CN111445223A

CN111445223A - Payment method and electronic equipment

Info

Publication number: CN111445223A
Application number: CN202010215091.6A
Authority: CN
Inventors: 陈朝俊
Original assignee: Vivo Mobile Communication Co Ltd
Current assignee: Vivo Mobile Communication Co Ltd
Priority date: 2020-03-24
Filing date: 2020-03-24
Publication date: 2020-07-24

Abstract

The embodiment of the invention discloses a payment method and electronic equipment, wherein the method comprises the following steps: receiving a first operation of a user; receiving payment information sent by the target electronic equipment through Near Field Communication (NFC) in response to the first operation; when the payment information meets a first preset condition or target attribute information of the first operation meets a second preset condition, determining a target account of at least two accounts associated with the NFC, and paying through target resources in the target account; wherein the target resource is determined by the financial institution server based on the credit value of the target user. The method and the device solve the problems that in the prior art, the payment mode is limited and the device is not applicable to some scenes such as credit payment.

Description

Payment method and electronic equipment

Technical Field

The embodiment of the invention relates to the technical field of communication, in particular to a payment method and electronic equipment.

Background

With the gradual increase of hardware configuration and the expansion of functions of electronic devices, electronic devices have become an indispensable part of people in life, especially in payment scenarios.

Currently, when a user wants to pay for a purchased product, the user may trigger the electronic device to run a payment application, pay through a bank card account bound to the payment application, and pay in a manner of displaying a two-dimensional code. However, this payment method is limited and is not applicable in some scenarios, such as credit payments.

Disclosure of Invention

The embodiment of the invention provides a payment method, electronic equipment and a storage medium, which aim to solve the problems that in the prior art, a payment mode is limited and the payment method is not applicable in some scenes such as credit payment.

In order to solve the above technical problem, the embodiment of the present invention is implemented as follows:

in a first aspect, an embodiment of the present invention provides a payment method applied to an electronic device, where the method may include:

receiving a first operation of a user;

receiving payment information sent by the target electronic equipment through Near Field Communication (NFC) in response to the first operation;

when the payment information meets a first preset condition or target attribute information of the first operation meets a second preset condition, determining a target account of at least two accounts associated with the NFC, and paying through target resources in the target account; wherein the target resource is determined by the financial institution server based on the credit value of the target user.

In a second aspect, an embodiment of the present invention provides an electronic device, which may include:

the receiving module is used for receiving a first operation of a target user;

the acquisition module is used for responding to the first input and receiving payment information sent by the target electronic equipment through Near Field Communication (NFC);

the payment module is used for determining a target account in at least two accounts associated with the NFC and paying through target resources in the target account when the payment information meets a first preset condition or target attribute information of the first operation meets a second preset condition; in a third aspect, where the target resource is determined by the financial institution server according to the credit value of the target user, an embodiment of the present invention provides an electronic device, including a processor, a memory, and a computer program stored on the memory and operable on the processor, where the computer program, when executed by the processor, implements the payment method as shown in the first aspect.

In a fourth aspect, there is provided a computer-readable storage medium having stored thereon a computer program which, if executed in a computer, causes the computer to perform the payment method as set forth in the first aspect.

In the embodiment of the invention, the payment information sent by the target electronic equipment is received through Near Field Communication (NFC), when the payment information meets a first preset condition or the target attribute information of a first operation meets a second preset condition, a target account (for example, a second-class bank account) issued by a financial institution server in at least two accounts associated with the NFC is determined, and the user payment can be realized through the NFC according to the target resource based on the target resource determined by the credit value of the user in the target account. Therefore, the method provided by the embodiment of the invention can enable the user to realize payment through near field communication in credit payment, and effectively solves the problem that the payment mode is more limited in the current credit payment scene.

Drawings

The present invention will be better understood from the following description of specific embodiments thereof taken in conjunction with the accompanying drawings, in which like or similar reference characters designate like or similar features.

Fig. 1 is a schematic view of an application scenario of a payment method according to an embodiment of the present invention;

fig. 2 is a schematic flow chart of a method for implementing payment according to an embodiment of the present invention;

fig. 3 is a flowchart of a payment method according to an embodiment of the present invention;

fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present invention;

fig. 5 is a schematic diagram of a hardware structure of an electronic device according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

At present, with the popularization of electronic devices with Near Field Communication (NFC), in a payment scenario, a silver-coupled flash capability is pushed out. Thus, more and more consumption is carried out on line through the NFC silver joint flash payment capability, and a lot of convenience is provided for users. However, NFC silver-copy capability is currently only capable of binding with debit and credit cards. Therefore, in some scenarios, when the second-class bank user (i.e. the second-class user can transact deposit, buy bank investment and financial products, consume and pay fees, etc., but the second-class bank user cannot access cash and transfer accounts to unbound accounts) is used for payment in stages, the NFC payment cannot be performed offline, and thus, the payment method is limited in the credit payment scenario.

For solving the problems in the related art, embodiments of the present invention provide a payment method, an electronic device, and a storage medium, so as to solve the problem in the related art that a payment method is limited and is not applicable in some scenarios, such as credit payment.

The payment method provided by the embodiment of the invention can be applied to the following application scenes, which are explained as follows:

as shown in fig. 1, the electronic device, the financial institution server, the financial platform server, and the target electronic device may be included in the scenario.

The electronic device comprises user equipment, and a wallet application program is arranged on the electronic device and used for binding a target account (such as a second class user) issued by a financial institution server so as to pay by using NFC through the wallet application program. The electronic equipment is provided with hardware for configuring NFC and basic service functions such as supporting flash payment and credit, and therefore the electronic equipment can be used as a payment realizing party through a wallet application program. Here, the wallet application may include at least one of the following functions: and providing a function of requesting to open a target account, a function of binding the target account NFC, a function of risk credit granting, a function of issuing target resources and a function of repayment withholding.

The financial institution server comprises a bank server and is used for determining a target account of the user according to the request information sent by the electronic equipment and determining a target resource corresponding to the target account according to the credit value of the user.

The financial platform server comprises a financial platform server providing an NFC payment function, such as a UnionPay platform server, receives a request sent by the electronic equipment for using the NFC payment function, binds a target account in the electronic equipment with the NFC function based on the request, and enables the electronic equipment to write the NFC function into the electronic equipment, so that payment can be carried out through NFC according to target resources in the payment process. Here, when the financial platform server is a unionpay platform server, the unionpay platform server as a provider of a flash payment capability (i.e., an NFC function) of a target account that supports the null issue of the financial institution server may send the target account null to an NFC chip in the electronic device with the financial institution server, so that the electronic device binds the class ii user with the NFC function of the NFC chip.

The target electronic device comprises a payee's device, i.e. a device in near field communication with the electronic device, i.e. a device sending payment information to the electronic device via NFC.

Based on this, in a scenario where the electronic device makes a payment, as shown in fig. 2, referring to the 001 interface, the user may apply for a target account (e.g., class ii user-NFC credit consumption account) from the financial institution server through a wallet application in the electronic device.

Next, referring to the 002 interface, the wallet application provides a card opening service for the target account through the interface of the target account provided by the financial institution server, and the electronic device may receive 4 pieces of key information input by the target user, such as account information (e.g., bank card), name, identification card and phone number, so as to perform card binding authentication and generate the target account.

Further, referring to the 003 interface, after the wallet application receives the target account sent by the financial institution server, the content related to credit input by the user is received through the electronic device, and the credit account is opened, so that in the credit wind control model provided by the wallet application, the credit wind control model is used for making a scoring decision whether credit is passed or not according to the credit value of the user and the input content related to credit, and determining the value (such as the amount) of the target resource corresponding to the target account.

Referring to the 004 interface, after the electronic device receives the target account and the target resource, the card issuing request of the target account is sent to the financial platform server, namely the unionpay platform server, and a target account provided by the wallet application (such as an XX wallet credit card in the figure, the card number is 0001100) is issued to the NFC chip in the electronic device, and meanwhile, the interface of the wallet application provides a card packet area so as to display the target account.

Thus, with reference to 005, the user can pay at each NFC-enabled target electronic device (e.g., point of sale (POS) machine) using NFC capabilities through the target account. The electronic equipment can receive a first operation of a user for payment; receiving payment information sent by the target electronic equipment through Near Field Communication (NFC) in response to the first operation; when the payment information meets a first preset condition or target attribute information of the first operation meets a second preset condition, determining a target account of at least two accounts associated with the NFC, and paying through target resources in the target account; wherein the target resource is determined by the financial institution server based on the credit value of the target user.

Then, referring to the 006 interface, after the wallet application program receives the consumption request information (such as the amount of money, the consumed goods and the like), the wallet application program issues the amount of money of the same amount to the opened target account through a channel provided by the financial institution server, meanwhile, the target resource of the target account is deducted by the unionpay platform server to receive a bill to the payee, and meanwhile, the wallet application program displays the corresponding consumption information to the user, including the consumption amount, the interest repayment date and the like.

Therefore, the method provided by the embodiment of the invention can enable the user to realize payment through near field communication in credit payment, and effectively solves the problem that the payment mode is more limited in the current credit payment scene.

Based on the application scenario, the following describes in detail a payment method provided by an embodiment of the present invention.

Fig. 3 is a flowchart of a payment method according to an embodiment of the present invention.

As shown in fig. 3, the payment method may specifically include steps 310 to 330, which are specifically as follows:

first, step 310, receiving a first operation of a user; next, step 320, in response to the first operation, receiving payment information sent by the target electronic device through near field communication NFC; then, step 330, when the payment information meets a first preset condition or the target attribute information of the first operation meets a second preset condition, determining a target account of the at least two accounts associated with the NFC, and performing payment through a target resource in the target account; wherein the target resource is determined by the financial institution server based on the credit value of the target user.

In this way, the payment information sent by the target electronic device is received through the Near Field Communication (NFC), when the payment information meets a first preset condition or the target attribute information of the first operation meets a second preset condition, a target account (for example, a bank second-class account) issued by the financial institution server in at least two accounts associated with the NFC is determined, and the user payment can be realized through the NFC according to the target resource based on the target resource determined by the credit value of the user in the target account. Therefore, the method provided by the embodiment of the invention can enable the user to realize payment through near field communication in credit payment, and effectively solves the problem that the payment mode is more limited in the current credit payment scene.

Based on this, the above steps are described in detail below:

first, referring to step 310, as shown in fig. 3, the first operation in the embodiment of the present invention may be a first operation of acquiring payment made by a user through an electronic device.

Next, referring to step 320, in the embodiment of the present invention, the payment information sent by the target electronic device may be received through near field communication NFC, where the payment information may include a payment amount and the like.

Then, involving step 330, at least two accounts bound by the user in the wallet application of the electronic device need to be acquired. The at least two accounts may include a target account (e.g., bank class II) and a first account (e.g., bank class I, which is an account opened by a conventional bank counter and satisfying all strict requirements of the real name system, and is simply a deposit card or a debit card of the user).

In the embodiment of the present invention, based on different payment scenarios, the target account is determined in two different manners related in the embodiment of the present invention, which may be combined with each other to determine whether to use the target account for payment, which are respectively described below:

that is, in the first mode, the payment information satisfies the first preset condition, or in the second mode, the target attribute information of the first operation satisfies the second preset condition, and the two modes are respectively described below.

The first method is as follows: in the case that the payment information satisfies a first preset condition, a target account of the at least two accounts associated with the NFC is determined.

And when the payment amount of the payment information meets a third preset condition, determining the second class of users in the at least two accounts as target accounts. And conversely, when the payment amount of the payment information does not meet the third preset condition, the payment is carried out through the resource in the first account of the at least two accounts.

Wherein the first account is a type of user; the third preset condition includes at least one of: the payment amount is larger than the first preset threshold value and is smaller than the payment amount of the second class of users.

For example, when the third preset condition is that the payment amount is greater than the first preset threshold, the user swipes the card through a wallet in the electronic device, the payment information is submitted to the financial platform server, the financial platform server returns to the wallet application program when recognizing that the payment amount in the payment information is greater than the first preset threshold, and the wallet application program automatically switches to the target account, otherwise, when the payment amount is less than the first preset threshold, the user pays through the first account.

Or, under the third preset condition that the payment amount is 10000 yuan less than the payment amount of 20000 yuan in the second class of users, the wallet application program automatically switches to the second class of users, namely the target account, and otherwise, under the condition that the payment amount is 30000 yuan greater than the payment amount of 20000 yuan, the payment is carried out through the first account.

Or, under the third preset condition that the payment amount is 10000 yuan greater than the first preset threshold 5000 yuan and less than 20000 yuan of the payment amount in the second class of users, the wallet application program is automatically switched to the second class of users, namely the target accounts, otherwise, the payment is carried out through the first account.

The second method comprises the following steps: (1) and determining a target account of the at least two accounts associated with the NFC under the condition that the target attribute information of the first operation comprises the position information and/or the wireless network information of the electronic device when the first operation is received.

Determining whether the first operation occurs at a preset position or not according to the position information and/or the wireless network information; and if the first operation occurs at the preset position, determining that the second type of user in the at least two accounts is the target account.

For example, the wireless network information connected by the user is accurately identified through a Wifi probe in the electronic device; or, through cooperation with a plurality of shopping malls, the position of the target user is identified by using a wifi probe of the shopping malls. And determining the position of the target user according to the Global Positioning System (GPS) Positioning information of the user acquired by the electronic equipment.

And if the position of the user indicates that the user is in some high-grade shops, such as household appliance shops, gold and silver shops and the like, which relate to the shop with larger product amount, determining to use the target account for payment. On the contrary, if the user is located at a position indicating that the user is in a small commodity store, for example, a restaurant or department store, which involves a small product amount, the user can pay by using the first account.

(2) And determining a target account of the at least two accounts associated with the NFC under the condition that the target attribute information of the first operation comprises behavior information of the user in the first operation. The behavior information comprises communication time length and/or communication positions of the electronic equipment and the target electronic equipment within a preset range.

Here, two possibilities are included, specifically as follows:

and (2-1) determining the target account according to the communication time length and/or the communication position of the electronic equipment and the target electronic equipment.

Determining the communication time length of the electronic equipment and the target electronic equipment, and presetting whether a rule meets a preset card swiping stay time length or not, namely if the communication time length of the electronic equipment and the target electronic equipment is within 2 seconds, using a first account to pay; and if the communication time of the electronic equipment and the target electronic equipment is more than 3 seconds, switching to the target account for payment.

Or judging the contact position of the electronic equipment and the target electronic equipment according to the induction strength of the antenna signal of the electronic equipment, if the contact position is at the top end of the electronic equipment, paying by using a first account, and if the card swiping position is at the middle section of the electronic equipment, switching to the target account for paying.

And (2-2) determining the target account by combining the communication time length and/or the communication position of the electronic equipment and the target electronic equipment and the historical payment behavior information.

When the historical payment behavior information comprises behavior information, payment is carried out through a historical payment account (wherein the historical payment account can be a target account or a first account) in the historical payment behavior information; and when the historical payment behavior information does not include the behavior information, determining the second class of users in the at least two accounts as target accounts, and paying through target resources in the target accounts.

For example, the following steps are carried out: and if the fact that the target user carries out near field communication in the same historical consumption position through the electronic equipment or by using the same target electronic equipment is obtained, determining whether to use the target account for payment or the first account for payment according to the historical payment behavior information.

In addition, when detecting that no target account exists in the at least two accounts, prompt information is output, and the prompt information is used for prompting the user to add the target account associated with the NFC.

In summary, in the embodiment of the present invention, the payment information sent by the target electronic device is received through the NFC, when the payment information meets a first preset condition or the target attribute information of the first operation meets a second preset condition, a target account (for example, a bank class ii account) issued by the financial institution server in at least two accounts associated with the NFC is determined, and based on a target resource determined by a credit value of the user in the target account, the user payment may be implemented through the NFC according to the target resource. Therefore, the method provided by the embodiment of the invention can enable the user to realize payment through near field communication in credit payment, and effectively solves the problem that the payment mode is more limited in the current credit payment scene.

Based on the payment method provided by the embodiment of the invention, the embodiment of the invention provides an electronic device, which can be specifically described in detail with reference to fig. 4.

Fig. 4 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.

As shown in fig. 4, the electronic device 40 may specifically include:

the receiving module 401 is configured to receive a first operation of a target user.

An obtaining module 402, configured to receive payment information sent by a target electronic device through near field communication NFC.

The payment module 403 is configured to determine a target account of the at least two accounts associated with the NFC and perform payment through a target resource in the target account when the payment information meets a first preset condition or the target attribute information of the first operation meets a second preset condition; wherein the target resource is determined by the financial institution server based on the credit value of the target user

The embodiment of the invention provides a mode for determining whether to use a target account for payment in the following modes, which are respectively described as follows:

in a possible embodiment, the payment module 403 is specifically configured to, when the target attribute information of the first operation includes location information and \ or wireless network information of the electronic device when receiving the first operation, determine whether the first operation occurs at a preset location according to the location information and \ or the wireless network information; and if the first operation occurs at the preset position, determining that the second type of user in the at least two accounts is the target account.

In another possible embodiment, the payment module 403 is specifically configured to determine, as the target account, a second type of user in the at least two accounts when the payment amount of the payment information satisfies a third preset condition.

The payment module 403 is further configured to pay through the resource in the first account of the at least two accounts when the payment amount of the payment information does not satisfy the third preset condition.

In yet another possible embodiment, the target attribute information of the first operation includes behavior information of the user performing the first operation, where the behavior information includes communication duration and/or communication position of the electronic device and the target electronic device within a preset range.

Based on this, the payment module 403 is specifically configured to, when the historical payment behavior information includes behavior information, perform payment through a historical payment account in the historical payment behavior information; and when the historical payment behavior information does not include the behavior information, determining the second class of users in the at least two accounts as target accounts, and paying through target resources in the target accounts.

In addition, the electronic device 40 in the embodiment of the present invention further includes a processing module 404, configured to output a prompt message when detecting that there is no target account in the at least two accounts, where the prompt message is used to prompt a user to add a target account associated with NFC.

In this way, in the embodiment of the present invention, the payment information sent by the target electronic device is received through the NFC, when the payment information meets the first preset condition or the target attribute information of the first operation meets the second preset condition, a target account (for example, a bank second-type account) issued by the financial institution server in at least two accounts associated with the NFC is determined, and based on a target resource determined by the credit value of the user in the target account, the user payment may be implemented through the NFC according to the target resource. Therefore, the electronic equipment provided by the embodiment of the invention can enable the user to realize payment through near field communication in credit payment, and effectively solves the problem that the payment mode is more limited in the current credit payment scene.

The electronic device 500 includes, but is not limited to: a radio frequency unit 501, a network module 502, an audio output unit 503, an input unit 504, a sensor 505, a display unit 506, a user input unit 507, an interface unit 508, a memory 509, a processor 510, and a power supply 511. Those skilled in the art will appreciate that the electronic device configuration shown in fig. 5 does not constitute a limitation of the electronic device, and that the electronic device may include more or fewer components than shown, or some components may be combined, or a different arrangement of components. In the embodiment of the present invention, the electronic device includes, but is not limited to, a mobile phone, a tablet computer, a notebook computer, a palm computer, a vehicle-mounted terminal, a wearable device, a pedometer, and the like.

The user input unit 507 is configured to receive a first operation of a user.

A processor 510, configured to receive, in response to the first operation, payment information sent by the target electronic device through near field communication NFC.

The processor 510 is further configured to determine a target account of the at least two accounts associated with NFC and perform payment through a target resource in the target account when the payment information meets a first preset condition or the target attribute information of the first operation meets a second preset condition; wherein the target resource is determined by the financial institution server based on the credit value of the target user.

It should be understood that, in the embodiment of the present invention, the radio frequency unit 501 may be used for receiving and sending signals during a message sending and receiving process or a call process, and specifically, receives downlink resources from a base station and then processes the received downlink resources to the processor 510; in addition, the uplink resource is transmitted to the base station. In general, radio frequency unit 501 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. In addition, the radio frequency unit 501 can also communicate with a network and other devices through a wireless communication system.

The electronic device provides wireless broadband internet access to the user via the network module 502, such as assisting the user in sending and receiving e-mails, browsing web pages, and accessing streaming media.

The audio output unit 503 may convert an audio resource received by the radio frequency unit 501 or the network module 502 or stored in the memory 505 into an audio signal and output as sound. Also, the audio output unit 503 may also provide audio output related to a specific function performed by the electronic apparatus 500 (e.g., a call signal reception sound, a message reception sound, etc.). The audio output unit 503 includes a speaker, a buzzer, a receiver, and the like.

The input unit 504 is used to receive an audio or video signal. The input Unit 504 may include a Graphics Processing Unit (GPU) 5041 and a microphone 5042, and the Graphics processor 5041 processes image resources of still pictures or video obtained by an image capture device (e.g., a camera) in a video capture mode or an image capture mode. The processed image frames may be displayed on the display unit 507. The image frames processed by the graphic processor 5041 may be stored in the memory 505 (or other storage medium) or transmitted via the radio frequency unit 501 or the network module 502. The microphone 5042 may receive sound and may be capable of processing such sound into an audio asset. The processed audio resources may be converted into a format output transmittable to a mobile communication base station via the radio frequency unit 501 in case of the phone call mode.

The electronic device 500 also includes at least one sensor 505, such as light sensors, motion sensors, and other sensors. Specifically, the light sensor includes an ambient light sensor that can adjust the brightness of the display panel 5061 according to the brightness of ambient light, and a proximity sensor that can turn off the display panel 5061 and/or a backlight when the electronic device 500 is moved to the ear. As one type of motion sensor, an accelerometer sensor can detect the magnitude of acceleration in each direction (generally three axes), detect the magnitude and direction of gravity when stationary, and can be used to identify the posture of an electronic device (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), and vibration identification related functions (such as pedometer, tapping); the sensors 505 may also include fingerprint sensors, pressure sensors, iris sensors, molecular sensors, gyroscopes, barometers, hygrometers, thermometers, infrared sensors, etc., which are not described in detail herein.

The Display unit 506 may include a Display panel 5061, and the Display panel 5061 may be configured in the form of a liquid Crystal Display (L acquired Crystal Display, L CD), an Organic light Emitting Diode (O L ED), or the like.

The user input unit 507 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic device. Specifically, the user input unit 507 includes a touch panel 5071 and other input devices 5072. Touch panel 5071, also referred to as a touch screen, may collect touch operations by a user on or near it (e.g., operations by a user on or near touch panel 5071 using a finger, stylus, or any suitable object or attachment). The touch panel 5071 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 510, and receives and executes commands sent by the processor 510. In addition, the touch panel 5071 may be implemented in various types such as a resistive type, a capacitive type, an infrared ray, and a surface acoustic wave. In addition to the touch panel 5071, the user input unit 507 may include other input devices 5072. In particular, other input devices 5072 may include, but are not limited to, a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, a mouse, and a joystick, which are not described in detail herein.

Further, the touch panel 5071 may be overlaid on the display panel 5061, and when the touch panel 5071 detects a touch operation thereon or nearby, the touch operation is transmitted to the processor 510 to determine the type of the touch event, and then the processor 510 provides a corresponding visual output on the display panel 5061 according to the type of the touch event. Although in fig. 5, the touch panel 5071 and the display panel 5061 are two independent components to implement the input and output functions of the electronic device, in some embodiments, the touch panel 5071 and the display panel 5061 may be integrated to implement the input and output functions of the electronic device, and is not limited herein.

The interface unit 508 is an interface for connecting an external device to the electronic apparatus 500. For example, the external device may include a wired or wireless headset port, an external power supply (or battery charger) port, a wired or wireless resource port, a memory card port, a port for connecting a device having an identification module, an audio input/output (I/O) port, a video I/O port, an earphone port, and the like. The interface unit 508 may be used to receive input (e.g., resource information, power, etc.) from an external device and transmit the received input to one or more elements within the electronic apparatus 500 or may be used to transmit resources between the electronic apparatus 500 and the external device.

Memory 509 may be used to store software programs as well as various resources. The memory 509 may mainly include a storage program area and a storage resource area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage resource area may store resources (such as audio resources, a phonebook, etc.) created according to the use of the cellular phone, and the like. Further, the memory 509 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid-state storage device.

The processor 510 is a control center of the electronic device, connects various parts of the whole electronic device by using various interfaces and lines, and performs various functions and processing resources of the electronic device by running or executing software programs and/or modules stored in the memory 509 and calling resources stored in the memory 509, thereby performing overall monitoring of the electronic device. Processor 510 may include one or more processing units; preferably, the processor 510 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 510.

The electronic device 500 may further include a power supply 511 (e.g., a battery) for supplying power to various components, and preferably, the power supply 511 may be logically connected to the processor 510 through a power management system, so as to implement functions of managing charging, discharging, and power consumption through the power management system.

In addition, the electronic device 500 includes some functional modules that are not shown, and are not described in detail herein.

Embodiments of the present invention also provide a computer-readable storage medium, on which a computer program is stored, which, when executed in a computer, causes the computer to perform the steps of the payment method of an embodiment of the present invention.

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling an electronic device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.

While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.

Claims

1. A payment method applied to an electronic device is characterized by comprising the following steps:

receiving a first operation of a user;

receiving payment information sent by a target electronic device through Near Field Communication (NFC) in response to the first operation;

when the payment information meets a first preset condition or the target attribute information of the first operation meets a second preset condition, determining a target account of at least two accounts associated with the NFC, and paying through a target resource in the target account; wherein the target resource is determined by the financial institution server based on the credit value of the target user.

2. The method of claim 1, wherein the target attribute information of the first operation comprises location information and/or wireless network information of the electronic device when receiving the first operation;

the determining a target account of the at least two accounts associated with the NFC when the payment information satisfies a first preset condition or the target attribute information of the first operation satisfies a second preset condition includes:

determining whether the first operation occurs at a preset position or not according to the position information and/or the wireless network information;

and if the first operation occurs at the preset position, determining that the second type of account in the at least two accounts is the target account.

3. The method of claim 1, wherein determining a target account of the at least two accounts associated with the NFC when the payment information satisfies a first preset condition or the target attribute information of the first operation satisfies a second preset condition comprises:

when the payment amount of the payment information meets a third preset condition, determining a second type of user in the at least two accounts as the target account;

the method further comprises the following steps:

when the payment amount of the payment information does not meet the third preset condition, paying through the resource in the first account of the at least two accounts;

wherein the first account is a type of user; the third preset condition comprises at least one of the following: the payment amount is larger than a first preset threshold value and is smaller than the payment amount of the second class of users.

4. The method of claim 1, wherein the target attribute information of the first operation comprises behavior information of a user performing the first operation; the behavior information comprises communication time length and/or communication position of the electronic equipment and the target electronic equipment in a preset range;

when the payment information meets a first preset condition or the target attribute information of the first operation meets a second preset condition, determining a target account of the at least two accounts associated with the NFC, and performing payment through a target resource in the target account, specifically including:

when the historical payment behavior information comprises the behavior information, payment is carried out through a historical payment account in the historical payment behavior information;

and when the historical payment behavior information does not include the behavior information, determining the second class of users in the at least two accounts as target accounts, and paying through target resources in the target accounts.

5. The method of claim 1, wherein prior to the determining the target account of the at least two accounts associated with the NFC, the method comprises:

when detecting that no target account exists in the at least two accounts, outputting prompt information, wherein the prompt information is used for prompting a user to add a target account associated with the NFC.

6. An electronic device, comprising:

the receiving module is used for receiving a first operation of a target user;

the payment module is used for determining a target account of the at least two accounts related to the NFC and paying through target resources in the target account when the payment information meets a first preset condition or target attribute information of the first operation meets a second preset condition; wherein the target resource is determined by the financial institution server based on the credit value of the target user.

7. The electronic device according to claim 9, wherein the payment module is specifically configured to, in a case that the target attribute information of the first operation includes location information and/or wireless network information of the electronic device when receiving the first operation, determine whether the first operation occurs at a preset location according to the location information and/or the wireless network information;

8. The electronic device according to claim 6, wherein the payment module is specifically configured to determine the second type of user of the at least two accounts as the target account when a payment amount of the payment information satisfies a third preset condition;

the payment module is further used for paying through the resource in the first account of the at least two accounts when the payment amount of the payment information does not meet the third preset condition;

9. The electronic device of claim 6, wherein the target attribute information of the first operation comprises behavior information of a user performing the first operation, wherein the behavior information comprises communication time and/or communication position of the electronic device and the target electronic device within a preset range;

the payment module is specifically used for paying through a historical payment account in the historical payment behavior information when the behavior information is included in the historical payment behavior information;

10. The electronic device of claim 6, further comprising a processing module configured to output a prompt for a user to add a target account associated with the NFC upon detecting that the target account is absent from the at least two accounts.