WO2020001107A1 - 一种交易卡和信息显示方法 - Google Patents

一种交易卡和信息显示方法 Download PDF

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Publication number
WO2020001107A1
WO2020001107A1 PCT/CN2019/080025 CN2019080025W WO2020001107A1 WO 2020001107 A1 WO2020001107 A1 WO 2020001107A1 CN 2019080025 W CN2019080025 W CN 2019080025W WO 2020001107 A1 WO2020001107 A1 WO 2020001107A1
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WO
WIPO (PCT)
Prior art keywords
transaction
graphic code
module
information
display
Prior art date
Application number
PCT/CN2019/080025
Other languages
English (en)
French (fr)
Inventor
翁欣雨
郑坤坤
尹欢密
Original Assignee
阿里巴巴集团控股有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 阿里巴巴集团控股有限公司 filed Critical 阿里巴巴集团控股有限公司
Priority to SG11202006764XA priority Critical patent/SG11202006764XA/en
Publication of WO2020001107A1 publication Critical patent/WO2020001107A1/zh
Priority to US16/890,543 priority patent/US10891609B2/en
Priority to PH12020551163A priority patent/PH12020551163A1/en

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Classifications

    • 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
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • G06K19/07707—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a display, e.g. LCD or electronic ink
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G07F7/0846—On-card display means

Definitions

  • This specification relates to the field of computer technology, and in particular, to a transaction card and information display method.
  • Offline payment refers to the user's payment without the need to connect to the network. Offline payment can generally be made by the user by presenting identity credentials to the payment object. For example, a bank card can store the user's transaction account information. The user Swipe the card at the card terminal to complete the payment.
  • the offline payment methods such as bank cards have lower requirements for the security level of the user's transaction account.
  • the swipe of the card will make the relevant information of the transaction account easy to be intercepted, resulting in the loss of the user's transaction account, and when the payment card When the balance is small, the user needs to frequently go to the designated outlet to recharge the payment card, which wastes a lot of time of the user, which results in inefficient payment. Therefore, especially in the field of offline payment, terminal equipment (such as Mobile phones, tablets, etc.), a more stable, more secure, and more efficient payment solution is needed.
  • the purpose of the embodiments of the present specification is to provide a transaction card and information display method, so as to provide a more stable, more secure, and more efficient payment solution.
  • a transaction card provided by an embodiment of this specification includes a card body, a power module, a graphic code generation module, and a display module, where:
  • the power module, the graphic code generating module and the display module are respectively embedded in the card body, and the power module is connected to the graphic code generating module and the display module, respectively;
  • the graphic code generating module is configured to generate a trading graphic code based on the user's trading account information
  • the display module is configured to display the transaction graphic code.
  • the graphic code generation module generates a new transaction graphic code every predetermined time period, and replaces the transaction graphic code displayed by the display module with the new transaction graphic code.
  • the transaction card further includes a communication module, which is connected to the power module, the graphic code generation module, and the display module, respectively, and the communication module is configured to receive target information sent by the server And / or sending a target request message to the server.
  • a communication module which is connected to the power module, the graphic code generation module, and the display module, respectively, and the communication module is configured to receive target information sent by the server And / or sending a target request message to the server.
  • the communication module includes one or more of a Wi-Fi module, a near field communication module, and a radio frequency module.
  • the transaction card further includes a positioning module, which is connected to the power module and the display module, respectively, and the positioning module is configured to obtain the current location information and pass the display The module displays the location information.
  • a positioning module which is connected to the power module and the display module, respectively, and the positioning module is configured to obtain the current location information and pass the display The module displays the location information.
  • the transaction card further includes a function button, and the function button is respectively connected to the power module, the display module, and the communication module.
  • the server requests information corresponding to the function keys, and displays the information corresponding to the function keys through the display module.
  • the graphic code generation module is configured to generate a first transaction graphic code and / or a second transaction graphic code, the second transaction graphic code is a payment graphic code, and the first transaction graphic code is a payment graphic code.
  • the graphic code generating module is configured to generate a first transaction graphic code
  • the transaction card further includes a second transaction graphic code
  • the second transaction graphic code is set in a predetermined area of the transaction card.
  • the display module is electronic paper.
  • the transaction graphic code is a barcode, a two-dimensional code, or a password code.
  • An information display method provided in an embodiment of the specification, which is applied to a transaction card provided in the foregoing embodiment, includes:
  • the transaction graphic code is displayed.
  • the method further includes:
  • the generating a transaction graphic code based on the transaction account information includes:
  • a transaction graphic code is generated.
  • the transaction graphic code includes a first transaction graphic code and a second transaction graphic code
  • the second transaction graphic code is a payment graphic code
  • the first transaction graphic code is a payment graphic code
  • the transaction graphic code includes a first transaction graphic code.
  • the embodiments of the present specification provide a transaction card, including: a card body, a power module, a graphic code generating module, and a display module, among which: a power module, a graphic code generating module, and a display module Embedded in the card body, the power module is connected to the graphic code generation module and the display module, the graphic code generation module is used to generate the transaction graphic code based on the user's transaction account information, and the display module is used to display the transaction graphic code.
  • the user can use the transaction card to generate a transaction graphic code in real time to complete the current transaction, which improves the user's transaction efficiency, especially when the terminal device (such as a mobile phone or tablet computer) cannot be carried. ), The user's transaction experience can be improved, and the subsequent payment and other transactions through the transaction graphic code can make the payment process more secure.
  • FIG. 1 is an embodiment of a transaction card of this specification
  • FIG. 2 is another embodiment of a transaction card of this specification
  • FIG. 3 is an embodiment of an information display method of this specification
  • FIG. 4 is a schematic diagram of payment by a transaction card in this specification.
  • FIG. 6 is an embodiment of an information display system of the present specification.
  • 10-card body 20-power module, 21-power button, 30-graphic code generation module, 40-display module, 50-communication module, 60-position module, 70-function button.
  • the embodiments of the present specification provide a transaction card and information display method.
  • an embodiment of the present specification provides a transaction card, which can be used in the process of offline transactions.
  • a user purchases one or more products in a shopping mall. After the purchase is completed, The user arrives at the checkout counter to check out. After the cashier calculates the total price of the goods purchased by the user, he can inform the user of the total price. The user can choose to pay with a transaction card.
  • the merchant can obtain the user's Transaction account information, and initiate a payment request for the user's transaction account to debit the user's transaction account, thereby completing the payment.
  • the transaction card may include a card body 10, a power module 20, a graphic code generating module 30, and a display module 40, where:
  • the external shape of the card body 10 can be various.
  • the card body 10 can present a rectangular rectangle, a rounded rectangle, an oval or a square, etc.
  • the card body 10 can be used with commonly used bank cards or certificates. Cards and other cards have the same external shape, which is not limited in the embodiments of the present specification.
  • the external dimensions of the card body 10 may also be the same as those of commonly used cards such as bank cards or ID cards.
  • the external shape of the card body 10 is a rounded rectangle, and the external dimensions are: the width of the card body 10 is 85.6 mm, the height It is 53.98 mm, the thickness is 0.76 mm, and the corner radius is 3.18 mm.
  • the card body 10 can be formed by casting one or more of plastic, rubber, glass, metal, and resin.
  • the power module 20 may include a battery and a power supply circuit, and the power module 20 may provide power for the transaction card.
  • the battery may be disposed in the card body 10, and the battery may be detached from the card body 10 or fixed in the card body 10.
  • the power supply circuit may include multiple types, such as a short circuit protection circuit, a current limiting circuit, a booster circuit, etc.
  • the power supply circuit may be set according to actual conditions, which is not limited in the embodiments of the present specification.
  • the graphic code generating module 30 may be used to generate a graphic code.
  • the graphic code generating module 30 may include an algorithm (i.e., a graphic code generating algorithm) required to generate a graphic code.
  • the graphic code generating module 30 may generate a graphic code corresponding to the graphic code generating algorithm.
  • the generating mechanism obtains corresponding information, and generates a graphic code based on the obtained information.
  • the information obtained by the graphic code generating module 30 may include the user's transaction account information, and other information required to generate the graphic code, such as verification information.
  • the graphic code generation module 30 may further include a related algorithm or mechanism for generating verification information, which can be used to generate a valid graphic code.
  • the display module 40 may be a module for displaying certain content.
  • the display module 40 may be made of a certain display material.
  • the display module 40 may be an LED display screen or the like.
  • the content displayed by the display module 40 may be based on actual conditions.
  • the display module 40 can display the graphic code, weather, and other data to be displayed.
  • the power module 20, the graphic code generating module 30, and the display module 40 may be embedded in the card body 10, respectively.
  • the power module 20, the graphic code generating module 30, and the display module 40 are opposite to each other in the card body 10. The position can be set according to the actual situation.
  • the card body 10 may also include other relevant information, such as the card serial number of the transaction card, and reminder information (such as information used to prompt the user how to make a payment or related to a graphic code). Information, etc.) and images.
  • a power module 20 can be provided in the transaction card, and each module in the transaction card can be connected to the power module 20, that is, the power module 20 is separately connected to the power module 20
  • the graphic code generating module 30 and the display module 40 are connected, that is, the battery in the power module 20 is connected to the graphic code generating module 30 and the display module 40 through the power supply circuit in the power module 20, respectively.
  • the power module 20 can provide power to the graphic code generating module 30 and the display module 40 through the battery therein and the corresponding circuit in the power supply circuit.
  • the power module 20 can provide power for the graphic code generating module 30 and the display module 40, respectively.
  • the graphic code generating module 30 can work normally under the support of electricity, and generate the graphic code and display module. 40. With the support of electricity, the display screen of the display module 40 can be lit, and the corresponding content can be displayed as required, that is, numbers, characters, and graphics can be displayed.
  • the graphic code generating module 30 may include a graphic code generating mechanism or a generating algorithm, and the graphic code generating mechanism or generating algorithm may be set according to an actual situation.
  • the graphic code generation module 30 may obtain user-related information, such as the user's transaction account information, based on the graphic code generation mechanism and generation algorithm, and then, based on the user's transaction account information, may use the graphic code generation mechanism and generation algorithm. Generate transaction graphic code.
  • the display module 40 may display a transaction graphic code generated by the graphic code generating module 30.
  • the processing method for generating the graphic code of the transaction by the graphic code generating module 30 based on the user's transaction account information may include a variety of methods.
  • the graphic code generating module 30 may be based on the predetermined graphic code when the transaction card is offline. Generating mechanism and algorithm, and user's transaction account information to generate transaction graphic code, or the transaction card can also interact with the server to obtain data related to the generated graphic code, and generate transactions based on the relevant information and the user's transaction account information Graphic code, etc.
  • the transaction graphic code generated by the graphic code generating module 30 may be combined with a word of mouth code or a discount code, etc., to perform corresponding promotional activities and the like.
  • the graphic code generating module 30 may also cache a plurality of transaction graphic codes, which can be used in subsequent payments and other transactions.
  • the power can be turned off in time.
  • Turning off the power output of the power module 20 can include multiple implementations.
  • the power module 20 can use a display timer to control the power module 20 on and off. For example, if the display timer is set to 30 seconds, the display module 40 starts to count when it is powered on and starts to display. After 30 seconds, if the content displayed in the display module has not changed, you can turn off the power module 20, or you can also set the power button 21, as shown in Figure 1, After the user uses the transaction card, he can press the power button 21, and the transaction card can turn off the power module to disconnect the power supply to each module in the transaction card.
  • the transaction card with the above structure can be applied to a variety of practical scenarios, for example, elementary, junior high, or high school. Students may have transaction accounts (such as Alipay accounts, etc.), but do not have terminal devices (such as mobile phones or tablet computers) at any time. In the scenario of carrying around the student, the student can purchase goods through the above transaction card or spend in the cafeteria. Specifically, after the student purchases the goods, the student can go to the checkout counter to check out, and the cashier calculates the total amount of the purchased goods. After the price, the student can be informed of the total price. The student can press the power button 21 in the transaction card. The power module 20 in the transaction card can power the graphic code generation module 30 and the display module 40.
  • the graphic code generation module 30 Obtain the student's transaction account information (such as Alipay account information, etc.), and generate a transaction graphic code accordingly.
  • the display module 40 can display the transaction graphic code.
  • the student can provide the transaction graphic code to the cashier.
  • the code scanning device scans the above transaction graphic code, and based on the relevant information in the transaction graphic code, exchanges the student with the student.
  • Account payment request is initiated to the trading account debits students to complete payment and shopping process.
  • the embodiment of the present specification provides a transaction card, which includes a card body, a power module, a graphic code generating module, and a display module.
  • the power module, the graphic code generating module, and the display module are embedded in the card body, respectively.
  • the code generation module is connected to the display module.
  • the graphic code generation module is used to generate a transaction graphic code based on the user's transaction account information.
  • the display module is used to display the transaction graphic code.
  • Users can use transaction cards to generate transaction graphic codes in real time to complete the current transaction, which improves the user's transaction efficiency, especially when the terminal device (such as a mobile phone or tablet computer) cannot be carried, which can improve the user's transaction experience.
  • the subsequent payment and other transactions through the transaction graphic code can make the payment process more secure.
  • an embodiment of the present specification provides a transaction card, which includes all functional units of the transaction card shown in FIG. 1, and on the basis of which, improvements are made, and the improvements are as follows:
  • the graphic code generation module 30 can periodically change the transaction graphic code. In this way, the transaction graphic code generated by the user at a certain time has a certain validity period. Within the validity period, the transaction code can be passed. Graphic code is used for payment. If the transaction graphic code exceeds the expiration date, the transaction graphic line code cannot be used for payment. This can prevent the transaction graphic code from being intercepted by others and threaten the user's trading account. Therefore, the graphic code generation module 30 A new transaction graphic code is generated every predetermined time period, and the transaction graphic code displayed by the display module 40 is replaced with the new transaction graphic code. The predetermined duration can be set according to the actual situation, such as 30 seconds or 1 minute. In the above manner, the transaction graphic code displayed by the display module 40 can be automatically replaced every predetermined period of time, thereby ensuring the security of the user's transaction account and ensuring that the user can perform normal payment and other transaction operations.
  • a communication module 50 may be provided for the transaction card.
  • the transaction card can perform data transmission with the server and / or terminal equipment.
  • the communication module 50 may include one or more of a Wi-Fi module, a near field communication module, and a radio frequency module.
  • the near field communication module may be a module capable of implementing non-contact point-to-point data transmission between devices, and specifically may be a Bluetooth module, an NFC (Near Field Communication) module, or the like.
  • the radio frequency module may be a module that transmits a certain frequency radio wave to a receiver by a scanner to drive the receiver circuit to output corresponding data.
  • the communication module 50 is also a power consumption module, the communication module 50 can be connected to the power module 20, and the power module 20 can provide power to the communication module 50. Because the main function of the communication module 50 is to send and receive data, and for data processing, the communication module 50 often needs to provide corresponding data to the corresponding module for processing. Therefore, the communication module 50 can also work with the graphic code generation module 30 and the display module. 40-phase connection.
  • the communication module 50 can send a data acquisition request to the server, and can receive the data returned by the server.
  • the communication module 50 (such as an NFC module or a Bluetooth module) can also perform close proximity with a terminal device (such as a mobile phone or tablet computer). Distance data interaction, etc.
  • the communication module 50 may obtain relevant information required for generating a transaction graphic code from a server, such as verification information, and the communication module 50 may send the related information to the graphic code generating module 30 to generate a transaction graphic code online.
  • the graphic code generation module 30 may periodically generate a transaction graphic code, so that the transaction graphic code displayed by the display module 40 dynamically changes, which improves the security of the user's trading account.
  • the communication module 50 can also establish a connection with the user's terminal device by means of near field communication or radio frequency. In this way, the user can conveniently view the relevant information in the transaction card, such as balance information, user personal information, and recent transaction information.
  • the communication module 50 can also obtain information such as word-of-mouth codes or discount codes from the server, and the graphic code generation module 30 can combine information such as word-of-mouth or discount codes to generate transaction graphic codes with discounts and discounts, so that users can participate in corresponding promotions Activities, enjoy corresponding discounts, etc.
  • a positioning module 60 may be set for the transaction card. Since the positioning module 60 is also a power-consuming module, the positioning module 60 can be connected to the power module 20 and can supply power to the positioning module 60 through the power module 20. The positioning module 60 can also be connected to the display module 40. The positioning module 60 can be used to obtain the current position information and display the position information through the display module 40.
  • the positioning module 60 may be a GPS module, a Beidou positioning module, a Galileo positioning module, and the like. The embodiment of the present specification does not limit which positioning module the specific positioning module belongs to.
  • the transaction card in addition to the above modules and the above functions, can also be set with a variety of functions, such as the ability to query the balance, query the historical transaction information, query the weather information, etc. .
  • the above functions can be realized by triggering the function buttons.
  • the transaction card further includes a function button 70.
  • the function button 70 may be one button, or may include multiple buttons.
  • the function keys 70 may be disposed in a designated area or an arbitrary area on the card body 10. For a plurality of function keys 70, the plurality of function keys 70 may be distributed on the card body 10 according to a preset distribution method or randomly.
  • the function button 70 includes one button, different functions can be activated by a preset trigger method. For example, if the function button 70 is pressed once within a predetermined time period (for example, within 3 seconds, etc.), the function button 70 can be activated. The function of querying the balance, if the function button 70 is pressed twice within a predetermined time period (for example, within 3 seconds, etc.), the function of querying historical transaction information can be started. If the function button 70 includes multiple buttons, one button can be set for each function. As shown in Figure 2, the transaction card includes multiple function buttons 70, including function buttons for querying historical transaction information and function buttons for querying balances. , Return button, confirm button and function button for querying weather information. In practical applications, the function button 70 does not only include the above-mentioned multiple function buttons, but may also include other function buttons, which may be specifically set according to actual conditions.
  • the function button 70 can be connected to the power module 20 so that the power module 20 can supply power to the corresponding trigger circuit of the function button 70.
  • the function button 70 can be connected to the display module 40 and the communication module 50.
  • the function button 70 is triggered.
  • the information corresponding to the function button can be requested from the server through the communication module 50, and the information corresponding to the function button is displayed through the display module 40.
  • the transaction card can generate a balance query request, and the query can be made through the communication module 50.
  • the request is sent to the server.
  • the server can obtain the balance information in the user's transaction account and send it to the transaction card.
  • the transaction card receives the balance information through the communication module 50 and can send it to the display module 40 for display. , The user can view the balance information in the trading account.
  • the transaction graphic code generated by the graphic code generation module 30 may include two types. One may be a transaction graphic code for receiving money. The other may be a transaction graphic code for payment. To this end, the graphic code generating module 30 may be used to generate a first transaction graphic code and / or a second transaction graphic code, wherein the second transaction graphic code may be a payment receipt.
  • a graphic code that is, a transaction graphic code for receiving money.
  • the first transaction graphic code is a payment graphic code (that is, a transaction graphic code for payment).
  • the display module 40 can display the transaction graphic code in a predetermined display manner, for example, the first transaction graphic code can be normal. Display, when the second transaction graphic code is displayed, it can be displayed in a gradual manner of brightness, etc., or a switch button for generating a different transaction graphic code can be set. By default, the display module 40 displays the first transaction graphic code. When the switch button is clicked, the display module 40 displays a second transaction graphic code and the like.
  • the graphic code generation module 30 may be used to generate a first transaction graphic code.
  • the transaction card further includes a second transaction graphic code, and the second transaction graphic code is set in a predetermined area of the card body 10.
  • the predetermined area may be any area of the card body 10, and may be specifically set according to actual conditions.
  • the display module 40 and the function keys 70 and the like may be provided on one side of the card body 10, and the second transaction graphic code may be provided on the other side of the card body 10 and the like.
  • the display module 40 may include electronic paper. .
  • the transaction graphic codes (including the first transaction graphic code and the second transaction graphic code) mentioned in the embodiments of the present specification may include multiple types.
  • the transaction graphic code may be a barcode, a two-dimensional code, or a password code.
  • the embodiment of the present specification provides a transaction card, which includes a card body, a power module, a graphic code generating module, and a display module.
  • the power module, the graphic code generating module, and the display module are embedded in the card body, respectively.
  • the code generation module is connected to the display module.
  • the graphic code generation module is used to generate a transaction graphic code based on the user's transaction account information.
  • the display module is used to display the transaction graphic code.
  • Users can use transaction cards to generate transaction graphic codes in real time to complete the current transaction, which improves the transaction efficiency of the user, especially when the terminal device (such as a mobile phone or tablet computer) cannot be carried, which can improve the user's transaction experience.
  • the subsequent payment and other transactions through the transaction graphic code can make the payment process more secure.
  • a transaction card provided by an embodiment of the present specification, including a card body, a power module, a graphic code generation module, and a display module.
  • an embodiment of the present specification also provides an information display method.
  • the execution subject of the method may be the transaction card provided in the foregoing embodiment.
  • the composition structure of the transaction card refer to related content in the foregoing first and second embodiments, and details are not described herein again. As shown in FIG. 3, the method may specifically include the following steps:
  • step S302 the transaction account information of the user is acquired.
  • a user purchases a certain product in a shopping mall and goes to the checkout counter to check out. After the cashier calculates the total price of the product purchased by the user, he can inform the user of the total price, and the user can choose to use
  • the transaction card is used for payment. At this time, the user can press the power button 21 in the transaction card.
  • the power module 20 in the transaction card can supply power to the graphic code generation module 30 and the display module 40.
  • the graphic code generation module 30 can pass The analysis of a preset graphic code generation algorithm needs to obtain relevant information.
  • the related information may include the user's transaction account information (such as Alipay account information, etc.). Then, the graphic code generation module 30 can obtain the user's transaction account information. And other required information.
  • step S304 a transaction graphic code is generated based on the transaction account information.
  • the graphic code generation module 30 in the transaction card may generate a transaction graphic code according to the user's transaction account information and other required information.
  • step S306 the transaction graphic code is displayed.
  • the graphic code generating module 30 may send the generated transaction graphic code to the display module 40, and the display module 40 may display the transaction graphic code.
  • the user may provide the transaction graphic code to the cashier.
  • the cashier can scan the above transaction graphic code through a code scanning device, and initiate a payment request for the user's transaction account based on the relevant information in the transaction graphic code to deduct the user's transaction account to complete the payment and shopping process.
  • the embodiment of the present specification provides an information display method.
  • the information display method can be applied to a transaction card.
  • the transaction card may include a card body, a power module, a graphic code generation module, and a display module, among which: a power module and a graphic code generation module.
  • the display module is embedded in the card body.
  • the power module is connected to the graphic code generation module and the display module.
  • the graphic code generation module is used to generate the transaction graphic code based on the user's transaction account information.
  • the display module is used to display the transaction graphic code.
  • the user can use the transaction card to generate a transaction graphic code in real time to complete the current transaction, which improves the transaction efficiency of the user, especially when it is impossible to carry a terminal device (such as a mobile phone or In the case of a tablet computer, etc.), the user's transaction experience can be improved, and the subsequent payment and other transactions through the transaction graphic code can make the payment process more secure.
  • a terminal device such as a mobile phone or In the case of a tablet computer, etc.
  • the embodiment of the present specification also provides an information display method.
  • the execution subject of the method may be the transaction card provided in the foregoing embodiment.
  • the method may specifically include the following steps:
  • step S502 the transaction account information of the user is acquired.
  • the content of the step S502 is the same as that of the step S302 in the third embodiment.
  • the transaction card may further include a communication module 50.
  • the information display system may be as shown in FIG. 6, and the transaction graphic code may be displayed through the following processing steps from step S504 to step S510.
  • step S504 a graphic code generation request carrying the above transaction account information is sent to the server.
  • step S506 a response message to the graphic code generation request sent by the server is received, and the response message includes verification information required to generate a transaction graphic code.
  • step S508 a transaction graphic code is generated based on the transaction account information and the verification information in the response message.
  • the graphic code generation module 30 in the transaction card may generate a transaction graphic code according to the user's transaction account information, the verification information in the above response message, and other required information.
  • the transaction graphic code may include a first transaction graphic code and a second transaction graphic code.
  • the second transaction graphic code may be a payment graphic code and may be used for receiving money.
  • the first transaction graphic code is a payment graphic code. Can be used for payment.
  • the payment graphic code usually does not pose a threat to the user's trading account. Therefore, the transaction graphic code may only include the first transaction graphic code.
  • step S510 the above transaction graphic code is displayed.
  • the graphic code generation module 30 may send the generated transaction graphic code to the display module 40.
  • the display module 40 may display the transaction graphic code.
  • the user may provide the transaction graphic code to the cashier.
  • the cashier may The code device scans the above transaction graphic code, and initiates a payment request to the user's transaction account based on the relevant information in the transaction graphic code to deduct the user's transaction account, thereby completing the payment and shopping process.
  • the embodiment of the present specification provides an information display method.
  • the information display method can be applied to a transaction card.
  • the transaction card may include a card body, a power module, a graphic code generation module, and a display module, among which: a power module and a graphic code generation module.
  • the display module is embedded in the card body.
  • the power module is connected to the graphic code generation module and the display module.
  • the graphic code generation module is used to generate the transaction graphic code based on the user's transaction account information.
  • the display module is used to display the transaction graphic code.
  • the user can use the transaction card to generate a transaction graphic code in real time to complete the current transaction, which improves the transaction efficiency of the user, especially when it is impossible to carry a terminal device (such as a mobile phone or In the case of a tablet computer, etc.), the user's transaction experience can be improved, and the subsequent payment and other transactions through the transaction graphic code can make the payment process more secure.
  • a terminal device such as a mobile phone or In the case of a tablet computer, etc.
  • a programmable logic device Programmable Logic Device (PLD)
  • PLD Programmable Logic Device
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • VHDL Very-High-Speed Integrated Circuit Hardware Description Language
  • Verilog Verilog
  • the controller may be implemented in any suitable way, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, With the Microchip PIC18F26K20 and Silicone Labs C8051F320, the memory controller can also be implemented as part of the memory's control logic.
  • the controller may take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited
  • controller logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded controllers by logically programming the method steps.
  • Microcontrollers and the like to achieve the same function. Therefore, such a controller can be regarded as a hardware component, and a device included in the controller for implementing various functions can also be regarded as a structure within the hardware component. Or even, the means for implementing various functions may be regarded as a structure that can be both a software module implementing the method and a hardware component.
  • the system, device, module, or unit described in the foregoing embodiments may be specifically implemented by a computer chip or entity, or a product with a certain function.
  • a typical implementation device is a computer.
  • the computer may be, for example, 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 device, a game console, a tablet computer, a wearable device, or A combination of any of these devices.
  • one or more embodiments of the present specification may be provided as a method, a system, or a computer program product. Therefore, one or more embodiments of the present specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Moreover, one or more embodiments of the present specification may adopt a computer program implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code therein. The form of the product.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • Embodiments of the present specification are described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to the embodiments of the present specification. It should be understood that each process and / or block in the flowcharts and / or block diagrams, and combinations of processes and / or blocks in the flowcharts and / or block diagrams can be implemented by computer program instructions.
  • These computer program instructions may 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, so that instructions generated by the processor of the computer or other programmable data processing device may be used to Means for implementing the functions specified in one or more flowcharts and / or one or more blocks of the block diagrams.
  • These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to work in a specific manner such that the instructions stored in the computer-readable memory produce a manufactured article including an instruction device, the instructions
  • the device implements the functions specified in one or more flowcharts and / or one or more blocks of the block diagram.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of steps can be performed on the computer or other programmable device to produce a computer-implemented process, which can be executed on the computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more flowcharts and / or one or more blocks of the block diagrams.
  • a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.
  • processors CPUs
  • input / output interfaces output interfaces
  • network interfaces network interfaces
  • memory volatile and non-volatile memory
  • Memory may include non-persistent memory, random access memory (RAM), and / or non-volatile memory in computer-readable media, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
  • RAM random access memory
  • ROM read-only memory
  • flash RAM flash memory
  • Computer-readable media includes permanent and non-persistent, removable and non-removable media.
  • Information storage can be accomplished by any method or technology.
  • Information may be computer-readable instructions, data structures, modules of a program, 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), and read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transmitting medium may be used to store information that can be accessed by a computing device.
  • computer-readable media does not include temporary computer-readable media, such as modulated data signals and carrier waves.
  • embodiments of the present specification may be provided as a method, a system, or a computer program product. Therefore, one or more embodiments of this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Moreover, one or more embodiments of the present specification may adopt a computer program implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code therein. The form of the product.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • One or more embodiments of the specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • One or more embodiments of the present specification may also be practiced in distributed computing environments in which tasks are performed by remote processing devices connected through a communication network.
  • program modules may be located in local and remote computer storage media, including storage devices.

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Abstract

本说明书实施例公开了一种交易卡和信息显示方法，所述交易卡，包括：卡片本体、电源模块、图形码生成模块和显示模块，其中：所述电源模块、所述图形码生成模块和所述显示模块分别镶嵌于所述卡片本体内，所述电源模块分别与所述图形码生成模块和所述显示模块相连接；所述图形码生成模块用于基于用户的交易账户信息生成交易图形码；所述显示模块用于显示所述交易图形码。

Description

一种交易卡和信息显示方法 技术领域
本说明书涉及计算机技术领域，尤其涉及一种交易卡和信息显示方法。
背景技术
离线支付是指用户在不需要连接网络的情况下进行支付，离线支付一般可以通过用户向支付对象出示身份凭证的方式来进行支付，例如，银行卡，其中可以存储有用户的交易账户信息，用户在刷卡终端处进行刷卡，便可以完成支付。
通过银行卡等离线支付的方式对用户的交易账户的安全级别要求较低，通过刷卡的方式会使得交易账户的相关信息很容易被拦截，从而造成用户的交易账户的损失，而且，当支付卡的余额较少时，需要用户频繁的去指定的网点对支付卡进行充值，浪费用户的大量时间，从而导致进行支付的效率较为低下，因此，在离线支付领域，尤其是不能携带终端设备(如手机或平板电脑等)的常见下，需要一种更稳定、更安全、支付效率更高的方案。
发明内容
本说明书实施例的目的是提供一种交易卡和信息显示方法，以提供一种更稳定、更安全、支付效率更高的方案。
为实现上述技术方案，本说明书实施例是这样实现的：
本说明书实施例提供的一种交易卡，包括：卡片本体、电源模块、图形码生成模块和显示模块，其中：
所述电源模块、所述图形码生成模块和所述显示模块分别镶嵌于所述卡片本体内，所述电源模块分别与所述图形码生成模块和所述显示模块相连接；
所述图形码生成模块用于基于用户的交易账户信息生成交易图形码；
所述显示模块用于显示所述交易图形码。
可选地，所述图形码生成模块每隔预定时长生成新的交易图形码，并使用新的交易图形码替换所述显示模块显示的交易图形码。
可选地，所述交易卡还包括通讯模块，所述通讯模块分别与所述电源模块、所述图形码生成模块和所述显示模块相连接，所述通讯模块用于接收服务器发送的目标信息和/或向所述服务器发送目标请求消息。
可选地，所述通讯模块包括Wi-Fi模块、近场通信模块和射频模块中的一种或多种。
可选地，所述交易卡还包括定位模块，所述定位模块分别与所述电源模块和所述显示模块相连接，所述定位模块用于获取当前所处的位置信息，并通过所述显示模块显示所述位置信息。
可选地，所述交易卡还包括功能按键，所述功能按键分别与所述电源模块、所述显示模块和所述通讯模块相连接，所述功能按键被触发后，通过所述通讯模块向服务器请求所述功能按键对应的信息，并通过所述显示模块显示所述功能按键对应的信息。
可选地，所述图形码生成模块用于生成第一交易图形码和/或第二交易图形码，所述第二交易图形码为收款图形码，所述第一交易图形码为支付图形码。
可选地，所述图形码生成模块用于生成第一交易图形码，所述交易卡中还包括第二交易图形码，所述第二交易图形码设置于所述交易卡的预定区域内。
可选地，所述显示模块为电子纸。
可选地，所述交易图形码为条形码、二维码或口令码。
本说明书实施例提供的一种信息显示方法，所述方法应用于上述实施例提供的交易卡，包括：
获取用户的交易账户信息；
基于所述交易账户信息生成交易图形码；
显示所述交易图形码。
可选地，所述获取用户的交易账户信息之后，所述方法还包括：
向服务器发送携带有所述交易账户信息的图形码生成请求；
接收所述服务器发送的所述图形码生成请求的响应消息，所述响应消息中包括生成交易图形码所需的验证信息；
所述基于所述交易账户信息生成交易图形码，包括：
基于所述交易账户信息和所述响应消息中的所述验证信息，生成交易图形码。
可选地，所述交易图形码包括第一交易图形码和第二交易图形码，所述第二交易图形码为收款图形码，所述第一交易图形码为支付图形码。
可选地，所述交易图形码包括第一交易图形码。
由以上本说明书实施例提供的技术方案可见，本说明书实施例提供一种交易卡，包括：卡片本体、电源模块、图形码生成模块和显示模块，其中：电源模块、图形码生成模块和显示模块分别镶嵌于卡片本体内，电源模块分别与图形码生成模块和显示模块相连接，图形码生成模块用于基于用户的交易账户信息生成交易图形码，显示模块用于显示该交易图形码，这样，通过在交易卡内设置图形码生成模块，使得用户可以使用交易卡实时生成交易图形码，以完成当前的交易，提高了用户的交易效率，尤其是在无法携带终端设备(如手机或平板电脑等)的情况下，可以提高用户的交易体验，而且，通过交易图形码进行后续的支付等交易，可以使得支付过程更加安全。
附图说明
为了更清楚地说明本说明书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说明书中记载的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本说明书一种交易卡实施例；
图2为本说明书另一种交易卡实施例；
图3为本说明书一种信息显示方法实施例；
图4为本说明书一种通过交易卡进行支付的示意图；
图5为本说明书另一种信息显示方法实施例；
图6为本说明书一种信息显示系统实施例。
图例说明：
10-卡片本体，20-电源模块，21-电源按键，30-图形码生成模块，40-显示模块，50-通讯模块，60-定位模块，70-功能按键。
具体实施方式
本说明书实施例提供一种交易卡和信息显示方法。
为了使本技术领域的人员更好地理解本说明书中的技术方案，下面将结合本说明书实施例中的附图，对本说明书实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本说明书一部分实施例，而不是全部的实施例。基于本说明书中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都应当属于本说明书保护的范围。
实施例一
如图1所示，本说明书实施例提供一种交易卡，该交易卡可以用于进行线下交易的过程中，例如，某用户在某商场选购了一个或多个商品，选购完成后，该用户到达收银台进行结账，收银员计算该用户选购的商品的总价后，可以告知该用户总价，该用户可以选择使用交易卡进行支付，通过交易卡，商户可以获取该用户的交易账户信息，并对该用户的交易账户发起支付请求，以对该用户的交易账户进行扣款，从而完成支付。
该交易卡可以包括卡片本体10、电源模块20、图形码生成模块30和显示模块40，其中：
该卡片本体10的外形形状可以多种多样，例如，卡片本体10可以呈现直角矩形、圆角矩形、椭圆形或方形等，本说明书实施例中，卡片本体10可以与常用的如银行卡或证件卡等卡片的外形形状相同，本说明书实施例对此不做限定。卡片本体10的外形尺寸也可以与常用的如银行卡或证件卡等卡片的外形尺寸相同，如卡片本体10的外形形状为圆角矩形，外形尺寸为：卡片本体10的宽度为85.6毫米、高度为53.98毫米、厚度为0.76毫米、圆角半径为3.18毫米等。该卡片本体10可以由塑料、橡胶、玻璃、金属和树脂等材料中的一种或多种铸造成型。
电源模块20中可以包括电池和供电电路，电源模块20可以为该交易卡提供电量。电池可以设置于卡片本体10内，电池可以从卡片本体10中拆卸，也可以固定在卡片本体10内。供电电路可以包括多种，例如短路保护电路、限流电路、升压电路等，供电电路可以根据实际情况进行设定，本说明书实施例对此不做限定。
图形码生成模块30可以用于生成图形码，图形码生成模块30中可以包括生成图形码所需要的算法(即图形码生成算法)，图形码生成模块30可以根据图形码生成算法对应的图形码生成机制，获取相应的信息，并基于获取的信息生成图形码。其中图形码 生成模块30获取的信息中可以包括用户的交易账户信息，以及其它生成图形码所需要的信息，如验证信息等。对于生成图形码还需要验证信息的情况，图形码生成模块30中还可以包括验证信息生成的相关算法或机制，可以用于生成有效的图形码。
显示模块40可以是用于显示某些内容的模块，显示模块40可以是由某种显示材料制作而成，例如，显示模块40可以是LED显示屏等，显示模块40显示的内容可以根据实际情况设定，例如，显示模块40可以显示上述图形码、天气，以及其它需要显示的数据等。
如图1所示，电源模块20、图形码生成模块30和显示模块40可以分别镶嵌于卡片本体10内，而且，电源模块20、图形码生成模块30和显示模块40在卡片本体10内的相对位置可以根据实际情况设定。另外，卡片本体10内除了可以包括上述模块外，卡片本体10上还可以包括其它相关信息，例如交易卡的卡片序列号、提示信息(如用于提示用户如何进行支付的信息或图形码的相关信息等)和图像等。
由于该交易卡中的每个模块的运转都需要电力支撑，因此，交易卡中可以设置电源模块20，并且，交易卡中的每个模块可以与电源模块20相连接，即电源模块20分别与图形码生成模块30和显示模块40相连接，也即是电源模块20中的电池通过电源模块20中的供电电路分别与图形码生成模块30和显示模块40相连接。通过上述连接，电源模块20可以通过其中的电池，以及供电电路中的相应电路，分别为图形码生成模块30和显示模块40提供电量。例如，用户在使用该交易卡时，电源模块20可以分别为图形码生成模块30和显示模块40提供电量，图形码生成模块30在电力的支撑下，可以正常工作，并生成图形码，显示模块40在电力的支撑下，可以点亮显示模块40的显示屏，并可以根据需要显示相应的内容，即可以显示数字、文字和图形等。
如上所述，图形码生成模块30中可以包括图形码的生成机制或生成算法，该图形码的生成机制或生成算法，可以根据实际情况设定。图形码生成模块30可以基于图形码的生成机制和生成算法，获取与用户相关的信息，如该用户的交易账户信息，然后，可以通过图形码的生成机制和生成算法，基于用户的交易账户信息生成交易图形码。显示模块40可以显示图形码生成模块30生成的交易图形码。
需要说明的是，图形码生成模块30基于用户的交易账户信息生成交易图形码的处理方式可以包括多种，例如，图形码生成模块30可以在交易卡处于离线状态时，基于预定的图形码的生成机制和生成算法，以及用户的交易账户信息生成交易图形码，或者，交易卡还可以与服务器进行数据交互，获取生成图形码的相关信息，并基于该相关信息 和用户的交易账户信息生成交易图形码等。此外，还可以将图形码生成模块30生成的交易图形码与如口碑码或优惠码等进行结合，进行相应的促销活动等。另外，在离线的情况下，图形码生成模块30中还可以缓存有多个交易图形码，可以用于后续的支付等交易中。
此外，为了节省交易卡的电量输出，在用户使用完成交易卡后，可以及时将电源关闭。关闭电源模块20的电量输出，可以包括多种实现方式，例如，电源模块20可以采用显示计时器来控制电源模块20的开启与关闭，例如，设置显示计时器为30秒钟，则在显示模块40通电并开始显示时开始计时，当到达30秒钟后，如果显示模块中显示的内容一直没有发生变化，则可以关闭电源模块20，或者，还可以设置电源按键21，如图1所示，当用户使用完成交易卡后，可以按压电源按键21，交易卡可以关闭电源模块，以断开对交易卡中各个模块的供电。
上述结构的交易卡可以应用于多种实际场景下，例如，小学、初中或高中等学校，学生可能拥有交易账户(如支付宝账户等)，但却没有终端设备(如手机或平板电脑等)随时携带在学生身边的场景下，学生可以通过上述交易卡购买商品或在食堂进行消费等，具体地，学生选购商品后，该学生可以到达收银台进行结账，收银员计算选购的商品的总价后，可以告知该学生总价，该学生可以按压交易卡中的电源按键21，交易卡中的电源模块20可以分别为图形码生成模块30和显示模块40供电，同时，图形码生成模块30获取该学生的交易账户信息(如支付宝账户信息等)，并依此生成交易图形码，显示模块40可以显示该交易图形码，该学生可以将该交易图形码提供给收银员，收银员可以通过扫码设备扫描上述交易图形码，并基于该交易图形码中的相关信息对该学生的交易账户发起支付请求，以对该学生的交易账户进行扣款，从而完成支付及购物过程。
除了可以应用于学校外，还可以应用于如健身房、游乐园等特定的不能携带终端设备的封闭环境下，或者，国外游客到国内旅游的场景下，或者在一些信用卡持有率特别高的国家或城市的场景下等，本说明书实施例对此不做限定。
本说明书实施例提供一种交易卡，包括：卡片本体、电源模块、图形码生成模块和显示模块，其中：电源模块、图形码生成模块和显示模块分别镶嵌于卡片本体内，电源模块分别与图形码生成模块和显示模块相连接，图形码生成模块用于基于用户的交易账户信息生成交易图形码，显示模块用于显示该交易图形码，这样，通过在交易卡内设置图形码生成模块，使得用户可以使用交易卡实时生成交易图形码，以完成当前的交易，提高了用户的交易效率，尤其是在无法携带终端设备(如手机或平板电脑等)的情况下， 可以提高用户的交易体验，而且，通过交易图形码进行后续的支付等交易，可以使得支付过程更加安全。
实施例二
如图2所示，本说明书实施例提供一种交易卡，该交易卡包含了图1所示的交易卡的全部功能单元，并在其基础上，对其进行了改进，改进内容如下：
为了保证用户的交易账户的安全性，图形码生成模块30可以周期性的更换交易图形码，这样，用户某一时刻生成的交易图形码具有一定的有效期限，在有效期限内，可以通过该交易图形码进行支付，如果交易图形码超出了有效期限，则无法使用该交易图行码进行支付，从而可以防止交易图形码被他人拦截而对用户的交易账户构成威胁，因此，图形码生成模块30每隔预定时长生成新的交易图形码，并使用新的交易图形码替换显示模块40显示的交易图形码。其中，预定时长可以根据实际情况设定，具体如30秒钟或1分钟等。通过上述方式，显示模块40显示的交易图形码可以每隔预定时长自动更换一次，从而既保证了用户的交易账户的安全，也保证了用户能够进行正常的支付等交易操作。
另外，为了使得交易卡能够与外部设备进行数据交互，可以为交易卡设置通讯模块50。通过通讯模块50，交易卡可以与服务器和/或终端设备之间进行数据传输，为此，通讯模块50可以包括Wi-Fi模块、近场通信模块和射频模块中的一种或多种。其中，近场通信模块可以是能够实现设备之间进行非接触式点对点的数据传输的模块，具体可以如蓝牙模块、NFC(Near Field Communication，近场通信)模块等。射频模块可以是由扫描器发射某一特定频率的无线电波给接收器，用以驱动接收器电路将相应的数据输出的模块。
由于通讯模块50也是耗电模块，因此，通讯模块50可以与电源模块20相连接，电源模块20可以为通讯模块50提供电量。由于通讯模块50的主要作用是收发数据，而对数据的处理，通讯模块50往往需要将相应的数据提供给对应的模块进行处理，因此，通讯模块50还可以与图形码生成模块30和显示模块40相连接。通讯模块50可以向服务器发送某数据的获取请求，并可以接收服务器返回的数据，或者，通讯模块50(如NFC模块或蓝牙模块等)还可以与终端设备(如手机或平板电脑等)进行近距离的数据交互等。
在实际应用中，通讯模块50可以从服务器获取生成交易图形码所需要的相关信息， 如验证信息等，通讯模块50可以将该相关信息发送给图形码生成模块30，以便在线生成交易图形码。此外，如上所述，图形码生成模块30可以周期性的生成交易图形码，从而显示模块40显示的交易图形码呈现动态变化，提高了用户交易账户的安全性。通讯模块50还可以通过近场通信或射频的方式与用户的终端设备建立连接，这样，可以方便用户及时查看交易卡中的相关信息，例如余额信息、用户个人信息和最近的交易信息等。此外，通讯模块50还可以从服务器获取如口碑码或优惠码等，图形码生成模块30可以结合口碑码或优惠码等信息，生成具有优惠减免的交易图形码，从而可以使得用户参与相应的促销活动，享受相应的优惠减免等。
此外，为了及时查找丢失的交易卡，或者，查找携带某交易卡的用户(如老年人等)等，可以为交易卡设置定位模块60。由于定位模块60也是耗电模块，因此，定位模块60可以与电源模块20相连接，可以通过电源模块20为定位模块60进行供电。定位模块60还可以与显示模块40相连接，定位模块60可以用于获取当前所处的位置信息，并通过显示模块40显示上述位置信息。定位模块60可以是GPS模块、北斗定位模块、伽利略定位模块等，本说明书实施例对定位模块具体属于哪种定位模块不做限定。
另外，为了丰富交易卡的功能，交易卡除了可以包括上述模块和实现上述功能外，还可以设置多种功能，如可以设置查询余额的功能、查询历史交易信息的功能、查询天气信息的功能等。而实现上述功能，可以通过功能按键的方式触发实现，具体地，交易卡中还包括功能按键70，该功能按键70可以是一个按键，也可以包括多个按键。功能按键70可以设置于卡片本体10上的指定区域内或者任意区域内，对于多个功能按键70的情况，多个功能按键70可以根据预先设定的分布方式或随机分布在卡片本体10上。
在实际应用中，如果功能按键70包括一个按键，则可以通过预先设定的触发方式启动不同的功能，例如，如果在预定时长(如3秒内等)内按压一次功能按键70，则可以启动查询余额的功能，如果在预定时长(如3秒内等)内按压两次功能按键70，则可以启动查询历史交易信息的功能等。如果功能按键70包括多个按键，则可以为每个功能设置一个按键，如图2所示，交易卡中包括多个功能按键70，其中包括查询历史交易信息的功能按键、查询余额的功能按键、返回按键、确认按键和查询天气信息的功能按键等。在实际应用中，功能按键70并不单单包括上述多个功能按键，还可以包括其它功能按键，具体可以根据实际情况设定。
此外，该功能按键70可以与电源模块20相连接，以便电源模块20为功能按键70的相应触发电路进行供电，同时，该功能按键70可以与显示模块40和通讯模块50相 连接，这样，当用户按压功能按键70时，功能按键70被触发，此时，可以通过通讯模块50向服务器请求功能按键对应的信息，并通过显示模块40显示功能按键对应的信息。例如，如图2所示，如果用户需要查询交易账户的余额信息，则用户可以点按查询余额的功能按键，此时，交易卡可以生成余额的查询请求，并可以通过通讯模块50将该查询请求发送给服务器，服务器可以获取该用户的交易账户中的余额信息，并将其发送给交易卡，交易卡通过通讯模块50接收该余额信息，并可以将其发送给显示模块40进行显示，这样，用户就可以查看到交易账户中的余额信息。
另外，考虑到在交易的过程中，通常会存在付款和收款的情况，因此，图形码生成模块30生成的交易图形码可以包括两种，一种可以是用于收款的交易图形码，另一种可以是用于付款的交易图形码，为此，图形码生成模块30可以用于生成第一交易图形码和/或第二交易图形码，其中，第二交易图形码可以为收款图形码(即用于收款的交易图形码)，第一交易图形码为支付图形码(即用于付款的交易图形码)。
如果图形码生成模块30可以用于生成第一交易图形码和第二交易图形码，显示模块40在显示交易图形码时，可以通过预定的显示方式进行区别显示，例如第一交易图形码可以正常显示，显示第二交易图形码时，可以以亮度渐变的方式显示等，或者，可以设置生成不同交易图形码的切换按键，在默认的情况下，显示模块40显示第一交易图形码，当用户点按该切换按键时，显示模块40显示第二交易图形码等。
此外，考虑到用于收款的交易图形码(即收款图形码)往往不会对用户的交易账户构成威胁，因此，收款图形码可以固定设置于交易卡上，因此，图形码生成模块30可以用于生成第一交易图形码，交易卡中还包括第二交易图形码，第二交易图形码设置于该卡片本体10的预定区域内。其中，预定区域可以是卡片本体10的任意区域，具体可以根据实际情况设定。例如，显示模块40和功能按键70等可以设置于卡片本体10的一侧，第二交易图形码可以设置于卡片本体10的另一侧等。
另外，为了使得交易卡在外观上与其它卡片尽可能相同，在选取显示模块40时，可以尽可能的选用较薄的显示部件，为此，本说明书实施例中，显示模块30可以包括电子纸。
此外，本说明书实施例提到的交易图形码(包括第一交易图形码和第二交易图形码)可以包括多种，如交易图形码可以为条形码、二维码或口令码等。
本说明书实施例提供一种交易卡，包括：卡片本体、电源模块、图形码生成模块和 显示模块，其中：电源模块、图形码生成模块和显示模块分别镶嵌于卡片本体内，电源模块分别与图形码生成模块和显示模块相连接，图形码生成模块用于基于用户的交易账户信息生成交易图形码，显示模块用于显示该交易图形码，这样，通过在交易卡内设置图形码生成模块，使得用户可以使用交易卡实时生成交易图形码，以完成当前的交易，提高了用户的交易效率，尤其是在无法携带终端设备(如手机或平板电脑等)的情况下，可以提高用户的交易体验，而且，通过交易图形码进行后续的支付等交易，可以使得支付过程更加安全。
实施例三
以上为本说明书实施例提供的一种交易卡，包括卡片本体、电源模块、图形码生成模块和显示模块，基于该交易卡及其组成结构，本说明书实施例还提供一种信息显示方法，该方法的执行主体可以为上述实施例提供的交易卡，该交易卡的组成结构可以参见上述实施例一和实施例二中的相关内容，在此不再赘述。如图3所示，该方法具体可以包括以下步骤：
在步骤S302中，获取用户的交易账户信息。
在实施中，例如，某用户在某商场选购了某商品，并到收银台进行结账，收银员计算该用户选购的商品的总价后，可以告知该用户总价，该用户可以选择使用交易卡进行支付，此时，该用户可以按压交易卡中的电源按键21，交易卡中的电源模块20可以分别为图形码生成模块30和显示模块40供电，同时，图形码生成模块30可以通过预先设定的图形码生成算法分析需要获取相关信息，该相关信息中可以包括该用户的交易账户信息(如支付宝账户信息等)，然后，图形码生成模块30可以获取该用户的交易账户信息，以及其它所需的信息等。
在步骤S304中，基于上述交易账户信息生成交易图形码。
在实施中，交易卡中的图形码生成模块30可以根据该用户的交易账户信息，以及其它所需的信息生成交易图形码。
在步骤S306中，显示上述交易图形码。
在实施中，图形码生成模块30可以将生成的交易图形码发送给显示模块40，显示模块40可以显示该交易图形码，如图4所示，该用户可以将该交易图形码提供给收银员，收银员可以通过扫码设备扫描上述交易图形码，并基于该交易图形码中的相关信息对该用户的交易账户发起支付请求，以对该用户的交易账户进行扣款，从而完成支付及 购物过程。
本说明书实施例提供一种信息显示方法，该信息显示方法可以应用于交易卡，该交易卡可以包括：卡片本体、电源模块、图形码生成模块和显示模块，其中：电源模块、图形码生成模块和显示模块分别镶嵌于卡片本体内，电源模块分别与图形码生成模块和显示模块相连接，图形码生成模块用于基于用户的交易账户信息生成交易图形码，显示模块用于显示该交易图形码，这样，通过在交易卡内设置图形码生成模块，使得用户可以使用交易卡实时生成交易图形码，以完成当前的交易，提高了用户的交易效率，尤其是在无法携带终端设备(如手机或平板电脑等)的情况下，可以提高用户的交易体验，而且，通过交易图形码进行后续的支付等交易，可以使得支付过程更加安全。
实施例四
本说明书实施例还提供一种信息显示方法，该方法的执行主体可以为上述实施例提供的交易卡，该交易卡的组成结构可以参见上述实施例一和实施例二中的相关内容，在此不再赘述。如图5所示，该方法具体可以包括以下步骤：
在步骤S502中，获取用户的交易账户信息。
上述步骤S502的步骤内容与上述实施例三中的步骤S302的步骤内容相同，步骤S502的具体处理过程可以参见上述实施例三中步骤S302的相关内容，在此不再赘述。
交易卡中还可以包括通讯模块50，相应的，信息显示系统可以如图6所示，并可以通过以下步骤S504～步骤S510的处理过程显示交易图形码。
在步骤S504中，向服务器发送携带有上述交易账户信息的图形码生成请求。
在步骤S506中，接收服务器发送的上述图形码生成请求的响应消息，该响应消息中包括生成交易图形码所需的验证信息。
在步骤S508中，基于上述交易账户信息和上述响应消息中的验证信息，生成交易图形码。
在实施中，交易卡中的图形码生成模块30可以根据该用户的交易账户信息、上述响应消息中的验证信息，以及其它所需的信息生成交易图形码。
需要说明的是，交易图形码可以包括第一交易图形码和第二交易图形码，第二交易图形码可以为收款图形码，可以用于收款，第一交易图形码为支付图形码，可以用于支付。此外，收款图形码通常不会对用户的交易账户构成威胁，因此，交易图形码还可以 只包括第一交易图形码。
在步骤S510中，显示上述交易图形码。
在实施中，图形码生成模块30可以将生成的交易图形码发送给显示模块40，显示模块40可以显示该交易图形码，该用户可以将该交易图形码提供给收银员，收银员可以通过扫码设备扫描上述交易图形码，并基于该交易图形码中的相关信息对该用户的交易账户发起支付请求，以对该用户的交易账户进行扣款，从而完成支付及购物过程。
本说明书实施例提供一种信息显示方法，该信息显示方法可以应用于交易卡，该交易卡可以包括：卡片本体、电源模块、图形码生成模块和显示模块，其中：电源模块、图形码生成模块和显示模块分别镶嵌于卡片本体内，电源模块分别与图形码生成模块和显示模块相连接，图形码生成模块用于基于用户的交易账户信息生成交易图形码，显示模块用于显示该交易图形码，这样，通过在交易卡内设置图形码生成模块，使得用户可以使用交易卡实时生成交易图形码，以完成当前的交易，提高了用户的交易效率，尤其是在无法携带终端设备(如手机或平板电脑等)的情况下，可以提高用户的交易体验，而且，通过交易图形码进行后续的支付等交易，可以使得支付过程更加安全。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
在20世纪90年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device，PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言 来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本说明书一个或多个实施例时可以把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本说明书的实施例可提供为方法、系统、或计算机程序产品。因此，本说明书一个或多个实施例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，本说明书一个或多个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。
本说明书的实施例是参照根据本说明书实施例的方法、设备(系统)、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。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑 可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本说明书的实施例可提供为方法、系统或计算机程序产品。因此，本说明书一个或多个实施例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，本说明书一个或多个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。
本说明书一个或多个实施例可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本说明书一个或多个实施例，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
以上所述仅为本说明书的实施例而已，并不用于限制本说明书。对于本领域技术人员来说，本说明书可以有各种更改和变化。凡在本说明书的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本说明书的权利要求范围之内。

Claims (14)

  1. 一种交易卡，包括：卡片本体、电源模块、图形码生成模块和显示模块，其中：
    所述电源模块、所述图形码生成模块和所述显示模块分别镶嵌于所述卡片本体内，所述电源模块分别与所述图形码生成模块和所述显示模块相连接；
    所述图形码生成模块用于基于用户的交易账户信息生成交易图形码；
    所述显示模块用于显示所述交易图形码。
  2. 根据权利要求1所述的交易卡，所述图形码生成模块每隔预定时长生成新的交易图形码，并使用新的交易图形码替换所述显示模块显示的交易图形码。
  3. 根据权利要求1所述的交易卡，所述交易卡还包括通讯模块，所述通讯模块分别与所述电源模块、所述图形码生成模块和所述显示模块相连接，所述通讯模块用于接收服务器发送的目标信息和/或向所述服务器发送目标请求消息。
  4. 根据权利要求3所述的交易卡，所述通讯模块包括Wi-Fi模块、近场通信模块和射频模块中的一种或多种。
  5. 根据权利要求3所述的交易卡，所述交易卡还包括定位模块，所述定位模块分别与所述电源模块和所述显示模块相连接，所述定位模块用于获取当前所处的位置信息，并通过所述显示模块显示所述位置信息。
  6. 根据权利要求3所述的交易卡，所述交易卡还包括功能按键，所述功能按键分别与所述电源模块、所述显示模块和所述通讯模块相连接，所述功能按键被触发后，通过所述通讯模块向服务器请求所述功能按键对应的信息，并通过所述显示模块显示所述功能按键对应的信息。
  7. 根据权利要求3所述的交易卡，所述图形码生成模块用于生成第一交易图形码和/或第二交易图形码，所述第二交易图形码为收款图形码，所述第一交易图形码为支付图形码。
  8. 根据权利要求3所述的交易卡，所述图形码生成模块用于生成第一交易图形码，所述交易卡中还包括第二交易图形码，所述第二交易图形码设置于所述交易卡的预定区域内。
  9. 根据权利要求3所述的交易卡，所述显示模块为电子纸。
  10. 根据权利要求3所述的交易卡，所述交易图形码为条形码、二维码或口令码。
  11. 一种信息显示方法，所述方法应用于所述权利要求1-10中任一项所述的交易卡，包括：
    获取用户的交易账户信息；
    基于所述交易账户信息生成交易图形码；
    显示所述交易图形码。
  12. 根据权利要求11所述的方法，所述获取用户的交易账户信息之后，所述方法还包括：
    向服务器发送携带有所述交易账户信息的图形码生成请求；
    接收所述服务器发送的所述图形码生成请求的响应消息，所述响应消息中包括生成交易图形码所需的验证信息；
    所述基于所述交易账户信息生成交易图形码，包括：
    基于所述交易账户信息和所述响应消息中的所述验证信息，生成交易图形码。
  13. 根据权利要求11或12所述的方法，所述交易图形码包括第一交易图形码和第二交易图形码，所述第二交易图形码为收款图形码，所述第一交易图形码为支付图形码。
  14. 根据权利要求13所述的方法，所述交易图形码包括第一交易图形码。
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