NL2025254B1 - Method, apparatus, storage medium and terminal device for inputting payment amount with code scanning - Google Patents

Method, apparatus, storage medium and terminal device for inputting payment amount with code scanning Download PDF

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Publication number
NL2025254B1
NL2025254B1 NL2025254A NL2025254A NL2025254B1 NL 2025254 B1 NL2025254 B1 NL 2025254B1 NL 2025254 A NL2025254 A NL 2025254A NL 2025254 A NL2025254 A NL 2025254A NL 2025254 B1 NL2025254 B1 NL 2025254B1
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payment
transaction
payment amount
current scan
historical
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NL2025254A
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Dutch (nl)
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Qi Gong Jie
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Black Jack Tech Co Limited
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

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

Abstract

METHOD, APPARATUS, STORAGE MEDIUM AND TERMINAL DEVICE FOR INPUTTING PAYMENT AMOUNT WITH CODE SCANNING 5 The embodiments of the invention discloses a method, an apparatus, a storage medium and a terminal device for inputting payment amount with code scanning, and the method includes: when a scan and payment event is monitored, obtaining a payment merchant of the current scan transaction through a two-dimensional code, Obtaining a current location of the mobile terminal 10 and using this as the transaction location of the current scan transaction; obtaining the historical payment information that is not on the same day but within the same time period as the scanning time according to the scanning time of the current scan transaction; wherein, the historical payment information includes the payment amount, payment merchant and transaction location of the historical scan transaction; calculating the payment of the current scan transaction 15 according to the payment merchant and transaction location of the current scan transaction and the historical payment information, and generating and displaying a payment display interface, according to the payment merchant and payment amount of the current scan transaction. With the embodiments of the present invention, the payment amount can be predicted, and the payer does not need to input the payment amount.

Description

METHOD, APPARATUS, STORAGE MEDIUM AND TERMINAL DEVICE FOR INPUTTING PAYMENT AMOUNT WITH CODE SCANNING TECHNICAL FIELD
[0001] The invention relates to the field of computer technology, and in particular, to a method, an apparatus, a storage medium, and a terminal device for inputting payment amount with code scanning.
BACKGROUND
[0002] With the continuous evolution of mobile payment methods, the gradual expansion of payment channels, the continuous promotion of new payment methods, payment by code scanning came into being. The transaction with payment by code scanning refers to a process in which a mobile terminal provides a payment index to be scanned by a scanning gun of a merchant terminal, and the merchant terminal submits the information obtained by scanning to a payment institution for authorization and transaction. The payment index can be a one-dimensional code or a two-dimensional code. For example, payment indexes on APPs such as Alipay and WeChat. The information obtained by scanning includes the transaction account, merchant, product, transaction amount, etc. Or, this transaction with payment by code scanning can also refer to the following process: the merchant provides an account index, the mobile terminal of the payer scans the account index, the interface of the mobile terminal displays the merchant information and the transaction amount input box, the payer manually enters the transaction amount into the transaction amount input box, and the payer finally determines the authorized transaction. The account index can be a one-dimensional code or a two-dimensional code.
[0003] For the latter process, the payer needs to scan the code first, and confirm the payment amount with the merchant, and then manually enter the amount value in the transaction amount input box, and then authorize the payment and confirm to pay. It will take some time to do so. It will make the follow-up crowd wait in line for payment too long, or it takes the payer too long and occupies the payer ’s time. For example, if the taxi takes too long to pay after arriving at the destination, it will cause the taxi to occupy the road and on the other hand, it will delay the payer.
SUMMARY
[0004] The embodiment of the invention provides a method, an apparatus, a storage medium, and a terminal device for inputting payment amount with code scanning, and predicts a payment amount without inputting a payment amount by a payer, thereby reducing a payment queue time.
[0005] As a first aspect of the embodiments of the invention, an embodiment of the invention provides a method for inputting payment amount after code scanning, including:
[0006] monitoring a scan and payment event initiated by a mobile terminal;
[0007] obtaining a payment merchant of the current scan transaction by the QR code scanned by the camera of the mobile terminal, when monitoring that the scan and payment event is initiated;
[0008] obtaining a current location of the mobile terminal, and using the location as a transaction location of the current scan transaction;
[0009] obtaining historical payment information of a historical scan transaction whose scanning time is not on the same day but within the same time period as the scanning time of the current scan transaction; wherein the historical payment information includes the payment amount, payment merchant and transaction location of the historical scan transaction;
[0010] calculating the payment amount of the current scan transaction according to the payment merchant and transaction location of the current scan transaction and the historical payment information; and
[0011] generating and displaying a payment display interface, according to the payment merchant and payment amount of the current scan transaction.
[0012] In some embodiments, the calculating the payment amount of the current scan transaction according to the payment merchant and transaction location of the current scan transaction and the historical payment information comprises:
[0013] from the historical payment information, extracting historical payment information that has the same payment merchant and transaction location as the current scan transaction;
[0014] counting the number of transactions with the same payment amount, according to the extracted historical payment information;
[0015] counting the number of payment events in which the number of transactions with the same payment amount exceeds a threshold;
[0016] when the number of the payment events is greater than 1, calculating the payment amount of the current scan transaction according to the payment amount of each payment event;
[0017] when the number of the payment events is equal to 1, calculating the payment amount of the current scan transaction according to the payment amount of the payment event;
[0018] when the number of the payment events is less than one, from the extracted historical payment information, once again extracting historical payment information whose scanning time is in the same week day as the scanning time of the current scan transaction and is closest to the current time, and calculating the payment amount of the current scan transaction according to the payment amount of the historical payment information extracted again.
[0019] In some embodiments, the calculating the payment amount of the current scan transaction according to the payment amount of each event that the number of transactions with the same payment amount exceeds a threshold comprises:
[0020] determining whether there is a difference between the payment amounts of any two payment events greater than a preset difference threshold;
[0021] if there is a difference greater than the difference preset threshold, selecting the payment event with the highest number of transactions, and using the payment amount of this payment event as the payment amount of the current scan transaction;
[0022] if there no difference greater than the preset difference threshold, selecting a median payment amount from the payment amount of all payment events as the payment amount of the current scan transaction.
[0023] In some embodiments, the calculating the payment amount of the current scan transaction according to the payment amount of the event where the number of transactions with the same payment amount exceeds a threshold comprises:
[0024] using the payment amount of the payment event as the payment amount of the current scan transaction.
[0025] In some embodiments, the calculating the payment amount of the current scan transaction according to the payment amount of the historical payment information extracted again comprises:
[0026] judging whether the historical payment information extracted again is empty set;
[0027] if the historical payment information extracted again is empty set, determining that the payment amount of the current scan transaction is zero;
[0028] if the historical payment information extracted again isn’t empty set, using the payment amount of the historical payment information extracted again as the payment amount of the current scan transaction.
[0029] In some embodiments, the generating and displaying a payment display interface, according to the payment merchant and payment amount of the current scan transaction comprises:
[0030] determining whether the payment amount of the current scan transaction is zero;
[0031] if the payment amount of the current scan transaction is zero, controlling the payment amount input box in the payment display interface to be empty when generating the payment display interface;
[0032] if the payment amount of the current scan transaction isn’t zero, controlling the value of the payment amount input box in the payment display interface to be the payment amount of the current scan transaction when generating the payment display interface.
[0033] Asa second aspect of the embodiments of the invention , an embodiment of the invention further provides a apparatus for inputting payment amount with code scanning, comprising:
[0034] an event monitoring module, configured to a scan and payment event initiated by a mobile terminal;
[0035] a payment merchant acquisition module, configured to obtain a payment merchant of the current scan transaction by the QR code scanned by the camera of the mobile terminal, when monitoring that the scan and payment event is initiated;
[0036] a transaction location acquisition module, configured to obtain a current location of the mobile terminal, and use the location as a transaction location of the current scan transaction;
[0037] a historical information obtaining module, configured to obtain historical payment information of a historical scan transaction whose scanning time is not on the same day but within the same time period as the scanning time of the current scan transaction; wherein the historical payment information includes the payment amount, payment merchant and transaction location of the historical scan transaction;
[0038] a payment amount calculation module, configured to calculate the payment amount of the current scan transaction according to the payment merchant and transaction location of the current scan transaction and the historical payment information;
[0039] a display interface generation module, configured to generate and display a payment display interface according to the payment merchant and payment amount of the current scan 5 transaction.
[0040] In some embodiments, the payment amount calculation module comprises:
[0041] an information re-extraction unit, configured to from the historical payment information, extract historical payment information that has the same payment merchant and transaction location as the current scan transaction;
[0042] a transaction count unit, configured to count the number of transactions with the same payment amount, according to the extracted historical payment information;
[0043] a first calculation unit, configured to, when the number of the payment events in which the number of transactions with the same payment amount exceeds a threshold is greater than 1, calculate the payment amount of the current scan transaction according to the payment amount of each payment event;
[0044] a second calculation unit, configured to, when the number of the payment events is equal to 1, calculate the payment amount of the current scan transaction according to the payment amount of the payment event;
[0045] a third calculation unit, configured to, when the number of the payment events is less than one, from the extracted historical payment information, once again extract historical payment information whose scanning time is in the same week day as the scanning time of the current scan transaction and is closest to the current time, and calculate the payment amount of the current scan transaction according to the payment amount of the historical payment information extracted again.
[0046] In addition, an embodiment of the invention provides a computer readable and non-stransitory storage medium storing a computer program, wherein the program is executed by a processor to implement the method for inputting payment amount with code scanning according to any one of the above embodiments,
[0047] And, an embodiment of the invention provides a terminal device comprising a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor, wherein the computer program is executed by the processor to implement the method for inputting payment amount after code scanning according to any one of the above embodiments.
[0048] The embodiment of the invention adopts the above technical solution. When the payment merchant of the current scan transaction has been scanned, the transaction location of the current scan transaction is obtained, and the corresponding historical payment information is obtained according to the scanning time of the current scan transaction. The payment merchant and transaction location of the current scan transaction can be combined with the historical payment information to calculate the payment amount of the current scan transaction. Finally, according to the payment merchant and payment amount of the current scan transaction, a payment display interface is generated and displayed on the interface of the terminal. So the payment amount of the current scan transaction 1s accurately predicted according to the payment habits without inputting the payment amount by the payer, which reduces the payment queuing time.
[0049] The above summary is for the purpose of description only and is not intended to be limiting in any way. In addition to the illustrative aspects, embodiments, and features described above, further aspects, embodiments, and features of the invention will be readily apparent by reference to the drawings and the following detailed description.
BRIEF DESCRIPTION OF THE DRAWINGS
[0050] In the drawings, unless otherwise specified, the same reference numerals denote the same or similar parts or elements throughout the drawings. These drawings are not necessarily drawn to scale. It should be understood that these drawings depict only certain embodiments disclosed in accordance with the invention and should not be construed as limiting the scope of the invention.
[0051] FIG. 1 is a schematic flowchart showing a method for inputting payment amount with code scanning according to the embodiment of the invention;
[0052] FIG. 2 is a schematic flowchart showing the step S50 of a method for inputting payment amount with code scanning according to the embodiment of the invention;
[0053] FIG. 3 is a schematic structural diagram showing an apparatus for inputting payment amount with code scanning according to the embodiment of the invention.
DETAILED DESCRIPTION OF EMBODIMENTS
[0054] In the following, only certain exemplary embodiments are briefly described. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the invention. Accordingly, the drawings and description are to be regarded as illustrative in nature and not restrictive.
[0055] In the description of the invention, it should be understood that the azimuth or position relationship indicated by the terms "center", "longitudinal", "transverse", "length", "width", "thickness", "upper", "lower", "front", " rear "," left "," right "." vertical "," horizontal "," top "," bottom "," inside "." outside "," clockwise "," counterclockwise "," axial " , "radial", "circumferential", etc. is based on the azimuth or position relationship shown in the drawings, and is only for the convenience of describing the invention and simplifying the description, rather than indicating or suggesting that the device or the element must have a specific orientation, be constructed and operate in a specific orientation, and therefore cannot be understood as a limitation on the invention.
[0056] In addition, the terms "first" and "second" are used for descriptive purposes only and cannot be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Therefore, the features defined as "first" and "second" may explicitly or implicitly include one or more of the features. In the description of the invention, the meaning of "plurality" is two or more, unless specifically defined otherwise.
[0057] Referring to FIG. 1, an embodiment of the invention provides a method for inputting payment amount with code scanning, which is executed by a mobile terminal. The mobile terminal includes, but is not limited to, a mobile phone and a tablet. The method includes steps S10 to S60 as follows:
[0058] S10. Monitoring a scan and payment event initiated by the mobile terminal.
[0059] In the embodiment of the invention, the scan and payment event means that the payer, that is, the user, activates a QR code or a one-dimensional code scanning function such as Alipay, WeChat, or online banking, for example, scanning. The user clicks the scan function to start the scan and payment event.
[0060] S20. Obtaining a payment merchant of the current scan transaction by the QR code scanned by the camera of the mobile terminal, when monitoring that the scan and payment event is initiated.
[0061] In the embodiment of the invention, when a scan and payment event is initiated, the mobile terminal will call its camera device to scan a two-dimensional code, and obtain the payment merchant of the current code scanning transaction according to the two-dimensional code.
[0062] S30. Obtaining a current location of the mobile terminal, and using the location as a transaction location of the current scan transaction.
[0063] Because the same merchant can set up stores in different geographical locations, it is not exactly enough to determine the payment habits just based on the payment merchant. Therefore, the GPS of the mobile terminal can be used to locate the current geographic location of the mobile terminal. The location is the transaction location of the current scan transaction.
[0064] S40. Obtaining historical payment information of a historical scan transaction whose scanning time is not on the same day but within the same time period as the scanning time of the current scan transaction; wherein the historical payment information includes the payment amount, payment merchant and transaction location of the historical scan transaction.
[0065] Assuming that the scanning time of the current scan transaction is 10:30 on Monday, February 5, 2018, the mobile terminal can preset a time threshold to define the same time period as described above. For example, if the scanning time of a historical scan transaction is between the first half hour and the last half hour of the current scanning time, it can be considered that the scanning time of this historical scan transaction is in the same time period with the scanning time of the current scan transaction. It is also possible to preset another time threshold to limit the acquisition of the historical payment information. For example, extracting payment information that meets the above requirements from all historical payment information in a month. Then, based on such an example, historical payment information from January 4, 2018 to February 4, 2018 and located in the time period from 10:00 to 11:00 can be extracted. The above time threshold can be set as needed, but it should not be too long to ensure accuracy.
[0066] S50. Calculating the payment amount of the current scan transaction according to the payment merchant and transaction location of the current scan transaction and the historical payment information.
[0067] Since the extracted historical payment information is only filtered based on time conditions, it is necessary to further determine the transaction habits that are closely related to the current scan transaction based on the payment merchant and transaction location of the current scan transaction. For example, from the historical payment information, extracting historical payment information that has the same payment merchant and transaction location as the current scan transaction. Specifically, as shown in FIG. 2, this step S50 may be specifically performed as follows:
[0068] S51. Counting the number of transactions with the same payment amount, according to the extracted historical payment information.
[0069] In this embodiment, for example, the payment amount of historical payment information is listed as follows: 20rmb, 20rmb, 19rmb, 18rmb, 20rmb, 19rmb, 18rmb, 20rmb, 19rmb; then, for the payment amount of 20rmb, the number of transactions with the same amount of 20rmb is 4; for the payment amount of 19rmb, the number of transactions with the same amount of 19rmb is 3; and for the payment amount of 18rmb, the number of transactions with the same amount of 18rmb is 2. In this embodiment, the number of payment events in which the number of transactions with the same payment amount is greater than a preset times threshold can be counted. Continuing the above example, assuming the preset times threshold is 3, then the number of events in which the number of transactions with the same payment amount is greater than the preset times threshold is 1. Assuming the preset times threshold is 2, then the number of events in which the number of transactions with the same payment amount is greater than the preset times threshold is 2.
[0070] S52. When the number of the payment events in which the number of transactions with the same payment amount exceeds a threshold (the preset times threshold) is greater than 1, calculating the payment amount of the current scan transaction according to the payment amount of each payment event.
[0071] In this embodiment, when the number of such payment events is greater than 1, it means that there are multiple payment events that meet the condition, which is the number of transactions with the same payment amount is greater than the times threshold. For example, taking the above example as an example, suppose the times threshold is 2, then the number of the payment events in which the number of transactions with the same payment amount exceeds the times threshold is 2, including: Event 1, in which the number of transactions with the same payment amount of 20rmb is 4, which is greater than the times threshold of 2; Event 2, in which the number of transactions with the same payment amount of 19rmb is 3, which is greater than the times threshold of 2. Then, the corresponding payment amount of the current scan transaction can be calculated according to the payment amount of event 1 and event 2. In a specific example, the process can be as follows:
[0072] Determining whether there is a difference between the payment amounts of any two payment events, in which the number of transactions with the same payment amount exceeds a threshold (times threshold), greater than a preset threshold (this preset threshold is for the difference); if there is a difference greater than the preset difference threshold, selecting the payment event with the highest number of transactions, and using the payment amount of this selected payment event as the payment amount of the current scan transaction; if there no difference greater than the preset difference threshold, selecting a median payment amount from the payment amount of all payment events as the payment amount of the current scan transaction.
[0073] It should be noted that if the difference between the payment amounts of two such payment events 1s too large, the probability of the payment amount of the event with the highest number of transactions appearing in the current scan transaction will be higher. Taking the payment amount of the event with the highest number of transactions as the payment amount of the current scan transaction is beneficial to the accuracy of predicting the payment amount of the current scan transaction. When the difference between the payment amounts of any two such payment events is not large, in these events, the median payment amount is more likely to appear in the current scan transaction. Taking the median payment amount as the payment amount of the current scan transaction is beneficial to predicting the accuracy of the payment amount of the current scan transaction.
[0074] S53. When the number of the payment events is equal to 1, calculating the payment amount of the current scan transaction according to the payment amount of the payment event.
[0075] S54. When the number of the payment events is less than one, from the extracted historical payment information, once again extracting historical payment information whose scanning time is in the same week day as the scanning time of the current scan transaction and is closest to the current time, and calculating the payment amount of the current scan transaction according to the payment amount of the historical payment information extracted again.
[0076] It should be noted that, taking the scanning time of the current scan transaction at 10:30 on Monday as an example, the historical payment information extracted again may be: from the historical payment information that occurred from January 4, 2018 to February 4, 2018 and within the time period of 10:00 to 11:00, extract the historical payment information that occurred on the nearest Monday. In the process of extracting historical payment information again, it is possible that no information can be extracted, that is, there is no historical payment information that satisfies the extraction conditions. In such a case, the process of "calculating the payment amount of the current scan transaction according to the payment amount of the historical payment information extracted again" in step S54 may comprise:
[0077] Judging whether the historical payment information extracted again is empty set; if yes, determining that the payment amount of the current scan transaction is zero; if not, using the payment amount of the historical payment information extracted again as the payment amount of the current scan transaction.
[0078] S60: Generating and displaying a payment display interface, according to the payment merchant and payment amount of the current scan transaction. Since it is possible that the payment amount calculated during the execution of step S60 is zero, the execution process of step S60 may comprise:
[0079] determining whether the payment amount of the current scan transaction is zero; if the payment amount of the current scan transaction is zero, controlling the payment amount input box in the payment display interface to be empty when generating the payment display interface; if the payment amount of the current scan transaction isn’t zero, controlling the value of the payment amount input box in the payment display interface to be the payment amount of the current scan transaction when generating the payment display interface.
[0080] The embodiments of the present invention can achieve the following effects: when the payment merchant of the current scan transaction has been scanned, the transaction location of the current scan transaction is obtained, and the corresponding historical payment information 1s obtained according to the scanning time of the current scan transaction. The payment merchant and transaction location of the current scan transaction can be combined with the historical payment information to calculate the payment amount of the current scan transaction. Finally, according to the payment merchant and payment amount of the current scan transaction, a payment display interface is generated and displayed on the interface of the terminal. So the payment amount of the current scan transaction is accurately predicted according to the payment habits without inputting the payment amount by the payer, which reduces the payment queuing time.
[0081] Example two
[0082] Referring to FIG. 3, an embodiment of the invention further provides a apparatus for inputting payment amount with code scanning, including:
[0083] an event monitoring module 10, configured to a scan and payment event initiated by a mobile terminal,
[0084] a payment merchant acquisition module 20, configured to obtain a payment merchant of the current scan transaction by the QR code scanned by the camera of the mobile terminal, when monitoring that the scan and payment event is initiated,
[0085] a transaction location acquisition module 30, configured to obtain a current location of the mobile terminal, and use the location as a transaction location of the current scan transaction;
[0086] a historical information obtaining module 40, configured to obtain historical payment information of a historical scan transaction whose scanning time is not on the same day but within the same time period as the scanning time of the current scan transaction; wherein the historical payment information includes the payment amount, payment merchant and transaction location of the historical scan transaction;
[0087] a payment amount calculation module 50, configured to calculate the payment amount of the current scan transaction according to the payment merchant and transaction location of the current scan transaction and the historical payment information;
[0088] a display interface generation module 60, configured to generate and display a payment display interface according to the payment merchant and payment amount of the current scan transaction.
[0089] Preferably, the payment amount calculation module 50 includes:
[0090] an information re-extraction unit, configured to, from the historical payment information, extract historical payment information that has the same payment merchant and transaction location as the current scan transaction;
[0091] a transaction count unit, configured to count the number of transactions with the same payment amount, according to the extracted historical payment information;
[0092] a first calculation unit, configured to, when the number of the payment events in which the number of transactions with the same payment amount exceeds a threshold is greater than 1, calculate the payment amount of the current scan transaction according to the payment amount of each event in which the number of transactions with the same payment amount exceeds a threshold;
[0093] a second calculation unit, configured to, when the number of events in which the number of transactions with the same payment amount exceeds a threshold is equal to 1, calculate the payment amount of the current scan transaction according to the payment amount of the payment event;
[0094] a third calculation unit, configured to, when the number of the payment events is less than one, from the extracted historical payment information, once again extract historical payment information whose scanning time is in the same week day as the scanning time of the current scan transaction and is closest to the current time, and calculate the payment amount of the current scan transaction according to the payment amount of the historical payment information extracted again.
[0095] Example three:
[0096] An embodiment of the invention provides a terminal device for inputting payment amount with code scanning, including a processor, a memory, and a computer program stored in the memory and configured to be executed by the processor. For example, a program for inputting payment amount with code scanning. When the processor executes the computer program, the steps in the embodiment for inputting payment amount with code scanning according to any one of the above embodiments are implemented, for example, step S10 shown in FIG. 1. Alternatively, when the processor executes the computer program, the functions in the foregoing embodiments of devices are implemented, such as the payment amount calculation module 50 shown in FIG. 3.
[0097] Exemplarily, the computer program may be divided into one or more modules, and the one or more modules are stored in the memory and executed by the processor to complete the invention. The one or more modules may be a series of computer program instruction segments capable of performing a specific function, and the instruction segments are used to describe an execution process of the computer program in the terminal device for inputting a scan code payment amount.
[0098] The terminal device may include, but is not limited to, a processor, a memory, and a display. Those skilled in the art can understand that the schematic diagram is only an example of a terminal device for inputting a code scanning payment amount, and does not constitute a limitation on a terminal device for inputting a code scanning payment amount, and may include more or less than the illustration Components, or a combination of certain components, or different components, for example, the terminal device that realizes the input of code scanning payment amount may also include input and output devices, network access devices, buses, etc.
[0099] The so-called processor may be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application specific integrated circuits (ASICs), ready-made Field-Programmable Gate Array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor may be a microprocessor, or the processor may be any conventional processor, etc. The processor is a control center of the terminal device for inputting a scan code payment amount, and uses various interfaces and lines to connect the entire processor. Various parts of the terminal device for inputting the scanning code payment amount.
[00100] The memory may be used to store the computer program and / or module, and the processor implements scan code payment by running or executing the computer program and / or module stored in the memory, and calling data stored in the memory. Various functions of the terminal device for amount input. The memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function (such as a sound playback function, a text conversion function, etc.), etc .; the storage data area may store Data (such as audio data, text message data, etc.) created based on the use of the phone. In addition, the memory may include high-speed random access memory, and may also include non-volatile memory, such as hard disks, memory, plug-in hard disks, Smart Media Card (SMC), and Secure Digital (SD) cards , A Flash Card, at least one disk storage device, a flash memory device, or other volatile solid-state storage device.
[00101] Wherein, the module of the terminal device that realizes the input of the scan code payment amount can be stored in a computer-readable storage medium if it is implemented in the form of a software functional unit and sold or used as an independent product. Based on such an understanding, the invention implements all or part of the processes in the method of the foregoing embodiment, and may also be completed by a computer program instructing related hardware. The computer program may be stored in a computer-readable storage medium. The computer When the program is executed by a processor, the steps of the foregoing method embodiments can be implemented. The computer program includes computer program code, and the computer program code may be in a source code form, an object code form, an executable file, or some intermediate form. The computer-readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a mobile hard disk, a magnetic disk, an optical disk, a computer memory, a read-only memory (ROM, Read-Only Memory) , Random Access Memory (RAM, Random Access Memory), electric carrier signals, telecommunication signals, and software distribution media. It should be noted that the content contained in the computer-readable medium can be appropriately increased or decreased according to the requirements of legislation and patent practice in the jurisdictions. For example, in some jurisdictions, the computer-readable medium Excludes electric carrier signals and telecommunication signals.
[00102] It should be noted that the device embodiments described above are only schematic, and the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical Units, which can be located in one place or distributed across multiple network units. Some or all of the modules may be selected according to actual needs to achieve the objective of the solution of this embodiment. In addition, in the drawings of the embodiment of the device provided by the invention, the connection relationship between the modules indicates that there is a communication connection between them, which may be specifically implemented as one or more communication buses or signal lines. Those of ordinary skill in the art can understand and implement without creative efforts.
[00103] The above are only specific embodiments of the invention, but the scope of protection of the invention is not limited to this. Any person skilled in the art can easily think of various changes or modifications within the technical scope disclosed by the invention. Instead, these should be covered by the protection scope of the invention. Therefore, the protection scope of the invention shall be subject to the protection scope of the claims.

Claims (10)

CONCLUSIES Ll. Een methode voor het invoeren van het betalingsbedrag met scannen van de code, bestaande uit: de controle van een scan en betaling geïnitieerd door een mobiele terminal; het verkrijgen van een betalingshandelaar voor de huidige scantransactie aan de hand van de QR-code die wordt gescand door de camera van de mobiele terminal, tijdens de controle of de scan en de betaling zijn geïnitieerd; het verkrijgen van een huidige locatie van de mobiele terminal en de locatie gebruiken als een transactielocatie van de huidige scantransactie; het verkrijgen van historische betaalinformatie van een historische scantransactie op een andere dag maar binnen dezelfde tijdsperiode als het scantijdstip van de huidige scantransactie; waarbij de historische betaalinformatie het betalingsbedrag, de betalingshandelaar en de transactielocatie van de historische scantransactie bevat; het berekenen van het betalingsbedrag van de huidige scantransactie volgens de betalingshandelaar en de transactielocatie van de huidige scantransactie en de historische betaalinformatie; en het genereren en weergeven van een betalingsdisplayinterface, volgens de betalingshandelaar en het betalingsbedrag van de huidige scantransactie.CONCLUSIONS Ll. A method of entering the payment amount with code scanning, comprising: checking a scan and payment initiated by a mobile terminal; obtaining a payment merchant for the current scan transaction by means of the QR code scanned by the camera of the mobile terminal, while checking whether the scan and payment have been initiated; obtaining a current location from the mobile terminal and using the location as a transaction location of the current scan transaction; obtaining historical payment information of a historical scan transaction on a different day but within the same time period as the scan time of the current scan transaction; wherein the historical payment information includes the payment amount, the payment merchant and the transaction location of the historical scan transaction; calculating the payment amount of the current scan transaction according to the payment merchant and the transaction location of the current scan transaction and the historical payment information; and generating and displaying a payment display interface, according to the payment merchant and the payment amount of the current scan transaction. 2. De methode voor het invoeren van het betalingsbedrag met scannen van de code volgens conclusie 1, waarbij de berekening van het betalingsbedrag van de huidige scantransactie volgens de betalingshandelaar en de transactielocatie van de huidige scantransactie en de historische betaalinformatie bestaat uit: het, vanuit de historische betaalinformatie, extraheren van historische betaalinformatie met dezelfde betalingshandelaar en transactielocatie als de huidige scantransactie; het tellen van het aantal transacties met hetzelfde betaalbedrag, volgens de geëxtraheerde historische betaalinformatie; het tellen van de betaalevenementen waarvan het aantal transacties met hetzelfde betalingsbedrag een drempel overschrijdt;The method of inputting the payment amount with scanning the code according to claim 1, wherein the calculation of the payment amount of the current scan transaction according to the payment merchant and the transaction location of the current scan transaction and the historical payment information consists of: historical payment information, extracting historical payment information with the same payment merchant and transaction location as the current scan transaction; counting the number of transactions with the same payment amount, according to the extracted historical payment information; counting the payment events whose number of transactions with the same payment amount exceeds a threshold; wanneer het aantal betaalevenementen groter 1s dan 1, het berekenen van het betalingsbedrag van de huidige scantransactie volgens het betalingsbedrag van elk betaalevenement; wanneer het aantal betaalevenementen gelijk is aan 1, het berekenen van het betalingsbedrag van de huidige scantransactie volgens het betalingsbedrag van het betaalevenement; wanneer het aantal betaalevenementen minder is dan 1, vanuit de geëxtraheerde historische betaalinformatie, nogmaals het extraheren van historische betaalinformatie waarvan het scantijdstip op dezelfde weekdag is als het scantijdstip van de huidige scantransactie en het dichtst bij het huidige tijdstip ligt en het berekenen van het betaalbedrag van de huidige scantransactie volgens het betalingsbedrag van de historische betaalinformatie die opnieuw is geëxtraheerd.when the number of payment events is greater than 1s than 1, calculating the payment amount of the current scan transaction according to the payment amount of each payment event; when the number of payment events is 1, calculating the payment amount of the current scan transaction according to the payment amount of the payment event; when the number of payment events is less than 1, from the extracted historical payment information, again extracting historical payment information whose scan time is on the same weekday as the scan time of the current scan transaction and is closest to the current time and calculate the payment amount of the current scan transaction according to the payment amount of the historical payment information that has been extracted again. 3. De methode voor het invoeren van het betalingsbedrag met scannen van de code volgens conclusie 2, waarbij de berekening van het betalingsbedrag van de huidige scantransactie volgens het betalingsbedrag van elk betaalevenement bestaat uit: het bepalen of er een verschil is tussen de betalingsbedragen van twee betaalevenementen groter dan een vooraf ingestelde verschildrempel; als er een verschil is dat groter is dan de vooraf ingestelde verschildrempel, het selecteren van het betaalevenement met het hoogste aantal transacties en het gebruik van het betalingsbedrag van dit betaalevenement als het betalingsbedrag van de huidige scantransactie; als er geen verschil is dat groter is dan de vooraf ingestelde verschildrempel, het selecteren van een gemiddeld betalingsbedrag vanuit het betalingsbedrag van alle betaalevenementen als het betalingsbedrag van de huidige scantransactie.The method of inputting the payment amount with scanning the code according to claim 2, wherein the calculation of the payment amount of the current scan transaction according to the payment amount of each payment event consists of: determining whether there is a difference between the payment amounts of two payment events greater than a preset difference threshold; if there is a difference greater than the preset difference threshold, selecting the payment event with the highest number of transactions and using the payment amount of this payment event as the payment amount of the current scan transaction; if there is no difference greater than the preset difference threshold, selecting an average payment amount from the payment amount of all payment events as the payment amount of the current scan transaction. 4. De methode voor het invoeren van het betalingsbedrag met scannen van de code volgens conclusie 2, waarbij de berekening van het betalingsbedrag van de huidige scantransactie volgens het betalingsbedrag van het betaalevenement bestaat uit: het gebruik van het betalingsbedrag van het betaalevenement als het betalingsbedrag van de huidige scantransactie.The method of entering the payment amount with scanning the code according to claim 2, wherein the calculation of the payment amount of the current scan transaction according to the payment amount of the payment event consists of: using the payment amount of the payment event as the payment amount of the current scan transaction. 5. De methode voor het invoeren van het betalingsbedrag met scannen van de code volgens conclusie 2, waarbij de berekening van het betalingsbedrag van de huidige scantransactie volgens het betalingsbedrag van de historische betaalinformatie die opnieuw is geëxtraheerd, bestaat uit: het beoordelen of de historische betaalinformatie die opnieuw is geëxtraheerd, leeg is; als de historische betaalinformatie die opnieuw is geëxtraheerd, leeg is, het bepalen of het betalingsbedrag van de huidige scantransactie nul is; als de historische betaalinformatie die opnieuw is geëxtraheerd, niet leeg is, het gebruik van het betalingsbedrag van de historische betaalinformatie die opnieuw is geëxtraheerd als het betalingsbedrag van de huidige scantransactie.The method of inputting the payment amount with scanning the code according to claim 2, wherein the calculation of the payment amount of the current scan transaction according to the payment amount of the historical payment information that has been extracted again consists of: judging whether the historical payment information which has been re-extracted is empty; if the historical payment information that has been extracted again is empty, determining whether the payment amount of the current scan transaction is zero; if the historical payment information that has been re-extracted is not empty, the use of the payment amount of the historical payment information that has been extracted again as the payment amount of the current scan transaction. 6. De methode voor het invoeren van het betalingsbedrag met scannen van de code volgens conclusie 1, waarbij het genereren en weergeven van een betalingsdisplayinterface, volgens de betalingshandelaar en het betalingsbedrag van de huidige scantransactie, bestaat uit: het bepalen of het betalingsbedrag van de huidige scantransactie nul is; als het betalingsbedrag van de huidige scantransactie nul is, het controleren of het invoervak voor het betalingsbedrag in de betalingsdisplayinterface leeg is bij het genereren van de betalingsdisplayinterface; als het betalingsbedrag van de huidige scantransactie niet nul is, het controleren of de waarde van het invoervak voor het betalingsbedrag in de betalingsdisplayinterface het betalingsbedrag van de huidige scantransactie is bij het genereren van de betalingsdisplayinterface.The method of inputting the payment amount with scanning the code according to claim 1, wherein generating and displaying a payment display interface, according to the payment merchant and the payment amount of the current scan transaction, comprises: determining whether the payment amount of the current scan transaction is zero; if the payment amount of the current scan transaction is zero, checking whether the payment amount input box in the payment display interface is empty when generating the payment display interface; if the payment amount of the current scan transaction is not zero, check if the value of the payment amount input box in the payment display interface is the payment amount of the current scan transaction when generating the payment display interface. 7. Een apparaat voor het invoeren van het betalingsbedrag met scannen van de code, bestaande uit: een module voor het controleren van evenementen, geconfigureerd voor een scan en betaalevenement dat is geïnitieerd door een mobiele terminal; een module voor het aanwerven van een betalingshandelaar, geconfigureerd voor het verkrijgen van een betalingshandelaar voor de huidige scantransactie aan de hand van de QR-code die wordt gescand door de camera van de mobiele terminal, tijdens de controle of de scan en de betaling zijn geïnitieerd, een module voor het aanwerven van een transactielocatie, geconfigureerd voor het verkrijgen van een huidige locatie van de mobiele terminal en het gebruik van de locatie als een transactielocatie van de huidige scantransactie;A device for inputting the payment amount with code scanning, comprising: an event checking module configured for a scan and payment event initiated by a mobile terminal; a payment merchant recruiting module, configured to obtain a payment merchant for the current scan transaction using the QR code scanned by the mobile terminal camera, during the verification that the scan and payment have been initiated , a transaction location acquiring module configured to obtain a current location of the mobile terminal and use the location as a transaction location of the current scan transaction; een module voor het verkrijgen van historische informatie, geconfigureerd voor het verkrijgen van historische betaalinformatie van een historische scantransactie op een andere dag maar binnen dezelfde tijdsperiode als het scantijdstip van de huidige scantransactie; waarbij de historische betaalinformatie het betalingsbedrag, de betalingshandelaar en de transactielocatie van de historische scantransactie bevat; een module voor de berekening van het betalingsbedrag, geconfigureerd voor het berekenen van het betalingsbedrag van de huidige scantransactie volgens de betalingshandelaar en de transactielocatie van de huidige scantransactie en de historische betaalinformatie; een module voor het genereren van een displayinterface, geconfigureerd voor het genereren en weergeven van een betalingsdisplayinterface volgens de betalingshandelaar en het betalingsbedrag van de huidige scantransactie.a historical information acquisition module configured to obtain historical payment information of a historical scan transaction on a different day but within the same time period as the scan time of the current scan transaction; wherein the historical payment information includes the payment amount, the payment merchant and the transaction location of the historical scan transaction; a payment amount calculation module configured to calculate the payment amount of the current scan transaction according to the payment merchant and the transaction location of the current scan transaction and the historical payment information; a display interface generation module configured to generate and display a payment display interface according to the payment merchant and the payment amount of the current scan transaction. 8. Het apparaat voor het invoeren van het betalingsbedrag met scannen van de code volgens conclusie 7, waarbij de module voor het berekenen van het betalingsbedrag bestaat uit: een eenheid voor het opnieuw extraheren van informatie, geconfigureerd voor het extraheren, vanuit de historische betaalinformatie, van historische betaalinformatie met dezelfde betalingshandelaar en transactielocatie als de huidige scantransactie; een eenheid voor het tellen van transacties, geconfigureerd voor het tellen van het aantal transacties met hetzelfde betaalbedrag, volgens de geëxtraheerde historische betaalinformatie; een eerste berekeningseenheid, geconfigureerd voor, wanneer het aantal betaalevenementen waarbij het aantal transacties met hetzelfde betalingsbedrag een drempel overschrijdt, groter is dan 1, het berekenen van het betalingsbedrag van de huidige scantransactie volgens het betalingsbedrag van elk betaalevenement; een tweede berekeningseenheid, geconfigureerd voor, wanneer het aantal betaalevenementen gelijk is aan 1, het berekenen van het betalingsbedrag van de huidige scantransactie volgens het betalingsbedrag van het betaalevenement; een derde berekeningseenheid, geconfigureerd voor, wanneer het aantal betaalevenementen minder is dan 1, vanuit de geéxtraheerde historische betaalinformatie, het nogmaals extraheren van historische betaalinformatie waarvan het scantijdstip op dezelfde weekdag is als het scantijdstip van de huidige scantransactie en het dichtst bij het huidige tijdstip ligt, en het berekenen van het betaalbedrag van de huidige scantransactie volgens het betalingsbedrag van de historische betaalinformatie die opnieuw is geéxtraheerd.The payment amount inputting apparatus with code scanning according to claim 7, wherein the payment amount calculating module comprises: an information re-extracting unit configured to extract from the historical payment information, from historical payment information with the same payment merchant and transaction location as the current scan transaction; a transaction counting unit configured to count the number of transactions with the same payment amount according to the extracted historical payment information; a first calculation unit, configured for, when the number of payment events where the number of transactions with the same payment amount exceeds a threshold is greater than 1, calculating the payment amount of the current scan transaction according to the payment amount of each payment event; a second calculation unit, configured for, when the number of payment events is 1, calculating the payment amount of the current scan transaction according to the payment amount of the payment event; a third calculation unit, configured for, when the number of payment events is less than 1, from the extracted historical payment information, again extracting historical payment information whose scan time is on the same weekday as the scan time of the current scan transaction and is closest to the current time and calculating the payment amount of the current scan transaction according to the payment amount of the historical payment information that has been extracted again. 9. Een voor de computer leesbaar en permanent opslagmedium waarop een computerprogramma wordt opgeslagen, waarop het programma wordt uitgevoerd door een processor om de methode voor het invoeren van betalingsbedragen met het scannen van de code volgens een van de conclusies 1 tot en met 6, te implementeren.A computer-readable and permanent storage medium on which a computer program is stored, on which the program is executed by a processor to control the method of entering payment amounts with scanning the code according to any one of claims 1 to 6. implement. 10. Een eindapparaat, bestaande uit een processor, een geheugen en een computerprogramma dat in het geheugen is opgeslagen en is geconfigureerd om door de processor te worden uitgevoerd, waarbij het computerprogramma wordt uitgevoerd door de processor om de methode voor het invoeren van het betalingsbedrag na het scannen van de code volgens een van de conclusies 1 tot en met 6, te implementeren.10. A terminal device consisting of a processor, a memory and a computer program stored in the memory and configured to be executed by the processor, the computer program being executed by the processor to follow the method of entering the payment amount. implement the scanning of the code according to any one of claims 1 to 6.
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