CN111429139A - Control method and device for dynamically matching user payment mode selection - Google Patents
Control method and device for dynamically matching user payment mode selection Download PDFInfo
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- CN111429139A CN111429139A CN202010230101.3A CN202010230101A CN111429139A CN 111429139 A CN111429139 A CN 111429139A CN 202010230101 A CN202010230101 A CN 202010230101A CN 111429139 A CN111429139 A CN 111429139A
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- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/38—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
- G06Q20/409—Device specific authentication in transaction processing
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Abstract
The invention discloses a control method for dynamically matching user payment mode selection, which comprises the following steps: a. acquiring payment environment information of a user terminal; b. generating a payment page based on the payment environment information, wherein a payment interface corresponding to the payment page only comprises a payment channel corresponding to the payment environment information, and c, sending the payment page to the user terminal. Compared with the prior art, the payment method and the payment system have the advantages that the payment channel owned by the user terminal can be acquired according to the payment environment information owned by the user terminal and is generated in the payment interface as the payment mode, so that the defects that the user gives up payment or compromises payment and the like because the user cannot select the payment mode wanted by the user are overcome, a more diversified profit mode is provided for merchants, and a win-win mode between the merchants and consumers is created.
Description
Technical Field
The invention belongs to the technical field of mobile payment, and particularly relates to a control method and device for dynamically matching user payment mode selection.
Background
With the gradual popularization of intelligent mobile terminals, mobile payment is becoming more and more mature as an indispensable part of mobile terminals, and especially at present, the mobile payment used in daily life becomes the mainstream of payment consumption as the two-dimensional code technology is continuously developed and widely applied.
With the rapid development of mobile payment, many merchants have developed diversified payment modes and payment modes, and users often select a common payment mode or a payment mode owned by their mobile terminals when performing mobile payment. However, in such payment mode, the payment interface is usually a unified payment interface directly pushed to the mobile terminal through the server background, and several default payment methods widely accepted by users, such as pay treasure, WeChat, and the like, are included in the unified payment interface, however, some users who are not installed, downloaded, used, or registered cannot pay due to a single payment interface, for example, some users may use cloud flash payment, wing payment, hundred-degree payment, and the like, which are relatively not very popular payment methods, but reject consumers out of doors due to the carved payment interface, and bring about a lot of troubles to merchants and consumers.
At present, in the prior art, there is no technical scheme capable of solving the above technical problems, and specifically, there is no control method and apparatus for dynamically matching user payment mode selection.
Disclosure of Invention
Aiming at the technical defects in the prior art, the invention aims to provide a control method and a device for dynamically matching user payment mode selection, and according to one aspect of the invention, the control method for dynamically matching user payment mode selection is provided, and comprises the following steps:
a. Acquiring payment environment information of a user terminal;
b. And generating a payment page based on the payment environment information, wherein a payment interface corresponding to the payment page only comprises a payment channel corresponding to the payment environment information.
Preferably, step a comprises the steps of:
a1. And acquiring all application program information with payment function installed in the user terminal.
Preferably, step a further comprises the steps of:
a2. Testing whether each application program has an exception;
a3. And if the application program is abnormal, deleting the application program from the payment environment information.
Preferably, step a comprises the steps of:
a1', acquiring all payment channels supported by a browser contained in the user terminal, and using the payment channels as the payment environment information.
Preferably, step b is preceded by the steps of:
-obtaining payment anomaly information present in a terminal identical or similar to the user terminal;
-deleting a payment channel corresponding to the payment anomaly information from the payment environment information.
Preferably, the method further comprises the following steps:
c. And sending the payment page to the user terminal.
According to another aspect of the present invention, there is provided a control device for dynamically matching user payment method selection, comprising:
The first acquisition device is used for acquiring payment environment information of the user terminal;
And the first generating device generates a payment page based on the payment environment information, wherein a payment interface corresponding to the payment page only comprises a payment channel corresponding to the payment environment information.
Preferably, the first acquiring means includes:
And the second acquisition device is used for acquiring all the application program information with the payment function installed in the user terminal.
The first processing device tests whether each application program has an exception;
And the second processing device deletes a certain application program from the payment environment information if the application program is abnormal.
Preferably, the method further comprises the following steps:
And the third processing device sends the payment page to the user terminal.
The invention discloses a control method for dynamically matching user payment mode selection, which comprises the steps of acquiring payment environment information of a user terminal, generating a payment page based on the payment environment information, wherein a payment interface corresponding to the payment page only comprises a payment channel corresponding to the payment environment information. Compared with the prior art, the payment method and the payment system have the advantages that the payment channel owned by the user terminal can be acquired according to the payment environment information owned by the user terminal and is generated in the payment interface as the payment mode, so that the defects that the user gives up payment or compromises payment and the like because the user cannot select the payment mode wanted by the user are overcome, a more diversified profit mode is provided for merchants, and a win-win mode between the merchants and consumers is created.
Drawings
Other features, objects and advantages of the invention will become more apparent upon reading of the detailed description of non-limiting embodiments with reference to the following drawings:
Fig. 1 is a schematic flowchart illustrating a control method for dynamically matching user payment method selection according to an embodiment of the present invention;
Fig. 2 is a schematic diagram illustrating a specific process of acquiring payment environment information of a user terminal according to a first embodiment of the present invention; and
Fig. 3 is a schematic block diagram of a control device for dynamically matching user payment method selection according to another embodiment of the present invention.
Detailed Description
In order to better and clearly show the technical scheme of the invention, the invention is further described with reference to the attached drawings.
Compared with the prior art, the invention can acquire a payment channel owned by a user according to payment environment information owned by the user terminal and generate the payment channel as a payment mode in a payment interface, thereby solving the defects that the user gives up payment or compromises payment and the like because the user cannot select a desired payment mode, providing a more diversified profit mode for a merchant and creating a win-win mode between the merchant and a consumer, and fig. 1 shows a specific flow schematic diagram of the control method for dynamically matching user payment mode selection, and specifically comprises the following steps:
First, step S101 is entered to acquire payment environment information of the user terminal, and as understood by those skilled in the art, the payment environment information is a payment mode that the user can carry out mobile payment through the current user terminal, in the existing payment methods, the pay bank and the WeChat are commonly used in large payment pages, such as charging telephone fees, purchasing necessities of life, there are also some payment methods, not very common payment methods, such as cloud flash payment, wing payment, hundred payment, apple payment, huaji payment, etc., not all people will have these payment means, but as a variation, some people do not have the payment means that people commonly use, and some special payment modes, even including unionpay payment, credit card payment of various big banks and the like, cannot complete authorization and butt joint of the fixed payment interface.
The invention provides a method for determining a payment mode desired by a user based on payment environment information of the user, thereby solving the technical problem of payment for appointed consumption.
Those skilled in the art understand that, before step S102, the payment abnormal information existing in the same or similar terminal as the user terminal is preferably obtained, and in order to ensure the safety during payment, the payment abnormal information existing in the same or similar terminal as the user terminal is preferably checked to see whether there is a technical or safety vulnerability or hidden danger, and to ensure the confidentiality and safety during payment. Further, after the payment abnormal information existing in the same or similar terminal as the user terminal is acquired, the payment channel corresponding to the payment abnormal information is deleted from the payment environment information, that is, a payment page is generated based on the payment environment information, and a payment mode possibly causing wrong payment, risk payment or payment with other uncertain factors is deleted.
Then, step S102 is performed, a payment page is generated based on the payment environment information, a payment interface corresponding to the payment page only includes a payment channel corresponding to the payment environment information, and those skilled in the art understand that the payment environment information includes a payment method owned by the user terminal itself, and further generate a payment page based on the payment method owned by the user itself, in the payment page, at least, the type of the payment method, the amount of payment and the manner of payment are included, the type of the payment method is which payment method is used for payment, the amount of payment is the amount consumed by the user, the manner of payment is through which channel the payment is performed, including two-dimensional code payment, link payment, code scanning payment, face scanning payment, fingerprint payment and the like, and there is no specific order or size requirement for composition and format of the payment page, that is, all the users can be shown in a manner of making payment. In a special embodiment, the frequently used payment method can be preferably used as the default payment method and in the most prominent or first row of the payment page according to the use and consumption habits of the user, so as to facilitate the use of the user.
As a preferred embodiment of the present invention, after step S102 is executed, as shown in fig. 3, at least step S103 is further included, in which the payment page is sent to the user terminal, and those skilled in the art understand that this step is to display the payment page to the user terminal.
Fig. 2 shows a schematic flowchart of a specific process of acquiring payment environment information of a user terminal according to a first embodiment of the present invention, and as shown in fig. 2, fig. 2 mainly discloses a detailed process of step S101, and specifically includes the following steps:
Firstly, entering step S1011, acquiring all application information with payment function installed in the user terminal, where the application information with payment function installed in the user terminal includes not only the application with payment function directly like WeChat, Paibao, Payment wing, cloud flash payment, Internet easy payment, but also the application with mobile banking, barley, Mei Tuo, when having payment function but not being able to directly pay, specifically, when not acquiring the application with payment function directly, the technical solution described in the present invention can also acquire all other programs with payment function, and when having such payment mode, the present invention will display its payment mode on the payment page by establishing authorization between the user and the merchant, and jump when payment is completed at the time of payment, thereby completing payment for the current mode.
Then, step S1012 is performed to test whether each application is abnormal, and those skilled in the art understand that this step may be completed before step S1011, or may be performed to test whether each application is abnormal after step S1011, that is, after all application information with payment function installed in the user terminal is acquired, and this step is actually performed to ensure that each payment method capable of being displayed on a payment page is capable of being used normally.
Finally, as the next step of step S1012, in step S1013, if any application program is abnormal, the application program is deleted from the payment environment information, and when all application programs are displayed normally, all application programs with payment function in the user terminal are displayed on the payment page, and further, when one or some of the application programs cannot be used due to an update problem, a data packet problem, or a server problem and an abnormality occurs, the corresponding payment cannot be completed, that is, the corresponding application program is deleted from the payment environment information.
Meanwhile, those skilled in the art understand that although the present invention aims to implement and complete payment of the mobile terminal, for the computer terminal, the method of the mobile terminal may also be referred to perform acquisition of all application programs, generation of payment methods, generation of payment pages, and the like, which belong to technical solutions that are easily thought of in the art of the present invention and are not described herein again.
Furthermore, the payment channels supported by the background system are various, and the payment available to the user side is a part supported by the background system, some payment may be limited by the environment of the user, and the user can only use part of the payment modes normally, so that the user can make a judgment according to the environment of the user, and the payment modes which cannot be used by the user are concealed or deleted.
Further, as a preferred variation of the present invention, the present invention discloses not only a payment mode of obtaining information of all applications with payment function installed in the user terminal, but also a web payment mode capable of accomplishing payment, in which the user terminal pays by using a web payment mode when paying first, and at this time of paying, a web link capable of paying can be directly generated in a payment page to accomplish the payment for the current consumption, and in another very specific embodiment, the browser also has a payment function, and in such an embodiment, the browser includes a plug-in capable of performing payment, and may also be a payment mode carried by a browser operator, which does not affect the specific embodiment of the present invention and is not described herein.
Fig. 3 shows a module connection diagram of a control device for dynamically matching user payment mode selection according to another embodiment of the present invention, and according to another aspect of the present invention, there is provided a control device for dynamically matching user payment mode selection, including a first obtaining device for obtaining payment environment information of a user terminal, where a specific working principle of the first obtaining device may refer to the specific embodiment in step S101, and is not described herein again.
Further, the control device further includes a first generating device, where a payment page is generated based on the payment environment information, a payment interface corresponding to the payment page only includes a payment channel corresponding to the payment environment information, and a specific working principle of the first generating device may refer to the specific implementation manner in the step S102, which is not described herein again.
Further, the first obtaining device includes a second obtaining device that obtains all application information with payment function installed in the user terminal, and the specific working principle of the second obtaining device may refer to the specific implementation manner in step S1011, which is not described herein again.
Further, the first obtaining device further includes a first processing device, which tests whether each application program is abnormal, and the specific working principle of the first processing device may refer to the specific implementation manner in step S1012, which is not described herein again.
Further, the first obtaining device further includes a second processing device, wherein if an application program is abnormal, the application program is deleted from the payment environment information, and a specific working principle of the second processing device may refer to the specific implementation manner in the step S1013, which is not described herein again.
Further, the control device further includes a third processing device, which sends the payment page to the user terminal, and the specific working principle of the third processing device may refer to the specific implementation manner in step S103, which is not described herein again.
The foregoing description of specific embodiments of the present invention has been presented. It is to be understood that the present invention is not limited to the specific embodiments described above, and that various changes and modifications may be made by one skilled in the art within the scope of the appended claims without departing from the spirit of the invention.
Claims (9)
1. A control method for dynamically matching user payment mode selection is characterized by comprising the following steps:
a. Acquiring payment environment information of a user terminal;
b. And generating a payment page based on the payment environment information, wherein a payment interface corresponding to the payment page only comprises a payment channel corresponding to the payment environment information.
2. The control method according to claim 1, wherein step a comprises the steps of:
a1. And acquiring all application program information with payment function installed in the user terminal.
3. The control method according to claim 2, wherein step a further comprises the steps of:
a2. Testing whether each application program has an exception;
a3. And if the application program is abnormal, deleting the application program from the payment environment information.
4. The control method according to claim 1, wherein step a comprises the steps of:
a1', acquiring all payment channels supported by a browser contained in the user terminal, and using the payment channels as the payment environment information.
5. The control method according to any one of claims 1 to 4, characterized by further comprising, before step b, the steps of:
-obtaining payment anomaly information present in a terminal identical or similar to the user terminal;
-deleting a payment channel corresponding to the payment anomaly information from the payment environment information.
6. The control method according to any one of claims 1 to 5, characterized by further comprising the steps of:
c. And sending the payment page to the user terminal.
7. A control device for dynamically matching user payment mode selection, which adopts the control method of any one of claims 1-6, and is characterized by comprising:
A first acquisition means (1) for acquiring payment environment information of a user terminal;
And the first generating device (2) generates a payment page based on the payment environment information, wherein a payment interface corresponding to the payment page only comprises a payment channel corresponding to the payment environment information.
8. The control device according to claim 7, characterized in that the first acquisition means (1) comprise:
A second acquisition means (11) for acquiring information of all applications having a payment function installed in the user terminal;
A first processing means (12) for testing each of said applications for the presence of an exception;
And a second processing device (13) for deleting the application program from the payment environment information if any one of the application programs is abnormal.
9. The control device according to claim 7, characterized by further comprising:
Third processing means (3) for sending said payment page to said user terminal.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010230101.3A CN111429139A (en) | 2020-03-27 | 2020-03-27 | Control method and device for dynamically matching user payment mode selection |
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| CN202010230101.3A CN111429139A (en) | 2020-03-27 | 2020-03-27 | Control method and device for dynamically matching user payment mode selection |
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| CN112015661A (en) * | 2020-09-08 | 2020-12-01 | 江苏云柜网络技术有限公司 | Software testing method and device |
| CN112418842A (en) * | 2020-11-16 | 2021-02-26 | 深圳市橡树黑卡网络科技有限公司 | Payment mode processing method, device, equipment and storage medium |
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