CN112200553A - Payment processing method and device - Google Patents
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- CN112200553A CN112200553A CN202011025196.1A CN202011025196A CN112200553A CN 112200553 A CN112200553 A CN 112200553A CN 202011025196 A CN202011025196 A CN 202011025196A CN 112200553 A CN112200553 A CN 112200553A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The embodiment of the application provides a payment processing method and device, electronic equipment and a storage medium. The method comprises the following steps: displaying a collection process interface and calling the payment services to be selected, wherein the collection process interface is used for supporting at least two payment services to be selected; acquiring first payment input information, wherein a target payment service corresponding to the first payment input information is any payment service to be selected in a money receiving process interface; and carrying out payment processing according to the first payment input information and the target payment service. And further, the payment process time is greatly reduced, and better payment experience can be brought to both the consumer and the merchant.
Description
Technical Field
The embodiment of the application relates to the technical field of information processing, in particular to a payment processing method and device.
Background
With the rapid development of information technology, more and more users and merchants adopt electronic payment systems to receive cash.
At present, when a current cash register terminal is used for registering cash, only one electronic payment mode can be supported, if payment input information provided by a user during payment is not matched with a payment mode configured in the current cash register terminal, the cash register terminal needs to be replaced to continue cash register operation, or the current cash register interface needs to be withdrawn in the same cash register terminal, and then the current cash register terminal is switched to another cash register interface to continue cash register operation.
Therefore, in the current electronic payment processing mode, as the resetting and adjustment of the payment mode are required to be carried out according to the payment input information provided by the user, the flow time of the electronic payment is inevitably increased, and the efficiency of merchant payment collection is reduced.
Disclosure of Invention
The payment processing method, the payment processing device, the electronic equipment and the storage medium can support multiple payment services to be selected in the same payment process interface, extra payment mode switching is not needed, payment processing can be carried out by matching payment input information of a user, and accordingly the efficiency of merchant payment collection is improved.
In a first aspect, an embodiment of the present application provides a payment processing method, including:
displaying a money receiving process interface and calling a payment service to be selected, wherein the money receiving process interface is used for supporting at least two payment services to be selected;
acquiring first payment input information, wherein the target payment service corresponding to the first payment input information is any one payment service to be selected in the money receiving process interface;
and carrying out payment processing according to the first payment input information and the target payment service.
Wherein, the invoking the payment service to be selected includes:
and responding to a payment receiving request, and calling at least two payment services to be selected supported by the payment receiving process interface.
In one possible design, before the displaying the interface of the payment receiving process, the method further includes:
and obtaining a payment service selection instruction, wherein the payment service selection instruction is used for determining the payment service to be selected supported by the collection process interface from a plurality of preset payment services.
In one possible design, the invoking the payment service to be selected includes:
in response to a payment receipt request, invoking only the target payment service.
In one possible design, after the displaying the collection process interface, the method further includes:
obtaining a payment service switching instruction acting in the interface for displaying the money receiving process;
and updating the payment process interface according to the payment service switching instruction.
In one possible design, the processing of the payment according to the first payment input information and the target payment service includes:
generating a first payment request according to the first payment input information, wherein the first payment request is used for triggering the target payment service and forbidding other payment services;
sending the first payment request;
receiving a first payment result in response to the first payment request.
In one possible design, after the receiving a first payment result in response to the first payment request, further comprising:
and if the first payment result is payment failure, displaying a payment prompt interface, wherein the payment prompt interface is used for indicating a user to input second payment input information, and the payment service corresponding to the second payment input information is the payment service to be selected with the lowest network requirement in the payment process interface.
In one possible design, the payment service to be selected includes: any one of a face payment service, a code scanning payment service, an iris payment service, a voiceprint payment service, a card swipe payment service, a near field payment service, and a license plate payment service.
In a second aspect, an embodiment of the present application further provides a payment processing method, including:
acquiring first payment input information, wherein a target payment service corresponding to the first payment input information is one of a plurality of preset payment services configured by a collection terminal;
generating a first payment request according to the first payment input information, and sending the first payment request;
receiving a first payment result in response to the first payment request.
In one possible design, after the obtaining the first payment input information, the method further includes:
disabling other payment services of the plurality of preset payment services except the target payment service.
In one possible design, before the obtaining the first payment input information, the method further includes:
and responding to a money receiving request, and displaying a money receiving process interface, wherein the money receiving process interface is used for supporting at least two payment services to be selected, and the target payment service corresponding to the first payment input information is any one of the payment services to be selected in the money receiving process interface.
In a third aspect, an embodiment of the present application further provides a payment processing apparatus, including:
the interface display module is used for displaying a money receiving process interface;
the payment system comprises a service calling module, a payment process interface and a payment processing module, wherein the service calling module is used for calling payment services to be selected, and the payment process interface is used for supporting at least two payment services to be selected;
the payment acquisition module is used for acquiring first payment input information, and the target payment service corresponding to the first payment input information is any one payment service to be selected in the money receiving process interface;
and the payment processing module is used for carrying out payment processing according to the first payment input information and the target payment service.
In one possible design, the service invocation module is specifically configured to:
and responding to a payment receiving request, and calling at least two payment services to be selected supported by the payment receiving process interface.
In one possible design, the payment processing apparatus further includes:
the instruction acquisition module is used for acquiring a payment service selection instruction, and the payment service selection instruction is used for determining the payment service to be selected supported by the money receiving process interface from multiple preset payment services.
In one possible design, the service invocation module is specifically configured to:
in response to a payment receipt request, invoking only the target payment service.
In one possible design, the payment processing apparatus further includes:
the instruction acquisition module is used for acquiring a payment service switching instruction acting in the interface for displaying the money receiving process;
and the interface switching module is used for updating the interface of the money receiving process according to the payment service switching instruction.
In one possible design, the payment processing module is specifically configured to:
generating a first payment request according to the first payment input information, wherein the first payment request is used for triggering the target payment service and forbidding other payment services;
sending the first payment request;
receiving a first payment result in response to the first payment request.
In a possible design, the interface display module is further configured to display a payment prompt interface when the first payment result is a payment failure, where the payment prompt interface is used to instruct a user to input second payment input information, and a payment service corresponding to the second payment input information is the payment service to be selected with the lowest network requirement in the payment receiving process interface.
In a fourth aspect, an embodiment of the present application further provides a payment processing apparatus, including:
the payment acquisition module is used for acquiring first payment input information, and the target payment service corresponding to the first payment input information is one of a plurality of preset payment services configured by the collection terminal;
the request generation module is used for generating a first payment request according to the first payment input information and sending the first payment request;
a result receiving module to receive a first payment result in response to the first payment request.
In one possible design, the payment processing apparatus further includes:
and the payment management module is used for forbidding other payment services except the target payment service in the plurality of preset payment services.
In one possible design, the payment processing apparatus further includes:
the interface display module is used for displaying a money receiving process interface when responding to a money receiving request, the money receiving process interface is used for supporting at least two payment services to be selected, and the target payment service corresponding to the first payment input information is any one of the payment services to be selected in the money receiving process interface.
In a fifth aspect, an embodiment of the present application further provides an electronic device, including: the device comprises a processor, a memory and a receiver, wherein the memory and the receiver are respectively connected with the processor;
the receiver is used for acquiring payment input information;
the memory for storing a computer program for the processor;
wherein the processor is configured to implement any of the payment processing methods provided in the first or second aspects by executing the computer program.
In one possible design, the receiver includes a camera;
the camera is used for acquiring a face image and/or acquiring two-dimensional code information.
In one possible design, the receiver includes a camera and a scanner;
the camera is used for acquiring a face image;
and the code scanner is used for acquiring two-dimensional code information.
In one possible design, the present application further provides a machine-readable storage medium having stored thereon executable instructions that, when executed by a machine, cause implementation of any one of the payment processing methods provided in the first aspect or the second aspect.
It can be seen that, in the above technical solution, in order to support multiple payment services to be selected in the same payment process interface, and to perform payment processing by matching payment input information of a user without switching additional payment modes, the technical solution provided in this application, after displaying a payment process interface capable of supporting at least two payment services to be selected, integrates multiple payment services into the same payment process interface by obtaining first payment input information corresponding to any one of the supported payment services to be selected, and performing payment processing according to the first payment input information and a corresponding target payment service, so that in the payment process, there is no need to quit the current payment mode first and reselect to enter another payment mode because the current payment mode is not matched with the payment mode required by the user, thereby greatly reducing the payment process time, and a better payment experience can be brought to both the consumer and the merchant.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed to be used in the description of the embodiments or the prior art will be briefly described below. However, it should be understood by those skilled in the art that the drawings in the following description are illustrative of some of the present application only and are not limiting on the scope thereof.
FIG. 1 is a schematic flow diagram of a payment processing method shown herein in accordance with an exemplary embodiment;
FIG. 2 is a schematic flow diagram of a payment processing method shown herein in accordance with another exemplary embodiment;
FIG. 3 is a schematic diagram of a checkout process interface in the embodiment of FIG. 2;
FIG. 4 is a schematic flow diagram of a payment processing method shown in the present application in accordance with yet another exemplary embodiment;
FIG. 5 is a schematic diagram of a checkout process interface in the embodiment of FIG. 4;
FIG. 6 is a schematic flow diagram of a payment processing method shown herein in accordance with yet another exemplary embodiment;
FIG. 7 is a schematic diagram illustrating the structure of a payment processing apparatus according to one exemplary embodiment of the present application;
FIG. 8 is a schematic diagram of a payment processing arrangement shown in the present application according to another exemplary embodiment;
FIG. 9 is a schematic diagram of a payment processing arrangement shown in the present application according to yet another exemplary embodiment;
FIG. 10 is a schematic diagram of a payment processing arrangement shown in the present application according to yet another exemplary embodiment;
FIG. 11 is a schematic diagram of a structure of an electronic device shown in the present application according to an exemplary embodiment;
fig. 12 is a schematic structural diagram of an electronic device shown in the present application according to another exemplary embodiment.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. It should be understood by those skilled in the art that the embodiments described are a part of the embodiments of the present invention, and not all embodiments. All other embodiments can be obtained by any suitable modification or variation by a person skilled in the art based on the embodiments in the present application.
At present, when a current cash register terminal is used for registering cash, only one electronic payment mode can be supported, if payment input information provided by a user during payment is not matched with a payment mode configured in the current cash register terminal, the cash register terminal needs to be replaced to continue cash register operation, or the current cash register interface needs to be withdrawn in the same cash register terminal, and then the current cash register terminal is switched to another cash register interface to continue cash register operation.
For example, in one scenario, when the current cash register terminal is used for cash register, if the user chooses to pay by swiping a face, the payment method cannot be modified immediately, such as code scanning payment. Generally, the user needs to quit face-brushing payment and then select code-scanning payment, which results in that the user needs to consume more time in the payment process and can complete the payment mode switching only by running longer process control, and the time-consuming operation of switching the payment mode affects the cash-collecting efficiency in the scene of queuing payment.
In another scenario, when the autonomous charging terminal of the current parking lot receives cash, if the autonomous charging terminal defaults to adopt license plate payment, the user cannot immediately modify the payment mode, such as code scanning payment. Generally, a user needs to scan another charging terminal with a two-dimensional code for payment to complete subsequent payment, which results in that the user needs to consume more time in the payment process, and the parking lot is easily blocked.
In view of this, the embodiment of the present application provides a payment processing method, which integrates functions of multiple payment services supported in the same payment process interface, so that a user can freely select a payment method, and thus when a merchant receives money, the merchant can complete the payment service without paying the type of the payment method used by a consumer, the payment process time is greatly reduced, and better payment experience can be brought to both the consumer and the merchant.
The above technical solution will be described in detail with reference to specific embodiments.
Fig. 1 is a flow diagram illustrating a payment processing method according to an exemplary embodiment of the present application. As shown in fig. 1, the payment processing method provided in this embodiment includes:
In this step, when the merchant receives the payment, a payment process interface may be displayed through the payment terminal, where the payment process interface may instruct the user to input corresponding payment input information, such as face information, payment code information, iris information, and the like.
The interface of the money receiving process in this embodiment may be configured to support at least two payment services to be selected, for example, may simultaneously support a face payment service and a code scanning payment service, and may also simultaneously support at least any two of an iris payment service, a voiceprint payment service, a card swiping payment service, a near field payment service, and a license plate payment service. For convenience of description, the following embodiments may specifically describe the combination mode simultaneously supporting the face payment service and the code scanning payment service, and specific implementation logics of the other payment service combination modes are similar to those of the face payment service and the code scanning payment service, and are not described again.
It should be noted that, in this embodiment, the multiple payment services to be selected supported by the interface in the collection process may be only one of the payment services to be selected, or may be simultaneously called and monitored. If a plurality of payment services to be selected are monitored simultaneously, the user only needs to directly output related payment information when carrying out payment operation. If only one of the payment services to be selected is called and monitored, the payment service to be selected can be called and monitored by default, and for other payment services to be selected, the corresponding payment service to be selected can be called after a trigger instruction is input on the same money receiving process interface.
Specifically, after the interface of the payment process is displayed at the payment receiving terminal, the user may input payment input information according to the prompt, for example, the user presents a face or presents a payment code. After the user presents the face or presents the payment code, the collection terminal can acquire the first payment input information. When the user presents the face, the first payment input information is face image information, and when the user presents the payment code, the first payment input information is two-dimensional code image information.
In addition, the target payment service corresponding to the first payment input information can be determined according to the first payment input information, and the target payment service is any payment service to be selected in the interface of the collection process. For example, when the first payment input information is face image information, the target payment service corresponding to the first payment input information is a face payment service, and the face payment service is one of the payment services to be selected supported by the current money receiving process interface. In addition, when the first payment input information is the two-dimensional code image information, the target payment service corresponding to the first payment input information is a code scanning payment service, and the code scanning payment service is also one of the payment services to be selected supported by the current collection process interface.
It should be noted that, since the interface in the payment receiving process can support at least two payment services to be selected, when making a payment, the user only needs to input payment input information corresponding to any one of the supported payment services to be selected, and then the subsequent payment can be completed.
And 103, performing payment processing according to the first payment input information and the target payment service.
After the first payment input information is acquired, a first payment request can be generated according to the first payment input information, the first payment request is sent to the payment server, and after the payment operation is completed in the payment server, a first payment result is sent to the collection terminal. Optionally, the first payment result may be displayed in the checkout terminal, so as to inform the user and the merchant whether the payment is successful.
In the embodiment, a payment receiving process interface capable of supporting at least two payment services to be selected is displayed, then, a plurality of payment services are integrated into the same payment receiving process interface by obtaining first payment input information corresponding to any one payment service of the supported payment services to be selected and performing payment processing according to the first payment input information and a corresponding target payment service, so that in the payment receiving process, the current payment mode does not need to be quitted firstly due to the fact that the current payment mode is not matched with the payment mode required by a user, and then another payment mode is selected again to enter, so that the payment process time is greatly reduced, and better payment experience can be brought to both the consumer and the merchant.
Fig. 2 is a schematic flow diagram of a payment processing method according to another exemplary embodiment of the present application. As shown in fig. 2, the payment processing method provided in this embodiment includes:
step 201, displaying a collection process interface, and calling at least two payment services to be selected supported by the collection process interface.
In this embodiment, the monitoring of the multiple payment services to be selected may be simultaneously invoked in the interface of the payment receiving process, for example, the monitoring of the code scanning payment service and the face payment service may be simultaneously invoked. Fig. 3 is a schematic diagram of a collection process interface in the embodiment shown in fig. 2. As shown in fig. 3, in the interface of the cashing process, the user can directly perform face-brushing payment or code-scanning payment, and the payment result is based on the payment input information accepted first, and the payment input information accepted later is invalid.
Specifically, after the interface of the payment process is displayed at the payment receiving terminal, the user may input payment input information according to the prompt, for example, the user presents a face or presents a payment code. After the user presents the face or presents the payment code, the collection terminal can acquire the first payment input information. When the user presents the face, the first payment input information is face image information, and when the user presents the payment code, the first payment input information is two-dimensional code image information.
After receiving the first payment input information, the target payment service of the first payment input information needs to be kept in a trigger state, and then subsequent payment processing is performed. For other payment services than the target payment service, it is necessary to disable to avoid repeated payments. For example, when the input first payment input information is face image information, the corresponding target payment service is a face payment service, at this time, the trigger state of the face payment service is maintained, and the code scanning payment service is disabled. Similarly, when the input first payment input information is the two-dimensional code image information, the corresponding target payment service is the code scanning payment service, at this time, the trigger state of the code scanning payment service is kept, and the face payment service is forbidden.
After the receiving terminal acquires the first payment input information, a first payment request can be generated according to the first payment input information, and the first payment request is sent to the payment server for payment processing.
After the payment operation is completed in the payment server, the first payment result is sent to the payment receiving terminal. Optionally, the first payment result may be displayed in the checkout terminal, so as to inform the user and the merchant whether the payment is successful.
In this embodiment, after the payment receiving process interface capable of supporting at least two payment services to be selected is displayed, the at least two payment services to be selected supported by the payment receiving process interface are simultaneously called, so that subsequent payment processing can be directly performed according to any payment input information in the obtained payment services to be selected, the payment process time is further reduced, and better payment experience can be brought to both a consumer and a merchant.
On the basis of the above embodiment, before the interface of the payment receiving process is displayed, the payment services to be selected supported by the interface of the payment receiving process may be configured, specifically, the payment service selection instruction may be obtained, and then the payment services to be selected supported by the interface of the payment receiving process are determined from the plurality of preset payment services according to the payment service selection instruction. For example, the preset payment service of the payee terminal may include any one of a face payment service, a code scanning payment service, an iris payment service, a voiceprint payment service, a card swiping payment service, a near field payment service, and a license plate payment service. When the payment service selection instruction correspondingly selects the face payment service and the code scanning payment service, the face payment service and the code scanning payment service are configured in the interface of the money receiving process, which can refer to the interface effect shown in fig. 3. The payment process interface is configured through the payment service selection instruction, so that the payment terminal can be combined in more payment modes to meet payment requirements in different payment scenes.
For example, in a parking lot charging scenario, the receiving terminal may be configured to support a near-field payment service and a license plate payment service, in a market supermarket scenario, the receiving terminal may be configured to support a face payment service and a code scanning payment service, and in a bank large-amount payment scenario, the receiving terminal may be configured to support an iris payment service and a card swiping payment service.
In addition, in another possible implementation manner, due to the difference of the network signal states required by the respective payment services, the payment service to be selected may not be able to complete the payment service normally in the current network state, for example, the network state required by the face payment service is more severe than the network state required by the code scanning payment service. Therefore, in an environment with a poor network state, the face payment service may have a payment failure, and the code scanning payment service may have a payment success. If the first payment result is payment failure, a payment prompt interface can be further displayed, the payment prompt interface is used for indicating the user to input second payment input information, and the payment service corresponding to the second payment input information is a to-be-selected payment service with the lowest network requirement in the payment process interface, so that the success rate and reliability of the payment service are further improved, and repeated attempts of the user on a payment mode which cannot be met by the network are also avoided.
Fig. 4 is a flow diagram illustrating a payment processing method according to yet another exemplary embodiment of the present application. As shown in fig. 4, the payment processing method provided in this embodiment includes:
In this embodiment, only one service to be selected may be called and monitored in the interface of the payment receiving process, for example, only the service to be selected and monitored may be called and monitored. Fig. 5 is a schematic diagram of a collection process interface in the embodiment shown in fig. 4. As shown in fig. 5, in the collection process interface, the user can directly make code scanning payment, and the collection process interface indicates that the face payment service can be supported at the same time.
And step 303, updating a payment process interface according to the payment service switching instruction.
When the user needs the code scanning payment service, the payment two-dimensional code can be directly shown in the interface of the collection process to trigger the code scanning payment service. In the interface of the collection process, if the user needs the face payment service, the face payment service can be invoked directly by inputting a payment service switching instruction (for example, triggering a "start" button shown in fig. 5) in the interface of the collection process without exiting the interface of the code scanning payment service and re-entering the interface of the face payment service in the collection terminal.
In addition, in the case of a poor network service, a plurality of failures may occur in the payment collection process, and thus, the user may frequently switch and try among a plurality of payment methods. Therefore, after the code scanning payment service is switched to the face payment service, the monitoring state of the code scanning payment service can be continuously maintained, so that the code scanning payment service and the face payment service are monitored simultaneously (for example, the interface is switched from the interface in the collection process shown in fig. 5 to the interface in the collection process shown in fig. 3), and further, according to the obtained face information or the payment code information, the subsequent payment processing can be directly completed.
And step 304, acquiring first payment input information.
The specific implementation manner of steps 304-305 in this embodiment is similar to that of steps 102-103 in the embodiment shown in fig. 1, and is not described here again.
In this embodiment, after the interface of the collection process capable of supporting at least two payment services to be selected is displayed, only one payment service to be selected supported by the interface of the collection process is called, and the other payment modes to be selected are triggered and called by inputting the input payment service switching instruction in the interface. On one hand, a plurality of payment services can be integrated into the same payment process interface, so that the time delay of a payment process caused by the fact that the current payment mode needs to be quitted first and then another payment mode is reselected in the payment process because the current payment mode is not matched with the payment mode needed by a user is avoided. On the other hand, the method can also avoid the occupation of excessive resources caused by the invocation of excessive payment services to be selected. And excessive resource consumption, especially for the computing resource in the payment terminal, can result in increased device temperature and energy consumption.
Fig. 6 is a flow diagram illustrating a payment processing method according to yet another exemplary embodiment of the present application. As shown in fig. 6, the payment processing method provided in this embodiment includes:
In this step, the payment receiving terminal is configured with a plurality of preset payment services, for example, any combination of a face payment service, a code scanning payment service, an iris payment service, a voiceprint payment service, a card swiping payment service, a near field payment service, and a license plate payment service. And the collection terminal calls various payment services to be selected when responding to the collection request.
When the user pays, the user can input any payment input information, and as long as the target payment service corresponding to the payment input information is one of a plurality of preset payment services configured by the payment terminal, the subsequent payment process can be completed.
Optionally, after receiving the first payment input information, the target payment service of the first payment input information needs to be kept in a trigger state, and then subsequent payment processing is performed. For other payment services than the target payment service, it is necessary to disable to avoid repeated payments. For example, when the input first payment input information is face image information, the corresponding target payment service is a face payment service, at this time, the trigger state of the face payment service is maintained, and the code scanning payment service is disabled. Similarly, when the input first payment input information is the two-dimensional code image information, the corresponding target payment service is the code scanning payment service, at this time, the trigger state of the code scanning payment service is kept, and the face payment service is forbidden.
After the receiving terminal acquires the first payment input information, a first payment request can be generated according to the first payment input information, and the first payment request is sent to the payment server for payment processing.
After the payment operation is completed in the payment server, the first payment result is sent to the payment receiving terminal. Optionally, the first payment result may be displayed in the checkout terminal, so as to inform the user and the merchant whether the payment is successful.
In the embodiment, in the payment receiving service process, as long as the target payment service corresponding to the payment input information is one of the multiple preset payment services configured by the payment terminal, the subsequent payment process can be completed, so that when a merchant receives the payment, the payment receiving service can be completed without paying attention to the type of the payment mode used by the consumer, and for the consumer, the payment mode can be changed at will, the payment flow time is reduced, and better experience is brought to the consumer.
Fig. 7 is a schematic diagram illustrating a configuration of a payment processing apparatus according to an exemplary embodiment of the present application. As shown in fig. 7, the payment processing apparatus 500 provided in the present embodiment includes:
an interface display module 501, configured to display a money receiving process interface;
a service calling module 502, configured to call a payment service to be selected, where the payment receiving process interface is configured to support at least two payment services to be selected;
a payment obtaining module 503, configured to obtain first payment input information, where a target payment service corresponding to the first payment input information is any one of the payment services to be selected in the payment receiving process interface;
a payment processing module 504, configured to perform payment processing according to the first payment input information and the target payment service.
In one possible design, the service invocation module 502 is specifically configured to:
and responding to a payment receiving request, and calling at least two payment services to be selected supported by the payment receiving process interface.
On the basis of the embodiment shown in fig. 7, fig. 8 is a schematic structural diagram of a payment processing apparatus according to another exemplary embodiment shown in the present application. The payment processing apparatus 500 provided in this embodiment further includes:
the instruction obtaining module 505 is configured to obtain a payment service selection instruction, where the payment service selection instruction is used to determine, from multiple preset payment services, the to-be-selected payment service supported by the collection process interface.
In one possible design, the service invocation module 502 is specifically configured to:
in response to a payment receipt request, invoking only the target payment service.
In one possible design, the payment processing apparatus 500 further includes:
an instruction obtaining module 505, configured to obtain a payment service switching instruction acting on the interface displaying the money receiving process;
an interface switching module 506, configured to update the interface of the payment receiving process according to the payment service switching instruction.
In one possible design, the payment processing module 504 is specifically configured to:
generating a first payment request according to the first payment input information, wherein the first payment request is used for triggering the target payment service and forbidding other payment services;
sending the first payment request;
receiving a first payment result in response to the first payment request.
In a possible design, the interface display module 501 is further configured to display a payment prompting interface when the first payment result is that the payment is failed, where the payment prompting interface is used to instruct the user to input second payment input information, and a payment service corresponding to the second payment input information is the payment service to be selected with the lowest network requirement in the payment receiving process interface.
Fig. 9 is a schematic structural diagram of a payment processing apparatus according to yet another exemplary embodiment of the present application. As shown in fig. 9, the payment processing apparatus 600 provided in the present embodiment includes:
the payment acquisition module 601 is configured to acquire first payment input information, where a target payment service corresponding to the first payment input information is one of multiple preset payment services configured by a payment receiving terminal;
a request generating module 602, configured to generate a first payment request according to the first payment input information, and send the first payment request;
a result receiving module 603, configured to receive a first payment result in response to the first payment request.
On the basis of the embodiment shown in fig. 7, fig. 10 is a schematic structural diagram of a payment processing apparatus according to still another exemplary embodiment shown in the present application. As shown in fig. 10, the payment processing apparatus 600 provided in this embodiment further includes:
a payment management module 604, configured to disable payment services other than the target payment service in the plurality of preset payment services.
In one possible design, the payment processing apparatus 600 further includes:
the interface display module 605 is configured to display a collection process interface when responding to a collection request, where the collection process interface is configured to support at least two payment services to be selected, and a target payment service corresponding to the first payment input information is any one of the payment services to be selected in the collection process interface.
In the embodiment of the present application, the division of the module is only one logic function division, and there may be another division manner in actual implementation. For example, multiple modules or components may be combined or may be integrated into another system. In addition, the coupling between the respective modules may be a direct coupling or an indirect coupling. In addition, the functional modules in the embodiments of the present application may be integrated into one processing module, or may exist separately and physically.
The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a machine-readable storage medium. Therefore, the technical solution of the present application may be embodied in the form of a software product, which may be stored in a machine-readable storage medium and may include several instructions to cause an electronic device to perform all or part of the processes of the technical solution described in the embodiments of the present application. The storage medium may include various media that can store program codes, such as ROM, RAM, a removable disk, a hard disk, a magnetic disk, or an optical disk.
Fig. 11 is a schematic structural diagram of an electronic device shown in the present application according to an exemplary embodiment. As shown in fig. 11, the electronic device 500 provided in the present embodiment includes:
a processor 501, a memory 502 and a receiver 503, wherein the memory 502 and the receiver 503 are respectively connected with the processor;
the receiver 503 is configured to obtain payment input information;
the memory 502 for storing a computer program of the processor;
wherein the processor 501 is configured to implement the steps of any of the above-described method embodiments by executing the computer program.
Alternatively, the memory 502 may be separate or integrated with the processor 501.
When the memory 502 is a device independent from the processor 501, the electronic device 500 may further include:
a bus 504 for connecting the processor 501 and the memory 502.
On the basis of the embodiment shown in fig. 11, fig. 12 is a schematic structural diagram of an electronic device shown in the present application according to another exemplary embodiment. As shown in fig. 12, the receiver 503 includes a camera 5031;
the camera 5031 is configured to obtain a face image and/or obtain two-dimensional code information.
In particular, when the camera 5031 is used for acquiring both a face image and a two-dimensional code image, in view of common habits of users, when a user pays, there is usually a large difference between the distance from the face to the camera 5031 and the distance from the camera 5031 when the two-dimensional code image is presented. In general, when the user performs face payment, the distance from the face to the camera 5031 is greater than the distance from the two-dimensional code image to the camera 5031 when performing code scanning payment. Therefore, in order to satisfy the requirement that when the face payment service and the code scanning payment service are simultaneously called in the same display money receiving process interface, the focusing mode of the camera 5031 can be improved on the premise of conforming to the use habit of the user. Specifically, before the payment input information is acquired, the camera 5031 switches focusing in the first focal length range and the second focal length range, and the switching frequency may be adaptively adjusted according to the sensitivity of the payment service. It is worth to say, the first focal distance range is used to adapt the habitual distance between the face of the user and the camera 5031 during face payment, and the second focal distance range is used to adapt the habitual distance between the two-dimensional code image presented by the user and the camera 5031 during code scanning payment
In yet another possible design, the receiver 503 includes a camera 5031 and a scanner 5032; the camera 5031 is configured to obtain a face image; the code scanner 5032 is configured to obtain two-dimensional code information.
In addition, the embodiment of the application also provides a machine-readable storage medium. The machine-readable storage medium may store executable instructions that, when executed by a machine, cause the machine to perform the specific processes of the above method embodiments.
The machine-readable storage medium described above in this application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present application, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In this application, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.
Furthermore, those of skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the technical solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
The above description is only for the specific embodiments of the present application, and the scope of the present application is not limited thereto. Those skilled in the art can make changes or substitutions within the technical scope disclosed in the present application, and such changes or substitutions should be within the protective scope of the present application.
Claims (13)
1. A payment processing method, comprising:
displaying a money receiving process interface and calling a payment service to be selected, wherein the money receiving process interface is used for supporting at least two payment services to be selected;
acquiring first payment input information, wherein the target payment service corresponding to the first payment input information is any one payment service to be selected in the money receiving process interface;
and carrying out payment processing according to the first payment input information and the target payment service.
2. The payment processing method of claim 1, wherein invoking the payment service to be selected comprises:
and responding to a payment receiving request, and calling at least two payment services to be selected supported by the payment receiving process interface.
3. The payment processing method of claim 2, further comprising, prior to the displaying a checkout process interface:
and obtaining a payment service selection instruction, wherein the payment service selection instruction is used for determining the payment service to be selected supported by the collection process interface from a plurality of preset payment services.
4. The payment processing method of claim 1, wherein invoking the payment service to be selected comprises:
in response to a payment receipt request, invoking only the target payment service.
5. The payment processing method of claim 4, further comprising, after the displaying a checkout process interface:
obtaining a payment service switching instruction acting in the interface for displaying the money receiving process;
and updating the payment process interface according to the payment service switching instruction.
6. The payment processing method according to any one of claims 1 to 5, wherein the performing payment processing according to the first payment input information and the target payment service comprises:
generating a first payment request according to the first payment input information, wherein the first payment request is used for triggering the target payment service and forbidding other payment services;
sending the first payment request;
receiving a first payment result in response to the first payment request.
7. The payment processing method of claim 6, further comprising, after said receiving a first payment result in response to said first payment request:
and if the first payment result is payment failure, displaying a payment prompt interface, wherein the payment prompt interface is used for indicating a user to input second payment input information, and the payment service corresponding to the second payment input information is the payment service to be selected with the lowest network requirement in the payment process interface.
8. The payment processing method of any one of claims 1-5, wherein the payment services to be selected comprise: any one of a face payment service, a code scanning payment service, an iris payment service, a voiceprint payment service, a card swipe payment service, a near field payment service, and a license plate payment service.
9. A payment processing method, comprising:
acquiring first payment input information, wherein a target payment service corresponding to the first payment input information is one of a plurality of preset payment services configured by a collection terminal;
generating a first payment request according to the first payment input information, and sending the first payment request;
receiving a first payment result in response to the first payment request.
10. The payment processing method of claim 9, further comprising, after the obtaining the first payment input information:
disabling other payment services of the plurality of preset payment services except the target payment service.
11. The payment processing method of claim 10, further comprising, prior to the obtaining the first payment input information:
and responding to a money receiving request, and displaying a money receiving process interface, wherein the money receiving process interface is used for supporting at least two payment services to be selected, and the target payment service corresponding to the first payment input information is any one of the payment services to be selected in the money receiving process interface.
12. A payment processing apparatus, comprising:
the interface display module is used for displaying a money receiving process interface;
the payment system comprises a service calling module, a payment process interface and a payment processing module, wherein the service calling module is used for calling payment services to be selected, and the payment process interface is used for supporting at least two payment services to be selected;
the payment acquisition module is used for acquiring first payment input information, and the target payment service corresponding to the first payment input information is any one payment service to be selected in the money receiving process interface;
and the payment processing module is used for carrying out payment processing according to the first payment input information and the target payment service.
13. A payment processing apparatus, comprising:
the payment acquisition module is used for acquiring first payment input information, and the target payment service corresponding to the first payment input information is one of a plurality of preset payment services configured by the collection terminal;
the request generation module is used for generating a first payment request according to the first payment input information and sending the first payment request;
a result receiving module to receive a first payment result in response to the first payment request.
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| CN202011025196.1A CN112200553A (en) | 2020-09-25 | 2020-09-25 | Payment processing method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114022143A (en) * | 2022-01-06 | 2022-02-08 | 深圳爱莫科技有限公司 | Code scanning payment behavior model training method, detection method and processing equipment |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114022143A (en) * | 2022-01-06 | 2022-02-08 | 深圳爱莫科技有限公司 | Code scanning payment behavior model training method, detection method and processing equipment |
| CN114022143B (en) * | 2022-01-06 | 2022-04-05 | 深圳爱莫科技有限公司 | Code scanning payment behavior detection method and processing equipment |
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