CN111523876A

CN111523876A - Payment mode display method, device and system and storage medium

Info

Publication number: CN111523876A
Application number: CN202010297250.1A
Authority: CN
Inventors: 李起裕; 李康; 张子琦
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2020-04-15
Filing date: 2020-04-15
Publication date: 2020-08-11

Abstract

The application discloses a display method, a device and a system of payment modes and a storage medium, and belongs to the technical field of computers. The method comprises the following steps: the electronic equipment acquires a payment request, wherein the payment request carries processing data of a target object; the electronic equipment sends a payment request to the server; the server determines a target payment mode which does not meet the payment condition in the selectable payment modes corresponding to the target object based on the processing data of the target object; the server returns indication information of the target payment mode to the electronic equipment; the electronic equipment receives the indication information of the target payment mode, displays the selectable payment mode corresponding to the target object on the payment interface based on the indication information of the target payment mode, and displays the target payment mode in a folding mode. The method can reduce the exposure rate of the target payment mode which does not meet the payment condition, thereby improving the payment success rate of the target object and improving the payment use experience of the target object to a certain extent.

Description

Payment mode display method, device and system and storage medium

Technical Field

The embodiment of the application relates to the technical field of computers, in particular to a method, a device and a system for displaying a payment mode and a storage medium.

Background

With the rapid development of computer technology, the rhythm of daily life of people is gradually accelerated, and more people begin to pay by using a mobile phone payment mode. For example, the payment may be made using a first payment method, or the payment may be made using a second payment method.

In the related art, an application program for payment is installed and run on an electronic device, and when a target object generates a transaction in the application program, a payment button is clicked to jump to a payment interface, where the payment interface includes multiple payment methods. The server responds to the payment request of the target object and matches the optimal payment mode for the target object, wherein the optimal payment mode can be any payment mode in a payment interface. The target object makes payment based on the optimal payment method.

However, when the optimal payment method matched with the server fails, the payment of the target object fails, so that the payment success rate of the optimal payment method is reduced, and the use experience of the target object is also affected to a certain extent.

Disclosure of Invention

The embodiment of the application provides a display method, a device and a system of a payment mode and a storage medium, which can be used for solving the problems in the related art. The technical scheme is as follows:

in one aspect, an embodiment of the present application provides a method for displaying a payment method, where the method includes:

at an electronic device, the electronic device obtaining a payment request, the payment request carrying processing data of a target object;

the electronic equipment sends the payment request to the server;

at the server, the server receives a payment request sent by the electronic equipment, wherein the payment request carries processing data of a target object;

the server determines a target payment mode which does not meet payment conditions in the selectable payment modes corresponding to the target object based on the processing data of the target object;

the server returns the indication information of the target payment mode to the electronic equipment;

at the electronic equipment, the electronic equipment receives indication information of a target payment mode returned by the server based on the processing data of the target object, wherein the target payment mode is a payment mode which does not meet payment conditions in optional payment modes corresponding to the target object;

the electronic equipment displays a payment interface, displays an optional payment mode corresponding to the target object on the payment interface based on the indication information of the target payment mode, and displays the target payment mode in a folding mode.

In one possible implementation, before determining, based on the processing data of the target object, a target payment method that does not satisfy a payment condition among the selectable payment methods corresponding to the target object, the method further includes:

for any optional payment mode, acquiring N processing data of payment failure of the optional payment mode, wherein N is an integer greater than or equal to 1;

clustering the N payment-failed processing data to obtain at least one data clustering result, and determining whether the data clustering result which does not meet the payment condition exists in the at least one data clustering result;

in response to the data clustering result which does not meet the payment condition in any optional payment mode, taking the optional payment mode as the payment mode which does not meet the payment condition;

the determining, based on the processing data of the target object, a target payment method that does not satisfy a payment condition among selectable payment methods corresponding to the target object includes:

and determining a target data clustering result to which the processing data of the target object belongs based on the data clustering result of the optional payment mode corresponding to the target object, and taking the payment mode corresponding to the target data clustering result as the target payment mode in response to the data clustering result of the target object belonging to the data clustering result which does not meet the payment condition.

In a possible implementation manner, the clustering the processing data of the N payment failures to obtain at least one data clustering result includes:

determining K processing data as initial clustering centers in the N processing data with payment failure to obtain K initial clustering centers, wherein K is an integer which is more than or equal to 1 and less than N;

calculating Euclidean distances between the N payment failure processing data and the K initial clustering centers;

clustering the N payment failure processing data based on the Euclidean distance to obtain K clustering results, and updating the K initial clustering centers according to the K clustering results to obtain K target clustering centers;

if the Euclidean distance between the K target clustering centers and the K initial clustering centers is smaller than a reference threshold value, stopping clustering, and taking the K clustering results as data clustering results of any optional payment mode;

and if the Euclidean distance between the K target clustering centers and the K initial clustering centers is not smaller than a reference threshold, continuing clustering until the Euclidean distance between the K target clustering centers and the K initial clustering centers is smaller than the reference threshold, and taking the obtained K clustering results as the data clustering results of any optional payment mode.

In one possible implementation manner, the determining whether there is a data clustering result that does not satisfy the payment condition in the at least one data clustering result includes:

determining a data clustering result of which the number of the processed data meets a first threshold value in the at least one data clustering result;

and determining the data clustering result of which the quantity of the processing data meets a second threshold value as the data clustering result which does not meet the payment condition in the data clustering results of which the quantity of the processing data meets the first threshold value.

In a possible implementation manner, the updating the K initial clustering centers according to the K clustering results to obtain K target clustering centers includes:

according to the K clustering results, updating the K initial clustering centers according to the following formula to obtain K clustering centersTarget clustering center K'_i，

N is the amount of processing data that failed payment, C_iProcessing data for any of the ith clustering results, K_iIs the ith initial cluster center.

In one possible implementation, the processing data of the target object includes at least one of payment time, location, operator used, model of electronic device used, and payment system.

In a possible implementation manner, the displaying, on the payment interface, the selectable payment method corresponding to the target object and displaying the target payment method in a folding manner includes:

and receiving an expansion instruction of the target payment mode, and expanding and displaying the target payment mode on the payment interface according to the expansion instruction.

In one aspect, an embodiment of the present application provides a display device for a payment method, where the device includes:

the acquisition module is used for acquiring a payment request, and the payment request carries processing data of a target object;

the first sending module is used for sending the payment request to the first receiving module;

the first receiving module is used for receiving the payment request sent by the first sending module, and the payment request carries the processing data of the target object;

the determining module is used for determining a target payment mode which does not meet the payment condition in the selectable payment modes corresponding to the target object based on the processing data of the target object;

the second sending module is used for returning the indication information of the target payment mode to the second receiving module;

the second receiving module is used for receiving indication information of a target payment mode returned by the second sending module based on the processing data of the target object, wherein the target payment mode is a payment mode which does not meet payment conditions in optional payment modes corresponding to the target object;

and the display module is used for displaying a payment interface, displaying an optional payment mode corresponding to the target object on the payment interface based on the indication information of the target payment mode, and displaying the target payment mode in a folding mode.

In a possible implementation manner, the obtaining module is further configured to obtain, for any optional payment method, N processing data of payment failures of the optional payment method, where N is an integer greater than or equal to 1;

the device also includes:

the clustering module is used for clustering the N payment failure processing data to obtain at least one data clustering result;

the determining module is further used for determining whether a data clustering result which does not meet the payment condition exists in the at least one data clustering result;

the determining module is further configured to, in response to the data clustering result that does not satisfy the payment condition existing in any of the optional payment methods, take the any of the optional payment methods as the payment method that does not satisfy the payment condition;

the determining module is used for determining a target data clustering result to which the processing data of the target object belongs based on the data clustering result of the optional payment mode corresponding to the target object, and taking the payment mode corresponding to the target data clustering result as the target payment mode in response to the data clustering result of the target object belonging to the data clustering result which does not meet the payment condition.

In a possible implementation manner, the clustering module is configured to determine K processed data as initial clustering centers from the N processed data that have failed to pay, to obtain K initial clustering centers, where K is an integer greater than or equal to 1 and less than N;

In a possible implementation manner, the determining module is configured to determine, from the at least one data clustering result, a data clustering result for which the number of processed data satisfies a first threshold;

In a possible implementation manner, the clustering module is configured to update the K initial clustering centers according to the K clustering results and a following formula to obtain K target clustering centers K'_i，

In a possible implementation manner, the display module is configured to receive an expansion instruction of the target payment method, and expand and display the target payment method on the payment interface according to the expansion instruction.

On the other hand, the embodiment of the present application further provides a computer-readable storage medium, where at least one program instruction is stored, and when the at least one program instruction is loaded and executed by a processor, the display method of any payment method is implemented.

In another aspect, a payment display system is provided, where the system includes an electronic device and a server, where the electronic device and the server each include a memory, a processor, and a computer program stored in the memory and executable on the processor, and each processor executes the stored computer program to implement any one of the above payment display methods.

The technical scheme provided by the embodiment of the application at least comprises the following beneficial effects:

according to the technical scheme provided by the embodiment of the application, the server determines the target payment mode which does not meet the payment condition in the optional payment modes corresponding to the target object according to the processing data of the target object carried by the payment request sent by the electronic equipment, and then sends the indication information of the target payment mode to the electronic equipment. The target payment mode which does not meet the payment condition is displayed by the payment interface of the electronic equipment in a folding mode, so that the exposure rate of the target payment mode which does not meet the payment condition is reduced, the payment success rate is improved, and the payment use experience can be improved to a certain extent.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic implementation environment diagram of a display method of a payment method according to an embodiment of the present application;

fig. 2 is a flowchart of a method for displaying a payment method according to an embodiment of the present application;

FIG. 3 is a schematic illustration of a display of a payment interface provided by an embodiment of the present application;

FIG. 4 is an expanded schematic view of a target payment method that does not satisfy a payment condition according to an embodiment of the present application;

fig. 5 is a schematic structural diagram of a display device for a payment method according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present application;

fig. 7 is a schematic structural diagram of a server according to an embodiment of the present application.

Detailed Description

To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

Fig. 1 is a schematic diagram of an implementation environment of a display method of a payment method provided in an embodiment of the present application, and as shown in fig. 1, the implementation environment includes: a server 101 and an electronic device 102.

The server 101 may be one server or a server cluster including a plurality of servers. The server 101 may be at least one of a cloud computing platform and a virtualization center, which is not limited in this embodiment of the present application. The server 101 is configured to receive a payment request sent by the electronic device, and determine a target payment method that does not satisfy a payment condition among selectable payment methods corresponding to a target object based on the payment request. The server 101 is also configured to return indication information of the target payment method to the electronic device 102. Of course, the server 101 may also include other functional servers to provide more comprehensive and diversified services.

The electronic device 102 may be at least one of a smart phone, a game console, a desktop computer, a tablet computer, an MP3(Moving Picture Experts Group Audio Layer III) player, an MP4(Moving Picture Experts Group Audio Layer IV) player, and a laptop computer. The electronic device 102 is connected to the server 101 through a wired network or a wireless network, and an application program for payment is installed on the electronic device 102. The electronic device 102 is configured to obtain a payment request and send the payment request to the server 101. The electronic device 102 is configured to receive indication information of a target payment method returned by the server 101 based on the processing data of the target object, and the electronic device 102 is further configured to display a payment interface, display an optional payment method corresponding to the target object on the payment interface based on the indication information of the target payment method, and display the target payment method in a folding manner.

Based on the implementation environment, the embodiment of the present application provides a method for displaying a payment method, and taking a flowchart of the method for displaying a payment method provided by the embodiment of the present application shown in fig. 2 as an example, the method may be implemented by an interaction process between the server 101 and the electronic device 102 in fig. 1. The server 101 and the electronic device 102 are communicatively connected via a network. As shown in fig. 2, the method comprises the steps of:

in step 201, the electronic device obtains a payment request, where the payment request carries processing data of a target object.

In an exemplary embodiment of the present application, an application for payment is installed and executed in an electronic device. When the target object generates a transaction in the application, the target object may click a payment button for payment in the application. The electronic device responds to the click operation of the target object, generates a payment request for the target object, namely the electronic device obtains the payment request, and the payment request carries processing data of the target object.

In step 202, the electronic device sends the payment request to a server.

In the exemplary embodiment of the application, the electronic device may directly send the payment request to the server after obtaining the payment request. The electronic device may also send the payment request to the server based on the acquisition request after receiving the acquisition request sent by the server. The sending time of the payment request is not limited in the embodiment of the application.

In step 203, the server receives a payment request sent by the electronic device, where the payment request carries processing data of the target object.

In the embodiment of the application, the server receives the payment request sent by the electronic device, analyzes the payment request, and obtains the processing data of the target object carried in the payment request based on the analysis result.

In step 204, the server determines a target payment method that does not satisfy the payment condition among the selectable payment methods corresponding to the target object based on the processing data of the target object.

In the exemplary embodiment of the present application, the server further needs to determine, based on the processing data of the target object, a payment failure processing data based on the optional payment method before determining, from the optional payment methods corresponding to the target object, a target payment method that does not satisfy the payment condition, in the optional payment method, for details, in steps 2041 to 2042 below:

step 2041, for any optional payment mode, acquiring processing data of N payment failures of any optional payment mode, where N is an integer greater than or equal to 1.

For example, the selectable payment method may be a first selectable payment method or a second selectable payment method, and the embodiment of the present application does not limit the type of the selectable payment method.

In a possible implementation manner, the server may divide the storage space thereof into a target number of first storage spaces, and each first storage space stores therein N processing data of payment failures for one optional payment method.

For example, the storage space of the server is divided into 3 first storage spaces, the first storage space stores the processing data of the first payment failures of the first selectable payment mode, the second first storage space stores the processing data of the second payment failures of the second selectable payment mode, and the third storage space stores the processing data of the third payment failures of the third selectable payment mode.

In one possible implementation manner, the server may obtain the processing data of the N payment failures of any optional payment method from the storage space of the server. Illustratively, the server obtains processing data of N payment failures of the first optional payment mode, and the process is as follows: the server extracts, based on the first optional payment method, the processing data stored in the first storage space corresponding to the first optional payment method, that is, the processing data of N payment failures obtained from the first optional payment method.

And 2042, clustering the N payment failure processing data to obtain at least one data clustering result.

In a possible implementation manner, the server obtains N processing data of payment failures of a certain optional payment manner, and the server clusters the N processing data of payment failures to obtain at least one data clustering result as follows:

step one, K processing data are determined to be initial clustering centers in the N processing data with payment failure, and K is an integer which is larger than or equal to 1 and smaller than N, and the K initial clustering centers are obtained.

In a possible implementation manner, the server may randomly determine K processing data as initial clustering centers from the N processing data with payment failures, to obtain K initial clustering centers. The server can also determine K processing data as initial clustering centers from the N processing data failed in payment according to experience to obtain K initial clustering centers. The server can also determine K processing data as initial clustering centers in the N processing data of payment failure based on the characteristics included in the N processing data of payment failure, so as to obtain K initial clustering centers. The embodiment of the application does not limit the way of determining that the K processing data are the initial clustering centers in the N processing data failed to pay.

For example, the server may determine K processing data from the N payment-failed processing data based on an operator included in the N payment-failed processing data, and use the K processing data as the initial clustering centers, thereby obtaining K initial clustering centers.

For example, the server obtains processing data of five payment failures in the first selectable payment mode, which are respectively: the first processing data, the second processing data, the third processing data, the fourth processing data and the fifth processing data. The server obtains the operators included in the processing data of the five payment failures, which are respectively: the system comprises a first operator, a second operator, a third operator, a first operator and a third operator. Based on the operators included in the five payment failure processing data, three payment failure processing data are determined as initial clustering centers in the five payment failure processing data, and three initial clustering centers are obtained. For example, the three determined initial clustering centers are: the initial clustering center 1 is first processed data, the initial clustering center 2 is second processed data, and the initial clustering center 3 is third processed data.

And step two, calculating Euclidean distances between the processing data of the N payment failures and K initial clustering centers.

In one possible implementation, the server may calculate euclidean distances L between the N payment-failed processing data and the K initial cluster centers based on the following formula (1)_i：

In the above formula (1), N_iProcessing data for the ith payment failure, K_iIs the ith initial cluster center, and K is the number of the initial cluster centers.

It should be noted that the euclidean distance between each payment failure processing data and each initial cluster center is calculated by the above formula (1), and therefore, the euclidean distance between each payment failure processing data and each initial cluster center may be obtained by performing multiple calculations.

And thirdly, clustering the N processed data failed in payment based on the Euclidean distance to obtain K clustering results, and updating K initial clustering centers according to the K clustering results to obtain K target clustering centers.

In a possible implementation manner, based on the euclidean distance between each payment failure processing data obtained in the second step and each initial clustering center, clustering is performed on each payment failure processing data to obtain K clustering results.

In one possible implementation, the processing data that fails to pay is clustered with the initial cluster center with the shortest euclidean distance based on the euclidean distances between the processing data that fails to pay and the K initial cluster centers. And performing the operation on each processing data failed in payment, so that K clustering results can be obtained, wherein each clustering result comprises C processing data, and C is an integer greater than or equal to 1 and less than N.

For example, the euclidean distance between the processing data (first processing data) for which a payment has failed and the initial cluster center 1 is 5, the euclidean distance between the processing data and the initial cluster center 2 is 10, the euclidean distance between the processing data and the initial cluster center 3 is 3, and the euclidean distance between the processing data and the initial cluster center 4 is 7. Based on the four euclidean distances, the first processed data and the initial clustering center 3 are clustered together, so that a third clustering result corresponding to the initial clustering center 3 can be obtained, that is, the third clustering result corresponding to the initial clustering center 3 includes the initial clustering center 3 and the first processed data.

In a possible implementation manner, the server may update the K initial clustering centers according to the following formula (2) according to the K clustering results to obtain K target clustering centers K'_i：

In the above formula (2), N is the number of processing data of payment failure, C_iProcessing data for any of the ith clustering results, K_iIs the ith initial cluster center.

It should be noted that each clustering result updates the initial clustering center according to the above formula, so as to obtain an updated target clustering center.

Step four, if the Euclidean distance between the K target clustering centers and the K initial clustering centers is smaller than a reference threshold value, stopping clustering, and taking the K clustering results as data clustering results of any optional payment mode;

in a possible implementation manner, the server calculates the euclidean distance between the initial cluster center and the corresponding target cluster center based on the K initial cluster centers obtained in the first step and the K target cluster centers obtained in the third step, that is, calculates the euclidean distance between the initial cluster center 1 and the target cluster center 1, the euclidean distance between the initial cluster center 2 and the target cluster center 2, and so on until the euclidean distance between the initial cluster center K and the target cluster center K is calculated. Thereby, Euclidean distances between the K initial clustering centers and the K target clustering centers can be obtained. And comparing each Euclidean distance with a reference threshold, stopping clustering if the Euclidean distance is smaller than the reference threshold, and taking the K clustering results as data clustering results of the optional payment modes.

It should be noted that the reference threshold may be 3 or 5, and the value of the reference threshold is not limited in the embodiment of the present application.

And step five, if the Euclidean distance between the K target clustering centers and the K initial clustering centers is not smaller than a reference threshold value, continuing clustering until the Euclidean distance between the K target clustering centers and the K initial clustering centers is smaller than the reference threshold value, and taking the obtained K clustering results as data clustering results of any optional payment mode.

In a possible implementation manner, the process of calculating the euclidean distances between the K target clustering centers and the K initial clustering centers in the step five is consistent with the calculation process in the step four, and is not repeated here. And if the Euclidean distance is not smaller than the reference threshold, continuing clustering until the Euclidean distance between the K target clustering centers and the K initial clustering centers is smaller than the reference threshold, and taking the obtained K clustering results as the data clustering results of the optional payment mode.

It should be noted that the steps from the first step to the fifth step are only a determination process of a data clustering result of one optional payment method, and each optional payment method needs to be subjected to the steps from the first step to the fifth step to determine the data clustering result of the optional payment method.

Step 2043, determining whether a data clustering result which does not meet the payment condition exists in the at least one data clustering result.

In one possible implementation manner, the determining whether the data clustering result which does not meet the payment condition exists in the at least one data clustering result includes the following two steps:

step one, determining a data clustering result of which the quantity of processed data meets a first threshold value in at least one data clustering result.

In a possible implementation manner, the server calculates the amount of the processing data included in each data clustering result based on at least one data clustering result, and extracts the data clustering results of which the amount of the included processing data exceeds a first threshold.

For example, the first optional payment mode has five data clustering results, the first data clustering result includes 10 processing data, the second data clustering result includes 5 processing data, the third data clustering result includes 8 processing data, the fourth data clustering result includes 15 processing data, and the fifth data clustering result includes 7 processing data. And extracting the data clustering results of which the number of the processed data exceeds 8, namely extracting the first data clustering result and the fourth data clustering result.

It should be noted that, the first threshold is only illustrated as 8, the first threshold may be any value, and the value of the first threshold is not limited in the embodiment of the present application.

And step two, determining the data clustering result of which the quantity of the processed data meets a second threshold value as the data clustering result which does not meet the payment condition in the data clustering result of which the quantity of the processed data meets the first threshold value.

In a possible implementation manner, based on the data clustering results extracted in the step one and having the number of the processed data exceeding the first threshold, the server further needs to judge the number of the same processed data in each data clustering result, and determine the data clustering result having the number of the same processed data meeting the second threshold as the data clustering result not meeting the payment condition.

For example, the first data clustering result and the fourth data clustering result obtained in the first step are obtained, where the number of the same processing data in the first data clustering result is 5, and the number of the same processing data in the fourth data clustering result is 8, and the data clustering result in which the number of the same processing data exceeds 6 is determined as the data clustering result that does not satisfy the payment condition, that is, the fourth data clustering result is determined as the data clustering result that does not satisfy the payment condition.

It should be noted that, the second threshold is only illustrated as 6, the second threshold may be any value, and the value of the second threshold is not limited in this embodiment of the application.

Step 2044, in response to the data clustering result which does not meet the payment condition in any optional payment method, taking any optional payment method as the payment method which does not meet the payment condition.

In a possible implementation manner, based on the result obtained in step 2043, if there is a data clustering result that does not satisfy the payment condition in a certain optional payment manner, because the data clustering result that does not satisfy the payment condition belongs to the certain optional payment manner, the optional payment manner is determined as the payment manner that does not satisfy the payment condition.

For example, the fourth data clustering result obtained in step 2043 is a payment method that does not satisfy the payment condition, and since the fourth data clustering result is a data clustering result corresponding to the first optional payment method, the first optional payment method is determined as the payment method that does not satisfy the payment condition.

In this embodiment of the application, based on the processing data of the target object, a process of determining a target payment method that does not satisfy the payment condition among the selectable payment methods corresponding to the target object may be as follows:

and determining a target clustering result to which the processing data of the target object belongs based on the data clustering result of the optional payment mode corresponding to the target object, and taking the payment mode corresponding to the target data clustering result as a target payment mode in response to the data clustering result that the target data clustering result belongs to the data clustering result which does not meet the payment condition.

In a possible implementation manner, according to the processing data of the target object, a target clustering result to which the target object belongs is determined in the data clustering results of the optional payment methods corresponding to the target object. And judging whether the target data clustering result belongs to the data clustering result which does not meet the payment condition. And if the target data clustering result does not belong to the data clustering result which does not meet the payment condition, determining the payment mode corresponding to the target data clustering result as an optional payment mode. And if the target data clustering result belongs to the data clustering result which does not meet the payment condition, determining the payment mode corresponding to the target data clustering result as the target payment mode.

For example, the selectable payment method corresponding to the target object includes a first selectable payment method, a second selectable payment method, and a third selectable payment method, and the target clustering result to which the processing data of the target object belongs is a first clustering result in the first selectable method, and the first clustering result is a data clustering result that does not satisfy the payment condition, and then the first selectable payment method is determined as the payment method that does not satisfy the payment condition, that is, the first selectable payment method is determined as the target payment method.

In step 205, the server returns an indication of the target payment method to the electronic device.

In this embodiment of the application, after obtaining the target payment method of the target object based on the step 204, the server may generate the indication information based on the target payment method. If the target payment method is the first optional payment method, the content of the indication information of the target payment method may be "the first optional payment method is a payment method that does not satisfy the payment condition".

In a possible implementation manner, the server may directly send the indication information of the target payment method to the electronic device to inform the electronic device that the target payment method is a payment method that does not satisfy the payment condition. The server can also send the indication information of the target payment mode to the electronic equipment after receiving the acquisition request sent by the electronic equipment. The sending time of the indication information of the target payment method is not limited in the embodiment of the application.

In step 206, the electronic device receives indication information of a target payment method returned by the server based on the processing data of the target object, where the target payment method is a payment method that does not satisfy the payment condition among the selectable payment methods corresponding to the target object.

In the embodiment of the application, the electronic device receives indication information of a target payment method sent by a server, and the electronic device determines a payment method which does not meet payment conditions in selectable payment methods corresponding to the target object based on the indication information of the target payment method. For example, if the indication information of the target payment method is "the first optional payment method is the payment method that does not satisfy the payment condition", the electronic device determines that the first optional payment method is the payment method that does not satisfy the payment condition based on the indication information.

In step 207, the electronic device displays a payment interface, displays an optional payment method corresponding to the target object on the payment interface based on the indication information of the target payment method, and displays the target payment method in a folding manner.

In the embodiment of the application, the electronic device may display a payment interface, and an optional payment mode corresponding to the target object is displayed in the payment interface. The electronic device can fold the target payment mode based on the indication information of the target payment mode, that is, other optional payment modes except the target payment mode are displayed in the payment interface of the electronic device. For example, in the payment interface of the electronic device, the selectable payment methods are folded, and a selectable payment method two and a selectable payment method three are displayed. Fig. 3 is a schematic display diagram of a payment interface provided in an embodiment of the present application, where a second selectable payment method and a third selectable payment method are displayed in the payment interface in fig. 3, and the selectable payment methods are displayed in a folded manner. As shown in the left and right diagrams of fig. 3, the two methods of folding the display are shown, and the first optional payment method is completely folded and is not displayed on the payment interface in the left diagram of fig. 3. The right diagram in fig. 3 is an incomplete collapse of the alternative payment means. The target object can select the second optional payment mode or the third optional payment mode in the payment interface, click the payment button and pay based on the selected optional payment mode.

The success rate of the target payment mode which does not meet the payment condition is not high, so that the condition of unsuccessful payment exists, in order to improve the payment success rate and save the payment time, the target payment mode which does not meet the payment condition is folded and displayed to reduce the exposure, and the probability of selecting the target payment mode by a user is reduced. The user can select the payment mode meeting the payment condition to pay, and the payment success rate is further improved.

In a possible implementation manner, if the target object wants to use the target payment method for payment, the target object may click a folding button in the payment interface, that is, send an expansion instruction of the target payment method to the electronic device, the electronic device receives the expansion instruction of the target payment method, and according to the expansion instruction, the target payment method is expanded on the payment interface, that is, the target payment method is displayed in the payment interface. Fig. 4 is a schematic diagram illustrating expansion of a target payment method that does not satisfy a payment condition according to an embodiment of the present disclosure, in fig. 4, when a target user clicks an inverted triangle button in the payment interface, that is, sends an expansion instruction to an electronic device, the electronic device receives the expansion instruction, and based on the expansion instruction, a first optional payment method that does not satisfy the payment condition may be displayed on the payment interface. When the target object selects the first optional payment mode, the payment button can be clicked, and payment is carried out based on the first optional payment mode.

According to the method, the server determines the target payment mode which does not meet the payment condition in the optional payment modes corresponding to the target object according to the processing data of the target object carried by the payment request sent by the electronic equipment, and sends the indication information of the target payment mode to the electronic equipment so as to inform the electronic equipment that the target payment mode is the payment mode which does not meet the payment condition, the payment interface of the electronic equipment displays the target payment mode which does not meet the payment condition in a folding mode so as to reduce the exposure rate of the target payment mode which does not meet the payment condition, so that the payment success rate of the target object can be improved, and the payment use experience of the target object can be improved to a certain extent.

Fig. 5 is a schematic structural diagram of a display device of a payment method according to an embodiment of the present application, and as shown in fig. 5, the device includes:

an obtaining module 501, configured to obtain a payment request, where the payment request carries processing data of a target object;

a first sending module 502, configured to send the payment request to a first receiving module;

a first receiving module 503, configured to receive a payment request sent by the first sending module, where the payment request carries processing data of a target object;

a determining module 504, configured to determine, based on the processing data of the target object, a target payment method that does not satisfy the payment condition among the selectable payment methods corresponding to the target object;

a second sending module 505, configured to return indication information of the target payment method to the second receiving module;

a second receiving module 506, configured to receive indication information of a target payment method returned by the second sending module based on the processing data of the target object, where the target payment method is a payment method that does not meet a payment condition in optional payment methods corresponding to the target object;

the display module 507 is configured to display a payment interface, display an optional payment mode corresponding to the target object on the payment interface based on the indication information of the target payment mode, and display the target payment mode in a folding mode.

In a possible implementation manner, the obtaining module 501 is configured to obtain, for any optional payment method, N processing data of payment failures of the optional payment method, where N is an integer greater than or equal to 1;

the device also includes:

the determining module 504 is further configured to determine whether a data clustering result that does not satisfy the payment condition exists in the at least one data clustering result;

the determining module 504 is further configured to, in response to a data clustering result that does not satisfy the payment condition existing in the any optional payment method, take the any optional payment method as a payment method that does not satisfy the payment condition;

the determining module 504 is configured to determine a target data clustering result to which processing data of the target object belongs based on a data clustering result of the selectable payment method corresponding to the target object, and take the payment method corresponding to the target data clustering result as the target payment method in response to that the target data clustering result belongs to a data clustering result that does not satisfy the payment condition.

In a possible implementation manner, the determining module 504 is configured to determine, in the at least one data clustering result, a data clustering result whose number of processed data meets a first threshold;

In a possible implementation manner, the display module 507 is configured to receive an expansion instruction of the target payment method, and expand and display the target payment method on the payment interface according to the expansion instruction.

The device determines a target payment mode which does not meet the payment condition in the selectable payment modes corresponding to the target object based on the processing data of the target object carried in the payment request, and then sends the indication information of the target payment mode to the second receiving module. The display module displays the target payment mode which does not meet the payment condition in a folding mode to reduce the exposure rate of the target payment mode which does not meet the payment condition, so that the payment success rate is improved, and the payment use experience can be improved to a certain extent.

It should be noted that: in the display device of the payment method provided in the above embodiment, when displaying the payment method, only the division of each function module is illustrated, and in practical applications, the function distribution may be completed by different function modules according to needs, that is, the internal structure of the device may be divided into different function modules to complete all or part of the functions described above. In addition, the display device of the payment method and the display method of the payment method provided by the above embodiments belong to the same concept, and specific implementation processes thereof are detailed in the method embodiments and are not described herein again.

Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present application. The electronic device 600 may be: a smart phone, a tablet computer, an MP3(Moving Picture Experts Group Audio Layer III, motion video Experts compression standard Audio Layer 3) player, an MP4(Moving Picture Experts Group Audio Layer IV, motion video Experts compression standard Audio Layer 4) player, a notebook computer or a desktop computer. Electronic device 600 may also be referred to by other names as user equipment, portable electronic device, laptop electronic device, desktop electronic device, and so on.

In general, the electronic device 600 includes: one or more processors 601 and one or more memories 602.

The processor 601 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so on. The processor 601 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 601 may also include a main processor and a coprocessor, where the main processor is a processor for processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 601 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the display screen. In some embodiments, processor 601 may also include an AI (Artificial Intelligence) processor for processing computational operations related to machine learning.

The memory 602 may include one or more computer-readable storage media, which may be non-transitory. The memory 602 may also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 602 is used to store at least one program code for execution by processor 601 to implement the display method of payment methods provided by method embodiments herein.

In some embodiments, the electronic device 600 may further optionally include: a peripheral interface 603 and at least one peripheral. The processor 601, memory 602, and peripheral interface 603 may be connected by buses or signal lines. Various peripheral devices may be connected to the peripheral interface 603 via a bus, signal line, or circuit board. Specifically, the peripheral device includes: at least one of a radio frequency circuit 604, a display 605, a camera 606, an audio circuit 607, a positioning component 608, and a power supply 609.

The peripheral interface 603 may be used to connect at least one peripheral related to I/O (Input/Output) to the processor 601 and the memory 602. In some embodiments, the processor 601, memory 602, and peripheral interface 603 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 601, the memory 602, and the peripheral interface 603 may be implemented on a separate chip or circuit board, which is not limited in this embodiment.

The Radio Frequency circuit 604 is used for receiving and transmitting RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuitry 604 communicates with communication networks and other communication devices via electromagnetic signals. The rf circuit 604 converts an electrical signal into an electromagnetic signal to transmit, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 604 comprises: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuitry 604 may communicate with other electronic devices via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the rf circuit 604 may further include NFC (Near Field Communication) related circuits, which are not limited in this application.

The display 605 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display screen 605 is a touch display screen, the display screen 605 also has the ability to capture touch signals on or over the surface of the display screen 605. The touch signal may be input to the processor 601 as a control signal for processing. At this point, the display 605 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display 605 may be one, providing the front panel of the electronic device 600; in other embodiments, the display 605 may be at least two, respectively disposed on different surfaces of the electronic device 600 or in a foldable design; in still other embodiments, the display 605 may be a flexible display disposed on a curved surface or on a folded surface of the electronic device 600. Even more, the display 605 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The Display 605 may be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), and the like.

The camera assembly 606 is used to capture images or video. Optionally, camera assembly 606 includes a front camera and a rear camera. Generally, a front camera is disposed on a front panel of an electronic apparatus, and a rear camera is disposed on a rear surface of the electronic apparatus. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 606 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

Audio circuitry 607 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 601 for processing or inputting the electric signals to the radio frequency circuit 604 to realize voice communication. For stereo capture or noise reduction purposes, the microphones may be multiple and disposed at different locations of the electronic device 600. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 601 or the radio frequency circuit 604 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, audio circuitry 607 may also include a headphone jack.

The positioning component 608 is used to locate a current geographic location of the electronic device 600 to implement navigation or LBS (location based Service). The positioning component 608 can be a positioning component based on the GPS (global positioning System) in the united states, the beidou System in china, the graves System in russia, or the galileo System in the european union.

The power supply 609 is used to supply power to various components in the electronic device 600. The power supply 609 may be ac, dc, disposable or rechargeable. When the power supply 609 includes a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, the electronic device 600 also includes one or more sensors 610. The one or more sensors 610 include, but are not limited to: acceleration sensor 611, gyro sensor 612, pressure sensor 613, fingerprint sensor 614, optical sensor 615, and proximity sensor 616.

The acceleration sensor 611 may detect the magnitude of acceleration in three coordinate axes of a coordinate system established with the electronic device 600. For example, the acceleration sensor 611 may be used to detect components of the gravitational acceleration in three coordinate axes. The processor 601 may control the display screen 605 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 611. The acceleration sensor 611 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 612 may detect a body direction and a rotation angle of the electronic device 600, and the gyro sensor 612 and the acceleration sensor 611 may cooperate to acquire a 3D motion of the user on the electronic device 600. The processor 601 may implement the following functions according to the data collected by the gyro sensor 612: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

The pressure sensor 613 may be disposed on a side bezel of the electronic device 600 and/or on a lower layer of the display screen 605. When the pressure sensor 613 is disposed on a side frame of the electronic device 600, a user's holding signal of the electronic device 600 can be detected, and the processor 601 performs left-right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 613. When the pressure sensor 613 is disposed at the lower layer of the display screen 605, the processor 601 controls the operability control on the UI interface according to the pressure operation of the user on the display screen 605. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 614 is used for collecting a fingerprint of a user, and the processor 601 identifies the identity of the user according to the fingerprint collected by the fingerprint sensor 614, or the fingerprint sensor 614 identifies the identity of the user according to the collected fingerprint. Upon identifying that the user's identity is a trusted identity, the processor 601 authorizes the user to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying, and changing settings, etc. The fingerprint sensor 614 may be disposed on the front, back, or side of the electronic device 600. When a physical button or vendor Logo is provided on the electronic device 600, the fingerprint sensor 614 may be integrated with the physical button or vendor Logo.

The optical sensor 615 is used to collect the ambient light intensity. In one embodiment, processor 601 may control the display brightness of display screen 605 based on the ambient light intensity collected by optical sensor 615. Specifically, when the ambient light intensity is high, the display brightness of the display screen 605 is increased; when the ambient light intensity is low, the display brightness of the display screen 605 is adjusted down. In another embodiment, the processor 601 may also dynamically adjust the shooting parameters of the camera assembly 606 according to the ambient light intensity collected by the optical sensor 615.

Proximity sensor 616, also referred to as a distance sensor, is typically disposed on the front panel of electronic device 600. The proximity sensor 616 is used to capture the distance between the user and the front of the electronic device 600. In one embodiment, when the proximity sensor 616 detects that the distance between the user and the front of the electronic device 600 gradually decreases, the processor 601 controls the display 605 to switch from the bright screen state to the dark screen state; when the proximity sensor 616 detects that the distance between the user and the front surface of the electronic device 600 is gradually increased, the processor 601 controls the display 605 to switch from the breath-screen state to the bright-screen state.

Those skilled in the art will appreciate that the configuration shown in fig. 6 does not constitute a limitation of the electronic device 600, and may include more or fewer components than those shown, or combine certain components, or employ a different arrangement of components.

Fig. 7 is a schematic structural diagram of a server 700 according to an embodiment of the present application, where the server 700 may generate a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 701 and one or more memories 702, where at least one program instruction is stored in the one or more memories 702, and is loaded and executed by the one or more processors 701 to implement the method for displaying the payment manners provided by the foregoing method embodiments. Of course, the server 700 may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input and output, and the server 700 may also include other components for implementing the functions of the device, which are not described herein again.

In an exemplary embodiment, there is also provided a computer readable storage medium having at least one program instruction stored therein, the at least one program instruction being loaded and executed by a processor to implement the display method of any one of the above payment methods.

Alternatively, the computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a Compact Disc Read-Only Memory (CD-ROM), a magnetic tape, a floppy disk, an optical data storage device, and the like.

It should be understood that reference to "a plurality" herein means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship.

The above-mentioned serial numbers of the embodiments of the present application are merely for description and do not represent the merits of the embodiments.

The above description is only exemplary of the present application and is not intended to limit the present application, and any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

1. A method for displaying payment modes is characterized by comprising the following steps:

at an electronic device, the electronic device obtains a payment request, wherein the payment request carries processing data of a target object;

the electronic device sends the payment request to the server;

the server determines a target payment mode which does not meet payment conditions in selectable payment modes corresponding to the target object based on the processing data of the target object;

2. The method of claim 1, wherein prior to determining a target payment method that does not satisfy a payment condition among the selectable payment methods corresponding to the target object based on the processing data of the target object, the method further comprises:

for any optional payment mode, acquiring N processing data of payment failures of the optional payment mode, wherein N is an integer greater than or equal to 1;

clustering the N payment-failed processing data to obtain at least one data clustering result, and determining whether a data clustering result which does not meet the payment condition exists in the at least one data clustering result;

3. The method of claim 2, wherein the clustering the N payment failure process data to obtain at least one data clustering result comprises:

calculating Euclidean distances between the N payment-failed processing data and the K initial clustering centers;

4. The method of claim 2, wherein the determining whether there is a data clustering result that does not satisfy the payment condition among the at least one data clustering result comprises:

5. The method according to claim 3, wherein the updating the K initial clustering centers according to the K clustering results to obtain K target clustering centers comprises:

updating the K initial clustering centers according to the following formula to obtain K target clustering centers K 'according to the K clustering results'_i，

N is the amount of processing data of payment failure, C_iProcessing data for any one of the ith clustering results, K_iIs the ith initial cluster center.

6. The method according to any one of claims 1 to 5, wherein the processed data of the target object comprises at least one of payment time, location, operator used, model of electronic device used, payment system.

7. The method of claim 1, wherein displaying the selectable payment methods corresponding to the target object in the payment interface and displaying the target payment methods in a collapsed manner comprises:

8. A payment method display device, the device comprising:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a payment request which carries processing data of a target object;

the first receiving module is used for receiving the payment request sent by the first sending module, and the payment request carries processing data of a target object;

the determining module is used for determining a target payment mode which does not meet payment conditions in the selectable payment modes corresponding to the target object based on the processing data of the target object;

9. A payment means display system comprising an electronic device and a server, each comprising a memory, a processor and a computer program stored in the memory and executable on the processor, each processor when executing the stored computer program performing the method of any one of claims 1 to 7.

10. A computer-readable storage medium having stored therein at least one program instruction which, when loaded and executed by a processor, implements the method of displaying payment means of any one of claims 1 to 7.