WO2017101376A1 - 一种自适应设置默认支付方式的方法及其装置 - Google Patents

一种自适应设置默认支付方式的方法及其装置 Download PDF

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Publication number
WO2017101376A1
WO2017101376A1 PCT/CN2016/088944 CN2016088944W WO2017101376A1 WO 2017101376 A1 WO2017101376 A1 WO 2017101376A1 CN 2016088944 W CN2016088944 W CN 2016088944W WO 2017101376 A1 WO2017101376 A1 WO 2017101376A1
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Prior art keywords
payment
payment method
behavior
historical
default
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PCT/CN2016/088944
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English (en)
French (fr)
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黄梦雅
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乐视控股（北京）有限公司
乐视网信息技术（北京）股份有限公司
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Priority to US15/250,640 priority Critical patent/US20170169419A1/en
Publication of WO2017101376A1 publication Critical patent/WO2017101376A1/zh

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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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks

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  • the embodiments of the present invention relate to the field of Internet technologies, and in particular, to a method and an apparatus for adaptively setting a default payment method.
  • Online payment refers to the parties to electronic transactions, including consumers, manufacturers, and financial institutions, using secure electronic payment methods to make money payments or funds flow through the network.
  • the payment behavior is to use advanced technology to complete the information transmission through digital circulation.
  • the payment methods of payment are all paid in a digital way.
  • the network payment of the IOS terminal adopts the default payment method to directly complete the payment.
  • the user still needs to select among a plurality of network payment methods, so that the network payment can be completed. Due to the wide variety of payment methods, the Android terminal requires the user to perform more selection operations, so that the user cannot complete the payment in time.
  • the embodiments of the present invention provide a method and an apparatus for adaptively setting a default payment method, which enable an Android terminal to perform a selection operation of a payment method, thereby facilitating a user to complete network payment in time.
  • the embodiment of the invention provides a method for adaptively setting a default payment method, which is applied to an Android terminal, and includes:
  • the preferred payment method is set as the default payment method adopted by the payment behavior.
  • the historical payment behavior includes: the Android terminal is Historical payment behaviors performed by different clients.
  • the obtaining a preferred payment method according to the payment method adopted by the historical payment behavior includes:
  • the method further includes:
  • the payment method is displayed in descending order of the number of times taken.
  • the method further includes:
  • the default payment method is changed according to an input instruction.
  • the embodiment of the present invention also provides a computer readable recording medium having recorded thereon a program configured to execute the above method.
  • the embodiment of the invention further provides an apparatus for adaptively setting a default payment method, which is applied to an Android terminal, and includes:
  • a mode obtaining module configured to analyze the saved historical payment behavior and obtain a payment method adopted by the historical payment behavior
  • a preference obtaining module configured to obtain a preferred payment method according to a payment method adopted by the historical payment behavior
  • the default setting module is configured to set the preferred payment method as the default payment method adopted by the payment behavior.
  • the historical payment behavior includes: a history payment behavior performed by the Android terminal through different clients.
  • the preference obtaining module includes:
  • a number obtaining module configured to obtain the number of times of each payment method adopted by the historical payment behavior
  • the preference module is configured to set the payment method with the most times taken as the preferred payment method.
  • the method further includes:
  • the sort setting module is configured to display the payment method in descending order of the number of times taken.
  • the method further includes:
  • the default change module is configured to change the default payment method according to an input instruction.
  • the embodiment of the present invention analyzes the saved historical payment behavior, obtains the payment method adopted by the historical payment behavior, and obtains the preferred payment method according to the payment method adopted by the historical payment behavior.
  • the embodiment of the present invention sets the preferred payment method as the default payment method adopted by the payment behavior, and does not need to perform the selection operation of the payment method, thereby facilitating the user to complete the network payment in time.
  • the embodiment of the invention is simple in operation and convenient to use, and improves the user experience for the user to perform online payment.
  • FIG. 1 is a hardware structural diagram of an Android terminal to which an embodiment of the present invention is applied;
  • FIG. 2 is a flow chart of an embodiment of a method for adaptively setting a default payment method according to the present invention
  • step S2 is a flowchart of an embodiment of step S2 in the method for adaptively setting a default payment method according to the present invention
  • FIG. 4 is a flow chart of another embodiment of a method for adaptively setting a default payment method according to the present invention.
  • FIG. 5 is a flow chart of still another embodiment of a method for adaptively setting a default payment method according to the present invention.
  • FIG. 6 is a structural diagram of an apparatus for adaptively setting a default payment method according to an embodiment of the present invention.
  • FIG. 7 is a structural diagram of an embodiment of a preference obtaining module in an apparatus for adaptively setting a default payment method according to the present invention.
  • FIG. 8 is a structural diagram of another embodiment of an apparatus for adaptively setting a default payment method according to the present invention.
  • FIG. 9 is a structural diagram of still another embodiment of an apparatus for adaptively setting a default payment method according to the present invention.
  • FIG. 10 is a flowchart of an application scenario of a method for adaptively setting a default payment method according to the present invention.
  • the Android terminal analyzes the saved historical payment behavior, obtains the payment method adopted by the historical payment behavior, and obtains the preferred payment method according to the payment method adopted by the historical payment behavior.
  • the preferred payment method is set as the default payment method adopted by the payment behavior, so that the Android terminal does not need to perform the selection operation of the payment method, and the user can be promptly completed to complete the network payment.
  • the embodiment of the invention is simple in operation and convenient to use, and improves the user experience for the user to perform online payment.
  • An embodiment of the present invention provides a method for adaptively setting a default payment method, which is applied to an Android terminal, and the Android terminal includes a mobile phone, a PAD, and the like that install an Android system.
  • the Android terminal generally includes a main control chip 11, a memory 12, an input/output device 13, and other hardware 14.
  • the main control chip 11 controls each functional module
  • the memory 12 stores each application program and data
  • the input/output device 13 is used to implement input and output.
  • the method includes:
  • the payment method is selected in the process of network payment.
  • the historical payment behavior of the embodiment of the present invention includes: a history payment behavior performed by the Android terminal through different clients, in order to accurately obtain the payment method adopted by the user.
  • the Android terminal obtains a historical payment behavior performed by the user through different clients, and collects a payment method adopted by the historical payment behavior.
  • the payment method includes: an electronic account number such as a bank card, an Alipay, and a balance treasure.
  • the Android terminal analyzes the payment method adopted by the user through the historical payment behavior performed by different clients, and obtains a preferred payment method.
  • the step S2 includes:
  • the Android terminal analyzes the payment method adopted by the user through the historical payment behavior performed by different clients, and obtains the number of times the user adopts various payment methods.
  • the payment method with the most times taken is set as the preferred payment method according to the number of times the obtained payment method is adopted by the user.
  • the payment method with the most times taken by the user is set as the default payment method adopted by the payment behavior, and the user can directly complete the network payment by using the default payment method, and does not need to select among a wide variety of payment methods, thereby simplifying the operation of the user to perform network payment.
  • the process facilitates the timely completion of online payments.
  • the method further includes:
  • the payment method with a large number of times is arranged in front for display, and it can be ensured that the default payment method is arranged at the forefront.
  • the method further includes:
  • the embodiment of the present invention can adaptively set the default payment mode, and can also change the set default payment mode according to the input instruction, thereby making the network payment method more flexible.
  • the embodiment of the present invention also provides a computer readable recording medium having recorded thereon a program configured to execute the above method.
  • the computer readable recording medium includes any mechanism for storing or transmitting information in a form readable by a computer (eg, a computer).
  • a machine readable medium includes a read only memory (ROM), random access memory (RAM), magnetic disk storage media, optical storage media, flash storage media, electrical, optical, acoustic or other forms of propagating signals (eg, carrier waves, infrared signals, digital signals, etc.).
  • the embodiment of the present invention further provides an apparatus for adaptively setting a default payment method, which is applied to an Android terminal, and the Android terminal includes a mobile phone, a PAD, and the like for installing an Android system.
  • the Android terminal generally includes a main control chip 11, a memory 12, an input/output device 13, and other hardware 14.
  • the main control chip 11 controls each functional module
  • the memory 12 stores each application program and data
  • the input/output device 13 is used to implement input and output.
  • the apparatus includes:
  • the mode obtaining module 61 is configured to analyze the saved historical payment behavior and obtain the payment method adopted by the historical payment behavior.
  • the preference obtaining module 62 is configured to obtain a preferred payment method according to the payment method adopted by the historical payment behavior.
  • the default setting module 63 is configured to set the preferred payment method as the default payment method adopted by the payment behavior.
  • the preferred payment method is set as the default payment method adopted by the payment behavior, so that the Android terminal does not need to perform the selection operation of the payment method, and the user can be promptly completed to complete the network payment.
  • the embodiment of the invention is simple in operation and convenient to use, and improves the user experience for the user to perform online payment.
  • the payment method is selected in the process of network payment.
  • the historical payment behavior of the embodiment of the present invention includes: a history payment behavior performed by the Android terminal through different clients, in order to accurately obtain the payment method adopted by the user.
  • the Android terminal obtains a historical payment behavior performed by the user through different clients, and collects a payment method adopted by the historical payment behavior.
  • the payment method includes: an electronic account number such as a bank card, an Alipay, and a balance treasure.
  • the Android terminal analyzes the payment method adopted by the user through the historical payment behavior performed by different clients, and obtains a preferred payment method.
  • the preference obtaining module 62 includes:
  • the number obtaining module 621 is configured to obtain the number of times each payment method is taken by the historical payment behavior.
  • the preference setting module 622 is configured to set the payment method with the most times taken as the preferred payment method.
  • the Android terminal analyzes the payment method adopted by the user through the historical payment behavior performed by different clients, and obtains the number of times the user adopts various payment methods.
  • the payment method with the most times taken is set as the preferred payment method according to the number of times the obtained payment method is adopted by the user.
  • the payment method with the most times taken by the user is set as the default payment method adopted by the payment behavior, and the user can directly complete the network payment by using the default payment method, and does not need to select among a wide variety of payment methods, thereby simplifying the operation of the user to perform network payment.
  • the process facilitates the timely completion of online payments.
  • the apparatus further includes:
  • the ranking setting module 64 is configured to display the payment method in descending order of the number of times taken.
  • the payment method with a large number of times is arranged in front for display, and it can be ensured that the default payment method is arranged at the forefront.
  • the method further includes:
  • the default change module 65 is configured to change the default payment method according to an input command.
  • the embodiment of the present invention can adaptively set the default payment mode, and can also change the set default payment mode according to the input instruction, thereby making the network payment method more flexible.
  • the embodiment of the invention is applied to an Android mobile phone, and the user performs online payment through the Android mobile phone, and the payment methods include: ICBC bank card, CCB bank card, China Merchants Bank card, Alipay, and Yu'ebao.
  • the method for adaptively setting the default payment method in this application scenario includes:
  • the Android mobile phone analyzes the historical payment behavior performed by each client, and obtains the payment method adopted by the historical payment behavior.
  • the payment method is selected in the process of network payment.
  • the historical payment behavior of the embodiment of the present invention includes: a history payment behavior performed by the Android terminal through different clients, in order to accurately obtain the payment method adopted by the user.
  • the number of times the user takes the ICBC bank card for payment is 10 times
  • the number of times the user takes the CCB bank card for payment is 50 times
  • the number of times the user takes the investment bank card for payment is 16 times
  • the number of times the user takes the payment by Alipay is 106 times
  • the number of times the user took the balance Bao to pay is 8 times.
  • Alipay is set as a preferred payment method.
  • Alipay As the default payment method adopted by the payment behavior, the user can complete the network payment directly through Alipay, without having to select among a wide variety of payment methods, simplifying the operation process of the user to perform network payment, and facilitating the timely completion of the network payment. .
  • the payment methods are sorted and displayed as: Alipay, CCB Bank Card, China Merchants Bank Card, ICBC Bank Card, and Yu'ebao.
  • the user changes the default payment method according to the input instruction.
  • the user can change the default payment method to CCB bank card by inputting instructions.
  • embodiments of the present invention can be provided as a method, apparatus (device), or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or a combination of software and hardware. Moreover, embodiments of the invention may take the form of a computer program product embodied on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.
  • a computer usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.

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Abstract

一种自适应设置默认支付方式的方法及其装置，应配置为安卓终端，包括：分析保存的历史支付行为，获得所述历史支付行为所采取的支付方式（S1）；根据所述历史支付行为所采取的支付方式，获得偏好支付方式（S2）；将所述偏好支付方式设置为支付行为所采取的默认支付方式（S3，104）。上述方法及其装置令安卓终端无需进行支付方式的选择操作，可促进用户及时完成网络支付。

Description

一种自适应设置默认支付方式的方法及其装置
本申请要求于2015年12月15日提交中国专利局、申请号为201510939503.X，发明名称为“一种自适应设置默认支付方式的方法及其装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明实施例涉及互联网技术领域，尤其涉及一种自适应设置默认支付方式的方法及其装置。
背景技术
随着互联网技术的发展，网络支付因其便利性越来越为人们所接受和使用。网络支付是指电子交易的当事人，包括消费者、厂商、和金融机构，使用安全电子支付手段通过网络进行的货币支付或资金流转。支付行为是采用先进的技术通过数字流转来完成信息传输的，支付行为的各种支付方式都是采用数字化的方式进行款项支付的。
IOS终端的网络支付，采取默认的支付方式直接完成支付。但是对于安卓终端而言，仍需要用户在众多的网络支付方式中进行选择，从而才能够完成网络支付。由于支付方式的种类繁多，安卓终端需要用户进行更多的选择操作，令用户无法及时完成支付。
因此，如何令安卓终端的网络支付更加简便，成为现有技术中亟需解决的技术问题。
发明内容
有鉴于此，本发明实施例提供一种自适应设置默认支付方式的方法及其装置，其令安卓终端无需进行支付方式的选择操作，可促进用户及时完成网络支付。
本发明实施例提供一种自适应设置默认支付方式的方法，应用于安卓终端，包括：
分析保存的历史支付行为，获得所述历史支付行为所采取的支付方式；
根据所述历史支付行为所采取的支付方式，获得偏好支付方式；
将所述偏好支付方式设置为支付行为所采取的默认支付方式。
在本发明一具体实施例中，所述历史支付行为包括：所述安卓终端通 过不同客户端所进行的历史支付行为。
在本发明发明一具体实施例中，所述根据所述历史支付行为所采取的支付方式，获得偏好支付方式包括：
获得所述历史支付行为所采取的各支付方式的次数；
将所采取次数最多的支付方式设置为偏好支付方式。
在本发明一具体实施例中，所述方法还包括：
将所述支付方式按照所采取的次数依次递减的次序进行显示。
在本发明一具体实施例中，所述方法还包括：
根据输入指令，变更所述默认支付方式。
本发明实施例还提供一种在其上记录有配置为执行上述方法的程序的计算机可读记录介质。
本发明实施例还提供一种自适应设置默认支付方式的装置，应用于安卓终端，包括：
方式获取模块，配置为分析保存的历史支付行为，获得所述历史支付行为所采取的支付方式；
偏好获得模块，配置为根据所述历史支付行为所采取的支付方式，获得偏好支付方式；
默认设置模块，配置为将所述偏好支付方式设置为支付行为所采取的默认支付方式。
在本发明一具体实施例中，所述历史支付行为包括：所述安卓终端通过不同客户端所进行的历史支付行为。
在本发明一具体实施例中，所述偏好获得模块包括：
次数获取模块，配置为获得所述历史支付行为所采取的各支付方式的次数；
偏好设置模块，配置为将所采取次数最多的支付方式设置为偏好支付方式。
在本发明实施例一具体实施例中，所述方法还包括：
排序设置模块，配置为将所述支付方式按照所采取的次数依次递减的次序进行显示。
在本发明一具体实施例中，所述方法还包括：
默认变更模块，配置为根据输入指令，变更所述默认支付方式。
由以上技术方案可见，本发明实施例分析保存的历史支付行为，获得所述历史支付行为所采取的支付方式，从而根据所述历史支付行为所采取的支付方式，获得偏好支付方式。本发明实施例将所述偏好支付方式设置为支付行为所采取的默认支付方式，无需进行支付方式的选择操作，可促进用户及时完成网络支付。本发明实施例操作简单，使用方便，改善了用户进行网上支付的用户体验。
附图说明
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明中记载的一些实施例，对于本领域普通技术人员来讲，还可以根据这些附图获得其他的附图。
图1是本发明实施例所应用的安卓终端的硬件结构图；
图2是本发明一种自适应设置默认支付方式的方法一实施例的流程图；
图3是本发明一种自适应设置默认支付方式的方法中步骤S2的一实施例的流程图；
图4是本发明一种自适应设置默认支付方式的方法的另一实施例的流程图；
图5是本发明一种自适应设置默认支付方式的方法的再一实施例的流程图；
图6是本发明一种自适应设置默认支付方式的装置一实施例的结构图；
图7是本发明一种自适应设置默认支付方式的装置中偏好获得模块一实施例的结构图；
图8是本发明一种自适应设置默认支付方式的装置另一实施例的结构图；
图9是本发明一种自适应设置默认支付方式的装置再一实施例的结构图；
图10是本发明发一种自适应设置默认支付方式的方法一应用场景的流程图。
具体实施方式
本发明实施例安卓终端分析保存的历史支付行为，获得所述历史支付行为所采取的支付方式，从而根据所述历史支付行为所采取的支付方式，获得偏好支付方式。本发明实施例将所述偏好支付方式设置为支付行为所采取的默认支付方式，令安卓终端无需进行支付方式的选择操作，可促进用户及时完成网络支付。本发明实施例操作简单，使用方便，改善了用户进行网上支付的用户体验。
当然，实施本发明实施例的任一技术方案必不一定需要同时达到以上的所有优点。
为了使本领域的人员更好地理解本发明实施例中的技术方案，下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅是本发明实施例一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员所获得的所有其他实施例，都应当属于本发明保护的范围。
下面结合本发明实施例附图进一步说明本发明具体实现。
本发明实施例提供一种自适应设置默认支付方式的方法，应用于安卓终端，所述安卓终端包括安装安卓系统的手机、PAD等。
参见图1，所述安卓终端通常包括：主控芯片11、存储器12、输入输出装置13以及其他硬件14。所述主控芯片11控制各功能模块，存储器12存储各应用程序和数据，输入输出装置13用于实现输入与输出。
参见图2，所述方法包括：
S1、分析保存的历史支付行为，获得所述历史支付行为所采取的支付方式。
由于用户可以通过淘宝、微信等不同的客户端进行网络支付，在网络支付的过程中选择支付方式。
为了准确地获得用户的全部历史支付行为所采取的支付方式，本发明实施例所述历史支付行为包括：所述安卓终端通过不同客户端所进行的历史支付行为。
具体地，所述安卓终端获得用户通过不同客户端所进行的历史支付行为，统计所述历史支付行为所采取的支付方式。
所述支付方式包括：各银行卡、支付宝、余额宝等电子帐号。
S2、根据所述历史支付行为所采取的支付方式，获得偏好支付方式。
所述安卓终端分析用户通过不同客户端所进行的历史支付行为采取的支付方式，获得偏好支付方式。
在本发明实施例一具体实现中，参见图3，所述步骤S2包括：
S21、获得所述历史支付行为所采取的各支付方式的次数。
具体的，所述安卓终端分析用户通过不同客户端所进行的历史支付行为采取的支付方式，获得用户所采取各种支付方式的次数。
S22、将所采取次数最多的支付方式设置为偏好支付方式。
根据获得的用户所采取各种支付方式的次数，将所采取次数最多的支付方式设置为偏好支付方式。
S3、将所述偏好支付方式设置为支付行为所采取的默认支付方式。
将用户所采取次数最多的支付方式设置为支付行为所采取的默认支付方式，用户可以直接通过默认支付方式完成网络支付，无需在种类繁多的支付方式中进行选择，简化了用户进行网络支付的操作过程，促进了网络支付的及时完成。
在本发明实施例另一具体实现中，参见图4，所述方法还包括：
S4、将所述支付方式按照所采取的次数依次递减的次序进行显示。
将所采取次数多的支付方式排列在前面进行显示，能够保证所述默认支付方式排列在最前面。用户需要变更默认支付方式时，通常会优先在采取次数多的支付方式中进行选择，可以缩短用户对种类繁多的支付方式进行浏览的时间。
在本发明实施例再一具体实现中，参见图5，所述方法还包括：
S5、根据输入指令，变更所述默认支付方式。
本发明实施例虽可自适应设置默认支付方式，用于也可以根据输入指令，变更设置的所述默认支付方式，从而令网络支付的方式更加灵活。
本发明实施例还提供一种在其上记录有配置为执行上述方法的程序的计算机可读记录介质。
所述计算机可读记录介质包括用于以计算机(例如计算机)可读的形式存储或传送信息的任何机制。例如，机器可读介质包括只读存储器 (ROM)、随机存取存储器(RAM)、磁盘存储介质、光存储介质、闪速存储介质、电、光、声或其他形式的传播信号(例如，载波、红外信号、数字信号等)等。
对应于上述方法，本发明实施例还提供一种自适应设置默认支付方式的装置，应用于安卓终端，所述安卓终端包括安装安卓系统的手机、PAD等。
参见图1，所述安卓终端通常包括：主控芯片11、存储器12、输入输出装置13以及其他硬件14。所述主控芯片11控制各功能模块，存储器12存储各应用程序和数据，输入输出装置13用于实现输入与输出。
参见图6，所述装置包括：
方式获取模块61，配置为分析保存的历史支付行为，获得所述历史支付行为所采取的支付方式。
偏好获得模块62，配置为根据所述历史支付行为所采取的支付方式，获得偏好支付方式。
默认设置模块63，配置为将所述偏好支付方式设置为支付行为所采取的默认支付方式。
本发明实施例将所述偏好支付方式设置为支付行为所采取的默认支付方式，令安卓终端无需进行支付方式的选择操作，可促进用户及时完成网络支付。本发明实施例操作简单，使用方便，改善了用户进行网上支付的用户体验。
由于用户可以通过淘宝、微信等不同的客户端进行网络支付，在网络支付的过程中选择支付方式。
为了准确地获得用户的全部历史支付行为所采取的支付方式，本发明实施例所述历史支付行为包括：所述安卓终端通过不同客户端所进行的历史支付行为。
具体地，所述安卓终端获得用户通过不同客户端所进行的历史支付行为，统计所述历史支付行为所采取的支付方式。
所述支付方式包括：各银行卡、支付宝、余额宝等电子帐号。
所述安卓终端分析用户通过不同客户端所进行的历史支付行为采取的支付方式，获得偏好支付方式。
在本发明实施例一具体实现中，参见图7，所述偏好获得模块62包括：
次数获取模块621，配置为获得所述历史支付行为所采取的各支付方式的次数。
偏好设置模块622，配置为将所采取次数最多的支付方式设置为偏好支付方式。
具体的，所述安卓终端分析用户通过不同客户端所进行的历史支付行为采取的支付方式，获得用户所采取各种支付方式的次数。
根据获得的用户所采取各种支付方式的次数，将所采取次数最多的支付方式设置为偏好支付方式。
将用户所采取次数最多的支付方式设置为支付行为所采取的默认支付方式，用户可以直接通过默认支付方式完成网络支付，无需在种类繁多的支付方式中进行选择，简化了用户进行网络支付的操作过程，促进了网络支付的及时完成。
在本发明实施例另一具体实现中，参见图8，所述装置还包括：
排序设置模块64，配置为将所述支付方式按照所采取的次数依次递减的次序进行显示。
将所采取次数多的支付方式排列在前面进行显示，能够保证所述默认支付方式排列在最前面。用户需要变更默认支付方式时，通常会优先在采取次数多的支付方式中进行选择，可以缩短用户对种类繁多的支付方式进行浏览的时间。
在本发明实施例再一具体实现中，参见图9，所述方法还包括：
默认变更模块65，配置为根据输入指令，变更所述默认支付方式。
本发明实施例虽可自适应设置默认支付方式，用于也可以根据输入指令，变更设置的所述默认支付方式，从而令网络支付的方式更加灵活。
下面通过本发明实施例一具体应用场景进一步说明本发明实施例实现。
本发明实施例应用于一安卓手机，用户通过安卓手机进行网络支付，支付方式包括：工行银行卡、建行银行卡、招商银行卡、支付宝以及余额宝。
参见图10，本应用场景的自适应设置默认支付方式的方法包括：
101、安卓手机分析通过各客户端进行的历史支付行为，获得所述历史支付行为所采取的支付方式。
由于用户可以通过淘宝、微信等不同的客户端进行网络支付，在网络支付的过程中选择支付方式。
为了准确地获得用户的全部历史支付行为所采取的支付方式，本发明实施例所述历史支付行为包括：所述安卓终端通过不同客户端所进行的历史支付行为。
102、获得所述历史支付行为所采取的各支付方式的次数。
具体地，用户采取工行银行卡进行支付的次数为10次，用户采取建行银行卡进行支付的次数为50次，用户采取招商银行卡进行支付的次数为16次，用户采取支付宝进行支付的次数为106次，用户采取余额宝进行支付的次数为8次。
103、将所采取次数最多的支付方式设置为偏好支付方式。
具体地，将支付宝设置为偏好支付方式。
104、将所述偏好支付方式设置为支付行为所采取的默认支付方式。
将支付宝设置为支付行为所采取的默认支付方式，用户可以直接通过支付宝完成网络支付，无需在种类繁多的支付方式中进行选择，简化了用户进行网络支付的操作过程，促进了网络支付的及时完成。
105、将所述支付方式按照所采取的次数依次递减的次序进行显示。
将支付方式进行排序，依次显示为：支付宝、建行银行卡、招商银行卡、工行银行卡、余额宝。
106、用户根据输入指令，变更所述默认支付方式。
用户由于支付宝余额不足，用户可以通过输入指令，变更默认支付方式为建行银行卡。
本领域的技术人员应明白，本发明的实施例可提供为方法、装置(设备)、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明实施例可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的方法、装置(设备)和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的 结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本发明的可选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包含这些改动和变型在内。

Claims (11)

  1. 一种自适应设置默认支付方式的方法，应用于安卓终端，其特征在于，包括：
    分析保存的历史支付行为，获得所述历史支付行为所采取的支付方式；
    根据所述历史支付行为所采取的支付方式，获得偏好支付方式；
    将所述偏好支付方式设置为支付行为所采取的默认支付方式。
  2. 根据权利要求1所述的方法，其特征在于，所述历史支付行为包括：所述安卓终端通过不同客户端所进行的历史支付行为。
  3. 根据权利要求2所述的方法，其特征在于，所述根据所述历史支付行为所采取的支付方式，获得偏好支付方式包括：
    获得所述历史支付行为所采取的各支付方式的次数；
    将所采取次数最多的支付方式设置为偏好支付方式。
  4. 根据权利要求3所述的方法，其特征在于，所述方法还包括：
    将所述支付方式按照所采取的次数依次递减的次序进行显示。
  5. 根据权利要求1至4中任一项所述的方法，其特征在于，所述方法还包括：
    根据输入指令，变更所述默认支付方式。
  6. 一种自适应设置默认支付方式的装置，应用于安卓终端，其特征在于，包括：
    方式获取模块，配置为分析保存的历史支付行为，获得所述历史支付行为所采取的支付方式；
    偏好获得模块，配置为根据所述历史支付行为所采取的支付方式，获得偏好支付方式；
    默认设置模块，配置为将所述偏好支付方式设置为支付行为所采取的默认支付方式。
  7. 根据权利要求6所述的装置，其特征在于，所述历史支付行为包括：所述安卓终端通过不同客户端所进行的历史支付行为。
  8. 根据权利要求7所述的装置，其特征在于，所述偏好获得模块包括：
    次数获取模块，配置为获得所述历史支付行为所采取的各支付方式的次数；
    偏好设置模块，配置为将所采取次数最多的支付方式设置为偏好支付方式。
  9. 根据权利要求8所述的装置，其特征在于，所述方法还包括：
    排序设置模块，配置为将所述支付方式按照所采取的次数依次递减的次序进行显示。
  10. 根据权利要求6至9中任一项所述的装置，其特征在于，所述方法还包括：
    默认变更模块，配置为根据输入指令，变更所述默认支付方式。
  11. 一种在其上记录有配置为执行权利要求1所述方法的程序的计算机可读记录介质。
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