CN114049112A - Method, storage medium and system for quickly starting payment mode of mobile terminal - Google Patents

Method, storage medium and system for quickly starting payment mode of mobile terminal Download PDF

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Publication number
CN114049112A
CN114049112A CN202111359097.1A CN202111359097A CN114049112A CN 114049112 A CN114049112 A CN 114049112A CN 202111359097 A CN202111359097 A CN 202111359097A CN 114049112 A CN114049112 A CN 114049112A
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payment
mobile terminal
payment mode
situation
mode
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Inventor
徐川
梁朋
姚聪
盖春歌
于馨
李阳彤
张宇峰
李忠
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China Telecom Group System Integration Co Ltd
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China Telecom Group System Integration Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3276Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0481Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0487Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser

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  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • General Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Human Computer Interaction (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a method, a storage medium and a system for quickly starting a payment mode of a mobile terminal, wherein the quick starting system comprises a server and the mobile terminal which are in communication connection with each other, the server comprises a computer readable storage medium and a processor which are in connection with each other, and when a computer program is executed by the processor, the following implementation steps are implemented in the method for quickly starting the payment mode of the mobile terminal: step A, identifying the current situation of the mobile terminal; and S, if the situation identified in the step A meets the preset condition, the mobile terminal automatically jumps to a preset payment mode. The method for quickly starting the payment mode of the mobile terminal links the current situation of the mobile terminal with the payment mode, directly jumps to the payment interface of the payment mode after identifying the current situation of the mobile terminal, avoids the process that a user manually starts the payment mode and enters the payment interface, reduces operation steps, and provides a quick and efficient payment mode for the user.

Description

Method, storage medium and system for quickly starting payment mode of mobile terminal
Technical Field
The invention relates to the technical field of mobile terminal payment, in particular to a method, a computer readable storage medium and a system for quickly starting a payment mode of a mobile terminal.
Background
Nowadays, people's daily work and life are closely related to mobile terminals, and mobile terminals and applications thereof are becoming faster and faster. With regard to taking the payment function commonly used, a plurality of mobile payment technologies such as NFC, code scanning, fingerprint and face brushing have appeared, and the intention is to provide faster payment experience on the premise of ensuring safety. The code scanning payment technology is mainly used for completing payment basically through screen unlocking, entering an application interface providing a payment function, selecting the payment function, selecting a payment mode, inputting amount, selecting a payment channel, clicking a button to pay and the like. When payment operation needs to be initiated frequently or time is urgent, people feel cumbersome and low in efficiency.
Disclosure of Invention
The technical problem to be solved by the invention is how to provide a faster and more efficient user payment mode.
In order to solve the technical problem, the invention provides a method for quickly starting a payment mode of a mobile terminal, which comprises the following implementation steps:
a, identifying the current situation of the mobile terminal;
and S, if the situation identified in the step A meets the preset condition, the mobile terminal automatically jumps to a preset payment mode.
Preferably, the payment methods include at least two payment methods, and the step S specifically includes the following steps B and C:
b, acquiring a pre-stored payment mode corresponding to the identified situation;
and C, enabling the mobile terminal to automatically jump to the payment mode.
Preferably, the situation of the mobile terminal when the payment behavior occurs in a period of time and the payment mode adopted by the payment behavior are recorded; if the payment behavior adopting the payment mode repeatedly occurs to a preset degree in the same situation, recording the payment mode as the payment mode corresponding to the situation.
Preferably, the recorded period of time includes a period of time before and/or during the first performance of the performance step.
Preferably, in the step B, if the identified context corresponds to a plurality of payment methods, the user selects one of the payment methods.
Preferably, the implementing step is performed after a trigger action occurs, where the trigger action includes unlocking a lock screen interface or starting a quick payment application.
Preferably, in the step a, the context in which the mobile terminal is currently located includes an environment element of the mobile terminal, and the environment element includes time information and/or address information.
Preferably, the payment mode comprises one or more of a WeChat scanning code, a WeChat payment code, a WeChat applet, a Payment treasure scanning code, a Payment treasure payment code, a Payment treasure applet and a bank payment program.
Preferably, after the mobile terminal jumps to the payment mode, the preset fixed parameters are automatically filled in the payment interface.
The present invention also provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps in the method for quickly starting a payment means of a mobile terminal as described above.
The invention also provides a quick starting system, which comprises a server and a mobile terminal which are mutually connected in a communication way, wherein the server comprises a computer readable storage medium and a processor which are mutually connected, and the computer readable storage medium is as described above.
Has the advantages that: in a life situation, influenced by a collection mode of a payee and an individual payment habit, the payment mode of people is relatively fixed, for example, payment is carried out by using a payment code in a convenience store, code scanning payment is carried out by using a roadside store, and the like.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is an architecture diagram of a system for quickly initiating a payment mode of a mobile terminal.
Fig. 2 is a flowchart of a method of quickly initiating a payment mode of a mobile terminal.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In the present invention, the term "comprises" and any variation thereof is intended to cover a non-exclusive inclusion. For example, a process, method, apparatus, product, or apparatus that comprises a list of steps or elements is not limited to those listed but may alternatively include other steps or elements not listed or inherent to such process, method, product, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the invention. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
The embodiment provides a system for quickly starting a payment mode of a mobile terminal, and as shown in fig. 1, the system comprises the mobile terminal and a server, a user installs a quick payment application on the mobile terminal, the quick payment application is in communication with a screen locking device, a timing device, a positioning device and the like on the mobile terminal and enables the mobile terminal to directly jump to a payment interface of any one of n payment modes supported by the mobile terminal from a current operation interface, and n is a positive integer. When n is equal to 1, the quick payment application presets a uniquely-assigned payment mode (such as a WeChat code), and when the quick payment application is in a starting state, the quick payment application executes the following steps A and S to realize payment skip: in the step A, the quick payment application identifies the current situation of the mobile terminal, such as real-time and a positioning address; in step S, if the situation identified in step a meets the preset condition (for example, the real-time and the location address are both within the preset range), another mobile terminal automatically jumps to the preset payment mode WeChat code scanning.
The quick payment application has the function modules of payment mode management, situation definition and identification, situation and payment mode binding, quick mode starting and the like, and the server can communicate with the quick payment application installed on the mobile terminal so as to call the function modules. The server of the quick starting system comprises a computer readable storage medium and a processor which are connected with each other, wherein a computer program is stored on the computer readable storage medium, and when the computer program is executed by the processor, the method for quickly starting the payment mode of the mobile terminal is realized by calling each functional module of the quick payment application.
The operation logic of each functional module of the quick payment application is explained as follows.
(1) And a payment mode management function module.
The payment modes supported by the mobile terminal comprise a WeChat scanning code, a WeChat payment code, a WeChat applet, a Paibao scanning code, a Paibao payment code, a Paibao applet, a bank payment program and the like. The user adds the payment mode to the quick payment application, the quick payment application defines a payment interface of the added payment mode as a skip link, and a preset program enables a set fixed parameter, such as payment amount, to be automatically filled in the payment interface after skip. The payment interface is a direct payment window of each payment mode, such as a two-dimensional code window of a WeChat payment code and a scanning window of a Paibao scanning code.
(2) The situation defines and identifies the functional module.
The context definition and identification function module of the quick payment application defines the context of the mobile terminal on one hand and identifies whether the mobile terminal is in the defined context on the other hand. The mobile terminal is located in a situation including environment elements of the mobile terminal, and the environment elements include time information and address information.
There are two ways to define the context in which the mobile terminal is located.
One way is for the user to enter context elements directly at the interface of the quick payment application. For example, lunch and payment in a dining room is a typical payment behavior of a user, and the user creates a new scenario named "dining room lunch" in the quick payment application interface and defines the following environmental element information: the time information is twelve to thirteen and half at noon; the address information is 'the positioning address of the canteen and the range of 5 meters around the positioning address'.
Another way is to obtain from the mobile terminal's payment over a period of time as recorded by the quick payment application. In a period of time before the implementation step is executed for the first time and in the process of executing the implementation step, the fast payment application records a situation of the mobile terminal when the payment behavior occurs and a payment mode adopted by the payment behavior, for example, a user pays at a station by using a WeChat payment code at eight am, the situation definition and identification function module of the fast payment application identifies that the station and the eight am are environment elements which appear for the first time, and if an undefined new situation occurs, a new situation creation window is popped up for the user to confirm the environment element information and input a new situation name. In the new context creation window, the context definition and recognition function: extending the current time 'eight am' acquired from a timing device of the mobile terminal to the time information of the new situation, and defining the time information as 'seven am half to eight am half'; expanding a positioning address 'station A' acquired from a positioning device of the mobile terminal into address information of the new situation, and defining the address information as 'the positioning address of the station A and the range of 2 meters around the positioning address'; and providing a blank context name bar for user input. The user inputs a situation name, such as 'morning station', and after confirming that the time information and the address information in the environment element of the new situation are correct, the situation definition and identification function module stores the new situation 'morning station'.
(3) And the situation and payment mode binding function module.
The context and payment mode binding function module is used for establishing a mapping relation between the context and the payment mode. The situation is the situation defined in the situation definition and identification function module, and the payment mode is the payment mode added in the payment mode management function module.
And the user selects the situation and the corresponding payment function in the situation and payment mode binding function module. Such as a payment method in which the user binds the WeChat payment code to a "canteen lunch" scenario.
Or, in the process of recording the situation of the mobile terminal when the payment behavior occurs and the payment mode adopted by the payment behavior at this time by the quick payment application, if the payment behavior adopting the payment mode M repeatedly occurs in the same situation for a preset degree (for example, continuously occurs for 3 times), the situation and payment mode binding function module automatically records the payment mode as the payment mode corresponding to the situation. For example, the user completes the payment behavior in the payment mode of the WeChat code scanning in the situation of 'dining room lunch' for three consecutive days, and then the situation and payment mode binding function module automatically takes the payment mode of the WeChat code scanning as the payment mode corresponding to the situation of 'dining room lunch'.
(4) The shortcut mode starts the function module.
The implementation mode of the quick payment application is to continuously execute implementation steps of a payment mode of the quick start mobile terminal after a trigger action occurs (the specific steps of the implementation steps are detailed later). Wherein, the initial setting of the trigger action is as follows: the user opens the quick payment application.
For a payment behavior with a relatively fixed payment time, such as a payment behavior that a user finishes lunch in a dining hall between 12 o 'clock 30 and 12 o' clock 40 fixed on a working day, in order to further accelerate the efficiency of the user opening a payment mode for payment, the user can change a trigger action into screen unlocking starting in the shortcut mode starting function module: and immediately executing the implementation step of quickly starting the payment mode of the mobile terminal by unlocking the screen of the mobile terminal by the user. The selection of the screen unlocking and starting by the user is to integrate the payment mode quick starting function with a screen unlocking program, so that the quick payment application always works in a background of the mobile terminal, when the user performs the operation of unlocking the screen on the mobile terminal, a screen locking device of the mobile terminal sends a signal to the quick payment application, and the execution step of quickly starting the payment mode of the mobile terminal is immediately executed after the quick payment application receives the signal.
The implementation steps of the payment method for quickly starting the mobile terminal are shown in fig. 2, and specifically include the following step A, B, C.
Step A: the current situation of the mobile terminal is identified. The server obtains that the current time of the mobile terminal is 35 minutes at 12 points and the positioning address is 1 meter around the dining room through the quick payment application, and judges that the current time and the positioning address of the mobile terminal both meet the requirements of time information and address information of a situation of 'dining room lunch', so that the situation where the mobile terminal is located at present is identified as 'dining room lunch'.
And B: and acquiring a pre-stored payment mode corresponding to the identified situation. The server calls a binding function module of the situation of the quick payment application and the payment mode, and acquires that the corresponding payment mode bound by the situation that the user is canteen lunch is a WeChat payment code.
And C: and the server enables the mobile terminal to automatically jump to a micro-signaling payment code payment mode, and the payment can be carried out by automatically opening the two-dimensional code window of the micro-signaling payment code.
Preferably, in step B, the payment method of the WeChat code is also used as the payment method corresponding to the "dining hall lunch" scenario when the quick payment application records. Therefore, the payment mode corresponding to the situation of dining hall lunch is of two types: WeChat payment codes and WeChat scanning codes. At the moment, the quick payment application pops up an activatable quick payment function list, provides two payment modes of a WeChat payment code and a WeChat scanning code for the user, and selects one payment mode by the user. In step C, the server directly causes the mobile terminal to jump to the selected payment means: and (4) opening a WeChat code scanning window on a payment interface of the WeChat code scanning. Specifically, under the situation of "dining room lunch", the user often purchases packages at the same price in the dining room, and therefore, the user sets a fixed parameter (package price) automatically filled in the payment interface under the situation of "dining room lunch" in advance in the preset program for quickly starting the mobile terminal, such as: the canteen supports the WeChat code scanning payment mode, and if the canteen lunch payment mode is skipped to under the situation of 'WeChat code scanning payment mode', the collection code of the canteen is automatically read on a payment interface and the price of the set meal is automatically filled.
The method for quickly starting the payment mode of the mobile terminal links the current situation of the mobile terminal with the payment mode, directly jumps to the payment interface of the payment mode after identifying the current situation of the mobile terminal, avoids the process that a user manually starts the payment mode and enters the payment interface, reduces operation steps, and provides a quick and efficient payment mode for the user.
The above-described system embodiments for quickly initiating a payment mode of a mobile terminal are merely illustrative, wherein the system modules may or may not be physically separated, and the components displayed as the modules may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above detailed description of the embodiments, those skilled in the art will clearly understand that the embodiments may be implemented by software plus a necessary general hardware platform, and may also be implemented by hardware. Based on such understanding, the above technical solutions may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, where the storage medium includes a Read-Only Memory (ROM), a Random Access Memory (RAM), a Programmable Read-Only Memory (PROM), an Erasable Programmable Read-Only Memory (EPROM), a One-time Programmable Read-Only Memory (OTPROM), an Electrically Erasable Programmable Read-Only Memory (EEPROM), a Compact Disc-Read-Only Memory (CD-ROM), or other disk memories, CD-ROMs, or other magnetic disks, A tape memory, or any other medium readable by a computer that can be used to carry or store data.
Finally, it should be noted that: the system and method for quickly starting the payment mode of the mobile terminal disclosed in the embodiment of the present invention are only the preferred embodiment of the present invention, and are only used for illustrating the technical solution of the present invention, not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those skilled in the art; the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims (11)

1. The method for quickly starting the payment mode of the mobile terminal is characterized by comprising the following implementation steps:
a, identifying the current situation of the mobile terminal;
and S, if the situation identified in the step A meets the preset condition, the mobile terminal automatically jumps to a preset payment mode.
2. The method for quickly starting the payment mode of the mobile terminal according to claim 1, wherein the payment modes include at least two payment modes, and the step S specifically includes the following steps B and C:
b, acquiring a pre-stored payment mode corresponding to the identified situation;
and C, enabling the mobile terminal to automatically jump to the payment mode.
3. The method for quickly starting the payment mode of the mobile terminal according to claim 2, wherein the situation of the mobile terminal when the payment behavior occurs in a period of time and the payment mode adopted by the payment behavior are recorded; if the payment behavior adopting the payment mode repeatedly occurs to a preset degree in the same situation, recording the payment mode as the payment mode corresponding to the situation.
4. The method for quickly initiating a payment mode of a mobile terminal of claim 3 wherein the recorded period of time includes a period of time prior to and/or during the first performing of the effecting step.
5. The method for quickly starting payment means of a mobile terminal according to any one of claims 2 to 4, wherein in the step B, if the identified situation corresponds to a plurality of payment means, the user selects one of the payment means.
6. The method for quickly starting a payment mode of a mobile terminal according to claim 1, wherein the implementing step is executed after a triggering action occurs, and the triggering action comprises unlocking a screen locking interface or starting a quick payment application.
7. The method for quickly starting a payment method of a mobile terminal according to claim 1 or 2, wherein in the step a, the current situation of the mobile terminal includes an environment element of the mobile terminal, and the environment element includes time information and/or address information.
8. The method for quickly starting the payment mode of the mobile terminal according to claim 1 or 2, wherein the payment mode comprises one or more of a WeChat scanning code, a WeChat payment code, a WeChat applet, a Payment treasure scanning code, a Payment treasure payment code, a Payment treasure applet and a bank payment program.
9. The method for quickly starting the payment mode of the mobile terminal according to claim 1 or 2, wherein after the other mobile terminal jumps to the payment mode, the preset fixed parameters are automatically filled in the payment interface.
10. Computer readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method for fast starting a payment means of a mobile terminal according to any one of claims 1 to 9.
11. A shortcut startup system comprising a server and a mobile terminal communicatively connected to each other, said server comprising a computer readable storage medium and a processor connected to each other, characterized in that the computer readable storage medium is according to claim 10.
CN202111359097.1A 2021-11-17 2021-11-17 Method, storage medium and system for quickly starting payment mode of mobile terminal Pending CN114049112A (en)

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CN107122979A (en) * 2017-05-23 2017-09-01 珠海市魅族科技有限公司 Information processing method and device, computer installation and computer-readable recording medium
CN107316194A (en) * 2017-06-20 2017-11-03 三星电子(中国)研发中心 It is a kind of based on positional information from the dynamic auxiliary means of payment and device
CN107895266A (en) * 2017-10-31 2018-04-10 珠海市魅族科技有限公司 Pay control method and device, terminal and readable storage medium storing program for executing
CN108629594A (en) * 2018-05-10 2018-10-09 Oppo广东移动通信有限公司 Method of payment, device, server and storage medium
CN109242471A (en) * 2018-08-20 2019-01-18 阿里巴巴集团控股有限公司 Page jump, bar code method of payment, device and equipment in

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106355395A (en) * 2016-08-26 2017-01-25 维沃移动通信有限公司 Payment method and mobile terminal
CN106383638A (en) * 2016-08-26 2017-02-08 维沃移动通信有限公司 Paying way displaying method and mobile terminal
CN107122979A (en) * 2017-05-23 2017-09-01 珠海市魅族科技有限公司 Information processing method and device, computer installation and computer-readable recording medium
CN107316194A (en) * 2017-06-20 2017-11-03 三星电子(中国)研发中心 It is a kind of based on positional information from the dynamic auxiliary means of payment and device
CN107895266A (en) * 2017-10-31 2018-04-10 珠海市魅族科技有限公司 Pay control method and device, terminal and readable storage medium storing program for executing
CN108629594A (en) * 2018-05-10 2018-10-09 Oppo广东移动通信有限公司 Method of payment, device, server and storage medium
CN109242471A (en) * 2018-08-20 2019-01-18 阿里巴巴集团控股有限公司 Page jump, bar code method of payment, device and equipment in

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