CN114792237A

CN114792237A - Payment mode adjusting method and related product

Info

Publication number: CN114792237A
Application number: CN202110098941.3A
Authority: CN
Inventors: 毛本权
Original assignee: Pateo Connect Nanjing Co Ltd
Current assignee: Pateo Connect Nanjing Co Ltd
Priority date: 2021-01-25
Filing date: 2021-01-25
Publication date: 2022-07-26

Abstract

The embodiment of the application provides a payment mode adjusting method and a related product, wherein the method comprises the following steps: acquiring an order to be paid; judging whether the currently set payment mode for completing the order to be paid meets a preset condition or not; and if the payment mode meets the preset condition, adjusting the payment mode to be a preset payment mode. By the adoption of the method and the device, user experience is provided beneficially.

Description

Payment mode adjusting method and related product

Technical Field

The application relates to the technical field of automobiles, in particular to a payment mode adjusting method and a related product.

Background

At present, products for clearly opening parking secret-free payment-instead-of-payment services in the market are increased, users who pay parking fees on line are gradually popularized, and the problems of the users when using the parking services are increased. For example, different systems or application programs correspond to different coupons or coupon information, when a user pays a parking fee, if a currently used system does not support the use of the coupons, and when the system defaults to be free from secret deduction, the user often forgets to close the service free from secret payment, or the user needs to close the service manually every time the user goes out of a parking lot, so that the user experience is low.

Disclosure of Invention

The embodiment of the application provides a payment mode adjusting method and a related product, which are beneficial to improving user experience.

A first aspect of an embodiment of the present application provides a method for adjusting a payment method, including:

acquiring an order to be paid;

judging whether the currently set payment mode for completing the order to be paid meets a preset condition or not;

and if the payment mode meets the preset condition, adjusting the payment mode to be a preset payment mode.

In a possible embodiment, the determining whether the currently set payment method for completing the order to be paid meets a preset condition includes:

and if the user operation aiming at the payment mode is responded, determining that the payment mode meets the preset condition.

In a possible embodiment, the determining whether the currently set payment method for completing the order to be paid meets a preset condition further includes:

determining coupon information corresponding to the payment mode;

determining whether the coupon information is allowed to be used;

if the coupon information is not allowed to be used, determining that the currently set payment mode for completing the order to be paid meets the preset condition;

and if the coupon information is allowed to be used, determining that the currently set payment mode for completing the order to be paid does not meet the preset condition.

In a possible embodiment, after the pushing of the prompt information to the user, the method further comprises:

and receiving feedback information of the user aiming at the prompt information, wherein the feedback information is used for indicating the step of adjusting the payment mode to a preset payment mode, monitoring the payment condition of the user, and restoring the preset payment mode to the payment mode after detecting that the user completes payment operation.

In a possible embodiment, the manner of pushing the prompt message to the user includes:

text displays a prompt message or a voice prompt.

In a possible embodiment, before the adjusting the current payment method to the preset payment method, the method further includes:

acquiring identity verification information;

verifying the identity verification information;

and after the identity authentication information is successfully authenticated, executing the step of adjusting the payment mode to a preset payment mode.

A second aspect of the embodiments of the present application provides a payment method adjustment apparatus, where the apparatus includes: an acquisition unit, a judgment unit and an adjustment unit, wherein,

the acquisition unit is used for acquiring the order to be paid;

the judging unit is used for judging whether the currently set payment mode for completing the order to be paid meets a preset condition;

and the adjusting unit is used for adjusting the payment mode to a preset payment mode if the payment mode meets the preset condition.

The third aspect of the present application provides an in-vehicle apparatus including: a processor and a memory; and one or more programs stored in the memory and configured to be executed by the processor, the programs including instructions for some or all of the steps as described in the first aspect.

A fourth aspect of embodiments of the present application provides a computer-readable storage medium, where the computer-readable storage medium is used to store a computer program, where the computer program is configured to make a computer execute some or all of the steps described in the first aspect of embodiments of the present application.

A fifth aspect of embodiments of the present application provides a computer program product, wherein the computer program product comprises a non-transitory computer readable storage medium storing a computer program operable to cause a computer to perform some or all of the steps as described in the first aspect of embodiments of the present application. The computer program product may be a software installation package.

The embodiment of the application has the following beneficial effects:

it can be seen that through the payment mode adjustment method and the related products described in the embodiments of the present application, the order to be paid can be obtained; judging whether the currently set payment mode for completing the order to be paid meets a preset condition or not; and if the payment mode meets the preset condition, adjusting the payment mode to be a preset payment mode. Therefore, the payment mode can be adjusted through the preset conditions, secret withholding-free payment can not be automatically carried out, manual operation of a user is not needed, and user experience is favorably provided.

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 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. 1A is a schematic structural diagram of an on-board device according to an embodiment of the present disclosure;

fig. 1B is a schematic system architecture diagram of a payment method adjustment method according to an embodiment of the present application;

fig. 1C is a schematic flowchart of an embodiment of a payment method adjustment method provided in an embodiment of the present application;

fig. 2 is a schematic flowchart of an embodiment of a payment method adjustment method provided in an embodiment of the present application;

fig. 3 is a schematic structural diagram of an embodiment of a payment method adjustment apparatus according to an embodiment of the present application;

fig. 4 is a schematic structural diagram of an embodiment of an on-board device provided in an embodiment of the present application.

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, and it is obvious that the described embodiments are some, but not all, embodiments of the present application. 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 application.

The terms "first," "second," "third," and "fourth," etc. in the description and claims of this application and in the accompanying drawings are used for distinguishing between different elements and not for describing a particular sequential order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, 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 application. 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 vehicle-mounted device according to the embodiment of the present application may include various handheld devices, electronic devices, wearable devices, computing devices or other processing devices connected to a wireless modem, which have wireless communication functions, and various forms of User Equipment (UE), Mobile Stations (MS), terminal devices (terminal device), and the like. For convenience of description, the above-mentioned devices are collectively referred to as an in-vehicle device.

Fig. 1A is a schematic structural diagram of an in-vehicle device according to an embodiment of the present application, where the in-vehicle device includes a control circuit and an input-output circuit, and the input-output circuit is connected to the control circuit.

The control circuitry may include, among other things, storage and processing circuitry. The storage circuit in the storage and processing circuit may be a memory, such as a hard disk drive memory, a non-volatile memory (e.g., a flash memory or other electronically programmable read only memory used to form a solid state drive, etc.), a volatile memory (e.g., a static or dynamic random access memory, etc.), etc., and the embodiments of the present application are not limited thereto. Processing circuitry in the storage and processing circuitry may be used to control operation of the in-vehicle device. The processing circuitry may be implemented based on one or more microprocessors, microcontrollers, digital signal processors, baseband processors, power management units, audio codec chips, application specific integrated circuits, display driver integrated circuits, and the like.

The storage and processing circuitry may be used to run software in the in-vehicle device, such as playing a call prompt ringing application, playing a short message prompt ringing application, playing an alarm prompt ringing application, playing a media file application, a Voice Over Internet Protocol (VOIP) phone call application, operating system functions, and so forth. The software may be used to perform some control operations, for example, playing an incoming call prompt ring, playing a short message prompt ring, playing an alarm clock prompt ring, playing a media file, making a voice phone call, and performing other functions in the vehicle device, and the embodiments of the present application are not limited.

The input-output circuit can be used for enabling the vehicle-mounted device to input and output data, namely allowing the vehicle-mounted device to receive the data from the external device and allowing the vehicle-mounted device to output the data from the vehicle-mounted device to the external device.

The input-output circuit may further include a sensor. The sensors may include ambient light sensors, optical and capacitive based infrared proximity sensors, ultrasonic sensors, touch sensors (e.g., optical based touch sensors and/or capacitive touch sensors, where the touch sensors may be part of a touch display screen or used independently as a touch sensor structure), acceleration sensors, gravity sensors, and other sensors, among others. The input-output circuit may further include an audio component that may be used to provide audio input and output functionality for the in-vehicle device. The audio components may also include a tone generator and other components for generating and detecting sound.

The input-output circuitry may also include one or more display screens. The display screen can comprise one or a combination of a liquid crystal display screen, an organic light emitting diode display screen, an electronic ink display screen, a plasma display screen and a display screen using other display technologies. The display screen may include an array of touch sensors (i.e., the display screen may be a touch display screen). The touch sensor may be a capacitive touch sensor formed by a transparent touch sensor electrode (e.g., an Indium Tin Oxide (ITO) electrode) array, or may be a touch sensor formed using other touch technologies, such as acoustic wave touch, pressure sensitive touch, resistive touch, optical touch, and the like, and the embodiments of the present application are not limited thereto.

The input-output circuitry may also further include communications circuitry that may be used to provide the in-vehicle device with the ability to communicate with an external device. The communication circuitry may include analog and digital input-output interface circuitry, and wireless communication circuitry based on radio frequency signals and/or optical signals. The wireless communication circuitry in the communication circuitry may include radio-frequency transceiver circuitry, power amplifier circuitry, low noise amplifiers, switches, filters, and antennas. For example, the wireless communication circuitry in the communication circuitry may include circuitry to support Near Field Communication (NFC) by transmitting and receiving near field coupled electromagnetic signals. For example, the communication circuit may include a near field communication antenna and a near field communication transceiver. The communications circuitry may also include cellular telephone transceiver and antennas, wireless local area network transceiver circuitry and antennas, and so forth.

The input-output circuit may further include other input-output units. Input-output units may include buttons, joysticks, click wheels, scroll wheels, touch pads, keypads, keyboards, cameras, light emitting diodes and other status indicators, and the like.

The vehicle-mounted device may further include a battery (not shown), and the battery is used for supplying electric energy to the vehicle-mounted device.

The following describes embodiments of the present application in detail.

Referring to fig. 1B, fig. 1B is a schematic diagram of a system architecture of a payment method adjustment method according to an embodiment of the present disclosure. As shown in fig. 1B, the system architecture includes: an in-vehicle device 110 and a cloud server (or cloud end) 120,

in order to ensure information security of user information (for example, user personal information, user parking information, user driving information, order payment information, and the like, which are not limited herein), or to save storage space of the vehicle-mounted device, the user information may be stored in the cloud server 120, and may be acquired from the cloud server when needed.

For example, after the user enters a parking lot, a to-be-paid order may be generated by the cloud server 120 according to a car usage situation or a parking situation of the user, where the to-be-paid order may include at least one of the following: parking fee, parking time, parking number, order number, etc., without limitation; when it is detected that the user is ready to leave the parking lot, the vehicle-mounted device 110 may query the cloud server 120 whether the order to be paid is available, and if so, obtain the order to be paid. In other embodiments, the unpaid order may also be generated by a parking management system that uploads the unpaid order to cloud server 120, which sends the unpaid order to in-vehicle device 110 when the vehicle leaves the parking lot. The vehicle-mounted device includes at least one of a vehicle-mounted host, a vehicle-mounted T-Box (vehicle-mounted intelligent terminal), or a mobile terminal, which is not limited in this embodiment.

In accordance with the above, please refer to fig. 1C, which is a flowchart illustrating an embodiment of a payment method adjustment method according to an embodiment of the present application. The payment method adjustment method described in this embodiment, applied to the vehicle-mounted device shown in fig. 1A and 1B, includes the following steps:

101. and acquiring the order to be paid.

When a user enters the parking lot, the vehicle-mounted equipment can generate an order to be paid and uploads the order to a cloud end or a cloud server and the like; when a user needs to leave a parking lot, for example, after the user opens a vehicle door after the parking lot is erected stably and closes the vehicle door, if the vehicle door is opened again after a preset time (which may be set by the user or may be set by the system as a default, but not limited to this), it indicates that the user needs to leave the parking lot, and a vehicle leaving instruction may be triggered, the vehicle-mounted device may send an information query request to the cloud end or the cloud server, where the information query request is used to instruct the cloud end or the cloud server to query whether an order to be paid exists.

Further, when the to-be-supported order exists in the cloud or the cloud server, the to-be-paid order may be obtained, and the to-be-paid order may include information such as parking fee, parking time, and order number after the user parks in the parking lot, which is not limited herein.

102. And judging whether the currently set payment mode for completing the order to be paid meets a preset condition.

The order to be paid can refer to an order which is not yet paid, and the payment mode can include at least one of the following modes: the secret fee deduction-free payment method, the non-secret fee deduction payment method and the like are not limited herein, wherein the non-secret fee deduction payment method may include at least one of the following: fingerprint authentication payment, face authentication payment, password authentication payment, and the like, but are not limited thereto.

The preset condition may be set by the user or default of the system, and is not limited herein; the currently set payment method for completing the to-be-paid payment method may refer to a currently set payment method in the vehicle-mounted device, and may be set by a user or default by a system, which is not limited herein.

In a possible example, the determining whether the currently set payment method for completing the order to be paid satisfies a preset condition may include the following steps: and if the user operation aiming at the payment mode is responded, determining that the payment mode meets the preset condition.

Wherein, the user operation may include at least one of the following: clicking a screen of the vehicle-mounted device, starting an application program for paying the parking fee in the vehicle-mounted device, closing the password-free withholding payment service, and the like, which are not limited herein.

If the payment mode defaults to a secret deduction-free payment mode, once the vehicle-mounted device detects user operation, it can be determined that the user may need to close the secret deduction-free payment mode, and the secret deduction-free payment mode can be directly closed or adjusted to other payment modes. Therefore, the payment mode can be directly adjusted to be a preset payment mode, namely, the password-free withholding payment mode is closed.

In a possible example, the determining whether the currently set payment method for completing the order to be paid meets a preset condition may further include the following steps: determining coupon information corresponding to the payment mode; determining whether the coupon information is allowed to be used; if the coupon information is not allowed to be used, determining that the currently set payment mode for completing the order to be paid meets the preset condition; and if the coupon information is allowed to be used, determining that the currently set payment mode for completing the order to be paid does not meet the preset condition.

Wherein, the coupon information may include at least one of the following: coupon availability, coupon exemption limit, coupon availability period, etc., without limitation; wherein, the coupon usable range can comprise at least one of the following: the coupon-usable device, the coupon-usable application, the coupon-usable parking lot, and the like, without limitation.

In a specific implementation, a plurality of application programs for paying parking fees may be loaded or installed in the vehicle-mounted device, each application program may correspond to one parking lot, in an actual scenario, a situation may occur that a coupon corresponding to the application program a currently loaded by the user or the parking ticket may not support payment of the parking fee generated by the current parking lot B, but the coupon information in the application program B supports usage of the parking fee of the parking lot B, that is, some service systems may not support coupon information in other systems except the system (for example, free parking tickets, fare deduction tickets, and the like), then if the user pays the parking fee of the current parking lot by using the application program a, the coupon information in the application program B may be missed, and therefore, the coupon information corresponding to the current payment method may be determined, so as to determine the best preferential strength corresponding to the payment mode in the current vehicle-mounted equipment.

Further, whether the coupon is allowed to be used by the current application or application program or service system or not can be judged, if the coupon is allowed to be used, the payment mode can be determined to meet the preset condition, namely the payment mode is a secret deduction-free payment mode; on the contrary, if the coupon is not allowed to be used by the current application or the application program or the service system, it may be determined that the payment method does not satisfy the preset condition, that is, when other applications may be used, the coupon is more favorable, the payment method is a non-password-free payment method, and the payment operation of the order to be paid may be completed only by the user operation.

Therefore, in the embodiment of the application, whether the coupon information exists can be determined by judging whether the coupon information existing in the system can be used by the currently used application program or service system, and further whether the user can directly use the password-free withholding mode to pay for the order to be paid can be determined by allowing or not, so that the improvement of user experience is facilitated.

103. And if the payment mode meets the preset condition, adjusting the payment mode to be a preset payment mode.

The preset payment mode can be set by a user or defaulted by a system, and is not limited herein; the preset payment mode can be set as a non-password-free withholding payment mode.

For example, if the payment method satisfies the preset condition, it may be understood that the service system currently used by the vehicle device to complete parking fee payment supports the use of the coupon information, and at this time, compared with directly using the service system to perform the password-free withholding payment, the discount using the coupon information is stronger, and further, the password-free withholding payment method may be changed to a non-password-free withholding payment method.

Therefore, in the embodiment of the application, the password withholding-free payment mode can be changed into a non-password withholding-free payment mode, so that the user can freely screen the coupon information to determine the maximum coupon information, the phenomenon of mistaken money deduction under the condition that other coupon information exists is avoided, and the user experience is improved.

In a possible embodiment, the method may further include the steps of: if the payment mode meets the preset condition, prompting information is pushed to a user, and the prompting information is used for prompting whether the user needs to adjust the current payment mode to the preset payment mode.

When the payment mode meets a preset condition, that is, when the payment mode is a secret deduction-free payment mode and coupons or discount information which are not allowed to be used by a current application program or application or system exist, prompt information can be sent to the user, wherein the prompt information is used for prompting the user whether to adjust the secret deduction-free payment mode to the preset payment mode, such as whether to close the secret deduction-free payment mode or not. Therefore, the user can close or pause the password-free withholding payment service according to the discount information, or if the user has other paper coupons with higher discount strength, the user can pay by adopting the most favorable payment mode or the coupon information so as to avoid missing the discount information, and the user experience is favorably improved.

In a possible example, after the pushing of the prompt information to the user, the method may further include: and receiving feedback information of the user aiming at the prompt information, wherein the feedback information is used for indicating the step of adjusting the payment mode to a preset payment mode, monitoring the payment condition of the user, and restoring the preset payment mode to the payment mode after detecting that the user completes payment operation.

For example, after the user completes the payment operation, the payment mode can be automatically adjusted back to the original password-free payment mode again without adopting the information prompting mode, and the user experience is favorably improved on the premise of not influencing the password-free withholding service of other orders.

In a possible example, the manner for pushing the prompt message to the user may include at least one of the following: a text display prompt message or a voice prompt, etc., wherein the text display prompt message may include displaying the prompt message in a preset manner on the display screen, wherein the preset manner may include at least one of: pop-up windows, message boxes, floating frames, etc., without limitation.

Optionally, before the current payment method is adjusted to the preset payment method, the method may further include the following steps: acquiring identity authentication information; verifying the identity verification information; and after the identity authentication information is successfully authenticated, executing the step of adjusting the payment mode to a preset payment mode.

Wherein, the identity authentication information may include at least one of the following: iris image information, fingerprint image information, face image information, password information, vein information, and the like, which are not limited herein.

Optionally, if the authentication information includes a plurality of fingerprint images, the authenticating the authentication information includes: sequencing the multiple fingerprint images to obtain multiple ordered fingerprint images, wherein each fingerprint image corresponds to a moment; extracting feature points of each ordered fingerprint image in the ordered fingerprint images to obtain a plurality of feature point sets, wherein each ordered fingerprint image corresponds to one feature point set; processing the plurality of ordered fingerprint images according to the plurality of feature point sets to obtain a target fingerprint image; matching the target fingerprint image with a preset fingerprint image to obtain a first matching degree; and if the first matching degree is greater than or equal to a first preset threshold value, determining that the identity authentication information is successfully authenticated.

The first preset threshold may be set by the user or default, and is not limited herein; the preset fingerprint image can be set by the user or defaulted by the system, and is not limited herein; for example, the preset fingerprint image may be fingerprint information previously entered by the user.

The feature extraction method may include at least one of the following: accelerated Up Robust Feature method (SURF), Scale Invariant Feature Transform (SIFT), Feature From Accelerated Segment Test (FAST), Harris corner method, local Invariant Feature point Feature extraction (ORE FAST and Robust Brief), etc., which are not limited herein.

In the embodiment of the application, because the condition that the fingerprints are incomplete or have a covering object may exist in a plurality of fingerprint images, the fingerprint identification method and the fingerprint identification device are not convenient for accurate verification, so that the plurality of fingerprint images can be spliced to obtain a complete fingerprint image, and the identification accuracy is improved.

In a possible example, the processing the multiple ordered fingerprint images according to the multiple feature point sets to obtain a target fingerprint image may include the following steps: calculating a second matching degree between a feature point set i corresponding to the ordered fingerprint image i and a feature point set j corresponding to the ordered fingerprint image j according to the feature point sets to obtain a plurality of second matching degrees, wherein the ordered fingerprint image i and the ordered fingerprint image j are any two adjacent ordered fingerprint images in the ordered fingerprint images; determining a second matching degree which is greater than or equal to a second preset threshold value in the plurality of second matching degrees as a target matching degree to obtain a plurality of target matching degrees; determining a target feature point i corresponding to each target matching degree in the ordered fingerprint image and a target feature point j corresponding to each target matching degree in the ordered fingerprint image; determining a splicing position between the ordered fingerprint image i and the ordered fingerprint image j according to the target characteristic point i and the target characteristic point j; and splicing the ordered fingerprint image i and the ordered fingerprint image j according to the splicing position to obtain the target fingerprint image.

The second preset threshold may be set by the user or default, and is not limited herein; the ordered fingerprint image i and the ordered fingerprint image j are any two adjacent ordered fingerprint images in the ordered fingerprint images, and in the embodiment of the application, only any two adjacent ordered fingerprint images are taken as an example, so that the ordered fingerprint images can be spliced based on the splicing position between every two ordered fingerprint images to obtain the target fingerprint image.

In a specific implementation, a second matching degree between each feature point in the feature point set i and each feature point in the feature point set j corresponding to the ordered fingerprint image j can be calculated to obtain a plurality of second matching degrees; because some feature points may have relatively unobvious features, the feature points in the feature point set i and the feature point set j can be screened, and then the second matching degree which is greater than or equal to a second preset threshold value in the plurality of second matching degrees is determined as the target matching degree, so that a plurality of target matching degrees are obtained.

Further, a target feature point i corresponding to each target matching degree in the ordered fingerprint image i and a target feature point j corresponding to the ordered fingerprint image j can be determined, image features between each target feature point i and the corresponding target feature point j are determined, a coordinate system is established according to any one of the ordered fingerprint images, a position relation between any one of the ordered fingerprint images and the other ordered fingerprint image, namely a splicing position, is determined based on the coordinate system, the ordered fingerprint image i and the ordered fingerprint image j are fused according to the splicing position to obtain an image to be cut, the image to be cut is cut according to the position relation to remove a repeated region in the image to obtain a target ordered fingerprint image, the above manner is repeated on other ordered fingerprint images to further obtain a plurality of target ordered fingerprint images, and finally, splicing a plurality of target ordered fingerprint images according to the shooting time sequence, and finally obtaining the target fingerprint image.

Therefore, in the embodiment of the application, the repeated area in the ordered fingerprint images can be removed to remove redundant information in the images, so that a complete fingerprint image is obtained, and the fingerprint matching efficiency is improved.

Therefore, the payment mode adjusting method provided by the embodiment of the application is applied to the vehicle-mounted equipment to obtain the order to be paid; judging whether the currently set payment mode for completing the order to be paid meets a preset condition or not; and if the payment mode meets the preset condition, adjusting the payment mode to be a preset payment mode. Therefore, the adjustment of the payment mode can be realized by presetting conditions, the password-free withholding payment can not be automatically carried out, the manual operation of a user is not needed, and the user experience is favorably provided.

In accordance with the above, please refer to fig. 2, which is a flowchart illustrating an embodiment of a payment method adjustment method according to an embodiment of the present application. The payment method adjustment method described in this embodiment is applied to a vehicle-mounted device, and includes the following steps:

201. and acquiring the order to be paid.

202. And judging whether the currently set payment mode for completing the order to be paid meets a preset condition or not.

203. If the payment mode meets the preset condition, prompting information is pushed to a user, and the prompting information is used for prompting whether the user needs to adjust the current payment mode to the preset payment mode.

204. After the prompt message is pushed to the user, receiving feedback information of the user aiming at the prompt message, wherein the feedback information is used for indicating to execute the step of adjusting the payment mode to the preset payment mode, monitoring the payment condition of the user, and after the user is detected to finish payment operation, restoring the preset payment mode to the payment mode.

Optionally, the detailed description of the steps 201 to 204 may refer to corresponding steps from step 101 to step 103 of the payment method adjustment method described in fig. 1C, and will not be described again here.

The payment method adjusting method provided by the embodiment of the application is applied to the vehicle-mounted equipment to obtain the order to be paid; judging whether the currently set payment mode for completing the order to be paid meets a preset condition or not; if the payment mode meets the preset condition, pushing prompt information to a user, wherein the prompt information is used for prompting whether the user needs to adjust the current payment mode to the preset payment mode; after the prompt message is pushed to the user, receiving feedback information of the user aiming at the prompt message, wherein the feedback information is used for indicating to execute the step of adjusting the payment mode to the preset payment mode, monitoring the payment condition of the user, and after the user is detected to finish payment operation, restoring the preset payment mode to the payment mode. Therefore, when the payment mode meets the preset condition, prompt information can be pushed to the user to prompt the user to close the secret deduction-free payment service, and after the user finishes the secret deduction-free payment, the original payment mode, namely the secret deduction-free payment service, is automatically switched back, so that the influence on the payment of other orders is avoided, and the improvement of user experience is facilitated.

In accordance with the above, the following is a device for implementing the above payment method adjustment method, and specifically includes:

please refer to fig. 3, which is a schematic structural diagram of an embodiment of a payment method adjustment apparatus according to an embodiment of the present disclosure. The payment method adjustment apparatus described in this embodiment is applied to a vehicle-mounted device, and includes: an acquisition unit 301, a judgment unit 302, and an adjustment unit 303, wherein,

the acquiring unit 301 is configured to acquire an order to be paid;

the judging unit 302 is configured to judge whether a currently set payment mode for completing the order to be paid meets a preset condition;

the adjusting unit 303 is configured to adjust the payment method to a preset payment method if the payment method meets the preset condition.

The obtaining unit 301 may be configured to implement the method described in the step 101, the determining unit 302 may be configured to implement the method described in the step 102, the adjusting unit 303 may be configured to implement the method described in the step 103, and so on.

It can be seen that, by the payment mode adjusting device described in the embodiment of the present application, an order to be paid can be obtained; judging whether the currently set payment mode for completing the order to be paid meets a preset condition or not; and if the payment mode meets the preset condition, adjusting the payment mode to be a preset payment mode. Therefore, the payment mode can be adjusted through the preset conditions, secret withholding-free payment can not be automatically carried out, manual operation of a user is not needed, and user experience is favorably provided.

In a possible example, in terms of the determining whether the currently set payment method for completing the order to be paid satisfies a preset condition, the determining unit 302 is specifically configured to:

In a possible example, in terms of the determining whether the currently set payment method for completing the order to be paid satisfies a preset condition, the determining unit 302 is further specifically configured to:

determining coupon information corresponding to the payment mode;

determining whether the coupon information is allowed to be used;

It can be understood that the functions of each program module of the payment method adjustment apparatus in this embodiment may be specifically implemented according to the method in the foregoing method embodiment, and the specific implementation process may refer to the related description of the foregoing method embodiment, which is not described herein again.

In accordance with the above, please refer to fig. 4, which is a schematic structural diagram of an embodiment of an in-vehicle device provided in the embodiment of the present application. As shown in the figure, the vehicle-mounted device described in this embodiment includes a processor, a memory, a communication interface, and one or more programs, where the one or more programs are stored in the memory and configured to be executed by the processor, and in this embodiment, the programs include instructions for performing the following steps:

acquiring an order to be paid;

Therefore, the order to be paid can be obtained through the vehicle-mounted equipment described in the embodiment of the application; judging whether the currently set payment mode for completing the order to be paid meets a preset condition or not; and if the payment mode meets the preset condition, adjusting the payment mode to be a preset payment mode. Therefore, the payment mode can be adjusted through the preset conditions, secret withholding-free payment can not be automatically carried out, manual operation of a user is not needed, and user experience is favorably provided.

In one possible example, in the aspect of determining whether the currently set payment method for completing the order to be paid meets the preset condition, the program includes instructions for performing the following steps:

In one possible example, in terms of the determination of whether the currently set payment method for completing the order to be paid meets the preset condition, the program further includes instructions for performing the following steps:

determining coupon information corresponding to the payment mode;

determining whether the coupon information is allowed to be used;

In one possible example, the program further includes instructions for performing the steps of:

if the payment mode meets the preset condition, prompting information is pushed to a user, and the prompting information is used for prompting whether the user needs to adjust the payment mode to the preset payment mode.

In one possible example, after the pushing of the reminder to the user, the program further includes instructions for:

In one possible example, before the adjusting the current payment method to the preset payment method, the program further includes instructions for performing the following steps:

acquiring identity authentication information;

verifying the identity verification information;

The embodiment of the present application further provides a computer storage medium, where the computer storage medium may store a program, and when the program is executed, the program includes part or all of the steps of any one of the payment method adjustment methods described in the above method embodiments.

While the present application has been described in connection with various embodiments, other variations to the disclosed embodiments can be understood and effected by those skilled in the art in practicing the claimed application, from a review of the drawings, the disclosure, and the appended claims. In the claims, the word "comprising" does not exclude other elements or steps, and the word "a" or "an" does not exclude a plurality. A single processor or other unit may fulfill the functions of several items recited in the claims. The mere fact that certain measures are recited in mutually different dependent claims does not indicate that a combination of these measures cannot be used to advantage.

As will be appreciated by one of skill in the art, embodiments of the present application may be provided as a method, apparatus (device), or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein. A computer program stored/distributed on a suitable medium supplied together with or as part of other hardware, may also take other forms of distribution, such as via the Internet or other wired or wireless telecommunication systems.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable payment method adjustment apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable payment method adjustment apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable payment instrument to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable payment instrument adjustment device to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

Although the present application has been described in conjunction with specific features and embodiments thereof, it will be evident that various modifications and combinations may be made thereto without departing from the spirit and scope of the application. Accordingly, the specification and figures are merely exemplary of the present application as defined in the appended claims and are intended to cover any and all modifications, variations, combinations, or equivalents within the scope of the present application. It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

Claims

1. A payment mode adjusting method is characterized by being applied to vehicle-mounted equipment and comprising the following steps:

acquiring an order to be paid;

2. The method of claim 1, wherein the determining whether the currently set payment method for completing the order to be paid meets a preset condition comprises:

3. The method according to claim 2, wherein the step of determining whether the currently set payment method for completing the order to be paid meets a preset condition further comprises the steps of:

determining coupon information corresponding to the payment mode;

determining whether the coupon information is allowed to be used;

4. The method of claim 1, further comprising:

5. The method of claim 4, after said pushing prompt information to a user, further comprising:

6. The method of claim 4, wherein the pushing the prompt message to the user comprises:

text display prompt information or voice prompts.

7. The method of claim 1 or 5, prior to said adjusting the current payment method to a preset payment method, further comprising:

acquiring identity authentication information;

verifying the identity verification information;

8. A payment means adjustment apparatus, comprising: an acquisition unit, a judgment unit and an adjustment unit, wherein,

the acquisition unit is used for acquiring the order to be paid;

the judging unit is used for judging whether the currently set payment mode for completing the order to be paid meets a preset condition or not;

9. An in-vehicle device comprising a processor, a memory for storing one or more programs and configured for execution by the processor, the programs comprising instructions for performing the steps of the method of any of claims 1-7.

10. A computer-readable storage medium, characterized in that a computer program for electronic data exchange is stored, wherein the computer program causes a computer to perform the method according to any of claims 1-7.