CN111523871B

CN111523871B - Payment processing method and electronic equipment

Info

Publication number: CN111523871B
Application number: CN202010296265.6A
Authority: CN
Inventors: 胡梦磊
Original assignee: Vivo Mobile Communication Hangzhou Co Ltd
Current assignee: Vivo Mobile Communication Hangzhou Co Ltd
Priority date: 2020-04-15
Filing date: 2020-04-15
Publication date: 2024-02-20
Anticipated expiration: 2040-04-15
Also published as: CN111523871A

Abstract

The invention provides a payment processing method and electronic equipment, wherein the method comprises the following steps: displaying a transaction interface, and acquiring the balance of a first payment account associated with the transaction interface, wherein the transaction interface displays the amount to be paid; judging whether target payment accounts with balances larger than or equal to the to-be-paid amount exist in the rest N payment accounts which are related to the transaction interface and are outside the first payment account or not under the condition that the balances of the first payment account are smaller than the to-be-paid amount, wherein N is a positive integer; and displaying target payment information when the target payment accounts exist in the N payment accounts, wherein the target payment information is used for representing the target payment accounts. The invention can reduce invalid payment operations such as skipping a payment interface, receiving a payment password input by a user, canceling the payment, reselecting a payment account to initiate the payment and the like, and further can simplify the operation when the payment is completed.

Description

Payment processing method and electronic equipment

Technical Field

The present invention relates to the field of internet technologies, and in particular, to a payment processing method and an electronic device.

Background

With the rapid development of internet technology, mobile payment is becoming popular, and means of mobile payment are also increasing, such as various bank account payments or various third party platform accounts payments.

In daily life, for an application platform related to payment, such as a shopping platform, a taxi taking platform or a shared vehicle platform, a user generally associates and binds a plurality of payment accounts, and when payment is required, the user can arbitrarily select one payment account from the bound plurality of payment accounts to pay. When a user selects one payment account to pay on a transaction interface, the user jumps to the payment interface corresponding to the payment account, and then pays through a payment password input by the user, but when the balance of the payment account is insufficient for payment, namely smaller than the amount to be paid, the user input is required to cancel the payment, and then another payment account is reselected on the transaction interface to initiate the payment, so that the operation is complicated when the payment is completed.

Disclosure of Invention

The embodiment of the invention provides an image processing method and electronic equipment, which can solve the problem of complicated operation when payment is completed in the prior art.

In order to solve the technical problems, the invention is realized as follows:

in a first aspect, an embodiment of the present invention provides a payment processing method, including:

displaying a transaction interface, and acquiring the balance of a first payment account associated with the transaction interface, wherein the transaction interface displays the amount to be paid;

judging whether target payment accounts with balances larger than or equal to the to-be-paid amount exist in the rest N payment accounts which are related to the transaction interface and are outside the first payment account or not under the condition that the balances of the first payment account are smaller than the to-be-paid amount, wherein N is a positive integer;

and displaying target payment information when the target payment accounts exist in the N payment accounts, wherein the target payment information is used for representing the target payment accounts.

In a second aspect, an embodiment of the present invention further provides an electronic device, including:

the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for displaying a transaction interface and acquiring the balance of a first payment account associated with the transaction interface, and the transaction interface displays the amount to be paid;

the judging module is used for judging whether target payment accounts with balances larger than or equal to the to-be-paid amount exist in the rest N payment accounts which are related to the transaction interface and are outside the first payment account or not under the condition that the balances of the first payment account are smaller than the to-be-paid amount, wherein N is a positive integer;

And the first display module is used for displaying target payment information when the target payment accounts exist in the N payment accounts, wherein the target payment information is used for representing the target payment accounts.

In a third aspect, an embodiment of the present invention further provides an electronic device, including a processor, a memory, and a computer program stored on the memory and executable on the processor, where the computer program when executed by the processor implements the steps of the payment processing method described above.

In a fourth aspect, embodiments of the present invention also provide a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the payment processing method described above.

In the embodiment of the invention, before the user pays, the user can know whether the balance of the first payment account related to the transaction interface is smaller than the amount to be paid, and under the condition that the balance of the first payment account is smaller than the amount to be paid, the payment account related to the transaction interface and with the balance being larger than or equal to the amount to be paid can be directly displayed to the user, so that invalid payment operations such as skipping the payment interface, receiving a payment password input by the user, canceling the payment, reselecting the payment account to initiate the payment and the like can be reduced, and the operations when the payment is completed can be simplified.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments of the present invention will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort to a person of ordinary skill in the art.

FIG. 1 is a flow chart of a payment processing method provided by an embodiment of the present invention;

FIG. 2 is one of exemplary diagrams of a payment processing method provided by an embodiment of the present invention;

FIG. 3 is a second exemplary diagram of a payment processing method according to an embodiment of the present invention;

FIG. 4 is a third exemplary diagram of a payment processing method according to an embodiment of the present invention;

FIG. 5 is a fourth exemplary diagram of a payment processing method provided by an embodiment of the present invention;

FIG. 6 is a block diagram of an electronic device according to an embodiment of the present invention;

fig. 7 is a block diagram of an electronic device according to another embodiment of the present invention.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

Referring to fig. 1, fig. 1 is a flowchart of a payment processing method provided in an embodiment of the present invention. The payment processing method provided by the embodiment of the invention can be applied to various electronic devices such as mobile phones, tablet computers (Tablet Personal Computer), laptop computers (Laptop computers), personal digital assistants (personal digital assistant, PDA for short), mobile internet devices (Mobile Internet Device, MID for short) or Wearable devices (Weable devices).

The payment processing method provided by the embodiment of the invention can be applied to various payment scenes such as an online shopping scene, an online taxi taking scene or an offline code scanning payment scene.

As shown in fig. 1, the payment processing method provided by the embodiment of the present invention may include the following steps:

and 101, displaying a transaction interface and acquiring the balance of a first payment account associated with the transaction interface, wherein the transaction interface displays the amount to be paid.

In an embodiment of the present invention, the transaction interface may be used to display information related to a transaction, where the information related to the transaction may include, but is not limited to, transaction item information, information of a party of the transaction, transaction amount information such as an amount to be paid, and payment information such as a payment account. The transaction interface described above may also be referred to as a payment to interface.

The amount to be paid displayed in the transaction interface may be an amount to be paid by the user displayed in the transaction interface.

The first payment account may be a payment account associated with the transaction interface and which has been selected by default or manually by the user for payment. Specifically, the first payment account may be a bank account or a third party payment platform account.

The obtaining the balance of the first payment account associated with the transaction interface may be: a first payment account associated with the transaction interface is obtained, and a balance of the first payment account is obtained.

And 102, judging whether target payment accounts with balances larger than or equal to the amount to be paid exist in the rest N payment accounts which are related to the transaction interface and are outside the first payment account or not under the condition that the balances of the first payment account are smaller than the amount to be paid, wherein N is a positive integer.

In the embodiment of the present invention, the step 102 may specifically include:

acquiring the balance of each of the remaining N payment accounts except the first payment account, which are associated with the transaction interface, under the condition that the balance of the first payment account is smaller than the amount to be paid;

And judging whether target payment accounts with balances larger than or equal to the to-be-paid amount exist in the rest N payment accounts which are related to the transaction interface and are outside the first payment account.

The N payment accounts may include, but are not limited to: a bank account, a third party paymate account.

Among the remaining N payment accounts associated with the transaction interface except for the first payment account, only one target payment account with a balance greater than or equal to the amount to be paid may exist, or a plurality of target payment accounts with a balance greater than or equal to the amount to be paid may exist, that is, the number of the target payment accounts may be one or a plurality.

And 103, displaying target payment information when the target payment accounts exist in the N payment accounts, wherein the target payment information is used for representing the target payment accounts.

In the embodiment of the present invention, when the number of target payment accounts is plural, the target payment information may be used to represent plural target payment accounts.

When the target payment information is used to represent a plurality of target payment accounts, the arrangement order of the plurality of target payment accounts may be determined randomly or according to the payment habits of the user. Specifically, when the arrangement order of the plurality of target payment accounts represented by the target payment information is determined according to the payment habits of the user, the payment account with the highest use frequency of the user may be arranged in the first place, and the payment account with the lowest use frequency of the user may be arranged in the last place. The above representation is also to be understood as being displayed.

After the target payment information is displayed, the user can enter the payment interface of the target payment account by clicking the target payment account indicated by the target payment information, so as to complete payment.

In addition, in some optional embodiments, in a case where the target payment account exists among the N payment accounts, a second prompting message may be displayed in addition to the target payment information, and the second prompting message may be used to prompt the user that the balance of the first payment account is less than the amount to be paid.

Optionally, the displaying the transaction interface and obtaining the balance of the first payment account associated with the transaction interface includes:

displaying a transaction interface, and acquiring the balance of a first payment account under the condition that the balance acquisition authority of the first payment account associated with the transaction interface is in an open state.

In the embodiment of the invention, the right to obtain the balance of the first payment account may refer to the right to obtain the balance of the first payment account. Specifically, when the balance acquisition authority is in an open state, the balance of the first payment account is allowed to be acquired, namely, the balance of the first payment account can be acquired, and when the balance acquisition authority is closed, the balance of the first payment account cannot be acquired, namely, the balance of the first payment account cannot be acquired.

The opening or closing of the balance obtaining authority of the first payment account can be set automatically through a system or can be set through input of a user. Specifically, when the balance acquisition permission of the first payment account is set through the input of the user, the balance acquisition permission can be bound with the screen locking password or the fingerprint of the user, so that the user can successfully open or close the balance acquisition permission only by inputting the correct screen locking password or fingerprint, and the safety of the payment account can be improved.

The balance of the first payment account is acquired only when the balance acquisition authority of the first payment account associated with the transaction interface is in an open state, so that the safety of the payment account can be further improved.

Optionally, after determining whether a target payment account with a balance greater than or equal to the amount to be paid exists in the remaining N payment accounts associated with the transaction interface except the first payment account when the balance of the first payment account is less than the amount to be paid, the method further includes:

and displaying overdraft type payment account information for representing at least one overdraft payment account when the target payment account does not exist in the N payment accounts.

In the embodiment of the present invention, the overdraft payment account may also be referred to as a credit payment account. The overdraft payment account may be used to provide credit consumption services for the user, that is, the overdraft payment account may pay the amount to be paid for the user in advance.

When the overdraft payment account information is used to represent a plurality of overdraft payment accounts, the arrangement order of the overdraft payment accounts may be determined randomly or according to the payment habits of the user.

After the overdraft payment account information is displayed, the user can enter the payment interface of the overdraft payment account by clicking the overdraft payment account indicated by the overdraft payment account information, so as to complete payment.

Additionally, in some optional embodiments, in the case where the target payment account does not exist in the N payment accounts, at least one of the following may be displayed in addition to the overdraft type payment account information: a third prompting message, a first cancel transaction control; the third prompting message may be used to prompt the user that the balance of each payment account associated with the transaction interface is smaller than the amount to be paid, and the first cancellation transaction control may be used to cancel the transaction when receiving the click input of the user for the cancellation transaction control.

Because overdraft payment account information is displayed when the target payment account does not exist in the N payment accounts, the overdraft payment account information is used for representing one or more overdraft payment accounts, and therefore when the balance of each payment account associated with the transaction interface is insufficient to pay the amount to be paid, an executable payment scheme can be provided for the user, the user can complete payment without recharging the payment account associated with the transaction interface, recharging operation can be further reduced, operation when the payment is completed can be further simplified, and meanwhile probability of success of the payment can be further improved.

determining T payment account groups under the condition that the target payment account does not exist in the N payment accounts, wherein T is a positive integer, each payment account group in the T payment account groups comprises at least two payment accounts associated with the transaction interface, and the sum of the balances of all payment accounts in each payment account group is larger than or equal to the amount to be paid;

and displaying payment combination information, wherein the payment combination information is used for representing at least one payment account group in the T payment account groups.

In the embodiment of the present invention, each of the above-mentioned payment account groups includes at least two payment accounts associated with the transaction interface may be understood as: each payment account group includes at least two payment accounts, and each payment account in each payment account group is associated with the transaction interface. The at least two may be two or more.

To facilitate an understanding of the sum of the balances of all payment accounts in each of the above-described payment account groups, the description is provided herein: assuming that one of the T payment account groups includes an a payment account, a B payment account, and a C payment account, the sum of the balances of all payment accounts in each of the payment account groups may refer to: the sum of the balance of the payment account A, the balance of the payment account B and the balance of the payment account C.

After displaying the payment combination information, the user may enter a corresponding payment interface of the payment account group by clicking a certain payment account group indicated by the display payment combination information, so as to complete payment.

Additionally, in some alternative embodiments, in addition to displaying payment combination information, at least one of the following may be displayed: a fourth prompting message, a second cancel transaction control; the fourth prompting message may be used to prompt the user that the balance of each payment account associated with the transaction interface is smaller than the amount to be paid, and the second cancellation transaction control may be used to cancel the transaction when receiving the click input of the user for the cancellation transaction control.

Because the T payment account groups can be determined and the payment combination information is displayed under the condition that the target payment account does not exist in the N payment accounts, the payment combination information is used for representing at least one payment account group in the T payment account groups, when the balance of each payment account associated with the transaction interface is insufficient to pay the amount to be paid, an executable payment scheme can be provided for the user, and the flexibility and the practicability can be improved.

acquiring characteristic information of a first commodity associated with the transaction interface under the condition that the target payment accounts do not exist in the N payment accounts;

determining a target commodity corresponding to the first commodity based on the characteristic information and the balance of the first payment account;

and displaying target commodity information, wherein the target commodity information is used for representing the target commodity.

In the embodiment of the present invention, the first commodity associated with the transaction interface may be a traded commodity displayed by the transaction interface. The characteristic information of the first commodity may be the name of the first commodity, the product code, the shape, structure, color, etc. of the first commodity.

The determining, based on the characteristic information and the balance of the first payment account, a target commodity corresponding to the first commodity may specifically be determining, based on the characteristic information and the balance of the first payment account, a target commodity that matches the characteristic information and has a price less than or equal to the amount of the first payment account. Here, the matches may be the same or similar.

After displaying the target commodity information, the user may enter the purchasing interface of the target commodity by clicking the target commodity indicated by the target commodity information.

Additionally, in some alternative embodiments, in addition to displaying the target merchandise information, at least one of the following may be displayed: a fifth prompting message, a third cancel transaction control; the fifth prompting message may be used to prompt the user that the balance of each payment account associated with the transaction interface is smaller than the amount to be paid, and the third cancellation transaction control may be used to cancel the transaction when receiving the click input of the user for the cancellation transaction control.

Under the condition that the target payment accounts do not exist in the N payment accounts, the characteristic information of the first commodity associated with the transaction interface can be acquired, the target commodity corresponding to the first commodity is determined based on the characteristic information and the balance of the first payment account, and the target commodity information is displayed and used for representing the target commodity, so that when the balance of each payment account associated with the transaction interface is insufficient to pay the amount to be paid, an executable transaction scheme can still be provided for a user, and flexibility and practicability can be improved.

Optionally, before the transaction interface is displayed and the balance of the first payment account associated with the transaction interface is obtained, the method further includes:

determining a payment account to be recharged under the condition that the balance of all payment accounts associated with an application program to which the transaction interface belongs is smaller than a preset value;

and recharging the payment account to be recharged by using a preset recharging account, or displaying a first prompting message, wherein the first prompting message is used for prompting a user to recharge the payment account to be recharged.

In the embodiment of the present invention, the application program to which the transaction interface belongs may have a plurality of user interfaces, and the transaction interface may be one of the plurality of user interfaces. The above-mentioned association can be understood as binding.

The preset value may be set as needed, for example, 1000 yuan, 500 yuan or 5000 yuan.

Among all the payment accounts associated with the application program to which the transaction interface belongs, only one payment account to be recharged with a balance smaller than a preset value may exist, or a plurality of payment accounts to be recharged with a balance smaller than a preset value may exist, that is, the number of the payment accounts to be recharged may be one or a plurality of payment accounts. When the number of the payment accounts to be recharged is a plurality of, the determining the payment accounts to be recharged may be determining a plurality of the payment accounts to be recharged.

The preset recharging account may be: and the payment account, such as a bank account, is preset by the user and is used for recharging each payment account associated with the application program to which the transaction interface belongs.

Under the condition that the to-be-recharged payment accounts with balances smaller than a preset value exist in all payment accounts associated with the application programs of the transaction interfaces, the to-be-recharged payment accounts are determined, and the to-be-recharged payment accounts are recharged by using the preset recharging accounts, or a first prompt message is displayed, and the first prompt message is used for prompting a user to recharge the to-be-recharged payment accounts, so that the balance sufficiency of each payment account associated with the application programs of the transaction interfaces can be better ensured, and the probability of successful payment can be improved.

It should be noted that, the various alternative embodiments described in the embodiments of the present invention may be implemented in combination with each other, or may be implemented separately, which is not limited to the embodiments of the present invention.

For the convenience of understanding the embodiments of the present invention, an online shopping payment application scenario is taken as an example, and is illustrated by the accompanying drawings. Referring to fig. 2 to 5, an embodiment of the present invention provides a payment processing method, which may include the steps of:

step 21, the user confirms the commodity information to be purchased.

Step 22, entering a payment interface, and reading a currently selected payment mode and a payment amount m associated with the payment interface, wherein the payment interface is shown in fig. 3, 31 shown in fig. 3 represents the payment amount, and 32 shown in fig. 3 represents the currently selected payment mode.

Here, the interface to be paid may be understood as the transaction interface, the payment method may be understood as the payment account, and the currently selected payment method may be understood as the first payment account.

Step 23, executing in parallel with step 22, confirming whether the user opens the payment way balance acquisition permission, executing step 24 if so, and ending according to the normal payment flow if not.

And step 24, obtaining the balance of each payment mode.

Here, each payment means includes the currently selected payment means, and all other payment means associated with the interface to be paid except for the currently selected payment means.

Step 25, judging the balance ni of the selected payment mode and the amount m to be paid, and if the balance m of the selected payment mode is enough, namely m is less than or equal to ni, completing the payment by only clicking to confirm the payment; if the balance of the selected payment method is insufficient, i.e. m > ni, step 26 is performed.

Step 26, comparing the balance of other payment modes associated with the interface to be paid with the amount m to be paid, and judging whether the balance of the other payment modes is larger than or equal to the amount m to be paid or not; if there are viable payment means with a balance greater than or equal to m among the other payment means, step 27 is performed, and if the balance of the other payment means is less than m, step 28 is performed.

Step 27, acquiring payment habits of users, sorting the feasible payment modes, arranging the feasible payment modes most commonly used by the users in front of the feasible payment modes, and popping up a prompt of insufficient balance of a selected mode at an interface to be paid, giving a recommended feasible payment mode and canceling the selection of a transaction, wherein the interface to be paid is shown in fig. 4; if the user clicks on any of the recommended possible payment means, step 29 is performed.

Step 28, popping up the prompt of insufficient balance of all payment modes at the interface to be paid, recommending available overdraft payment modes according to the relevant credit line, and providing a selection for canceling the transaction so that the user can cancel the transaction by one key, wherein the interface to be paid is shown in fig. 5; if the user clicks on any of the recommended overdraft payments, step 29 is performed.

Step 29, one key completes the payment, clears the relevant data and ends.

The present disclosure is directed to a payment processing method, and more particularly to a payment processing method for solving the problem that a transaction needs to be canceled when a balance is insufficient during mobile payment, and then recharging payment for a related payment method or selecting payment for other payment methods.

The payment processing method in this example is improved in that:

1. when the interface to be paid is used, the payment mode and the amount to be paid can be obtained, the balance of the corresponding payment mode is combined, whether the balance is insufficient is judged, if the balance is insufficient, a related prompt is given, and meanwhile, a recommended available payment mode or overdraft payment modes are given according to the balance of other payment modes and the payment habits of the user.

2. Under the premise of user authorization, when the balance is enough, the user does not need to jump to the interface, and can finish payment by one key, and when the balance is insufficient, the user can cancel the transaction by one key.

The beneficial technical effects of the payment processing method in this example are as follows:

1. the method and the device can solve the problems of overlong processing flow of insufficient balance and poor user experience in mobile payment.

2. When the balance of the selected payment mode is insufficient, recommended available payment modes are given according to the balance of other payment modes and the payment habits of the user, and overdraft payment modes can be recommended according to the amount if the balance of each payment mode is insufficient, and meanwhile, the functions of one-key payment and one-key cancellation transaction can be realized, so that the operation convenience is improved.

Referring to fig. 6, fig. 6 is a block diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 6, an electronic device 600 includes:

a first obtaining module 601, configured to display a transaction interface, and obtain a balance of a first payment account associated with the transaction interface, where the transaction interface displays an amount to be paid;

a judging module 602, configured to judge, when the balance of the first payment account is less than the amount to be paid, whether a target payment account with a balance greater than or equal to the amount to be paid exists in N payment accounts, excluding the rest of the first payment accounts, associated with the transaction interface, where N is a positive integer;

The first display module 603 is configured to display target payment information, where the target payment account exists in the N payment accounts, and the target payment information is used to represent the target payment account.

Optionally, the electronic device 600 further includes:

and the second display module is used for displaying overdraft payment account information when the target payment accounts do not exist in the N payment accounts, wherein the overdraft payment account information is used for representing at least one overdraft payment account.

Optionally, the electronic device 600 further includes:

a first determining module, configured to determine T payment account groups, where T is a positive integer, where each of the T payment account groups includes at least two payment accounts associated with the transaction interface, and a sum of balances of all payment accounts in each payment account group is greater than or equal to the amount to be paid, if the target payment account does not exist in the N payment accounts;

and the third display module is used for displaying payment combination information, and the payment combination information is used for representing at least one payment account group in the T payment account groups.

Optionally, the electronic device 600 further includes:

the second acquisition module is used for acquiring characteristic information of the first commodity associated with the transaction interface under the condition that the target payment accounts do not exist in the N payment accounts;

the second determining module is used for determining a target commodity corresponding to the first commodity based on the characteristic information and the balance of the first payment account;

and the fourth display module is used for displaying target commodity information, wherein the target commodity information is used for representing the target commodity.

Optionally, the electronic device 600 further includes:

a third determining module, configured to determine, when a to-be-recharged payment account with a balance smaller than a preset value exists in all payment accounts associated with an application program to which the transaction interface belongs, the to-be-recharged payment account;

the processing module is used for recharging the payment account to be recharged by using a preset recharging account, or displaying a first prompting message, wherein the first prompting message is used for prompting a user to recharge the payment account to be recharged.

Optionally, the first obtaining module 601 is configured to:

The electronic device 600 is capable of implementing each process implemented by the electronic device in the method embodiments of fig. 1 to 5, and for avoiding repetition, a description thereof will be omitted.

According to the electronic device 600 of the embodiment of the invention, before a user pays, the user can know whether the balance of the first payment account associated with the transaction interface is smaller than the amount to be paid, and under the condition that the balance of the first payment account is smaller than the amount to be paid, the payment account associated with the transaction interface and the balance of which is greater than or equal to the amount to be paid can be directly displayed to the user, so that invalid payment operations such as skipping the payment interface, receiving a payment password input by the user, canceling the payment, reselecting the payment account to initiate the payment and the like can be reduced, and further the operations when the payment is completed can be simplified.

Fig. 7 is a schematic diagram of a hardware structure of an electronic device implementing various embodiments of the present invention, where the electronic device 700 includes, but is not limited to: radio frequency unit 701, network module 702, audio output unit 703, input unit 704, sensor 705, display unit 706, user input unit 707, interface unit 708, memory 709, processor 710, and power supply 711. It will be appreciated by those skilled in the art that the electronic device structure shown in fig. 7 is not limiting of the electronic device and that the electronic device may include more or fewer components than shown, or may combine certain components, or a different arrangement of components. In the embodiment of the invention, the electronic equipment comprises, 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 display unit 706 is configured to display a transaction interface, where the transaction interface displays an amount to be paid;

the processor 710 is configured to:

acquiring a balance of a first payment account associated with the transaction interface;

the display unit 706 is further configured to:

Optionally, the display unit 706 is further configured to:

Optionally, the processor 710 is further configured to:

The display unit 706 is further configured to:

Optionally, the processor 710 is further configured to:

the display unit 706 is further configured to:

Optionally, the processor 710 is further configured to:

and recharging the payment account to be recharged by using a preset recharging account, or controlling the display unit 706 to display a first prompting message, wherein the first prompting message is used for prompting a user to recharge the payment account to be recharged.

Optionally, the obtaining, by the processor 710, a balance of the first payment account associated with the transaction interface includes:

And acquiring the balance of the first payment account under the condition that the balance acquisition authority of the first payment account associated with the transaction interface is in an open state.

The electronic device 700 can implement each process implemented by the electronic device in the foregoing embodiment, and in order to avoid repetition, a description is omitted here.

According to the electronic device 700 provided by the embodiment of the invention, before a user pays, the user can know whether the balance of the first payment account associated with the transaction interface is smaller than the amount to be paid, and under the condition that the balance of the first payment account is smaller than the amount to be paid, the payment account associated with the transaction interface and the balance of which is greater than or equal to the amount to be paid can be directly displayed to the user, so that invalid payment operations such as skipping the payment interface, receiving a payment password input by the user, canceling the payment, reselecting the payment account to initiate the payment and the like can be reduced, and further the operations when the payment is completed can be simplified.

It should be understood that, in the embodiment of the present invention, the radio frequency unit 701 may be used for receiving and transmitting signals during the process of receiving and transmitting information or communication, specifically, receiving downlink data from a base station, and then processing the received downlink data by the processor 710; and, the uplink data is transmitted to the base station. Typically, the radio unit 701 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 unit 701 may also communicate with networks and other devices through a wireless communication system.

The electronic device provides wireless broadband internet access to the user via the network module 702, such as helping the user to send and receive e-mail, browse web pages, and access streaming media, etc.

The audio output unit 703 may convert audio data received by the radio frequency unit 701 or the network module 702 or stored in the memory 709 into an audio signal and output as sound. Also, the audio output unit 703 may also provide audio output (e.g., a call signal reception sound, a message reception sound, etc.) related to a specific function performed by the electronic device 700. The audio output unit 703 includes a speaker, a buzzer, a receiver, and the like.

The input unit 704 is used for receiving an audio or video signal. The input unit 704 may include a graphics processor (Graphics Processing Unit, GPU) 7041 and a microphone 7042, the graphics processor 7041 processing image data of still pictures or video obtained by an image capturing apparatus (such as a camera) in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 706. The image frames processed by the graphics processor 7041 may be stored in memory 709 (or other storage medium) or transmitted via the radio unit 701 or the network module 702. The microphone 7042 can receive sound, and can process such sound into audio data. The processed audio data may be converted into a format output that can be transmitted to the mobile communication base station via the radio frequency unit 701 in the case of a telephone call mode.

The electronic device 700 also includes at least one sensor 705, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor includes an ambient light sensor that can adjust the brightness of the display panel 7061 according to the brightness of ambient light, and a proximity sensor that can turn off the display panel 7061 and/or the backlight when the electronic device 700 is moved to the ear. As one of the motion sensors, the accelerometer sensor can detect the acceleration in all directions (generally three axes), and can detect the gravity and direction when stationary, and can be used for recognizing the gesture of the electronic equipment (such as horizontal and vertical screen switching, related games, magnetometer gesture calibration), vibration recognition related functions (such as pedometer and knocking), and the like; the sensor 705 may also include a fingerprint sensor, a pressure sensor, an iris sensor, a molecular sensor, a gyroscope, a barometer, a hygrometer, a thermometer, an infrared sensor, etc., and will not be described again here.

The display unit 706 is used to display information input by a user or information provided to the user. The display unit 706 may include a display panel 7061, and the display panel 7061 may be configured in the form of a liquid crystal display (Liquid Crystal Display, LCD), an Organic Light-Emitting Diode (OLED), or the like.

The user input unit 707 is operable to receive input numeric or character information and to generate key signal inputs related to user settings and function control of the electronic device. Specifically, the user input unit 707 includes a touch panel 7071 and other input devices 7072. The touch panel 7071, also referred to as a touch screen, may collect touch operations thereon or thereabout by a user (e.g., operations of the user on the touch panel 7071 or thereabout using any suitable object or accessory such as a finger, stylus, etc.). The touch panel 7071 may include two parts, a touch detection device and a touch controller. The touch detection device detects the touch azimuth 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 detection device, converts it into touch point coordinates, and sends the touch point coordinates to the processor 710, and receives and executes commands sent from the processor 710. In addition, the touch panel 7071 may be implemented in various types such as resistive, capacitive, infrared, and surface acoustic wave. The user input unit 707 may include other input devices 7072 in addition to the touch panel 7071. In particular, other input devices 7072 may include, but are not limited to, a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and so forth, which are not described in detail herein.

Further, the touch panel 7071 may be overlaid on the display panel 7061, and when the touch panel 7071 detects a touch operation thereon or nearby, the touch operation is transmitted to the processor 710 to determine a type of a touch event, and then the processor 710 provides a corresponding visual output on the display panel 7061 according to the type of the touch event. Although in fig. 7, the touch panel 7071 and the display panel 7061 are two independent components for implementing the input and output functions of the electronic device, in some embodiments, the touch panel 7071 and the display panel 7061 may be integrated to implement the input and output functions of the electronic device, which is not limited herein.

The interface unit 708 is an interface to which an external device is connected to the electronic apparatus 700. For example, the external devices may include a wired or wireless headset port, an external power (or battery charger) port, a wired or wireless data 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 708 may be used to receive input (e.g., data information, power, etc.) from an external device and to transmit the received input to one or more elements within the electronic apparatus 700 or may be used to transmit data between the electronic apparatus 700 and an external device.

The memory 709 may be used to store software programs as well as various data. The memory 709 may mainly include a storage program area that may store an operating system, application programs required for at least one function (such as a sound playing function, an image playing function, etc.), and a storage data area; the storage data area may store data (such as audio data, phonebook, etc.) created according to the use of the handset, etc. In addition, memory 709 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 710 is a control center of the electronic device, connects various parts of the entire electronic device using various interfaces and lines, and performs various functions of the electronic device and processes data by running or executing software programs and/or modules stored in the memory 709 and calling data stored in the memory 709, thereby performing overall monitoring of the electronic device. Processor 710 may include one or more processing units; preferably, the processor 710 may integrate an application processor that primarily handles operating systems, user interfaces, applications, etc., with a modem processor that primarily handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 710.

The electronic device 700 may also include a power supply 711 (e.g., a battery) for powering the various components, and the power supply 711 may preferably be logically coupled to the processor 710 via a power management system, such as to perform functions such as managing charge, discharge, and power consumption by the power management system.

In addition, the electronic device 700 includes some functional modules, which are not shown, and will not be described herein.

Preferably, the embodiment of the present invention further provides an electronic device, which includes a processor 710, a memory 709, and a computer program stored in the memory 709 and capable of running on the processor 710, where the computer program when executed by the processor 710 implements each process of the embodiment of the payment processing method, and the same technical effects can be achieved, and for avoiding repetition, a detailed description is omitted herein.

The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor, implements the processes of the payment processing method embodiment described above, and can achieve the same technical effects, and in order to avoid repetition, the description is omitted here. Wherein the computer readable storage medium is selected from Read-Only Memory (ROM), random access Memory (Random Access Memory, RAM), magnetic disk or optical disk.

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 one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.

The embodiments of the present invention have been described above with reference to the accompanying drawings, but the present invention is not limited to the above-described embodiments, which are merely illustrative and not restrictive, and many forms may be made by those having ordinary skill in the art without departing from the spirit of the present invention and the scope of the claims, which are to be protected by the present invention.

Claims

1. A payment processing method, comprising:

displaying target payment information when the target payment accounts exist in the N payment accounts, wherein the target payment information is used for representing the target payment accounts;

and when the balance of the first payment account is smaller than the to-be-paid amount, judging whether target payment accounts with the balance larger than or equal to the to-be-paid amount exist in the rest N payment accounts which are associated with the transaction interface and are outside the first payment account, wherein the target payment accounts with the balance larger than or equal to the to-be-paid amount are included in the rest N payment accounts, and the method further comprises:

displaying target commodity information, wherein the target commodity information is used for representing the target commodity;

the determining, based on the characteristic information and the balance of the first payment account, a target commodity corresponding to the first commodity specifically includes:

determining a target commodity which is matched with the characteristic information and has a price smaller than or equal to the balance of the first payment account based on the characteristic information and the balance of the first payment account;

the displaying the transaction interface and obtaining the balance of the first payment account associated with the transaction interface includes:

2. The method of claim 1, wherein, in the case where the balance of the first payment account is less than the amount to be paid, determining whether a target payment account having a balance greater than or equal to the amount to be paid exists in the remaining N payment accounts associated with the transaction interface except for the first payment account, the method further comprises:

3. The method of claim 1, wherein, in the case where the balance of the first payment account is less than the amount to be paid, determining whether a target payment account having a balance greater than or equal to the amount to be paid exists in the remaining N payment accounts associated with the transaction interface except for the first payment account, the method further comprises:

4. The method of claim 1, wherein prior to displaying a transaction interface and obtaining a balance of a first payment account associated with the transaction interface, the method further comprises:

5. An electronic device, comprising:

the first display module is used for displaying target payment information when the target payment accounts exist in the N payment accounts, wherein the target payment information is used for representing the target payment accounts;

The electronic device further includes:

the fourth display module is used for displaying target commodity information, and the target commodity information is used for representing the target commodity;

the second determining module is specifically configured to:

the first acquisition module is used for:

6. The electronic device of claim 5, wherein the electronic device further comprises:

7. The electronic device of claim 5, wherein the electronic device further comprises:

8. The electronic device of claim 5, wherein the electronic device further comprises:

9. An electronic device comprising a processor, a memory and a computer program stored on the memory and executable on the processor, which when executed by the processor carries out the steps of the payment processing method according to any one of claims 1 to 4.

10. A computer-readable storage medium, on which a computer program is stored, which computer program, when being executed by a processor, implements the steps of the payment processing method according to any one of claims 1 to 4.