CN115271720A

CN115271720A - Information processing method, payment card, and computer-readable storage medium

Info

Publication number: CN115271720A
Application number: CN202210860055.4A
Authority: CN
Inventors: 曾炜; 谢晓昕; 丁育祯; 陈凌潇
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-07-22
Filing date: 2022-07-22
Publication date: 2022-11-01

Abstract

The present disclosure provides an information processing method, a payment card, and a computer-readable storage medium, which can be applied to the payment card field and the financial field. The information processing method includes: responding to a request to be paid from a payment terminal, and displaying consumption information associated with the request to be paid by using a display module; generating payment information by using a consumption terminal module based on the consumption information so that the payment terminal completes payment operation corresponding to the request to be paid according to the payment information; and under the condition that the payment operation is finished, the payment information is uploaded to the server by using the management background module, so that the server transmits the payment information to the guardian terminal.

Description

Information processing method, payment card, and computer-readable storage medium

Technical Field

The present disclosure relates to the field of payment cards and the field of finance, and in particular to an information processing method, a payment card, a medium, and a program product to which the information processing method is applied.

Background

The non-contact card is born in the early 90 s and is a new technology developed in recent years in the world. The non-contact card successfully combines the radio frequency identification technology and the IC card technology, solves the problems of no source (no power supply in the card) and no contact, is a breakthrough in the field of electronic devices, and has the advantages that a magnetic card and a contact IC card are incomparable. Contactless cards are now in use in a wide variety of industries, and are growing at an alarming rate.

At present, when a consumer uses a non-contact card for payment, the consumer can finish card swiping consumption only by approaching the non-contact card (namely, a payment card) to a reception terminal (namely, a payment terminal) without verifying a password. This presents a risk to the cardholder as the password does not need to be verified at the time of consumption. Especially, special people such as the old or children needing monitoring are easy to be deceived or stolen by lawless persons, so that potential safety hazards are brought to property.

Disclosure of Invention

In view of the above, the present disclosure provides an information processing method, a payment card to which the information processing method is applied, a medium, and a program product.

According to a first aspect of the present disclosure, an information processing method is provided, which is applied to a payment card, where the payment card includes a consumption terminal module, a display module, and a management background module, and the method includes:

responding to a request to be paid from a payment terminal, and displaying consumption information associated with the request to be paid by using the display module;

generating payment information by using the consumption terminal module based on the consumption information so that the payment terminal completes payment operation corresponding to the request to be paid according to the payment information;

and under the condition that the payment operation is finished, the payment information is uploaded to a server by using the management background module, so that the server transmits the payment information to the guardian terminal.

According to an embodiment of the present disclosure, the payment card further includes a position acquisition module;

wherein, before generating the payment information, the method further comprises:

determining a position change result of the payment card within a first preset time period by using the position acquisition module;

and determining whether to generate the payment information based on the consumption information according to the position change result.

According to an embodiment of the present disclosure, the determining whether to generate the payment information based on the consumption information according to the location change result includes:

generating the payment information by using the consumption terminal module based on the consumption information under the condition that the position change result shows that the position change distance of the payment card in the first preset time period is smaller than a preset distance threshold;

and under the condition that the position change result shows that the position change distance of the payment card in the first preset time period is greater than a preset distance threshold value, the payment information is not generated.

According to the embodiment of the disclosure, the payment card further comprises a confirmation key and a fingerprint identification module, wherein the fingerprint identification module stores reference fingerprint information in advance;

wherein the generating of the payment information by the consumption terminal module based on the consumption information includes:

comparing the input fingerprint information of the target user acquired by the fingerprint identification module with the reference fingerprint information to obtain a comparison result;

acquiring the payment confirmation operation of the target user for the confirmation key under the condition that the comparison result shows that the input fingerprint information is consistent with the reference fingerprint information;

and generating payment information by using the consumption terminal module based on the consumption information in response to the payment confirmation operation.

According to the embodiment of the present disclosure, before generating the payment information, the method further includes:

acquiring the payment times of the payment card in a second preset time period;

under the condition that the payment times are less than the preset times, generating the payment information by utilizing the consumption terminal module based on the consumption information;

sending the consumption information to the guardian terminal under the condition that the payment times are greater than the preset times;

responding to first confirmation information from the guardian terminal, and generating the payment information by using the consumption terminal module based on the consumption information, wherein the first confirmation information is determined by the guardian according to the consumption information;

and/or

Under the condition that the consumption amount of the consumption information is larger than a preset amount, the consumption information is sent to the guardian terminal;

and responding second confirmation information from the guardian terminal, and generating the payment information by using the consumption terminal module based on the consumption information, wherein the second confirmation information is determined by the guardian according to the consumption information.

According to an embodiment of the present disclosure, the payment card includes initial balance information;

the generating of the payment information by the consumption terminal module based on the consumption information includes:

reading the initial balance information of the payment card by using the consumption terminal module;

and generating the payment information by using the consumption terminal module under the condition that the initial balance information is more than or equal to the consumption information.

According to an embodiment of the present disclosure, the generating payment information by using the consumption terminal module based on the consumption information further includes:

and under the condition that the initial balance information is less than the consumption information, displaying transaction failure information by using the display module.

According to an embodiment of the present disclosure, the information processing method further includes:

displaying the initial balance information of the payment card by using the display module;

and displaying target balance information by using the display module under the condition of finishing the payment operation, wherein the target balance information is determined according to the initial balance information and the payment information.

According to the embodiment of the present disclosure, in a case that the payment operation is completed, uploading the payment information to a server by using the management background module includes:

under the condition that the payment card is in communication connection with the server, the payment information is uploaded to the server by using the management background module;

and under the condition that the payment card is disconnected from the server in communication, the management background module is used for storing the payment information, so that when the payment card is in communication connection with the server, the management background module uploads the stored payment information to the server.

A second aspect of the present disclosure provides a payment card comprising:

the card body comprises a communication module, and the communication module is used for acquiring a request to be paid of a payment terminal;

the controller is connected with the communication module and used for generating consumption information according to the request to be paid;

the display module is used for displaying the consumption information;

the consumption terminal module is used for generating payment information based on the consumption information so that the payment terminal completes payment operation corresponding to the request to be paid according to the payment information; and

and the management background module is used for uploading the payment information to a server under the condition that the payment operation is completed, so that the server transmits the payment information to the guardian terminal.

According to an embodiment of the present disclosure, the payment card further includes:

the position acquisition module is used for determining a position change result of the payment card within a first preset time period;

the consumption terminal module is further configured to determine whether to generate the payment information based on the consumption information according to the position change result.

According to an embodiment of the present disclosure, the payment card further comprises:

the electric energy supply module is used for supplying electric energy to the payment card;

a fingerprint identification module for comparing the input fingerprint information of the input target user with the reference fingerprint information to obtain a comparison result

A confirmation key for completing the payment operation by the target user by clicking the confirmation key, in case that the comparison result indicates that the input fingerprint information is identical to the reference fingerprint information;

and/or

The loudspeaker is used for broadcasting the consumption information and/or broadcasting transaction state information according to the payment operation, wherein the transaction state information comprises transaction success information or transaction failure information; and/or

And the reset key is used for restarting the payment card.

According to an embodiment of the present disclosure, the above power supply module includes:

a storage battery;

a photoelectric conversion device for converting light energy into electric energy and storing the electric energy in the storage battery; and/or

And the charging port is used for charging the storage battery.

The third aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the above-mentioned information processing method.

A fourth aspect of the present disclosure also provides a computer program product comprising a computer program that, when executed by a processor, implements the above-described information processing method.

According to the embodiment of the disclosure, the user can directly know the consumption information needing to be paid by responding to the request to be paid, the payment information can be transmitted to the guardian terminal through the server after the payment card generates the corresponding payment request and the payment terminal completes the payment operation by utilizing the payment information, so that the guardian can know the actual consumption condition of the user in time, the loss of money of the user caused by deception of the user by a bad merchant is avoided, and the safety of the user in consumption is improved.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

fig. 1 schematically shows an application scenario diagram of an information processing method according to an embodiment of the present disclosure;

FIG. 2 schematically shows a flow chart of an information processing method according to an embodiment of the present disclosure;

FIG. 3 schematically shows a flow diagram for generating payment information according to an embodiment of the disclosure;

FIG. 4 schematically illustrates a block diagram of a payment card in accordance with an embodiment of the present disclosure;

fig. 5 schematically shows a block diagram of a structure of a payment card according to another embodiment of the present disclosure;

FIG. 6 schematically illustrates a side view of a payment card according to an embodiment of the disclosure;

figure 7 schematically illustrates an electrical connection schematic of a payment card according to an embodiment of the present disclosure; and

fig. 8 schematically shows a block diagram of an electronic device adapted to implement an information processing method according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that these descriptions are illustrative only and are not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "A, B and at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include, but not be limited to, systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

An embodiment of the present disclosure provides an information processing method, a payment card, a medium, and a program product, the method including: responding to a request to be paid from a payment terminal, and displaying consumption information associated with the request to be paid by using a display module; based on the consumption information, generating payment information by using a consumption terminal module so that the payment terminal completes payment operation corresponding to the request to be paid according to the payment information; and under the condition that the payment operation is completed, the payment information is uploaded to the server by using the management background module, so that the server transmits the payment information to the guardian terminal.

It should be noted that the information processing method and the payment card provided by the present disclosure may be used in the financial field, for example, in financial institutions such as banks, and may also be used in any fields other than the financial field, for example, in the health field such as hospitals, and therefore, the application fields of the information processing method and the payment card provided by the present disclosure are not limited.

Prior to obtaining the location information and/or fingerprint information of the user, the user's consent or authorization is obtained in advance. For example, a request may be issued to a user to obtain user location information prior to issuing a payment card to the user. The authorized location acquisition module may acquire the location information of the user in a case where the user agrees or authorizes that the user information can be acquired. For another example, a request may be issued to the user to obtain user fingerprint information prior to issuing a payment card to the user. And under the condition that the user agrees or authorizes to obtain the user fingerprint information, identifying the input fingerprint information of the user by using the fingerprint identification module.

Fig. 1 schematically shows an application scenario diagram of an information processing method according to an embodiment of the present disclosure.

As shown in fig. 1, the application scenario 100 according to this embodiment may include a scenario of a card-swipe transaction at the time of daily consumption. The network 106 serves as a medium to provide a communication link between the

payment terminals

101, 102, 103, the payment card 104, the server 105 and the guardian terminal 107. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The merchant may use the

payment terminals

101, 102, 103 to interact with the server 105 over the network 106 to receive or send messages or the like. Various deduction client applications may be installed on the

payment terminals

101, 102, 103.

The

payment terminals

101, 102, 103 may be various electronic devices having a display module and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by merchants using the

terminal devices

101, 102, 103. The backend management server may analyze and perform processing on the received data such as the request to be paid and the payment information, and feed back a processing result (for example, a web page, information, or data obtained or generated according to a user request) to the payment terminal, and the server 105 may further obtain various information of the payment card 104, such as consumption information, payment information, and the like, through the network 106, and transmit the information to the guardian terminal 107 through the network 106.

It should be noted that the information processing method provided by the embodiment of the present disclosure may be executed by the payment card 104 capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of payment terminals, networks and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The information processing method of the disclosed embodiment will be described in detail below with fig. 2 to 3 based on the scenario described in fig. 1.

Fig. 2 schematically shows a flow chart of an information processing method according to an embodiment of the present disclosure.

The information processing method of the embodiment is applied to the payment card, and the payment card can comprise a consumption terminal module, a display module and a management background module.

As shown in fig. 2, the information processing method of this embodiment may include operations S210 to S230.

In operation S210, in response to a request to be paid from a payment terminal, consumption information associated with the request to be paid is displayed using a display module.

In operation S220, payment information is generated by the consumption terminal module based on the consumption information, so that the payment terminal completes a payment operation corresponding to the request to be paid according to the payment information.

In operation S230, in case of completing the payment operation, the payment information is uploaded to the server by the management background module, so that the server transmits the payment information to the guardian terminal.

According to embodiments of the present disclosure, the payment terminal may include, but is not limited to, a merchant's POS. The payment card can be a billing card used by people needing monitoring, such as old people or children. The display module may include, but is not limited to, a color display screen and an electronic ink display screen.

According to embodiments of the present disclosure, the consumption information may include, but is not limited to, a consumption amount, time information of purchasing a product, merchant information, address information, and commodity information.

According to an embodiment of the present disclosure, the payment information may refer to information for completing a deduction, for example, an electric signal for agreeing to a payment, or a payment code displayed on the display module, such as a two-dimensional code. The payment operation may refer to an operation of the payment terminal completing a deduction.

According to the embodiment of the disclosure, when a user pays after a merchant purchases a commodity, the merchant generates a request to be paid through a payment terminal, and a payment card displays consumption information associated with the request to be paid through a display module, so that the user can know whether the product is purchased and the consumption amount is convenient through the display module on the payment card. And generating corresponding payment information through the consumption terminal module so that the payment terminal of the merchant completes corresponding payment operation according to the payment information, thereby completing the purchase of the commodity. After payment is completed, the management background module of the payment card can transmit the payment information to the guardian terminal through the server, so that the guardian can know the consumption condition of the user in real time, and the loss of money of the user caused by the fact that a bad merchant deceives the user needing monitoring is avoided.

According to an embodiment of the present disclosure, the payment card may further include a location acquisition module.

According to an embodiment of the present disclosure, before generating the payment information, the following operations may be further included:

and determining a position change result of the payment card in a first preset time period by using a position acquisition module. And determining whether to generate payment information based on the consumption information according to the position change result.

According to embodiments of the present disclosure, the location acquisition module may include, but is not limited to, a GPS module, an electronic gyroscope, or a mechanical gyroscope. The first preset time period may be specifically set by the guardian or the financial institution according to actual situations, and may be set to 10 seconds, for example.

According to the embodiment of the disclosure, when a user walks or takes a public transport means, a plurality of lawbreakers can steal the payment card carried by the user by using the carried payment terminal, so that the property safety of the user can be threatened.

In an exemplary embodiment, in the walking process of a user, the position of the user changes in real time, so that the position obtaining module can determine that the payment card is in a position change result with a large position change in a first preset time period, and the payment card determines that payment information is not generated according to the position change result, so that lawbreakers cannot finish the embezzlement operation of the payment card of the user, and further property safety of the user is protected.

In another exemplary embodiment, when the payment card is used for performing a normal purchasing operation in a store, the location obtaining module may determine that the location change range of the user is small within a first preset time period, so as to generate a corresponding location change result, and the payment card generates payment information for a normal payment based on the location change result representing security, so that a merchant completes the payment operation.

According to an embodiment of the present disclosure, determining whether to generate payment information based on consumption information according to the location change result may include the following operations:

and under the condition that the position change result shows that the position change distance of the payment card in the first preset time period is smaller than a preset distance threshold value, generating payment information by using the consumption terminal module based on the consumption information.

According to the embodiment of the present disclosure, the preset distance threshold is set according to specific situations, and may be set to 1 meter, for example.

According to the embodiment of the disclosure, in the actual life, the user is usually located near the cash desk when purchasing commodities and does not have large position change, so that a smaller preset distance threshold value can be set for the position change of the user when purchasing commodities, and the condition that the user pays a card by a lawbreaker when the user actually walks is avoided.

In an exemplary embodiment, the user is located at a cash register to perform a normal payment environment, where the change of the position of the user is small, and the position obtaining module detects that the distance of the change of the position of the user is smaller than a preset distance threshold, so as to generate corresponding payment information to complete a normal purchase operation.

In another exemplary embodiment, when a user is in a walking process, a lawbreaker uses a payment terminal to steal a payment card of the user, and the position obtaining module detects that the position change distance of the user is greater than a preset distance threshold value in a first preset time period, so that the payment card determines that the user is in an unsafe payment environment, the payment card cannot generate payment information, and property loss of the user is avoided.

Fig. 3 schematically shows a flow diagram for generating payment information according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, the payment card may further include a confirmation key and a fingerprint recognition module, wherein the fingerprint recognition module stores reference fingerprint information in advance.

As shown in fig. 3, generating the payment information using the consumption terminal module based on the consumption information may include operations S310 to S330.

In operation S310, the input fingerprint information of the target user acquired by the fingerprint identification module is compared with the reference fingerprint information to obtain a comparison result.

In operation S320, in a case where the comparison result indicates that the input fingerprint information is consistent with the reference fingerprint information, a confirmation payment operation of the target user with respect to the confirmation key is acquired.

In operation S330, in response to confirming the payment operation, payment information is generated with the consumption terminal module based on the consumption information.

According to the embodiment of the disclosure, before the payment card is issued to the user, a financial institution needs to write standard reference fingerprint information of the user into the payment card in advance, so that when the user completes a purchase operation, the payment card can compare input fingerprint information input by the user at the moment with the reference fingerprint information to determine whether the purchase operator is an actual owner of the payment card, and if it is determined that the purchase operator and the actual owner belong to the same person, the user can press a confirmation key with preset pressing times to confirm whether to pay, so that payment information for deducting money from a merchant is generated. The confirmation key is arranged, so that repeated fee deduction of illegal merchants is avoided, the user can complete payment operation only under the condition of pressing the confirmation key, and the user confirms that payment is completed after pressing the confirmation key, so that property loss of the user is avoided indirectly.

and acquiring the payment times of the payment card in a second preset time period.

And under the condition that the payment times are smaller than the preset times, generating payment information by using the consumption terminal module based on the consumption information.

And sending consumption information to the guardian terminal under the condition that the payment times are greater than the preset times.

And responding to first confirmation information from the guardian terminal, and generating payment information by using the consumption terminal module based on the consumption information, wherein the first confirmation information is determined by the guardian according to the consumption information.

According to an embodiment of the present disclosure, the second preset time period may be set by the guardian or the financial institution according to actual conditions, for example, may be set to 1 hour or 1 day, etc.

According to the embodiments of the present disclosure, considering that the payment card is generally a group of people such as the elderly or the children who need to be monitored, and the group of people has a weak ability to discriminate illegal information, in order to prevent the user from being confused by a lawless person and induce the user to purchase goods many times, the payment number of the payment card may be set, for example, the preset number may be set such that the payment card can only purchase goods 5 times within one day.

According to the embodiment of the disclosure, when a user purchases a commodity by using the payment card, the payment card needs to judge whether the payment times of the payment card within a second preset time exceed the preset times, and if not, the payment card can be used for normal payment operation. If the number of times exceeds the preset number, the user also wants to purchase the commodity, the payment card sends the consumption information of the commodity purchased at the moment to the guardian terminal, and the guardian terminal can judge the consumption information after receiving the consumption information so as to determine whether the user agrees to purchase the commodity. Under the condition that the guardian agrees that the user purchases the commodity, the guardian sends first confirmation information representing agreement on payment to the payment card through the guardian terminal, and then the payment card generates payment information for purchasing the commodity.

According to the embodiment of the disclosure, if the guardian does not agree with the user to purchase the commodity, the guardian terminal can send the first confirmation information representing that the commodity is not agreed with the purchase, and the payment card refuses to generate the payment information under the condition of receiving the first confirmation information, so that the condition that the user purchases unnecessary commodities due to being tricked by lawbreakers is avoided.

and sending the consumption information to the guardian terminal under the condition that the consumption amount of the consumption information is larger than the preset limit.

And responding to second confirmation information from the guardian terminal, and generating payment information by using the consumption terminal module based on the consumption information, wherein the second confirmation information is determined by the guardian according to the consumption information.

According to the embodiment of the disclosure, in order to avoid the situation that a user with poor judgment ability purchases a commodity with a large amount of money under the induction of a sales promoter, so that property loss is caused, a guardian can set a preset amount for a payment card, and under the situation that the consumption amount of the commodity purchased by the user is larger than the preset amount, the user can complete the purchase only by the consent of the guardian, so that the property safety of the user or the guardian is guaranteed.

In an exemplary embodiment, when a user wants to purchase a commodity under the condition of self intention, because the consumption amount of the commodity exceeds a preset amount set by a guardian, at the moment, a payment card sends consumption information of the commodity to a guardian terminal through a server, the guardian judges the consumption information after receiving the consumption information, and under the condition that the guardian agrees that the user purchases the commodity, the guardian sends second confirmation information representing agreement to purchase the commodity to the payment card through the guardian terminal, and the payment card generates payment information under the condition that the payment card receives the second confirmation information, so that the commodity is purchased. If the guardian does not agree with the purchase, the guardian can send second confirmation information representing that the purchase is not agreed with through the guardian terminal, so that the payment card refuses to generate payment information according to the second confirmation information, and the condition that the user purchases unnecessary commodities considered by the guardian is avoided.

According to embodiments of the present disclosure, a payment card may include initial balance information.

According to an embodiment of the present disclosure, generating payment information by using the consumption terminal module based on the consumption information may include the following operations:

and reading the initial balance information of the payment card by using the consumption terminal module.

And generating payment information by using the consumption terminal module under the condition that the initial balance information is greater than or equal to the consumption information.

In an exemplary embodiment, the guardian may pre-credit a certain amount in a payment card, which may display initial balance information in the corresponding account.

According to the embodiment of the disclosure, when a user purchases a commodity, if the consumption information of the commodity does not exceed the initial balance information of the payment card, the payment card is characterized to have the amount of money for paying the commodity, so that the consumption terminal module is utilized to generate the payment information for paying the commodity.

According to the embodiment of the disclosure, after the user purchases the commodity, the payment card may generate new initial balance information according to the initial balance information and the consumption information of the commodity.

According to an embodiment of the present disclosure, generating payment information by using the consumption terminal module based on the consumption information may further include:

and under the condition that the initial balance information is less than the consumption information, displaying transaction failure information by using a display module.

According to the embodiment of the disclosure, when a user purchases a commodity, if the consumption information of the commodity exceeds the initial balance information in the payment card, the fact that the amount of money in the payment card is not enough to pay the commodity is represented, at the moment, the payment card can display transaction failure information through the display module to remind the user that payment cannot be completed, and meanwhile, the payment card does not generate payment information.

According to an embodiment of the present disclosure, the information processing method may further include the operations of:

and displaying the initial balance information of the payment card by using a display module.

And under the condition that the payment operation is completed, displaying target balance information by using a display module, wherein the target balance information is determined according to the initial balance information and the payment information.

According to an embodiment of the present disclosure, the target balance information may refer to balance information remaining after the payment card deducts consumption information of the commodity.

According to the embodiment of the disclosure, in the case of completing the payment operation, uploading the payment information to the server by using the management background module may include the following operations:

and uploading the payment information to the server by using the management background module under the condition that the payment card is in communication connection with the server.

And under the condition that the payment card is disconnected from the server in communication, the management background module is used for storing the payment information, so that the management background module uploads the stored payment information to the server when the payment card is in communication with the server.

According to the embodiment of the disclosure, under the condition that the payment card is in communication connection with the server, after the user completes the purchase of the commodity, the payment card can upload the payment information corresponding to the commodity to the server, and the server transmits the payment information to the guardian terminal, so that the guardian can know whether the user purchases the commodity in real time.

According to the embodiment of the disclosure, under the condition that the payment card is disconnected from the server in communication, the payment card cannot transmit the payment information to the server in time, and at the moment, the payment information can be stored by using the memory built in the management background module, so that the payment information is sent to the server when the payment card and the server are recovered in communication.

Based on the information processing method, the disclosure also provides a payment card. The payment card will be described in detail below with reference to fig. 4 to 7.

Fig. 4 schematically shows a block diagram of a payment card according to an embodiment of the present disclosure.

As shown in fig. 4, the payment card 400 of this embodiment may include a card body 410, a controller 420, a display module 430, a consumption terminal module 440, and a management back office module 450.

The card body 410 may include a communication module for acquiring a request to be paid by a payment terminal.

And the controller 420 is connected with the communication module and used for generating consumption information according to the request to be paid.

And a display module 430 for displaying the consumption information.

And the consumption terminal module 440 is configured to generate payment information based on the consumption information, so that the payment terminal completes a payment operation corresponding to the request to be paid according to the payment information.

The management background module 450 is configured to upload the payment information to the server when the payment operation is completed, so that the server transmits the payment information to the guardian terminal.

According to the embodiment of the disclosure, the user can directly know the consumption information needing payment by responding to the request to be paid, and after the payment card 400 generates the corresponding payment request and the payment terminal completes the payment operation by using the payment information, the payment information can be transmitted to the guardian terminal through the server, so that the guardian can know the actual consumption condition of the user in time, the loss of money of the user caused by deception of the user by a bad merchant is avoided, and the safety of the user in consumption is improved.

Fig. 5 schematically shows a block diagram of a payment card 400 according to another embodiment of the present disclosure.

As shown in fig. 5, the payment card 400 may also include a location acquisition module 460.

The position obtaining module 460 is configured to determine a result of the position change of the payment card 400 within a first preset time period. And the consumption terminal module is also used for determining whether to generate payment information based on the consumption information according to the position change result.

According to an embodiment of the present disclosure, the payment card 400 may further include a power supply module 470, a fingerprint recognition module 480, and a confirmation key 490.

The power supply module 470 provides power to the payment card 400.

The fingerprint identification module 480 is configured to compare input fingerprint information of the input target user with reference fingerprint information to obtain a comparison result.

And a confirm key 490 for the target user to complete the payment operation by clicking the confirm key in case that the comparison result indicates that the input fingerprint information is identical to the reference fingerprint information.

Fig. 6 schematically illustrates a side view of a payment card 400 according to an embodiment of the disclosure.

As shown in fig. 6, the payment card 400 may also include a speaker 411 and/or a reset button 412.

And the loudspeaker 411 is used for broadcasting consumption information and/or transaction state information according to payment operation, wherein the transaction state information can comprise transaction success information or transaction failure information.

A reset button 412 for restarting the payment card 400.

As shown in fig. 5 and 6, the power supply module 470 may include a battery and a photoelectric conversion device and/or a charging port 413.

The photoelectric conversion device is used for converting light energy into electric energy and storing the electric energy in the storage battery.

The charging port 413 is used to charge the battery.

According to an embodiment of the present disclosure, a photoelectric conversion apparatus may include a photoelectric conversion coating and a photoelectric conversion module. And a photoelectric conversion coating layer disposed on a surface of the payment card 400. And a photoelectric conversion module disposed in the payment card 400, for converting the light energy received by the photoelectric conversion coating into electric energy.

According to an embodiment of the present disclosure, the electric energy supply module 470 may further include a kinetic energy conversion module.

The kinetic energy conversion module is connected with the storage battery and is used for converting the vibration capability of the payment card 400 into electric energy.

Fig. 7 schematically illustrates an electrical connection schematic of a payment card 400 according to an embodiment of the present disclosure.

As shown in fig. 7, the electric energy supply module 470 of the payment card 400 may provide electric power support for the payment card 400, the communication module may obtain a request to be paid by the payment terminal, the consumption terminal module 440 generates payment information based on the consumption information, after the payment terminal completes a payment operation, the speaker 411 may broadcast the transaction information, and the management background module 450 uploads the payment information to the server through the communication module, so that the server transmits the payment information to the guardian terminal.

As shown in fig. 8, an electronic device 800 according to an embodiment of the present disclosure includes a processor 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. The processor 801 may include, for example, a general purpose microprocessor (e.g., CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., application Specific Integrated Circuit (ASIC)), among others. The processor 801 may also include onboard memory for caching purposes. The processor 801 may include a single processing unit or multiple processing units for performing different actions of the method flows according to embodiments of the present disclosure.

In the RAM 803, various programs and data necessary for the operation of the electronic apparatus 800 are stored. The processor 801, the ROM802, and the RAM 803 are connected to each other by a bus 804. The processor 801 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM802 and/or RAM 803. Note that the programs may also be stored in one or more memories other than the ROM802 and the RAM 803. The processor 801 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 800 may also include input/output (I/O) interface 805, input/output (I/O) interface 805 also connected to bus 804, according to an embodiment of the present disclosure. Electronic device 800 may also include one or more of the following components connected to I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: 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), 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 disclosure, 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. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM802 and/or RAM 803 described above and/or one or more memories other than the ROM802 and RAM 803.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the item recommendation method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 801. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted in the form of a signal on a network medium, distributed, downloaded and installed via communication section 809, and/or installed from removable media 811. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program, when executed by the processor 801, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In situations involving remote computing devices, the remote computing devices may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to external computing devices (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

It will be appreciated by a person skilled in the art that various combinations or/and combinations of features recited in the various embodiments of the disclosure and/or in the claims may be made, even if such combinations or combinations are not explicitly recited in the disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments of the present disclosure and/or the claims may be made without departing from the spirit and teachings of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure are described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. An information processing method is applied to a payment card, the payment card comprises a consumption terminal module, a display module and a management background module, and the method comprises the following steps:

responding to a request to be paid from a payment terminal, and displaying consumption information associated with the request to be paid by utilizing the display module;

and under the condition that the payment operation is finished, uploading the payment information to a server by using the management background module so that the server transmits the payment information to a guardian terminal.

2. The method of claim 1, the payment card further comprising a location acquisition module;

wherein, before generating the payment information, further comprising:

3. The method of claim 2, wherein the determining whether to generate the payment information based on the consumption information as a function of the location change result comprises:

under the condition that the position change result shows that the position change distance of the payment card in the first preset time period is smaller than a preset distance threshold value, generating the payment information by using the consumption terminal module based on the consumption information;

4. The method according to any one of claims 1 to 3, wherein the payment card further comprises a confirmation key and a fingerprint identification module, wherein the fingerprint identification module stores reference fingerprint information in advance;

wherein the generating payment information with the consumption terminal module based on the consumption information comprises:

under the condition that the comparison result shows that the input fingerprint information is consistent with the reference fingerprint information, obtaining the payment confirmation operation of the target user for the confirmation key;

and generating payment information by utilizing the consumption terminal module based on the consumption information in response to the payment confirmation operation.

5. The method of any of claims 1-3, wherein prior to generating the payment information, further comprising:

acquiring the payment times of the payment card in a second preset time period;

under the condition that the payment times are smaller than the preset times, generating the payment information by utilizing the consumption terminal module based on the consumption information;

and/or

Sending the consumption information to the guardian terminal under the condition that the consumption amount of the consumption information is larger than a preset amount;

6. The method of claim 1, wherein the payment card includes initial balance information;

the generating payment information by the consumption terminal module based on the consumption information comprises:

and generating the payment information by using the consumption terminal module under the condition that the initial balance information is greater than or equal to the consumption information.

7. The method of claim 6, wherein the generating payment information with the consumption terminal module based on the consumption information further comprises:

8. The method of claim 6 or 7, further comprising:

and under the condition that the payment operation is completed, displaying target balance information by using the display module, wherein the target balance information is determined according to the initial balance information and the payment information.

9. The method of claim 1, wherein uploading the payment information to a server with the management back-office module upon completion of the payment operation comprises:

under the condition that the payment card is disconnected from the server in communication, the management background module is used for storing the payment information, so that when the payment card is in communication connection with the server, the management background module uploads the stored payment information to the server.

10. A payment card, comprising:

the display module is used for displaying the consumption information;

11. The payment card as recited in claim 10, wherein the payment card further comprises:

the consumption terminal module is further used for determining whether to generate the payment information based on the consumption information according to the position change result.

12. The payment card of claim 10, further comprising:

A confirmation key, configured to, when the comparison result indicates that the input fingerprint information is consistent with the reference fingerprint information, the target user completes the payment operation by clicking the confirmation key;

and/or

And the reset key is used for restarting the payment card.

13. The payment card of claim 12, wherein the power supply module comprises:

a storage battery;

the photoelectric conversion device is used for converting light energy into electric energy and storing the electric energy in the storage battery; and/or

And the charging port is used for charging the storage battery.

14. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method according to any one of claims 1 to 9.

15. A computer program product comprising a computer program which, when executed by a processor, implements the method according to any one of claims 1 to 9.