, a memory 101. Those skilled in the art will appreciate that fig. 10 is merely an example of the terminal device 10, and does not constitute a limitation of the terminal device 10, and may include more or less components than those shown, or combine some of the components, or different components, such as an input-output device, a network access device, etc.
The Processor 100 may be a Central Processing Unit (CPU), and the Processor 100 may be other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, a discrete Gate or transistor logic device, a discrete hardware component, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 101 may in some embodiments be an internal storage unit of the terminal device 10, such as a hard disk or a memory of the terminal device 10. In other embodiments, the memory 101 may also be an external storage device of the terminal device 10, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), or the like provided on the terminal device 10. Further, the memory 101 may also include both an internal storage unit and an external storage device of the terminal device 10. The memory 101 is used for storing an operating system, an application program, a BootLoader (BootLoader), data, and other programs, such as program codes of the computer program. The memory 101 may also be used to temporarily store data that has been output or is to be output
The embodiments of the present application further provide a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements the steps in the above-mentioned method embodiments.
The embodiments of the present application provide a computer program product, which when running on a mobile terminal, enables the mobile terminal to implement the steps in the above method embodiments when executed.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, all or part of the processes in the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium and can implement the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer readable medium may include at least: any entity or device capable of carrying computer program code to a photographing apparatus/terminal apparatus, a recording medium, computer Memory, Read-Only Memory (ROM), random-access Memory (RAM), an electrical carrier signal, a telecommunications signal, and a software distribution medium. Such as a usb-disk, a removable hard disk, a magnetic or optical disk, etc. In certain jurisdictions, computer-readable media may not be an electrical carrier signal or a telecommunications signal in accordance with legislative and patent practice.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus/network device and method may be implemented in other ways. For example, the above-described apparatus/network device embodiments are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implementing, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not implemented. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.
Claims (10)
1. A payment method, comprising:
the payment terminal acquires commodity information and user information of a user account, wherein the commodity information comprises health index information, and the user information comprises early warning information;
generating order information according to the commodity information and the user information, wherein the order information comprises prompt information, and the prompt information is generated according to the health index information and the early warning information;
acquiring an order confirmation instruction input by the user account based on the prompt message, and generating payment information according to the order confirmation instruction, wherein the payment information comprises one or more payment accounts;
and according to the payment information, payment is carried out through the payment account, and first bill information of the user account is generated according to a payment result.
2. A payment method as recited in claim 1, wherein the user account includes one or more of the user information stored in a user address book of the user account.
3. A payment method as recited in claim 1, wherein generating order information based on the merchandise information and the user information comprises:
respectively carrying out data characteristic analysis on the commodity information and the user information, and establishing a corresponding relation between the commodity information and the user information;
and generating order information matched with the user information and the commodity information according to the corresponding relation.
4. A payment method as recited in claim 3, wherein the order information includes a prompt message generated from the health indicator information and the warning message, including:
evaluating whether the commodity information meets the requirement of the early warning information of the user information corresponding to the commodity according to the health index information;
if the health index information of the commodity information does not conform to the early warning information of the user information, generating order information which does not contain the commodity information, or generating prompt information for selecting deletion aiming at the commodity information.
5. The payment method of claim 1, wherein the payment account comprises: a general payment account, an intervention payment account, a personalized intervention payment account, and a medical intervention payment account;
acquiring a confirmation order instruction input by the user account based on the prompt message, and generating payment information according to the confirmation order instruction, wherein the payment information comprises one or more payment accounts, and the method comprises the following steps:
if the order information corresponding to the order confirmation instruction comprises the prompt information, generating payment information comprising the general payment account according to the order confirmation instruction, and continuously displaying the prompt information;
if the order information corresponding to the order confirmation instruction does not comprise the prompt information and the health index information is a zero hazard type quantitative value, generating payment information comprising the general payment account or the intervention payment account according to the order confirmation instruction;
if the order information corresponding to the order confirmation instruction does not comprise the prompt information and the health index information is a personalized quantitative value, generating payment information comprising the general payment account, the intervention payment account or the personalized intervention payment account according to the order confirmation instruction;
and if the order information corresponding to the order confirmation instruction does not comprise the prompt information and the health index information is a medical quantitative value, generating payment information comprising the general payment account, the intervention payment account or the medical intervention payment account according to the order confirmation instruction.
6. A payment method as recited in claim 1, wherein the first billing information includes health benefit data and prompt result data, the health benefit data is used for recording health benefit information generated by the commodity relative to the user in the first billing information, and the prompt result data is used for recording intervention result information of the commodity relative to the user in the order information, in which the prompt information exists.
7. The payment method as claimed in claim 1, wherein if the user account includes a plurality of items of user information, the first billing information of the user account is divided according to the correspondence between the user information and the merchandise information to obtain a second billing information corresponding to the user information.
8. A payment device, comprising:
the system comprises an acquisition module, a processing module and a display module, wherein the acquisition module is used for acquiring commodity information and user information of a user account, the commodity information comprises health index information, and the user information comprises early warning information;
the order module is used for generating order information according to the commodity information and the user information, the order information comprises prompt information, and the prompt information is generated according to the health index information and the early warning information;
the payment module is used for acquiring an order confirmation instruction input by the user account based on the prompt message and generating payment information according to the order confirmation instruction, wherein the payment information comprises one or more payment accounts;
and the bill module is used for paying through the payment account according to the payment information and generating first bill information of the user account according to a payment result.
9. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the method according to any of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 7.
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