CN116993343A

CN116993343A - Payment method, device, electronic equipment and readable medium

Info

Publication number: CN116993343A
Application number: CN202211107246.XA
Authority: CN
Inventors: 王少鸣; 郭润增
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2022-09-09
Filing date: 2022-09-09
Publication date: 2023-11-03

Abstract

Based on the technical problems, the application provides a payment method, a payment device, electronic equipment and a readable medium. The method comprises the following steps: acquiring payment credential information and a target merchant identifier, wherein the payment credential information is used for identifying biometric information corresponding to a payment account; account verification is carried out according to the payment voucher information to obtain account information corresponding to the payment voucher information, the account information is associated with at least one collection commodity list, and each collection commodity list is associated with a merchant identification; acquiring a target collection commodity list associated with a target merchant identification from at least one collection commodity list; and carrying out payment operation according to the target collection commodity list. The method can reduce the time required for inputting the commodity, shorten the transaction process and improve the transaction efficiency and the user experience.

Description

Payment method, device, electronic equipment and readable medium

Technical Field

The present application relates to the field of robots, and in particular, to a payment method, apparatus, electronic device, and readable medium.

Background

With the development of mobile payment, recognition payment methods based on information such as face, fingerprint or palmprint are becoming popular. Through the identification payment modes, the payment confirmation and verification process can be completed through one interactive operation.

Currently, in a transaction process based on such a payment identification manner, a user or a business person inputs a commodity to be purchased into a shopping list, and then verifies and confirms the payment by identifying the payment, thereby completing the payment transaction process.

However, in the related art, each process of inputting the commodity takes a long time, which prolongs the whole process of the transaction, resulting in low transaction efficiency and poor user experience.

Disclosure of Invention

Based on the technical problems, the application provides a payment method, a payment device, electronic equipment and a readable medium, so that the time required for inputting commodities is reduced, the transaction process is shortened, and the transaction efficiency and the user experience are improved.

Other features and advantages of the application will be apparent from the following detailed description, or may be learned by the practice of the application.

According to an aspect of an embodiment of the present application, there is provided a payment method including:

acquiring payment credential information and a target merchant identifier, wherein the payment credential information is used for identifying biometric information corresponding to a payment account;

account verification is carried out according to the payment credential information to obtain account information corresponding to the payment credential information, the account information is associated with at least one collection commodity list, and each collection commodity list is associated with a merchant identification;

Acquiring a target collection commodity list associated with the target merchant identification from the at least one collection commodity list;

and carrying out payment operation according to the target collection commodity list.

According to an aspect of an embodiment of the present application, there is provided a payment apparatus including:

the information acquisition module is used for acquiring payment credential information and target merchant identification, wherein the payment credential information is used for identifying biometric information corresponding to a payment account;

the account verification module is used for carrying out account verification according to the payment credential information to obtain account information corresponding to the payment credential information, the account information is associated with at least one collection commodity list, and each collection commodity list is associated with a merchant identification;

a list acquisition module, configured to acquire a target favorite list associated with the target merchant identification from the at least one favorite list;

and the payment operation module is used for performing payment operation according to the target collection commodity list.

In one embodiment of the present application, based on the above technical solution, the payment operation module includes:

the commodity list display unit is used for displaying the target collection commodity list;

And the confirming payment unit is used for responding to the confirming operation aiming at the target collection commodity list and carrying out payment operation on the commodities in the target collection commodity list.

In one embodiment of the present application, based on the above technical solution, the biometric information is face information; the commodity list display unit includes:

a payment portal display subunit, configured to display a favorite commodity payment portal if the payment credential information is facial information;

and the list display subunit is used for displaying the target collection commodity list in response to the confirmation operation of the collection commodity payment inlet.

In an embodiment of the present application, based on the above technical solution, the payment device further includes:

the input information display module is used for displaying input commodity prompt information if the account information does not contain a target collection commodity list associated with the target merchant identification;

the result display module is used for receiving the input commodity list and carrying out payment operation according to the input commodity list to obtain and display a payment result page;

the association prompt display module is used for displaying a collection association prompt aiming at the input commodity list in the payment result page;

And the list establishing module is used for responding to the association confirmation operation aiming at the collection association prompt and establishing a collection commodity list associated with the target merchant identification in the account information according to the input commodity list.

In one embodiment of the present application, based on the above technical solution, the target merchant identifier includes a store identifier and a brand identifier; the association prompt display module comprises:

the commodity display unit is used for displaying commodities in the input commodity list and at least one of a store identification association prompt and a brand identification association prompt corresponding to each commodity in the payment result page;

the list establishing module comprises:

a list generating unit, configured to generate, in response to an association confirmation operation for the favorite association prompt, the favorite commodity list according to an operation result of at least one association prompt of the store identification association prompt and the brand identification association prompt, where the favorite commodity list includes an association relationship between a commodity and at least one of the store identification and the brand identification;

and the list storage unit is used for establishing the association relation between the collection commodity list and the account information.

In one embodiment of the present application, based on the above technical solution, the favorite goods list includes at least one of a store favorite goods list and a brand favorite goods list; the list generation unit includes:

a result obtaining subunit, configured to obtain a selection result of the payment result page for at least one association hint of the store identifier association hint and the brand identifier association hint;

the store list generation subunit is used for establishing an association relation between corresponding commodities and the store identifier if a selection result of the store identifier association prompt exists, so as to obtain the store collection commodity list;

and the brand list generation subunit is used for establishing the association relation between the corresponding commodity and the brand mark if the selection result of the brand mark association prompt exists, so as to obtain the brand collection commodity list.

In one embodiment of the present application, based on the above technical solution, the list obtaining module includes:

a list obtaining subunit, configured to obtain, from the account information, at least one of a store-collected commodity list associated with the store identifier and a brand-collected commodity list associated with the brand identifier;

And the list merging subunit is used for merging the goods in the store collection goods list with the goods in the brand collection goods list to obtain the target collection goods list if the store collection goods list and the brand collection goods list are obtained.

the updating information receiving module is used for receiving the commodity identification and commodity updating information associated with the commodity identification;

the account information acquisition module is used for acquiring account information corresponding to a collection commodity list containing the commodity identification according to the commodity identification;

and the update message sending module is used for sending commodity update messages to the payment account according to the account information, wherein the commodity update messages comprise the commodity update information.

In one embodiment of the present application, based on the above technical solution, the account verification module includes:

the information identification unit is used for carrying out information identification according to the payment credential information to obtain a target payment credential, the target payment credential corresponds to the payment account, the payment account comprises an information authorization rule, a plurality of account data and at least one commodity collection list, and the information authorization rule is used for indicating account data authorized to be used in the plurality of account data according to the payment credential;

The account data acquisition unit is used for acquiring target account data authorized to be used by the target payment certificate according to the information authorization rule and the target payment certificate;

and the information determining unit is used for determining at least one favorite commodity list of the payment account and the target account data as account information.

the account login module is used for logging in a payment account corresponding to the target payment credential according to the account identifier and the target payment credential;

a payment operations module, comprising:

and the payment settlement unit is used for carrying out payment settlement on the commodities in the target collection commodity list according to the account balance in the payment account.

In an embodiment of the present application, based on the above technical solution, the biometric information is palmprint information, the target payment credential is first palmprint data, and the account data further includes payment information; the payment settlement unit includes:

a prompt display sub-unit, configured to display a payment prompt to obtain second palmprint data if an account balance in the payment account does not meet a settlement condition of the commodity in the target collection commodity list, where the second palmprint data and the first palmprint data correspond to different palmprint data of the same payment account;

The account verification subunit is used for carrying out account verification according to the acquired second palmprint data and acquiring payment information corresponding to the second palmprint data according to an account verification result;

and the settlement subunit is used for carrying out payment settlement on the commodities in the target collection commodity list according to the payment information.

In one embodiment of the present application, based on the above technical solution, the payment account includes a plurality of information authorization rules, each information authorization rule corresponding to one payment scenario; the payment device further includes:

the merchant type determining module is used for determining the merchant type of the target merchant and the membership of the payment account in the target merchant according to the payment account and the target merchant identification;

the scene determining module is used for determining the current payment scene according to the merchant type and the membership;

and the rule acquisition module is used for acquiring the information authorization rule corresponding to the current payment scene from the plurality of information authorization rules.

According to an aspect of an embodiment of the present application, there is provided an electronic apparatus including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to perform the payment method as in the above claims via execution of the executable instructions.

According to an aspect of the embodiments of the present application, there is provided a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements a payment method as in the above technical solutions.

According to an aspect of embodiments of the present application, there is provided a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to perform the payment methods provided in the various alternative implementations described above.

In the embodiment of the application, when the consumer consumes, the payment device can acquire the collection commodity list aiming at the merchant in the payment account according to the payment credential information provided by the consumer, and performs payment operation according to the collection commodity list, so that the inputting process of commodities in the collection commodity list can be omitted in the payment process, the time required for inputting the commodities can be reduced, the transaction process is shortened, and the transaction efficiency and the user experience are improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the application as claimed.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application. It is evident that the drawings in the following description are only some embodiments of the present application and that other drawings may be obtained from these drawings without inventive effort for a person of ordinary skill in the art.

In the drawings:

FIG. 1 is a system architecture diagram of an embodiment of the present application in an application scenario;

FIG. 2 is a schematic block diagram of a payment system in an embodiment of the present application;

FIG. 3 is a schematic flow chart of the overall flow of a payment method in an embodiment of the application;

FIG. 4 is a schematic flow chart of a payment method in an embodiment of the application;

FIG. 5 is a schematic diagram of a display page of a target favorite commodity list in an embodiment of the present application;

FIG. 6 is a schematic diagram of a collection management hint display page in an embodiment of the present application;

FIG. 7 is a schematic flow chart diagram of a complete embodiment of an embodiment of the present application;

FIG. 8 is a schematic block diagram of a payment system in an embodiment of the present application;

FIG. 9 is a schematic flow chart diagram of a complete embodiment of an embodiment of the present application;

FIG. 10 schematically shows a block diagram of the components of a payment device in an embodiment of the application;

fig. 11 shows a schematic diagram of a computer system suitable for use in implementing an embodiment of the application.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. However, the exemplary embodiments may be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the example embodiments to those skilled in the art.

Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the application. One skilled in the relevant art will recognize, however, that the application may be practiced without one or more of the specific details, or with other methods, components, devices, steps, etc. In other instances, well-known methods, devices, implementations, or operations are not shown or described in detail to avoid obscuring aspects of the application.

The block diagrams depicted in the figures are merely functional entities and do not necessarily correspond to physically separate entities. That is, the functional entities may be implemented in software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.

The flow diagrams depicted in the figures are exemplary only, and do not necessarily include all of the elements and operations/steps, nor must they be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the order of actual execution may be changed according to actual situations.

It will be appreciated that the inventive arrangements may be applied to a mobile payment scenario, and in particular in a payment scenario where items are often purchased and purchased individually. In such a scenario, the scheme of the present application may be applied to payment settlement terminals of various stores, or to support mobile terminals. These terminals are generally provided with biometric technologies such as facial recognition and palm print recognition. Taking a payment settlement terminal of a store as an example, by applying the scheme of the application, a consumer can create a corresponding favorite commodity list for the store or a merchant of the store. When a consumer needs to purchase goods, if the shopper collects the goods frequently purchased in the storefront, the payment settlement terminal directly adds the goods in the goods collection list into the goods purchase list after determining the identity of the consumer according to facial recognition or palm print recognition, so that the goods do not need to be input into the goods purchase list one by one in the purchase process, the time for inputting the goods and the waiting time of the consumer are saved, and the overall efficiency and user experience of the payment process are improved.

Fig. 1 is a system architecture diagram of an embodiment of the present application in an application scenario. As shown in fig. 1, the application scenario includes a mobile terminal 110, a payment terminal 120, and a server 130. The mobile terminal 110 is a consumer-held mobile device, such as a cell phone or tablet computer. In the scheme of the present application, the consumer may perform, for example, replacement, addition, deletion, etc. on the goods in the collected goods list through the application program installed on the mobile terminal 110, and receive the related notification about the goods, for example, the related notification about the change of goods, the change of price, etc., sent by the server 130. The payment terminal 120 is typically a payment settlement device held by a merchant and placed in a store. When the consumer settles the consumption, the consumer settles the purchased commodity through the payment terminal 120. The payment terminal 120 generally has an acquisition module, a display module and a communication module, wherein the acquisition module acquires corresponding biological characteristics (such as palmprint or face) of the consumer according to a verification mode configured in the payment terminal 120, the display module is used for displaying various information and interactive interfaces of the consumption process to the consumer, and the communication module is used for communicating with the server 130 to perform authentication, payment and other processes and obtain corresponding data. The server 130 is used to support the operation of the payment terminal 120, such as providing the payment terminal 120 with corresponding account data and a list of favorite goods according to the biometric feature provided by the payment terminal 120, and settling the payment according to the request of the payment terminal 120. Server 130 may also communicate with mobile terminal 110 to send corresponding notifications.

The server 130 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or may be a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN (Content Delivery Network ), and basic cloud computing services such as big data and an artificial intelligence platform, which are not limited herein. The server 130 may be combined from a plurality of servers, and each server is configured to perform a separate function.

The mobile terminal 110 includes, but is not limited to, a mobile phone, a computer, an intelligent voice interaction device, an intelligent home appliance, or a vehicle-mounted terminal. The mobile terminal 110, the payment terminal 120, and the server 130 may be directly or indirectly connected through wired or wireless communication, and the present application is not limited herein. The number of mobile terminals, payment terminals and servers is also not limited. The related processing of the mobile terminal, the payment terminal and the server can be realized through cloud technology or artificial intelligence and the like.

Artificial intelligence (Artificial Intelligence, AI) is the theory, method, technique and application system that uses a digital computer or a machine controlled by a digital computer to simulate, extend and extend human intelligence, sense the environment, acquire knowledge and use the knowledge to obtain optimal results. In other words, artificial intelligence is an integrated technology of computer science that attempts to understand the essence of intelligence and to produce a new intelligent machine that can react in a similar way to human intelligence. Artificial intelligence, i.e. research on design principles and implementation methods of various intelligent machines, enables the machines to have functions of sensing, reasoning and decision. In the scheme of the application, the biological characteristic identification process can be performed by adopting the related technology of artificial intelligence.

Specifically, the specific structure of each device in the embodiment of the present application may refer to fig. 2. Fig. 2 is a schematic block diagram of a payment system in an embodiment of the present application. As shown in fig. 2, the payment system includes a cell phone end 210, a payment device 220, and a backend service 230. The payment device 220 is provided with a face brushing application, which comprises a palm face acquisition module, a first screen module, a collection module and a result page module. The payment device 220 also contains a 3D camera for collecting data of a face or palm. The palm face acquisition module is used for calling the 3D camera to acquire the current face streaming media data of the user. After the payment device 220 obtains the streaming media, it will filter for the streaming media. And screening to comprehensively evaluate and select the optimal face picture through the face size, face angle, image contrast, brightness, definition and other coefficient indexes, and then sending the picture to a back-end service for face recognition. The first screen module is used for controlling buttons of the first screen according to the identification result, such as the identity state, the collection state and the like. The collection module is used for further pulling the collection information of the current consumer after the identity of the consumer is identified, the back end can execute rule filtering set by the consumer such as store, merchant and the like, the filtered result can be displayed in the module, and the consumer directly initiates payment after selecting related commodities. The result page module is used for displaying current payment result information. If the consumer does not have a collection related merchandise, an entry for the "decorrelation quick brush palm pay" button is presented. After clicking the entrance, the consumer jumps to the association interface, and the user is reminded to associate the information release channel of the merchant in the link during association so as to inform the information when the price of the subsequent commodity changes.

The back-end services 230 mainly include a palm face recognition service, a basic account service, a payment service, a merchant ERP service, and the like. The palm face recognition service is configured to receive the palm face data uploaded from the payment device 220, extract features of the current image, compare the features with features in the database, find feature data with highest score, and compare the related face data with a face of the back-end database. The basic account service is used for calling the service to acquire the identity information of the current consumer after the palm face identification is successful. The payment services include a merchant management service and an account collection association management service. The merchant management service is used for managing payment merchant side related information. The account collection association management service core provides the function of user association commodity bound by the current payment account. The back-end service 230, after identifying the current account, further retrieves all relevant information of the current account, and filters the relevant information in combination with the previous relevant conditions of the consumer (such as merchant association, or store association), etc., and the data is sent to the payment device 220 after the filtering. The merchant ERP service is used for managing the service of goods. After the merchant adjusts the price of the related commodity, the merchant can send a message to inform the mobile phone end of the user, and after the user receives the message, the user can jump to the corresponding collection management applet to perform related adjustment of the collection commodity, such as deletion and the like. The cell phone 210 will send a message and the consumer will jump to the collection management applet after clicking the message. In the applet, the consumer can perform information inquiry of the collected commodity or related operations such as removing the commodity.

The scheme of the application can be applied to the payment settlement process of commodity purchase by the consumer in the application scene, in particular to the scene that the consumer repeatedly purchases the same commodity in multiple consumption. The following describes the technical scheme provided by the application in detail by combining the specific embodiments.

The following describes the overall flow of the payment method in the embodiment of the present application. For convenience of description, referring to fig. 3, fig. 3 is a schematic flow chart of the overall flow of the payment method in the embodiment of the application. As shown in fig. 3, the overall flow of the payment method is mainly directed to face-brushing payment and palm-brushing payment. Wherein the face payment is representative of a payment style that cannot represent consumer intent. The payment credentials of such payments cannot represent consumer will due to the possibility of misjudgement, for example, for face-swipe payments, the consumer may be just in the acquisition range of the acquisition module, and for other gesture or action verification, the consumer may also make corresponding gestures and actions due to coincidence. The payment device may not be able to directly confirm whether the consumer has a subjective intention to consume, even if it obtains the corresponding payment credentials. The palm payment is taken as a representative of the payment mode which can represent the willingness of the consumer. Such payment credentials, as they are no longer conventionally collected, represent consumer intent, and actions such as opening the palm and approaching the collection device are typically not misoperations. Thus, the flow range of the payment method is a face-brushing payment flow and a palm-brushing payment flow. In the face-brushing payment process, in step 301, when the face approaches the face-brushing device, face image acquisition is performed, and then face recognition is performed in step 302. Based on the results of the face recognition, the identity of the current consumer and whether there is a corresponding collection are confirmed in step 303, and if so, a quick swipe pay button is displayed in step 304. When the consumer clicks on this button, the favorite merchandise information is displayed in step 305 and payment is confirmed directly in step 306. If identity cannot be confirmed or there is no collection, a conventional swipe payment button is presented in step 307 and the merchandise is entered and paid in step 308. Finally, in step 309, the consumer is confirmed with the associated collection of items to be entered. If the consumer confirms the collection, then the collection of merchandise is confirmed in step 310 and the association with the store or with the merchant is saved.

As shown in fig. 3, the process of swipe payment is substantially similar to the process of swipe payment. Wherein, in step 311, when the palm of the consumer approaches the palm brushing device, a palm image is acquired, and palm recognition is performed in step 312. In step 313, the identity of the consumer and whether the stored commodity exists are confirmed according to the palm recognition result. The main difference is that there is no need to show a payment button for confirmation after confirmation of identity and presence of a collection and in case of failure to confirm identity or no collection. For the condition of identity confirmation and collection, the method directly enters the step of displaying the information of the collected goods, and for the condition of identity confirmation or no collection, the method directly enters the goods input process and payment step. The two subsequent steps are identical, and are not described in detail herein.

For convenience of description, referring to fig. 4, fig. 4 is a schematic flowchart of a payment method according to an embodiment of the present application. The method can be applied to the payment terminal. In the embodiment of the present application, a payment method is introduced by using a payment terminal as an execution subject, and the payment method may include the following steps S410 to S440:

Step S410, obtaining payment credential information and a target merchant identifier, wherein the payment credential information is used for identifying biometric information corresponding to a payment account.

Specifically, the payment credential information is typically biometric information collected by the payment terminal through the collection device, such as a palmprint picture or a facial picture. Each payment credential information will typically correspond to a unique payment account. Triggering of payment credential information collection is typically triggered by consumer interaction with the payment terminal, such as the consumer showing the palm to the collection device of the payment terminal or exposing the face to a face camera of the payment terminal, etc. The target merchant identification is an identification for distinguishing merchants. The target merchant identification may correspond to a particular store or merchant brand, e.g., for a chain of stores, each store has its own identification, while for the entire chain there is a corresponding identification.

Step S420, performing account verification according to the payment credential information to obtain account information corresponding to the payment credential information, where the account information is associated with at least one favorite commodity list, and each favorite commodity list is associated with a merchant identifier.

In this embodiment, the payment device performs account verification according to the obtained payment credential information, so as to determine account information corresponding to the payment credential information. For example, the payment device may obtain login information of the corresponding payment account by using the payment credential information, and then obtain account information of the payment account by using the login information. It will be appreciated that since account verification has been performed by the payment credential information, the payment device may be logged directly into the payment account without the need for an additional verification process. The account information typically contains information related to the settlement of the payment and at least one list of the favorite goods, and each list of the favorite goods is associated with a merchant identification. The collection commodity list comprises commodities collected by a consumer aiming at the merchant. These items are typically items that a user may repeatedly purchase or want to purchase.

Step S430, obtaining a target collection commodity list associated with the target merchant identification from the at least one collection commodity list.

The payment device obtains a target favorite commodity list associated with the target merchant identification from at least one favorite commodity list associated with the account information according to the target merchant identification obtained before. The target collection list contains items that the consumer has previously collected for the merchant or store, typically items that were purchased multiple times at the merchant or store.

In one embodiment, the merchant identification may be an information point corresponding to the merchant, and the list of favorite items is associated with the information point. After account verification is carried out according to the payment credential information, the payment device can determine the information point closest to the payment device according to the positioning information of the payment device, and the information point is used for acquiring the commodity collection list associated with the information point and corresponding to the payment credential information, so that the consumer is allowed to set different commodity collection lists at merchants at different places. Particularly, when the payment device is deployed on the mobile terminal of the consumer, the information point of the merchant closest to the mobile terminal can be searched in the map according to the positioning information of the mobile terminal, and then the favorite commodity list bound with the information point of the consumer is obtained according to the information point. Specifically, in this embodiment, the payment device may not acquire account information, but may query, after the account verification is passed, a target commodity collection list corresponding to the account identifier from the commodity collection lists bound to the information points according to the information points obtained by positioning and according to the account identifier.

And step S440, performing payment operation according to the target collection commodity list.

The payment device performs a payment operation according to the acquired target favorite commodity list. Specifically, the payment device adds all the commodities in the target collection commodity list to the commodity list to be paid. The list of items to be paid is a list of items that the consumer is to purchase in the current consumption, which may already contain a portion of the entered items, which are typically items not in the target collection list of items. In one embodiment, the payment device displays the commodity in the target collection commodity list and the commodity in the commodity list to be paid to the consumer, and the consumer confirms the commodity and then performs payment settlement according to the payment information in the account information. In another embodiment, the items in the target collection list of items may be directly settled, such as by directly performing the settlement process without confirmation according to settlement rules that the consumer has previously agreed and authorized.

In one embodiment of the present application, based on the above technical solution, the biometric information is facial information; the step S440 of performing payment operations according to the target collection commodity list specifically includes the following steps:

displaying the target collection commodity list;

and responding to the confirmation operation aiming at the target collection commodity list, and carrying out payment operation on the commodities in the target collection commodity list.

In this embodiment, the biometric information is facial information, and the payment device will first display the target favorite list when performing the payment operation. That is, when a consumer pays for a face, the consumer is first required to confirm that the face-brushing payment function is activated in order to confirm the consumer's willingness to pay. For convenience of description, referring to fig. 5, fig. 5 is a schematic diagram of a display page of a target favorite commodity list according to an embodiment of the present application. As shown in FIG. 5, the target favorite products list may include various products in the list and corresponding purchase information, such as price and number of purchases, on the display interface. In one embodiment, the consumer may add or subtract items to the displayed page or adjust the number of purchases. The display interface of the target collection commodity list also comprises a confirmation button. The consumer may perform a confirmation operation on the target favorite list of goods by clicking or triggering the button. The payment means may perform a payment operation for the items in the target favorite items list in response to the confirmation operation for the target favorite items list. In particular, the payment device may incorporate the displayed collected merchandise with previously entered merchandise for presentation to the user and prompt for confirmation or operation to provide authentication information required for conducting the payment process.

In the embodiment of the application, the target collection commodity list is displayed before payment and the payment is performed in response to the confirmation of the target collection commodity list, so that the situation of incorrect payment caused by non-subjective payment credential information provision can be avoided, and the stability of the scheme is improved.

In one embodiment of the present application, based on the above technical solution, the step of displaying the target collected commodity list specifically includes the following steps:

if the payment voucher information is facial information, displaying a collected commodity payment entrance;

and responding to the confirmation operation of the collected commodity payment inlet, and displaying the target collected commodity list.

In this embodiment, if the payment credential information provided by the consumer is facial information, that is, the payment device performs facial recognition, the favorite commodity payment portal will be displayed first. The payment device is usually in a silent and identified state, i.e. the consumer is not required to actively start the face brushing process by operating, but can start the face information acquisition process to trigger the payment process of the application as long as the consumer directly provides face information to the acquisition module of the payment device, such as aligning the face to a camera. In the case where the payment credential information is facial information, the favorite merchandise payment portal is typically in the form of a button on its presentation page, and may also include another merchandise entry button on the presentation page. When the consumer clicks or triggers a button of the collected commodity payment portal, the payment device displays a target collected commodity list in response to a confirmation operation of the collected commodity payment portal, thereby performing a payment process for the collected commodity. If the consumer activates the commodity entry button, the payment device prompts the consumer to enter the commodity to be purchased and to conduct a subsequent payment process.

In the embodiment of the application, if the payment credential information is the facial information, the collected commodity payment entrance is displayed before the target collected commodity list is displayed, and the target collected commodity list is displayed after the collected commodity payment entrance is confirmed, so that the payment device only displays the collected commodity payment entrance under the condition of meeting the wish of a consumer, the troublesome operation of canceling after the collected commodity list is displayed by mistake is avoided, and the stability of the scheme is facilitated.

In one embodiment of the present application, based on the above technical solution, step S420 performs account verification according to the payment credential information, and after obtaining account information corresponding to the payment credential information, the method of the present application further includes the following steps:

if the account information does not have the target collection commodity list associated with the target merchant identification, displaying and inputting commodity prompt information;

receiving an input commodity list and performing payment operation according to the input commodity list to obtain and display a payment result page;

displaying a collection association prompt for the input commodity list in the payment result page;

and responding to the association confirmation operation aiming at the collection association prompt, and establishing a collection commodity list associated with the target merchant identification in the account information according to the input commodity list.

In this embodiment, if there is no target favorite commodity list associated with the target merchant identification in the account information, for example, the consumer consumes at the current merchant or store for the first time, or does not collect any commodity before, the payment device directly displays and records commodity prompt information. The entered merchandise prompt may be a prompt message presented on a page of the entered merchandise list to prompt the consumer for merchandise to be purchased to enter the payment device. And after receiving the input commodity list, the payment device performs payment operation according to the input commodity list, so that a payment result page is obtained and the payment result is displayed to the consumer. Finally, in the payment result page, a collection association prompt for the input commodity list is displayed. The page contains the commodity purchased by the consumer at the time and a confirmation button for judging whether the commodity is associated with the merchant. The consumer can change the commodity to be collected in the page and carry out association confirmation on the collection association prompt by triggering the corresponding confirmation button. The payment device responds to the association confirmation operation aiming at the collection association prompt, and establishes a collection commodity list associated with the target merchant identification in the account information according to the input commodity list. For example, the payment device may establish a favorite goods list directly from the goods entered in the goods list and the merchant identification of the current merchant, and enter and exit into account information.

In the embodiment of the application, when the collected commodity list does not exist for the merchant, the payment device prompts the consumer to generate the list by adding the recorded commodity into the collected commodity list after inputting the commodity and paying, so that the additional input commodity is not needed when the collected commodity list is created, the creation operation of the collected commodity list is simplified, and the overall execution efficiency of the scheme is improved.

In one embodiment of the present application, based on the above technical solution, the target merchant identifier includes a store identifier and a brand identifier; the step of displaying a collection association prompt aiming at the input commodity list in the payment result page specifically comprises the following steps:

displaying the commodities in the input commodity list and at least one of a store identification association prompt and a brand identification association prompt corresponding to each commodity in the payment result page;

the step of establishing a favorite commodity list associated with the target merchant identification in the account information according to the input commodity list in response to the association confirmation operation aiming at the favorite association prompt, and specifically comprises the following steps of:

Responding to the association confirmation operation aiming at the collection association prompt, and generating a collection commodity list according to the operation result of at least one association prompt of the store identification association prompt and the brand identification association prompt, wherein the collection commodity list comprises the association relation between commodities and at least one identification of the store identification and the brand identification;

and establishing an association relation between the collection commodity list and the account information.

In this embodiment, there are two identifications for each store, namely a store identification and a brand identification. The store identities correspond to respective stores, different stores of the same brand or respective stores of a chain store may have different store identities, but merchants of the same brand have the same brand identity. On the payment results page, for each commodity, an associated prompt, i.e. a corresponding button or option, is presented, whether to associate a store or merchant. For convenience of description, referring to fig. 6, fig. 6 is a schematic page diagram of a collection management prompt display page according to an embodiment of the present application. As shown in fig. 6, in the payment results page, items A, B, C and D entered in the item list are presented, and corresponding buttons or options of the associated store and the associated merchant are set for each item. The consumer may set different associated objects for each commodity. The payment result page also comprises a confirmation button, and the consumer can collect the association prompt to carry out association confirmation operation by clicking or triggering the confirmation button. The payment device generates a list of favorite items based on the selection of the corresponding buttons or options for the associated store and the associated merchant. The generated list of favorite items may include a store identification and a brand identification, and specifically the store identification or brand identification associated with each item. The generated collection commodity list and account information establish an association relationship for subsequent use.

It can be understood that, for the collected commodity list in this embodiment, when the collected commodity needs to be displayed, the payment device searches the account information for the corresponding commodity according to the store identifier and the brand identifier according to the received store identifier and the brand identifier. Typically, the payment device obtains a list of stored goods according to the store identifier and obtains goods associated with the store identifier therefrom, and the payment device obtains one or more lists of stored goods according to the brand identifier and obtains goods associated with the brand identifier therefrom and gathers the goods associated with the store identifier, thereby obtaining a complete list of stored goods.

In the embodiment of the application, when the collected commodity list is created, the consumer is allowed to associate the commodity with the shop identification and the brand identification, so that the effective range of the collected commodity can be controlled, personalized setting is facilitated, and the flexibility of the scheme is improved.

In one embodiment of the present application, based on the above technical solution, the favorite goods list includes at least one of a store favorite goods list and a brand favorite goods list; the step of generating the favorite commodity list according to at least one association prompt in operation results of the store identification association prompt and the brand identification association prompt, specifically comprising the following steps:

Acquiring a selection result of at least one association prompt among the store identification association prompt and the brand identification association prompt in the payment result page;

if a selection result of the store identification association prompt exists, establishing an association relation between the corresponding commodity and the store identification to obtain a store collection commodity list;

if the selection result of the brand identification association prompt exists, an association relation between the corresponding commodity and the brand identification is established, and the brand collection commodity list is obtained.

In the present embodiment, the favorite goods list includes at least one of a store favorite goods list and a brand favorite goods list. When the collection commodity list is generated and updated, the update list corresponding to the object associated with the commodity is generated and updated. Specifically, the payment device may obtain, from the payment results surface, a selection of store identification association cues and brand identification association cues by the consumer. Then, the payment device creates or acquires a store collection commodity list associated with the store identification, and adds the commodity associated with the store identification to the store collection commodity list, thereby establishing an association relationship between the commodity and the store identification. Similarly, for a brand identity, the payment device may create or obtain a brand collection list of items associated with the brand identity, and add the items associated with the brand identity to the brand collection list of items, thereby establishing an association between the items and the brand identity. It will be appreciated that each store collection item list is typically associated with one store identity, each store collection item list is typically associated with one brand identity, and different stores of the same brand may have the same brand identity, so that items in the store collection item list are typically from a particular store and are only applied when a consumer visits the corresponding store, whereas items in the brand collection list may be from multiple stores and may be used when a consumer visits any store of the brand, even though the consumer may not have previously visited the particular store.

In the embodiment of the application, the store and brand collection commodity list and the brand collection commodity list are respectively used for managing commodities associated with the store and the brand, so that the commodities in the collection commodity list are dispersed into each list, and compared with the comprehensively managed collection commodity list, the quantity of the commodities in each list is reduced, the quick searching and positioning during the modification of the commodities in the list are facilitated, the operation difficulty is reduced, and the operation efficiency is improved.

In one embodiment of the present application, based on the above technical solution, the step of obtaining the target favorite list associated with the target merchant identifier from the at least one favorite list specifically includes the following steps:

acquiring at least one commodity list of a store collection commodity list associated with the store identifier and a brand collection commodity list associated with the brand identifier from the at least one collection commodity list;

and if the store collection commodity list and the brand collection commodity list are obtained, combining the commodities in the store collection commodity list with the commodities in the brand collection commodity list to obtain the target collection commodity list.

In this embodiment, the target merchant identifier acquired by the payment device may include a store identifier and a brand identifier. When the target collection commodity list is acquired, the payment device searches a store collection commodity list associated with the store identification and a brand collection commodity list associated with the brand identification from at least one collection commodity list associated with the account information according to the acquired store identification, and combines the commodities in the store collection commodity list with the commodities in the brand collection commodity list, so that the target collection commodity list is obtained. In one embodiment, the target favorite merchandise list may vary depending on different payment credential information. Specifically, each payment account may typically bind a plurality of payment credentials, such as facial information, palm print information for the left and right palms, fingerprint information for the respective fingers, and so forth. The account information may be configured with a correspondence of payment credentials to store identification and brand identification. When acquiring the commodity collection list, acquiring the corresponding store collection commodity list or brand collection commodity list according to the acquired payment certificate and the corresponding store identification or brand. For example, for a store, a consumer binds left palm print information to the store's store identification, and right palm print information to the store's brand identification, and facial information to both the store identification and the brand identification. When the payment device obtains the left palm print information at the time of the payment, only the store collection commodity list is obtained as the target collection commodity list. Similarly, if the payment device acquires right palm print information, only the brand-collected commodity list is acquired as the target-collected commodity list, and if the payment device acquires face information, the two lists are acquired and combined to obtain the target-collected commodity list.

In the embodiment of the application, the corresponding store collection commodity list and the brand collection commodity list are respectively obtained according to the store identification and the brand identification without searching the corresponding commodity from the mixed list, so that the calculated amount when the collection commodity list is obtained is reduced, and the operation efficiency of the payment process is improved.

A complete embodiment of the above scheme is described below. Referring to fig. 7, fig. 7 is a schematic flow chart of a complete embodiment of the present application. As shown in fig. 7, in step 701, payment credential information, which is biometric information for identifying a payment account, and a target merchant identification, which includes a store identification and a brand identification, are acquired. Subsequently, in step 702, account verification is performed according to the payment credential information, so as to obtain account information corresponding to the payment credential information, where the account information is associated with at least one favorite commodity list, each favorite commodity list is associated with a merchant identifier, and the favorite commodity list includes at least one of a store favorite commodity list and a brand favorite commodity list. In step 703, it is determined whether a target favorite commodity list associated with the target merchant identification exists in the account information. If the target collected commodity list associated with the target merchant identification exists in the account information in step 704, acquiring a store collected commodity list associated with the store identification and a brand collected commodity list associated with the brand identification from the account information, and combining the commodities in the store collected commodity list with the commodities in the brand collected commodity list in step 705 to obtain the target collected commodity list. In step 706, if the payment credential information is facial information, a favorite merchandise payment portal is presented. In step 707, the target favorite commodity list is presented in response to a confirmation operation of the favorite commodity payment portal, and then in step 708, a payment operation is performed for the commodity in the target favorite commodity list in response to a confirmation operation for the target favorite commodity list. In step 709, if the target collected commodity list associated with the target merchant identification does not exist in the account information, displaying the input commodity prompt information, and then in step 710, receiving the input commodity list and performing payment operation according to the input commodity list, and obtaining and displaying a payment result page. Thereafter, in step 711, the items entered in the item list are presented in the payment results page along with a store identification association prompt and a brand identification association prompt corresponding to each item. After the consumer confirms the association, in step 712, the selection of the store identification association prompt and the brand identification association prompt by the payment results page is obtained in response to the association confirmation operation for the favorite association prompt. Then, in step 713, an association relationship between the corresponding commodity and the store identifier is established according to the selection result of the store identifier association prompt, so as to obtain a store collection commodity list, and in step 714, an association relationship between the corresponding commodity and the brand identifier is established according to the selection result of the brand identifier association prompt, so as to obtain the brand collection commodity list. Finally, in step 715, an association between the list of favorite items and the account information is established.

In one embodiment of the present application, based on the above technical solution, before the step S410, the method further includes the following steps:

receiving a commodity identifier and commodity updating information associated with the commodity identifier;

acquiring account information corresponding to a collection commodity list containing the commodity identification according to the commodity identification;

and sending commodity updating information to the payment account according to the account information, wherein the commodity updating information is contained in the commodity updating information.

In this embodiment, when the merchant modifies information such as the price or the supply status of the commodity, the commodity management system sends commodity update information to the payment device, where the commodity update information includes the commodity identification and the modified content related to the commodity, for example, a price change, no commodity or a commodity under shelf. After receiving the commodity identification and commodity updating information, the payment device searches all the commodity collection lists containing the commodity identification according to the commodity identification, and further obtains account information corresponding to the commodity collection lists. Then, the payment device sends commodity update information to the payment account according to the account information to inform the consumer that the price or state of the collected commodity is changed. The consumer can modify, delete and the like the commodities in the commodity collection list according to the received message.

In the embodiment of the application, the payment device sends the commodity update message to the payment account for collecting the commodity according to the commodity update information, thereby being beneficial to timely maintaining and updating the collected commodity list and improving the efficiency of commodity change message transmission.

In one embodiment of the application, the consumer can customize the personal information corresponding to his payment credentials, thereby protecting the scope of use of his personal information. For ease of description, referring to fig. 8, fig. 8 is a schematic block diagram of a payment system according to an embodiment of the present application. As shown in fig. 8, the payment system includes a cell phone side 810, a payment device 820, and a backend service 830. It will be appreciated that the structure of fig. 8 may in fact be deployed on the same device as the corresponding structure of fig. 2. As shown in fig. 8, the mobile phone end 810 is used for running an application program, which includes a login module, a service module, an applet, and the like. After the application logs into the payment account, the consumer can open the palm management applet through the service module. The applet displays the authorization conditions in the current scenes, such as information authorization conditions of different palms (left palm or right palm) in various scenes (traffic, store, unmanned, etc.). For example, the face payment scene is written down to store line to authorize the information of left palm, and after writing the palm, the data related to the person such as user identification and payment code is returned. The consumer can adjust each scene through the applet, for example, click the authorization adjustment button of a certain palm under a certain scene, can customize relevant return information, for example, go to the store line and brush face payment scene, the user can select to return only account identification for logging in the member, and the payment code is not returned in the subsequent use of the intra-member system. Such as on a store-to-store non-membership system, the user may choose to return only the payment code for payment, and not other extraneous information, allowing the consumer to control the personal data accessible to the merchant side. The set data is passed to the in-backend service 830 for control.

The payment device 820 is used to run a palm swipe face application and a merchant application. The palm and face brushing application comprises a palm identification module, a network module, a communication module and the like. The merchant application is used for providing commodity management capability of the merchant side, such as a shopping module, a member login module and the like, and the merchant application calls a palm face brushing application through the communication module to conduct palm face recognition and acquire account information of a consumer.

The palm acquisition and recognition applied by the palm brushing and face brushing are similar to the recognition module, and are not repeated here. And the network module of the palm-brushing face-brushing application is used for sending the picture to the back-end service 830 for identification after acquiring the preferred picture, and acquiring the relevant data of the palm in the scene, namely the account identification, payment score, payment code and the like, of the back-end service 830.

The backend services 830 include a palm recognition service, a base service, an account service, a payment service, and a payment score service. The palm recognition service is configured to, after receiving the palm data uploaded from the payment device 820, perform feature extraction on the current image, compare the feature with features in the database, find feature data with highest score, and compare the relevant palm data with a palm of the back-end database. The payment service and the payment sub-service are used for further exchanging payment codes or payment sub-information grades according to the identity information after exchanging the identity information of the consumer through the palm, the payment codes are similar to the payment code generation rules displayed by the mobile phone end, the payment can be directly carried out in the merchant system, the payment sub-credit grade generation rules are equivalent to the mobile phone end, and the payment settlement can be directly carried out in the merchant system. The customized information authorization service is configured to receive the customized information service from the applet end of the mobile phone end 810, and further pull the authorization condition of the corresponding palm in different scenes after receiving the list acquisition request. When the consumer adjusts the settings, the relevant update data is written to the database, and the subsequent data is the adjusted and customized data when the payment device 820 is in use.

In one embodiment of the present application, based on the above technical solution, step S420 performs account verification according to the payment credential information to obtain account information corresponding to the payment credential information, and specifically includes the following steps:

carrying out information identification according to the payment credential information to obtain a target payment credential, wherein the target payment credential corresponds to the payment account, the payment account comprises an information authorization rule, a plurality of account data and at least one collection commodity list, and the information authorization rule is used for indicating account data authorized to be used according to the payment credential in the plurality of account data;

acquiring target account data authorized to be used by the target payment voucher according to the information authorization rule and the target payment voucher;

and determining at least one favorite commodity list of the payment account and the target account data as account information.

In this embodiment, the consumer may configure information authorization rules in the payment account in advance, and account data that the payment device may obtain when providing different payment credential information is set by the information authorization rules. Specifically, after receiving the payment credential information, the payment device performs information identification according to the payment credential information to obtain a target payment credential. For example, the payment document information is a photographed palmprint picture, and the payment device performs palmprint recognition on the palmprint picture, so as to obtain a recognition result as a target payment document. The payment credentials have a binding relationship with the payment accounts, each payment credential uniquely corresponding to one payment account, but each payment account may bind multiple payment credentials. The account information of the payment account includes information authorization rules, a plurality of account data and at least one list of favorite goods. The account data is actual personal data content of the payment account, and includes, for example, personal information such as account identification, real name of account owner, payment code for making payment settlement, bank account address, account balance, and credit degree. The information authorization rules are used to specify account data that is available for authorization of different payment credentials. When the payment device acquires account information from the payment account, the payment device acquires account data according to the authorized range of the payment credentials. Specifically, the payment device acquires target account data authorized for use by the target payment credentials according to the information authorization rules and the target payment credentials, and then determines at least one favorite commodity list of the payment account and the target account data as account information.

In the embodiment of the application, the payment device can only acquire the account data authorized by the payment certificate as the account information by the limitation of the information authorization rule in the payment account, so that different available data are allowed to be set for different payment certificates, the owner of the payment account is allowed to customize the use rule of personal data of the payment account, and the safety of the personal information is improved.

In one embodiment of the present application, based on the above technical solution, the target account data is an account identifier; before the payment operation is performed according to the target collection commodity list in step S440, the method further includes the following steps:

according to the account identifier and the target payment certificate, logging in a payment account corresponding to the target payment certificate;

the step S440 of performing payment operations according to the target collection commodity list specifically includes the following steps:

and carrying out payment settlement on the commodities in the target collection commodity list according to the account balance in the payment account.

In this embodiment, the target account data is an account identifier, that is, the payment device obtains the account identifier of the payment account through the payment credential provided by the consumer, and then the payment device logs in to the payment account according to the account identifier and the target payment credential, and then directly uses the account balance of the payment account to perform payment settlement on the commodity in the target collection commodity list when performing the payment operation. Specifically, when a consumer performs operations such as recharging in a specific merchant, an account balance is correspondingly present in the payment account. These account balances may be used to make payments. In this case, the payment device does not need information such as a payment code or a bank account at the time of payment settlement, and only needs account registration information and balance information of the account. In the corresponding information authorization rule, a rule corresponding to the merchant may be included, and a specific payment credential such as palm print information of a left palm or a right palm is bound with the account identifier, so that when the specific payment credential is provided, the payment device can only acquire the account identifier according to the payment credential, and payment settlement is performed through the balance.

In the embodiment of the application, the payment account is logged in by obtaining the account identifier through the payment certificate, and the balance of the payment account is utilized to finish payment settlement, so that the acquisition of irrelevant personal information can be reduced under the condition of not needing a payment code, and the protection effect of the personal information is improved.

In an embodiment of the present application, based on the above technical solution, the biometric information is palmprint information, the target payment credential is first palmprint data, and the account data further includes payment information; the step of carrying out payment settlement on the commodities in the target collection commodity list according to the account balance in the payment account specifically comprises the following steps:

if the account balance in the payment account does not meet the settlement conditions of the commodities in the target collection commodity list, displaying a payment prompt to acquire second palmprint data, wherein the second palmprint data and the first palmprint data correspond to different palmprint data of the same payment account;

performing account verification according to the acquired second palmprint data, and acquiring payment information corresponding to the second palmprint data according to an account verification result;

And carrying out payment settlement on the commodities in the target collection commodity list according to the payment information.

In this embodiment, the biometric information is palm print information, the target payment certificate is first palm print data, and if the payment device cannot complete payment settlement according to the balance of the payment account, the consumer is further required to supplement the second palm print data to obtain the payment information of the payment account to complete the payment process. The second palm print data and the first palm print data correspond to different palm print data of the same payment account, namely when the first palm print data is a palm print of a left palm, the second palm print data is a right palm print.

Specifically, if the account balance in the payment account does not meet the settlement condition of the commodity in the target collected commodity list, for example, the account balance is insufficient, or the account balance can only purchase specific commodity and the target collected commodity list contains commodity which can not be purchased by the account balance, the payment device displays a payment prompt to prompt the consumer to provide the second palmprint data, so that the picture of the second palmprint is acquired. For example, the payment device may provide a prompt for a payment code by displaying a balance deficiency on a screen, thereby enabling the user to perform palm print recognition of the other palm to provide the supplemental credential information. The first palm print data and the second palm print data are information for identifying the payment account, such as palm prints of different palms, fingerprints of different fingers, or face information. The payment device then obtains the supplemental credential information via the acquisition module and performs account verification based on the second palm print data obtained. For example, feature extraction and comparison are performed according to the palmprint picture of the second palmprint data, so as to determine the corresponding payment account. The payment device further verifies whether the payment account corresponding to the second palm print data and the first palm print data is the same account. After the verification is passed, the payment device acquires payment information corresponding to the second palmprint data. And then, according to the payment information, carrying out payment settlement on the commodities in the target collection commodity list. The payment and settlement process can be carried out sequentially with the settlement of the account balance, namely, the account balance is used for settling the commodities in the target collection commodity list until the account balance is insufficient for settling the next commodity, and then the rest commodities are settled according to the payment information.

In the embodiment of the application, when the payment device cannot complete the payment through the previously obtained payment certificate, the payment device can further obtain the additional payment certificate to obtain the payment information so as to carry out payment settlement, thereby ensuring that the payment information in the payment account is not directly exposed to the payment state, avoiding unnecessary exposure of personal information and improving the information security.

In one embodiment of the present application, based on the above technical solution, the payment account includes a plurality of information authorization rules, each information authorization rule corresponding to one payment scenario; the step of acquiring the target account data authorized to be used by the target payment certificate according to the information authorization rule and the target payment certificate, and the method further comprises the following steps:

determining the merchant type of a target merchant and the membership of the payment account at the target merchant according to the payment account and the target merchant identification;

determining a current payment scene according to the merchant type and the membership;

and acquiring an information authorization rule corresponding to the current payment scene from the plurality of information authorization rules.

In this embodiment, the payment device may determine a current payment scenario according to a member state of the payment account at the merchant, and determine the information authorization rule to be used according to the payment scenario. Specifically, the payment device can query the merchant type of the target merchant and the membership of the payment account at the target merchant according to the payment account and the target merchant identifier. Merchant types typically include traffic, store, unmanned supermarket, online, etc. Merchants can be divided according to the aspects of management content, qualification and the like, such as whether authority authentication is obtained or not. The membership of the payment account at the target merchant will include membership at a particular store and membership for the entire brand. And the payment device determines the current payment scene according to the merchant type and the membership. The payment scenario is typically a combination of merchant type and membership, such as store members, store non-members, unmanned store non-members, and the like. Each payment account will contain a plurality of information authorization rules, each information authorization rule corresponding to a payment scenario, specifying account data available under the payment scenario. The payment device acquires the information authorization rule corresponding to the current payment scene from the plurality of information authorization rules, so that the subsequent payment process is further carried out according to the information authorization rule. For example, for a store membership scenario, the information authorization rules may specify that only account identifications are available, so that only member logins are performed, and balance payments are utilized, while for a store non-membership scenario, only payment codes are available for making payments, so that the payment device is prevented from acquiring unnecessary account identification and other information. It will be appreciated that for some payment scenarios there may be some account data as necessary, for example for store non-member scenarios, payment information is typically necessary information, and if there is no payment information, the payment device will not be able to complete the payment process, and thus such information is typically not adjustable in the information authorization rules, i.e. the consumer may decide whether the payment device can obtain the account identification, but the payment information must be provided.

In the embodiment of the application, the payment device determines the payment scene according to the membership between the payment account and the target merchant, and further determines the information authorization rule to be used according to the payment scene, so that the consumer can be allowed to set available account data for the relevant application scene, and the information security experience and the controllability of personal information in the consumption process are improved.

A complete embodiment of the above scheme is described below. Referring to fig. 9, fig. 9 is a schematic flow chart of a complete embodiment of the present application. As shown in fig. 9, in step 901, the payment apparatus acquires payment credential information, which is biometric information for identifying a payment account, and a target merchant identification, and then, in step 902, performs information identification according to the payment credential information, resulting in a target payment credential. The target payment credential corresponds to a payment account that includes a plurality of information authorization rules, a plurality of account data, and at least one favorite commodity list. Each list of favorite products is associated with a merchant identification. The information authorization rules are used to indicate account data that is authorized for use in accordance with the payment credentials among the plurality of account data, and each information authorization rule corresponds to a payment scenario. Subsequently, in step 903, the payment device determines the merchant type of the target merchant and the membership of the payment account at the target merchant according to the payment account and the target merchant identification, and in step 904, determines the current payment scenario according to the merchant type and membership. In step 905, the payment device obtains an information authorization rule corresponding to the current payment scenario from the plurality of information authorization rules, and in step 906, obtains target account data for use authorized by the target payment credential according to the information authorization rule and the target payment credential, wherein the target account data includes an account identification and payment information. In step 907, the payment device determines at least one of the favorite goods list and the target account data of the payment account as account information. Subsequently, in step 908, a target favorite list of items associated with the target merchant identification is obtained from the account information. In step 909, the payment device logs in to the payment account corresponding to the target payment credential according to the account identification and the target payment credential, and in step 910, if the account balance in the payment account does not satisfy the settlement conditions of the goods in the target favorite goods list, the payment prompt is displayed to obtain the supplemental credential information, wherein the supplemental credential information is used to identify the payment account. After the supplementary certificate information is acquired, in step 911, the payment device performs account verification according to the acquired supplementary certificate information, and acquires payment information corresponding to the supplementary certificate information according to the account verification result. Finally, in step 912, the payment device performs payment settlement for the items in the target favorite item list based on the payment information.

It should be noted that although the steps of the methods of the present application are depicted in the accompanying drawings in a particular order, this does not require or imply that the steps must be performed in that particular order, or that all illustrated steps be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step to perform, and/or one step decomposed into multiple steps to perform, etc.

The following describes an apparatus implementation of the present application that may be used to perform the equity credential management method of the above-described embodiments of the present application. Fig. 10 schematically shows a block diagram of the components of a payment device in an embodiment of the application. As shown in fig. 10, the payment apparatus 1000 may mainly include:

the information obtaining module 1010 is configured to obtain payment credential information and a target merchant identifier, where the payment credential information is used to identify biometric information corresponding to a payment account;

the account verification module 1020 is configured to perform account verification according to the payment credential information to obtain account information corresponding to the payment credential information, where the account information is associated with at least one collected commodity list, and each collected commodity list is associated with a merchant identifier;

A list obtaining module 1030, configured to obtain a target favorite list associated with the target merchant identifier from the at least one favorite list;

and the payment operation module 1040 is used for performing payment operation according to the target collection commodity list.

In one embodiment of the present application, based on the above technical solution, the payment operation module 1040 includes:

In one embodiment of the present application, based on the above technical solution, the payment device 1000 further includes:

the list establishing module comprises:

In one embodiment of the present application, based on the above technical solution, the list obtaining module 1030 includes:

In one embodiment of the present application, based on the above technical solution, the account verification module 1020 includes:

a payment operations module 1040, comprising:

In one embodiment of the present application, based on the above technical solution, the payment account includes a plurality of information authorization rules, each information authorization rule corresponding to one payment scenario; the payment apparatus 1000 further includes:

It should be noted that, the apparatus provided in the foregoing embodiments and the method provided in the foregoing embodiments belong to the same concept, and a specific manner in which each module performs an operation has been described in detail in the method embodiment, which is not described herein again.

It should be noted that, the computer system 1100 of the electronic device shown in fig. 11 is only an example, and should not impose any limitation on the functions and the application scope of the embodiments of the present application.

As shown in fig. 11, the computer system 1100 includes a central processing unit (Central Processing Unit, CPU) 1101 that can execute various appropriate actions and processes according to a program stored in a Read-Only Memory (ROM) 1102 or a program loaded from a storage section 1108 into a random access Memory (Random Access Memory, RAM) 1103. In the RAM 1103, various programs and data required for system operation are also stored. The CPU 1101, ROM 1102, and RAM 1103 are connected to each other by a bus 1104. An Input/Output (I/O) interface 1105 is also connected to bus 1104.

The following components are connected to the I/O interface 1105: an input section 1106 including a keyboard, a mouse, and the like; an output portion 1107 including a Cathode Ray Tube (CRT), a liquid crystal display (Liquid Crystal Display, LCD), and a speaker; a storage section 1108 including a hard disk or the like; and a communication section 1109 including a network interface card such as a LAN (Local Area Network ) card, a modem, or the like. The communication section 1109 performs communication processing via a network such as the internet. The drive 1110 is also connected to the I/O interface 1105 as needed. Removable media 1111, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is installed as needed on drive 1110, so that a computer program read therefrom is installed as needed into storage section 1108.

In particular, the processes described in the various method flowcharts may be implemented as computer software programs according to embodiments of the application. For example, embodiments of the present application include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flowcharts. In such an embodiment, the computer program can be downloaded and installed from a network via the communication portion 1109, and/or installed from the removable media 1111. When executed by a Central Processing Unit (CPU) 1101, performs the various functions defined in the system of the present application.

It should be noted that, the computer readable medium shown in the embodiments of the present application may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-Only Memory (ROM), an erasable programmable read-Only Memory (Erasable Programmable Read Only Memory, EPROM), flash Memory, an optical fiber, a portable compact disc read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present application, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

The flowcharts 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 application. 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 should be noted that although in the above detailed description several modules or units of a device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functions of two or more modules or units described above may be embodied in one module or unit in accordance with embodiments of the application. Conversely, the features and functions of one module or unit described above may be further divided into a plurality of modules or units to be embodied.

From the above description of embodiments, those skilled in the art will readily appreciate that the example embodiments described herein may be implemented in software, or may be implemented in software in combination with the necessary hardware. Thus, the technical solution according to the embodiments of the present application may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (may be a CD-ROM, a U-disk, a mobile hard disk, etc.) or on a network, and includes several instructions to cause a computing device (may be a personal computer, a server, a touch terminal, or a network device, etc.) to perform the method according to the embodiments of the present application.

Other embodiments of the application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains.

It is to be understood that the application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims

1. A method of payment, comprising:

2. The method of claim 1, wherein the performing a payment operation from the target favorite list of items comprises:

displaying the target collection commodity list;

3. The method of claim 2, wherein the biometric information is facial information; the displaying the target collection commodity list comprises the following steps:

4. The method according to claim 1, wherein after performing account verification according to the payment credential information to obtain account information corresponding to the payment credential information, the method further comprises:

5. The method of claim 4, wherein the target merchant identification comprises a store identification and a brand identification; the displaying, in the payment result page, a collection association prompt for the entered merchandise list, including:

the responding to the association confirmation operation aiming at the collection association prompt establishes a collection commodity list associated with the target merchant identification in the account information according to the input commodity list, and comprises the following steps:

6. The method of claim 5, wherein the list of favorite items includes at least one of a store favorite item list and a brand favorite item list, the generating the list of favorite items based on a result of an operation of at least one of the store identification association hint and the brand identification association hint comprising:

7. The method of claim 6, wherein the obtaining the target favorites list associated with the target merchant identification from the at least one favorites list comprises:

8. The method of claim 1, wherein prior to the obtaining payment credential information and the target merchant identification, the method further comprises:

9. The method of claim 1, wherein the performing account verification according to the payment credential information to obtain account information corresponding to the payment credential information comprises:

10. The method of claim 9, wherein the target account data is an account identification; before the payment operation is performed according to the target collection commodity list, the method further comprises the following steps:

the payment operation according to the target collection commodity list comprises the following steps:

11. The method of claim 10, wherein the biometric information is palmprint information, the target payment credential is first palmprint data, and the account data further comprises payment information; and performing payment settlement on the commodities in the target collection commodity list according to the account balance in the payment account, wherein the payment settlement comprises the following steps:

12. The method of claim 9, wherein the payment account contains a plurality of information authorization rules, each information authorization rule corresponding to a payment scenario; before the target account data authorized for use by the target payment credential is obtained according to the information authorization rule and the target payment credential, the method further includes:

13. A payment device, comprising:

14. An electronic device, comprising:

a processor;

a memory for storing executable instructions of the processor;

wherein the processor is configured to perform the payment method of any one of claims 1 to 12 via execution of the executable instructions.

15. A computer readable medium, on which a computer program is stored, which computer program, when being executed by a processor, implements a payment method according to any one of claims 1 to 12.