WO2019095855A1

WO2019095855A1 - Method and apparatus for generating pay order information, and device

Info

Publication number: WO2019095855A1
Application number: PCT/CN2018/107233
Authority: WO
Inventors: 任健
Original assignee: 阿里巴巴集团控股有限公司
Priority date: 2017-11-17
Filing date: 2018-09-25
Publication date: 2019-05-23
Also published as: TW201923671A; CN107944867A

Abstract

Provided by an embodiment of the description are a method and apparatus for generating pay order information, and a device. The method for generating pay order information comprises: sensing a specific operation carried out by a user on a client device on which a payment application is installed, the specific operation being performed without the user opening the payment application; in response to the sensed specific operation, using a program that is independent from the payment application to generate pay order information that is used to complete a payment event; and outputting the pay order information to a screen of the client device for display.

Description

Payment voucher information generation method, device and device

Technical field

The embodiments of the present disclosure relate to the field of network payment technologies, and in particular, to a method, device, and device for generating payment voucher information.

Background technique

At present, people can use various applications (Apps) with network payment functions to complete payments or collections.

In the related art, when the user needs to pay, first, a client device (such as a mobile phone) installed with a payment application needs to be taken out, and then the user opens the payment application and finds a button for generating a payment QR code in the payment application. And click, along with, the payment app can generate a payment QR code according to a certain algorithm and display on the screen of the client device, and finally, the user displays the payment QR code to the payee or the payer to complete the payment. process.

It can be seen that the above process of generating and displaying the two-dimensional code requires the user to perform a series of operations to complete, and must rely on the payment application. Obviously, the user operation is cumbersome.

Summary of the invention

In view of this, the embodiment of the present specification provides a method, a device, and a device for generating payment voucher information.

To achieve the above objective, the technical solutions provided by the embodiments of the present specification are as follows:

In one aspect, a method for generating payment credential information is provided, including:

Sensing a specified operation by a user on a client device on which a payment application is installed, the specified operation being made by the user without opening the payment application;

Responsive to the specified operation, the payment voucher information used to complete the payment event is generated using a program independent of the payment application;

The payment voucher information is output to a screen of the client device for presentation.

In another aspect, a payment voucher information generating apparatus is provided, including:

a sensing unit that senses a specified operation performed by the user on the client device on which the payment application is installed, the specified operation being performed by the user without opening the payment application;

Generating unit, in response to the sensed specified operation, generating payment voucher information for completing a payment event using a program independent of the payment application;

And an output unit that outputs the payment credential information to a screen of the client device for display.

In yet another aspect, a client device is provided, comprising:

processor;

a memory for storing processor executable instructions;

The processor is configured to:

It can be seen from the above technical solution that since the payment credential information used to complete the payment event can be generated by using a program independent of the payment application after sensing the specified operation of the user, the generation process of the payment voucher information can be made independent of The payment application itself, that is, the user does not need to open the payment application to generate a payment voucher information and use it for payment by a simple operation, which greatly simplifies the user operation. And, since the process does not need to rely on the operation of the payment application, the consumption of resources of the client device can be reduced.

DRAWINGS

FIG. 1 is a flowchart of a method for generating payment credential information provided by an exemplary embodiment;

2 is a schematic diagram showing a picture in which payment voucher information is embedded as a wallpaper;

FIG. 3 is a block diagram of a payment voucher information generating apparatus according to an exemplary embodiment;

FIG. 4 shows a structure of a client device provided by an exemplary embodiment.

Detailed ways

FIG. 1 is a flowchart of a method for generating payment credential information provided by an exemplary embodiment. As shown in FIG. 1 , in an embodiment, the method is applicable to a client device (such as a computer or a mobile phone), and the method includes the following steps 101 to 103, where:

In step 101, a specified operation made by the user on the client device on which the payment application is installed is sensed, wherein the specified operation is made by the user without opening the payment application.

The payment application is an app with network payment function, such as: WeChat App, Alipay App, etc. Generally, when the user uses the payment application to make a payment, it is required to generate a payment voucher information on the client device and display the payment voucher information on the screen of the client device to complete the network payment transaction by using the payment voucher information, and the payment voucher information includes Not limited to: QR code, barcode, text (such as a string of numbers). For example, the payment credential information may be a payment two-dimensional code generated by an algorithm of the client device offline (ie, the client device does not need to be connected to the network), and the payment QR code is provided to the payee scan to complete the payment. . Of course, this article does not limit the payment method.

The specified operation is a pre-configured operation for triggering the client device to generate payment credential information, and the operation is configured to perform an operation without opening the payment application, Allows users to quickly generate a payment voucher information with a simple operation without opening the payment application. In an embodiment, the specifying operation may be: clicking a shortcut for triggering a generation process of the payment credential information without opening the payment application. For example, when a user installs a payment application on the client device and runs the application for the first time, the client device can detect whether the desktop (the desktop can refer to the lock screen interface or the main interface) has been used to trigger the generation of payment credentials. a shortcut to the information (eg, a virtual control), if not, create a desktop shortcut, and preset an instruction triggered by the shortcut to be an instruction to generate the payment credential information; if there is already a shortcut The way is ignored. Of course, the specified operation is not limited to this, for example, the user shakes the mobile phone for a set duration, or the user presses the set combination key, and the like. In short, the specified operation is made without opening the payment application. It should be mentioned that when two or more payment applications are installed on the client device, a corresponding designated operation may be separately set for each payment application to trigger the generation action of the payment voucher information.

The phrase "not opening the payment application" as referred to herein means that the user does not open the user interface of the payment application, but the payment application may run in the background or may not start the process at all.

In step 102, in response to the sensed specified operation, payment voucher information used to complete the payment event is generated using a program independent of the payment application.

If the payment credential information is generated without relying on the operation of the payment application, it is obviously possible for the user to avoid starting the payment application and performing a series of operations on the payment application, and for the client device, the application operation can also be reduced. Reduce resource consumption. To this end, the present embodiment completes the generation of payment credential information by a program independent of the payment application. The program is independent of the payment application means that the program can run independently of the payment application, and the operation of the payment application does not interfere with the operation of the program. In an embodiment, the program can be a Service Application component running in the background of the client device and not providing a user interface, and the program inherits an algorithm for generating the payment credential information by the payment application.

Service (Service) is one of the four major components of the Android system, which can be started by other application components. Usually, even if the user switches to other applications, the Service will continue to run in the background. Therefore, in step 102, after sensing the specified operation made by the client device, it is necessary to determine whether the Service used to generate the payment credential information has been started, if it has been started (running in the background) Use it directly to execute the corresponding algorithm. Conversely, if it has not been started, start the Service first. Taking the payment QR code as an example, the algorithm for generating the payment QR code can usually be generated offline without using a network request and using a cryptographic algorithm locally. The algorithm can generally generate payment credential information based on the user ID that the user logs in on the payment application, the token calculated according to the current time factor, and an identifier that can represent the client device. The specific algorithm is not the focus of this paper, so it is not here. Repeat them.

In step 103, the payment voucher information is output to a screen of the client device for presentation.

In an embodiment, the step 103 can be implemented by the following steps 131 and 132:

Step 131: Generate a picture in which the payment voucher information is embedded according to the setting template.

For example, the payment voucher information is a two-dimensional code, and based on the set picture template, after generating the two-dimensional code, the two-dimensional code payment picture can be drawn on the template, as shown in FIG. 2, and the synthesized picture is obtained. A QR code and barcode are embedded with some other information.

Step 132: Set the picture as a screen background image of the client device and output it to the screen for display.

As shown in Figure 2, the final composite image will replace the screen background image (ie wallpaper) that the current client device is using, and will be displayed in the form of a new wallpaper. And, call the interface provided by the Android system to get the original wallpaper of the desktop and save it. At the same time, the Service can establish a TCP network connection with the payment server to wait for the payment server to return the result of the scan code payment. The manner of establishing a TCP network connection is a general-purpose technology, and details are not described herein again. After that, the user displays the wallpaper displayed on the client device to the merchant to complete the scan code payment.

In an embodiment, after step 132, the method may further include:

After the program receives the payment completion notification from the payment server, the picture is replaced with a screen background picture used by the client device before displaying the picture.

In another embodiment, after step 132, the method may further include:

After the duration of displaying the picture as the screen background image exceeds the set duration threshold, the picture is replaced with the screen background picture used by the client device before displaying the picture.

It can be seen that the payment credential information is synthesized into one picture and displayed as a background picture of the client device. On the one hand, the user can complete the payment without adding further operations after the specified operation, which really simplifies. User action. On the other hand, the payment voucher information is displayed as a wallpaper, which is also clearer and more conspicuous, and does not disappear in a short time or disappears due to the user's misoperation on the screen, and is convenient to use. In addition, after the payment is completed, the client device can automatically complete the wallpaper switching without user operation, ensuring that this function does not affect the user-set preference wallpaper for a long time. Of course, in other feasible embodiments, the payment credential information may also be displayed as a floating picture or the like, which is not limited thereto.

In the above method, since the payment credential information for completing the payment event can be generated by using a program independent of the payment application after sensing the specified operation of the user, the generation process of the payment voucher information can be made independent of the The payment application itself, that is, the user does not need to open the payment application to generate a payment voucher information and use it for payment by a simple operation (one-click operation), which greatly simplifies the user operation. Also, since the process does not need to rely on the operation of the payment application (not coupled to the payment application), the consumption of resources to the client device can be reduced.

Corresponding to the above method, a payment voucher information generating device is also provided herein. As shown in FIG. 3, in an embodiment, a payment voucher information generating apparatus 300 includes:

a sensing unit 301 configured to: sense a specified operation performed by a user on a client device installed with a payment application, the specified operation being performed by the user without opening the payment application;

a generating unit 302 configured to: generate, in response to the sensed specified operation, payment voucher information used to complete a payment event using a program independent of the payment application;

The output unit 303 is configured to output the payment credential information to a screen of the client device for presentation.

In an embodiment, the program may be a Service application component running in the background of the client device and not providing a user interface, the program following the algorithm for generating the payment credential information with the payment application.

In an embodiment, the specifying operation may include clicking a shortcut for triggering a generation process of the payment credential information without opening the payment application.

In an embodiment, the output unit 303 includes:

a picture generation subunit, generating a picture in which the payment voucher information is embedded according to the setting template;

The background replaces the subunit, and the picture is set as a screen background image of the client device and output to the screen for display.

In an embodiment, the apparatus 300 may further include a background restoration unit configured to:

After the program receives the payment completion notification from the payment server, replacing the picture with a screen background image used by the client device before displaying the picture; or

As shown in FIG. 4, one or more embodiments of the present specification provide a client device, which may include a processor, an internal bus, a network interface, a memory (including a memory and a non-volatile memory), of course. It may also include the hardware required for other services. The processor can be one or more of a central processing unit (CPU), a processing unit, a processing circuit, a processor, an application specific integrated circuit (ASIC), a microprocessor, or other processing logic of executable instructions. The processor reads the corresponding program from the non-volatile memory into memory and then runs. Of course, in addition to the software implementation, one or more embodiments of the present specification do not exclude other implementation manners, such as a logic device or a combination of software and hardware, etc., that is, the execution body of the following processing flow is not limited to each. A logical unit, which can also be a hardware or logic device.

In an embodiment, the processor can be configured to:

The various embodiments in the specification are described in a progressive manner, and the same/similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the device embodiment and the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the description of the method embodiment.

The system, device, module or unit illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function. A typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email transceiver, and a game control. A combination of a tablet, a tablet, a wearable device, or any of these devices.

For the convenience of description, the above devices are described separately by function into various units. Of course, the functions of the various units may be implemented in one or more software and/or hardware when implementing one or more embodiments of the present specification.

Those skilled in the art will appreciate that embodiments of the present invention can be provided as a method, system, 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, the invention can 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.

The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (system), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG. These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device. Means for implementing the functions specified in one or more of the flow or in a block or blocks of the flow chart.

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.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory, such as read only memory (ROM) or flash memory (flashRAM), in a computer readable medium. Memory is an example of a computer readable medium.

Computer readable media includes both permanent and non-persistent, removable and non-removable media. Information storage can be implemented by any method or technology. The information can be computer readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory. (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, compact disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary storage computer readable media, such as modulated data signals and carrier waves.

It is also to be understood that the terms "comprises" or "comprising" or "comprising" or any other variations are intended to encompass a non-exclusive inclusion, such that a process, method, article, Other elements not explicitly listed, or elements that are inherent to such a process, method, commodity, or equipment. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device including the element.

Those skilled in the art will appreciate that embodiments of one or more embodiments of the present disclosure can be provided as a method, system, or computer program product. Thus, one or more embodiments of the present specification can take the form of an entirely hardware embodiment, an entirely software embodiment or a combination of software and hardware. Moreover, one or more embodiments of the present specification can employ a computer program embodied on one or more computer usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer usable program code embodied therein. The form of the product.

One or more embodiments of the present specification can be described in the general context of computer-executable instructions executed by a computer, such as a program module. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform particular tasks or implement particular abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are connected through a communication network. In a distributed computing environment, program modules can be located in both local and remote computer storage media including storage devices.

The above description is only an embodiment of one or more embodiments of the present specification, and is not intended to limit one or more embodiments of the present specification. Various changes and modifications can be made to one or more embodiments of the present disclosure. Any modifications, equivalents, improvements, etc. within the spirit and scope of the present invention are intended to be included within the scope of the appended claims.

Claims

A method for generating payment voucher information, comprising:

Sensing a specified operation by a user on a client device on which a payment application is installed, the specified operation being made by the user without opening the payment application;

Responsive to the specified operation, the payment voucher information used to complete the payment event is generated using a program independent of the payment application;

The payment voucher information is output to a screen of the client device for presentation.
The method of claim 1 wherein the program is a Service Application component running in the background of the client device and not providing a user interface, the program along with the payment application generating an algorithm of the payment credential information.
The method of claim 1, the specifying operation comprising: clicking a shortcut to trigger a generation process of the payment credential information without opening the payment application.
The method of claim 1, the outputting the payment credential information to a screen of the client device for presentation comprises:

Generating a picture embedded with the payment voucher information according to the setting template;

The picture is set as a screen background image of the client device and output to the screen for display.
The method of claim 4 further comprising:

After the program receives the payment completion notification from the payment server, replacing the picture with a screen background image used by the client device before displaying the picture; or

After the duration of displaying the picture as the screen background image exceeds the set duration threshold, the picture is replaced with the screen background picture used by the client device before displaying the picture.
A payment voucher information generating device includes:

a sensing unit that senses a specified operation performed by the user on the client device on which the payment application is installed, the specified operation being performed by the user without opening the payment application;

Generating unit, in response to the sensed specified operation, generating payment voucher information for completing a payment event using a program independent of the payment application;

And an output unit that outputs the payment credential information to a screen of the client device for display.
The apparatus of claim 6, the program being a Service Application component running in the background of the client device and not providing a user interface, the program inferring an algorithm for generating the payment credential information with the payment application.
The apparatus of claim 6, the specifying operation comprising: clicking a shortcut for triggering a generation process of the payment credential information without opening the payment application.
The apparatus of claim 6, the output unit comprising:

a picture generation subunit, generating a picture in which the payment voucher information is embedded according to the setting template;

The background replaces the subunit, and the picture is set as a screen background image of the client device and output to the screen for display.
The apparatus of claim 9 further comprising a background restoration unit configured to:

After the program receives the payment completion notification from the payment server, replacing the picture with a screen background image used by the client device before displaying the picture; or

After the duration of displaying the picture as the screen background image exceeds the set duration threshold, the picture is replaced with the screen background picture used by the client device before displaying the picture.
A client device, including:

processor;

a memory for storing processor executable instructions;

The processor is configured to:

Sensing a specified operation by a user on a client device on which a payment application is installed, the specified operation being made by the user without opening the payment application;

Responsive to the specified operation, the payment voucher information used to complete the payment event is generated using a program independent of the payment application;

The payment voucher information is output to a screen of the client device for presentation.