WO2020024769A1 - 支付方式的推荐方法、装置及介质 - Google Patents

支付方式的推荐方法、装置及介质 Download PDF

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Publication number
WO2020024769A1
WO2020024769A1 PCT/CN2019/094926 CN2019094926W WO2020024769A1 WO 2020024769 A1 WO2020024769 A1 WO 2020024769A1 CN 2019094926 W CN2019094926 W CN 2019094926W WO 2020024769 A1 WO2020024769 A1 WO 2020024769A1
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Prior art keywords
payment
user
payment method
current order
bank card
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PCT/CN2019/094926
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English (en)
French (fr)
Inventor
雷雯
吴莹
邹毅
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京东数字科技控股有限公司
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Publication of WO2020024769A1 publication Critical patent/WO2020024769A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • 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
    • G06Q20/387—Payment using discounts or coupons

Definitions

  • the present disclosure relates to the field of Internet technologies, and in particular, to a method, device, and medium for recommending a payment method.
  • the inventors found that at least the following problems exist in the prior art: among the multiple payment methods recommended by the system by default, there may only be one that is frequently used by users, but the system is It is recommended to recommend a variety of system defaults. This may cause the user to make a wrong selection when selecting the payment method he wants, and the order details are not displayed on the payment interface. If the user needs to view the details of the order, he must exit the payment Only the interface can view the details of the order, which reduces the user experience.
  • the present disclosure provides a method, device, and medium for recommending payment methods, which at least partially solves one or more problems caused by the limitations and defects of the related technology.
  • a first aspect of the present disclosure provides a method of recommending a payment method, including: determining a currently recommended payment method to a user based on a user's historical payment behavior; determining details of a current order according to a current order number; On the interface, details of the payment method and / or the current order are displayed.
  • the method further includes: judging whether a preferential activity exists in a default payment method of the system; if so, recommending the payment method including the preferential activity to the user first.
  • displaying the payment method on the payment interface includes displaying the payment method determined according to the historical behavior of the user and the payment method including the preferential activity on the payment interface.
  • the method when the payment method including the preferential activity is bank card online and / or credit card installment, the method further includes: if the user's bank card information is not in the system, receiving the Bank card information input by the user; judging whether there is any preferential activity in the bank card information input by the user; if there is, displaying the amount of the current order discount on the payment interface.
  • the details of the current order include any one or more of the following: information of the product, information on the discount of the product, shipping information of the product, the shipping address of the product, and information of the recipient.
  • a second aspect of the present disclosure provides a method for recommending a payment method, including: a first determination module for determining a payment method currently recommended to the user according to a user's historical payment behavior; a second determination module for The details of the current order are determined according to the current order number.
  • the first display module is used to display the details of the payment method and / or the current order on the payment interface.
  • the device further includes: a first judgment module for judging whether a preferential activity exists in a default payment method of the system; and a recommendation module, if it exists, preferentially recommends to the user that the preferential activity is included. payment method.
  • the first display module is further configured to display, on the payment interface, a payment method determined according to the historical behavior of the user and a payment method including the preferential activity.
  • the device when the payment method including the preferential activity is bank card online and / or credit card installment, the device further includes: a receiving module, if the user's bank card information is not in the system, Receiving bank card information input by the user; a second judgment module for judging whether a preferential activity exists for the bank card information entered by the user; a second display module, if it exists, displaying the current on the payment interface Amount after order discount.
  • the details of the current order include any one or more of the following: information of the product, information on the discount of the product, shipping information of the product, the shipping address of the product, and information of the recipient.
  • a third aspect of the present disclosure provides a recommendation device for a payment method, including: one or more processors, and a storage device.
  • the storage device is used to store one or more programs. Wherein, when the one or more programs are executed by the one or more processors, the one or more processors are caused to execute the recommended method of the payment method as described above.
  • a fourth aspect of the present disclosure provides a computer-readable medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform a recommended method of payment method as described above.
  • a fifth aspect of the present disclosure provides a computer program including computer-executable instructions that, when executed, implement a method of recommending a payment method.
  • the current payment method recommended to the user can be determined based on the user's historical payment behavior, which at least partially solves the problem that when the system recommends multiple payment methods by default for the user in the prior art, The wrong selection problem occurs, so that the user can complete the payment quickly. And on the payment interface, details of the payment method and / or the current order are displayed, so that the user can confirm the order without having to exit the payment interface to view, thereby improving the user experience.
  • FIG. 1 schematically illustrates a flowchart of a method for recommending a payment method according to an embodiment of the present disclosure
  • FIG. 2 schematically illustrates a flowchart of a method for recommending a payment method according to another embodiment of the present disclosure
  • FIG. 3 schematically illustrates a flowchart of a method for recommending a payment method according to another embodiment of the present disclosure
  • FIG. 4 schematically illustrates a block diagram of a recommendation method for a payment method according to an embodiment of the present disclosure
  • FIG. 5 schematically illustrates a block diagram of a recommendation apparatus for a payment method according to another embodiment of the present disclosure
  • FIG. 6 schematically illustrates a block diagram of a recommendation apparatus for a payment method according to another embodiment of the present disclosure
  • FIG. 7 schematically illustrates a block diagram of a computer system of a recommendation method for a payment method according to an embodiment of the present disclosure.
  • An embodiment of the present disclosure provides a method for recommending a payment method, including: determining a currently recommended payment method to a user according to a user's historical payment behavior; determining details of a current order according to a current order number; and on a payment interface Showing details of the payment method and / or the current order.
  • the current payment method recommended to the user can be determined according to the user's historical payment behavior, which at least partially solves the problem that when the system recommends multiple payment methods by default for the user to choose The wrong selection problem occurs, so that the user can complete the payment quickly. And on the payment interface, details of the payment method and / or the current order are displayed, so that the user can confirm the order without having to exit the payment interface to view, thereby improving the user experience.
  • FIG. 1 schematically illustrates a flowchart of a method for recommending a payment method according to an embodiment of the present disclosure.
  • the method for recommending a payment method includes steps S101 to S103.
  • step S101 a payment method currently recommended to the user is determined according to a user's historical payment behavior.
  • step S102 details of the current order are determined according to the current order number.
  • step S103 on the payment interface, details of the payment method and / or the current order are displayed.
  • This method can determine the currently recommended payment method based on the user's historical payment behavior, which at least partially solves the problem of wrong selection when the system recommends multiple payment methods by default in the prior art, thereby enabling users to quickly Complete payment. And on the payment interface, the payment method and / or the details of the current order are displayed, so that the user can confirm the order without having to exit the payment interface to view, thereby improving the user experience.
  • the historical payment behavior of the user may be a payment method selected on the payment interface when the user last made a purchase. It can also be the payment method used by the user over a period of time.
  • the currently recommended payment method for the user may be the same payment method as the user's last payment method.
  • the currently recommended payment method to the user may be the payment method that the user has selected the most times during the period.
  • the current order number may be an order number generated based on a product currently purchased by the user. Therefore, according to the current order number, the details of the current order can be queried in the order system, and the details of the current order can be displayed on the payment interface.
  • the current order details may include any one or more of the following: product information, product discount information, product shipping information, product shipping address, and recipient information.
  • this method may be used to display a payment method determined according to the user ’s historical payment behavior and / or a current order number on the payment interface. Details of the current order.
  • the current order details can be displayed directly on the payment interface, or the current order details can be displayed after the user clicks on the control. For example, if the payment interface is displayed on a mobile phone screen, in this case, the details of the current order can be hidden and displayed when the user clicks on a control of the payment interface. As another example, if the payment interface is displayed on a computer screen, in this case, the details of the current order can be directly displayed on the computer screen, thereby realizing the intelligent display of the details of the current order.
  • FIG. 2 schematically illustrates a flowchart of a method for recommending a payment method according to another embodiment of the present disclosure.
  • the above method further includes steps S201 and S202.
  • step S201 it is determined whether a preferential activity exists in a default payment method of the system.
  • step S202 if there is a preferential activity in the default payment method of the system, the user preferentially recommends the payment method including the preferential activity.
  • This method can recommend the current payment method to the user according to the preferential status of the default payment method of the system, which can reduce the payment amount for the user and further improve the user experience.
  • the default payment methods of the system include: bank card online, credit card installment, small loan, balance, VA transfer, bank card transfer, convenience store payment, white bar, and authentication payment.
  • bank card online credit card installment
  • small loan balance
  • VA transfer bank card transfer
  • banking card transfer convenience store payment
  • white bar white bar
  • authentication payment authentication payment.
  • the currently recommended payment method for the user may be “Bank Card Online”.
  • the currently recommended payment methods for users may be “Bank Card Online” and “Credit Card Installment”.
  • displaying the currently recommended payment method on the payment interface may include: displaying the payment method determined according to the historical behavior of the user and the payment including the preferential activity on the payment interface. the way.
  • the user may preferentially recommend the payment method including the preferential activity, or the user may recommend the payment method determined according to the user's historical behavior and the payment method including the preferential activity.
  • FIG. 3 schematically illustrates a flowchart of a method for recommending a payment method according to another embodiment of the present disclosure.
  • the above method further includes steps S301 to S303.
  • step S301 if there is no bank card information of the user in the system, the bank card information input by the user is received.
  • step S302 it is determined whether there is a preferential activity in the bank card information input by the user.
  • step S303 if there is a preferential activity in the bank card information input by the user, the amount after the discount of the current order is displayed on the payment interface.
  • this method if there is no bank card information of the user in the system, it is determined whether there is a preferential activity in the bank card information entered by the user. If there is a preferential activity in the bank card information entered by the user, the current order discount is displayed on the payment interface. To a certain extent, this makes the user more like the payment method in the future, and then promotes the payment method.
  • the above-mentioned bank card information may be the name of the bank, the card number of the bank card, the name of the user, the bank's reserved contact phone number, etc., but is not limited thereto.
  • credit cards are a type of bank card. Therefore, the bank card information includes credit card information.
  • the above-mentioned payment method including a preferential activity may mean that a user can enjoy a discount when using the payment method for payment.
  • the discount is 10% off, and the user purchases an order for 1,000 yuan. If the order is paid using a payment method that includes a discount, the user only needs to pay 900, so the beneficial effect of reducing the amount of payment for the user is realized. Improved user experience.
  • FIG. 4 schematically illustrates a block diagram of a recommender of a payment method according to an embodiment of the present disclosure.
  • the payment device recommendation device 400 includes a first determination module 410, a second determination module 420, and a first display module 430.
  • the first determining module 410 is configured to determine a payment method currently recommended to the user according to a user's historical payment behavior.
  • the second determining module 420 is configured to determine details of the current order according to the current order number.
  • the first display module 430 is configured to display details of the payment method and / or the current order on a payment interface.
  • the payment method recommendation device 400 may determine a payment method currently recommended to the user according to the user ’s historical payment behavior, so as to at least partially solve the problem of wrong selection when the system recommends multiple payment methods by default in the prior art, This enables users to complete payments quickly. And on the payment interface, details of the payment method and / or the current order are displayed, so that the user can confirm the order without having to exit the payment interface to view, thereby improving the user experience.
  • the payment method recommendation device 400 is configured to implement the payment method recommendation method described in the embodiment of FIG. 1.
  • the first display module 430 is further configured to display, on the payment interface, a payment method determined according to the historical behavior of the user and a payment method including the preferential activity.
  • the details of the current order include any one or more of the following: information of the product, information on the discount of the product, shipping information of the product, the shipping address of the product, and information of the recipient.
  • FIG. 5 schematically illustrates a block diagram of a recommendation apparatus for a payment method according to another embodiment of the present disclosure.
  • the recommendation device 500 for a payment method further includes a first determination module 510 and a recommendation module 520.
  • the first determining module 510 is configured to determine whether a preferential activity exists in a default payment method of the system.
  • the recommendation module 520 if present, preferentially recommends to the user a payment method including the preferential activity.
  • the payment method recommendation device 500 can recommend the current payment method to the user according to the preferential status of the default payment method of the system, which can reduce the amount of payment for the user and further improve the user experience.
  • the payment method recommendation device 500 is configured to implement the payment method recommendation method described in the embodiment of FIG. 2.
  • FIG. 6 schematically illustrates a block diagram of a recommendation apparatus for a payment method according to another embodiment of the present disclosure.
  • the payment device recommendation device 600 when the payment method including the preferential activity is bank card online and / or credit card installment, the payment device recommendation device 600 further includes a receiving module 610, a second determination module 620, and a second display module 630.
  • the receiving module 610 receives the bank card information input by the user if there is no bank card information of the user in the system.
  • the second determining module 620 is configured to determine whether there is a preferential activity in the bank card information input by the user.
  • the second display module 630 if it exists, displays the discounted amount of the current order on the payment interface.
  • the payment method recommendation device 600 if there is no bank card information of the user in the system, it is determined whether there is a preferential activity in the bank card information input by the user, and if there is a preferential activity in the bank card information input by the user, the payment interface Displaying the discounted amount of the current order, to a certain extent, makes the user prefer the payment method in the future, and thus promotes the payment method.
  • the payment method recommendation device 600 is configured to implement the payment method recommendation method described in the embodiment of FIG. 3.
  • first determination module 410, the second determination module 420, the first display module 430, the first determination module 510, the recommendation module 520, the reception module 610, the second determination module 620, and the second display module 630 may Merging is implemented in one module, or any one of them can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules may be combined with at least part of the functions of other modules and implemented in one module.
  • At least one of 630 may be implemented at least partially as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit ( ASIC), or may be implemented in hardware or firmware, such as any other reasonable way to integrate or package the circuit, or in an appropriate combination of software, hardware, and firmware.
  • FPGA field programmable gate array
  • PLA programmable logic array
  • ASIC application specific integrated circuit
  • At least one of the first determination module 410, the second determination module 420, the first display module 430, the first determination module 510, the recommendation module 520, the reception module 610, the second determination module 620, and the second display module 630 It can be implemented at least partially as a computer program module, and when the program is run by a computer, the functions of the corresponding module can be performed.
  • FIG. 7 schematically illustrates a block diagram of a computer system of a recommendation method for a payment method according to an embodiment of the present disclosure.
  • the computer system shown in FIG. 7 is only an example, and should not impose any limitation on the functions and scope of use of the embodiments of the present disclosure.
  • the computer system 700 of the recommended payment method includes a processor 701 that can be loaded to random access according to a program stored in a read-only memory (ROM) 702 or from a storage portion 708
  • the program in the memory (RAM) 703 performs various appropriate actions and processes.
  • the processor 701 may include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (for example, an application-specific integrated circuit (ASIC)), and so on.
  • the processor 701 may also include on-board memory for caching purposes.
  • the processor 701 may include a single processing unit or multiple processing units for performing different actions of the method flow according to the embodiment of the present disclosure described with reference to FIG. 1 to FIG. 3.
  • the processors 701, ROM 702, and RAM 703 are connected to each other through a bus 704.
  • the processor 701 executes various steps of the recommended method of payment method described above with reference to FIGS. 1 to 3 by executing programs in ROM 702 and / or RAM 703. Note that this program can also be stored in one or more memories other than ROM 702 and RAM 703.
  • the processor 701 may also execute various steps of the recommended method of payment method described above with reference to FIGS. 1 to 3 by executing a program stored in the one or more memories.
  • the system 700 may further include an input / output (I / O) interface 707, and the input / output (I / O) interface 707 is also connected to the bus 704.
  • the system 700 may also include one or more of the following components connected to the I / O interface 705: an input portion 706 including a keyboard, a mouse, and the like; including, such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker
  • the output section 707 includes a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, and the like.
  • the communication section 709 performs communication processing via a network such as the Internet.
  • the driver 710 is also connected to the I / O interface 705 as needed.
  • a removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 710 as needed, so that a computer program read out therefrom is installed into the storage section 708 as needed.
  • the method described above with reference to the flowchart may be implemented as a computer software program.
  • embodiments of the present disclosure include a computer program product including a computer program carried on a computer-readable medium, the computer program containing program code for performing a method shown in a flowchart.
  • the computer program may be downloaded and installed from a network through the communication section 709, and / or installed from a removable medium 711.
  • the processor 701 executes the above functions defined in the system of the embodiment of the present disclosure.
  • the systems, devices, devices, modules, units, and the like described above may be implemented by computer program modules.
  • the computer-readable medium shown in the present disclosure may be a computer-readable signal medium or a computer-readable storage medium or any combination of the foregoing.
  • the computer-readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to: electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable Programming read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the foregoing.
  • a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in combination with an instruction execution system, apparatus, or device.
  • a computer-readable signal medium may include a data signal that is included in baseband or propagated as part of a carrier wave, and which carries computer-readable program code. Such a propagated data signal may take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.
  • the computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, and the computer-readable medium may send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device .
  • Program code embodied on a computer-readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
  • the computer-readable medium may include one or more memories other than the ROM 702 and / or the RAM 703 and / or the ROM 702 and the RAM 703 described above.
  • each block in the flowchart or block diagram may represent a module, a program segment, or a part of code, which contains one or more of the logic functions used to implement the specified logic.
  • Executable instructions may also occur in a different order than those marked in the drawings. For example, two successively represented boxes may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved.
  • each block in the block diagram or flowchart, and combinations of blocks in the block diagram or flowchart can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with A combination of dedicated hardware and computer instructions.
  • the present disclosure also provides a computer-readable medium, which may be included in the device described in the above embodiments; or may exist alone without being assembled into the device.
  • the computer-readable medium described above carries one or more programs, and when the one or more programs are executed by one of the devices, the device is caused to execute a recommended method of payment method according to an embodiment of the present disclosure.
  • the method includes: determining a payment method currently recommended to the user according to a user's historical payment behavior; determining details of the current order according to a current order number; and displaying the payment method and / or the current order on a payment interface Details.

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Abstract

一种支付方式的推荐方法、推荐装置及介质。方法包括：根据用户的历史支付行为，确定当前向所述用户推荐的支付方式（S101）；根据当前订单号，确定当前订单的详情（S102）；在支付界面上，展示所述支付方式和/或所述当前订单的详情（S103）。

Description

支付方式的推荐方法、装置及介质 技术领域
本公开涉及互联网技术领域，尤其涉及一种支付方式的推荐方法、装置及介质。
背景技术
随着智能设备和互联网的快速发展，网上购物已经成为大多数用户喜欢的购物方式。通常用户在购物时的流程为：搜索用户想要买的商品，然后将其加入到购物车，最后支付用户所购买的商品。目前，当用户在支付界面付款时，系统会默认推荐多种支付方式，这样便于用户选择。
但是，在实现本发明构思的过程中，发明人发现现有技术中至少存在如下问题：系统默认推荐的多种支付方式中可能只有用户经常使用的一种，但是系统每次在用户付款时都要推荐系统默认的多种，这样可能造成用户在选择自己想要的支付方式时出现选择错误的情况，并且在支付界面上也没有展示订单的详情，如果用户需要查看订单的详情时必须退出支付界面才可以查看该订单的详情，这样降低了用户体验。
发明内容
有鉴于此，本公开提供一种支付方式的推荐方法、装置及介质，进而至少部分地解决了由于相关技术的限制和缺陷而导致的一个或者多个问题。
本公开的第一个方面提供了一种支付方式的推荐方法，包括：根据用户的历史支付行为，确定当前向所述用户推荐的支付方式；根据当前订单号，确定当前订单的详情；在支付界面上，展示所述支付方式和/或所述当前订单的详情。
根据本公开的实施例，该方法还包括：判断系统的默认支付方式中是否存在优惠活动；如果存在，则向所述用户优先推荐包含所述优惠活动的支付方式。
根据本公开的实施例，在所述支付界面上，展示所述支付方式包括在所述支付界面上，展示根据所述用户的历史行为确定的支付方式和包含所述优惠活动的支付方式。
根据本公开的实施例，当所述包含优惠活动的支付方式为银行卡在线和/或信用卡分期时，该方法还包括：若所述系统中没有所述用户的银行卡信息时，接收所述用户输入的银行卡信息；判断所述用户输入的银行卡信息是否存在优惠活动；如果存在，则在所述支付界面上展示所述当前订单优惠后的金额。
根据本公开的实施例，所述当前订单详情包括以下任意一项或多项：商品的信息、商品的优惠信息、商品的运费信息、商品的收货地址、收件人的信息。
本公开的第二个方面提供了一种支付方式的推荐装置，包括：第一确定模块，用于根据用户的历史支付行为，确定当前向所述用户推荐的支付方式；第二确定模块，用于根据当前订单号，确定当前订单的详情；第一展示模块，用于在支付界面上，展示所述支付方 式和/或所述当前订单的详情。
根据本公开的实施例，该装置还包括：第一判断模块，用于判断系统的默认支付方式中是否存在优惠活动；推荐模块，如果存在，则向所述用户优先推荐包含所述优惠活动的支付方式。
根据本公开的实施例，第一展示模块还用于：在所述支付界面上，展示根据所述用户的历史行为确定的支付方式和包含所述优惠活动的支付方式。
根据本公开的实施例，当所述包含优惠活动的支付方式为银行卡在线和/或信用卡分期时，该装置还包括：接收模块，若所述系统中没有所述用户的银行卡信息时，接收所述用户输入的银行卡信息；第二判断模块，用于判断所述用户输入的银行卡信息是否存在优惠活动；第二展示模块，如果存在，则在所述支付界面上展示所述当前订单优惠后的金额。
根据本公开的实施例，所述当前订单详情包括以下任意一项或多项：商品的信息、商品的优惠信息、商品的运费信息、商品的收货地址、收件人的信息。
本公开的第三个方面提供了一种支付方式的推荐装置，包括：一个或多个处理器，以及存储装置。所述存储装置用于存储一个或多个程序。其中，当所述一个或多个程序被所述一个或多个处理器执行时，使得所述一个或多个处理器执行如上所述的支付方式的推荐方法。
本公开的第四个方面提供了一种计算机可读介质，其上存储有可执行指令，该指令被处理器执行时使处理器执行如上所述的支付方式的推荐方法。
本公开的第五个方面提供了一种计算机程序，所述计算机程序包括计算机可执行指令，所述指令在被执行时用于实现支付方式的推荐方法。
通过本公开提供的支付方式的推荐方法，可以根据用户的历史支付行为，确定当前向所述用户推荐的支付方式，这样至少部分地解决现有技术中系统默认推荐多种支付方式供用户选择时出现选错的问题，从而使得用户能够快捷完成支付。并且在支付界面上，展示支付方式和/或当前订单的详情，这样方便用户确认订单，无需退出支付界面查看，从而提高了用户体验。
应当理解的是，以上的一般描述和后文的细节描述仅是示例性和解释性的，并不能限制本公开。
附图说明
图1示意性示出了根据本公开实施例的支付方式的推荐方法的流程图；
图2示意性示出了根据本公开另一个实施例的支付方式的推荐方法的流程图；
图3示意性示出了根据本公开另一个实施例的支付方式的推荐方法的流程图；
图4示意性示出了根据本公开实施例的支付方式的推荐装置的方框图；
图5示意性示出了根据本公开另一实施例的支付方式的推荐装置的方框图；
图6示意性示出了根据本公开另一实施例的支付方式的推荐装置的方框图；
图7示意性示出了根据本公开实施例的支付方式的推荐装置的计算机系统的方框图。
具体实施方式
以下，将参照附图来描述本公开的实施例。但是应该理解，这些描述只是示例性的，而并非要限制本公开的范围。此外，在以下说明中，省略了对公知结构和技术的描述，以避免不必要地混淆本公开的概念。
在此使用的术语仅仅是为了描述具体实施例，而并非意在限制本公开。在此使用的术语“包括”、“包含”等表明了所述特征、步骤、操作和/或部件的存在，但是并不排除存在或添加一个或多个其他特征、步骤、操作或部件。
在此使用的所有术语(包括技术和科学术语)具有本领域技术人员通常所理解的含义，除非另外定义。应注意，这里使用的术语应解释为具有与本说明书的上下文相一致的含义，而不应以理想化或过于刻板的方式来解释。
在使用类似于“A、B和C等中至少一个”这样的表述的情况下，一般来说应该按照本领域技术人员通常理解该表述的含义来予以解释(例如，“具有A、B和C中至少一个的系统”应包括但不限于单独具有A、单独具有B、单独具有C、具有A和B、具有A和C、具有B和C、和/或具有A、B、C的系统等)。本领域技术人员还应理解，实质上任意表示两个或更多可选项目的转折连词和/或短语，无论是在说明书、权利要求书还是附图中，都应被理解为给出了包括这些项目之一、这些项目任一方、或两个项目的可能性。例如，短语“A或B”应当被理解为包括“A”或“B”、或“A和B”的可能性。
本公开的实施例提供了一种支付方式的推荐方法，包括：根据用户的历史支付行为，确定当前向所述用户推荐的支付方式；根据当前订单号，确定当前订单的详情；在支付界面上，展示所述支付方式和/或所述当前订单的详情。
通过本公开提供的支付方式的推荐方法，可以根据用户的历史支付行为，确定当前向所述用户推荐的支付方式，这样至少部分地解决现有技术中系统默认推荐多种支付方式供用户选择时出现选错的问题，从而使得用户能够快捷完成支付。并且在支付界面上，展示支付方式和/或当前订单的详情，这样方便用户确认订单，无需退出支付界面查看，从而提高了用户体验。
图1示意性示出了根据本公开实施例的支付方式的推荐方法的流程图。
如图1所示，支付方式的推荐方法包括步骤S101～步骤S103。
在步骤S101中，根据用户的历史支付行为，确定当前向所述用户推荐的支付方式。
在步骤S102中，根据当前订单号，确定当前订单的详情。
在步骤S103中，在支付界面上，展示所述支付方式和/或所述当前订单的详情。
该方法可以根据用户的历史支付行为，确定当前向用户推荐的支付方式，这样至少部分地解决现有技术中系统默认推荐多种支付方式供用户选择时出现选错的问题，从而使得用户能够快捷完成支付。并且在支付界面上，展示支付方式和/或当前订单的详情，这样 方便用户确认订单，无需退出支付界面查看，从而提高了用户体验。
在本公开的一些实施例中，上述用户的历史支付行为可以是该用户上次购物时，在支付界面上选择的支付方式。也可以是该用户在一段时间内使用的支付方式。
当用户的历史支付行为该用户上次购物在支付界面上选择的支付方式时，当前向该用户推荐的支付方式可以是与该用户上次选择的支付方式相同的支付方式。
当用户的历史支付行为该用户在一段时间内购物时选择的支付方式时，当前向该用户推荐的支付方式可以是在该段时间内用户选择次数最多的支付方式。
在本公开的一些实施例中，上述当前订单号可以是基于用户当前所购买的商品生成的订单号。因此，可以根据当前订单号，在订单系统中查询到当前订单的详情，并将当前订单的详情展示在支付界面上。例如，当前订单详情可以包括以下任意一项或多项：商品的信息、商品的优惠信息、商品的运费信息、商品的收货地址、收件人的信息。
在本公开的一些实施例中，当用户在支付界面上对当前订单进行付款时，通过该方法可以在该支付界面上展示根据该用户历史支付行为确定的支付方式和/或根据当前订单号确定的当前订单的详情。其中，当前订单详情可以直接展示在该支付界面上，也可以响应于用户点击控件的操作后再展示当前订单详情。例如，如果该支付界面是通过手机屏幕展示的，在这种情况下，可以将当前订单详情隐藏，当该用户点击该支付界面的某控件时对其进行展示。再例如，如果该支付界面是通过电脑屏幕展示的，在这种情况下，可以将当前订单详情直接展示在电脑屏幕上，从而实现了智能化对当前订单详情进行展示。
图2示意性示出了根据本公开另一个实施例的支付方式的推荐方法的流程图。
如图2所示，上述方法还包括步骤S201和步骤S202。
在步骤S201中，判断系统的默认支付方式中是否存在优惠活动。
在步骤S202中，如果系统的默认支付方式中存在优惠活动，则向所述用户优先推荐包含所述优惠活动的支付方式。
该方法可以根据系统默认支付方式的优惠情况向用户推荐当前的支付方式，这样可以为用户减少付款的金额，进一步的提高用户体验。
在本公开的一些实施例中，系统默认的支付方式包括：银行卡在线、信用卡分期、小贷、余额、VA转账、银行卡转账、便利店支付、白条、以及认证支付。例如，当“银行卡在线”存在优惠活动时，当前向用户推荐的支付方式可以是“银行卡在线”。再例如，当“银行卡在线”和“信用卡分期”都存在优惠活动时，当前向用户推荐的支付方式可以是“银行卡在线”和“信用卡分期”。
在本公开的一些实施例中，在上述支付界面上，展示当前向用户推荐的支付方式可以包括：在该支付界面上，展示根据用户的历史行为确定的支付方式和包含所述优惠活动的支付方式。
当系统默认的支付方式存在优惠活动时，可以向用户优先推荐包含优惠活动的支付方式，也可以向用户推荐根据用户的历史行为确定的支付方式和包含所述优惠活动的支付方 式。
图3示意性示出了根据本公开另一个实施例的支付方式的推荐方法的流程图。
如图3所示，当所述包含优惠活动的支付方式为银行卡在线和/或信用卡分期时，上述方法还包括步骤S301～步骤S303。
在步骤S301中，若所述系统中没有所述用户的银行卡信息时，接收所述用户输入的银行卡信息。
在步骤S302中，判断所述用户输入的银行卡信息是否存在优惠活动。
在步骤S303中，如果用户输入的银行卡信息存在优惠活动，则在所述支付界面上展示所述当前订单优惠后的金额。
在该方法中，若系统中没有用户的银行卡信息时，判断该用户输入的银行卡信息是否存在优惠活动，如果用户输入的银行卡信息存在优惠活动，则在支付界面上展示当前订单优惠后的金额，这样在一定程度上使得该用户日后更加喜欢该支付方式，进而对该支付方式起到了推广的作用。
在本公开的一些实施例中，上述银行卡信息可以是银行的名称、银行卡的卡号、用户的名字、银行预留联系电话等等，但不限于此。其中，信用卡属于银行卡的一种。因此，银行卡信息包括信用卡信息。
在本公开的一些实施例中，上述包含优惠活动的支付方式可以指用户使用该支付方式付款时，可以享受优惠。例如，优惠活动为九折，用户购买的订单金额为1000元，如果使用包含优惠活动的支付方式对该订单进行付款，用户只需付900，因此实现了为用户减少付款的金额的有益效果，提升了用户体验。
图4示意性示出了根据本公开实施例的支付方式的推荐装置的方框图。
如图4所示，支付方式的推荐装置400包括第一确定模块410、第二确定模块420和第一展示模块430。
第一确定模块410，用于根据用户的历史支付行为，确定当前向所述用户推荐的支付方式。
第二确定模块420，用于根据当前订单号，确定当前订单的详情。
第一展示模块430，用于在支付界面上，展示所述支付方式和/或所述当前订单的详情。
该支付方式的推荐装置400可以根据用户的历史支付行为，确定当前向用户推荐的支付方式，这样至少部分地解决现有技术中系统默认推荐多种支付方式供用户选择时出现选错的问题，从而使得用户能够快捷完成支付。并且在支付界面上，展示支付方式和/或当前订单的详情，这样方便用户确认订单，无需退出支付界面查看，从而提高了用户体验。
根据本公开的实施例，支付方式的推荐装置400用于实现图1实施例描述的支付方式的推荐方法。
根据本公开的实施例，第一展示模块430还用于在所述支付界面上，展示根据所述用 户的历史行为确定的支付方式和包含所述优惠活动的支付方式。
根据本公开的实施例，所述当前订单详情包括以下任意一项或多项：商品的信息、商品的优惠信息、商品的运费信息、商品的收货地址、收件人的信息。
图5示意性示出了根据本公开另一个实施例的支付方式的推荐装置的方框图。
如图5所示，支付方式的推荐装置500还包括第一判断模块510和推荐模块520。
第一判断模块510，用于判断系统的默认支付方式中是否存在优惠活动。
推荐模块520，如果存在，则向所述用户优先推荐包含所述优惠活动的支付方式。
该支付方式的推荐装置500可以根据系统默认支付方式的优惠情况向用户推荐当前的支付方式，这样可以为用户减少付款的金额，进一步的提高用户体验。
根据本公开的实施例，支付方式的推荐装置500用于实现图2实施例描述的支付方式的推荐方法。
图6示意性示出了根据本公开另一个实施例的支付方式的推荐装置的方框图。
如图6所示，当所述包含优惠活动的支付方式为银行卡在线和/或信用卡分期时，支付方式的推荐装置600还包括接收模块610、第二判断模块620和第二展示模块630。
接收模块610，若所述系统中没有所述用户的银行卡信息时，接收所述用户输入的银行卡信息。
第二判断模块620，用于判断所述用户输入的银行卡信息是否存在优惠活动。
第二展示模块630，如果存在，则在所述支付界面上展示所述当前订单优惠后的金额。
在该支付方式的推荐装置600中，若系统中没有用户的银行卡信息时，判断该用户输入的银行卡信息是否存在优惠活动，如果用户输入的银行卡信息存在优惠活动，则在支付界面上展示当前订单优惠后的金额，这样在一定程度上使得该用户日后更加喜欢该支付方式，进而对该支付方式起到了推广的作用。
根据本公开的实施例，支付方式的推荐装置600用于实现图3实施例描述的支付方式的推荐方法。
可以理解的是，第一确定模块410、第二确定模块420、第一展示模块430、第一判断模块510、推荐模块520、接收模块610、第二判断模块620、以及第二展示模块630可以合并在一个模块中实现，或者其中的任意一个模块可以被拆分成多个模块。或者，这些模块中的一个或多个模块的至少部分功能可以与其他模块的至少部分功能相结合，并在一个模块中实现。根据本发明的实施例，第一确定模块410、第二确定模块420、第一展示模块430、第一判断模块510、推荐模块520、接收模块610、第二判断模块620、以及第二展示模块630中的至少一个可以至少被部分地实现为硬件电路，例如现场可编程门阵列(FPGA)、可编程逻辑阵列(PLA)、片上系统、基板上的系统、封装上的系统、专用集成电路(ASIC)，或可以以对电路进行集成或封装的任何其他的合理方式等硬件或固件来实现，或以软件、硬件以及固件三种实现方式的适当组合来实现。或者，第一确定模块410、第二确定模块420、第一展示模块430、第一判断模块510、推荐模块520、接 收模块610、第二判断模块620、以及第二展示模块630中的至少一个可以至少被部分地实现为计算机程序模块，当该程序被计算机运行时，可以执行相应模块的功能。
图7示意性示出了根据本公开实施例的支付方式的推荐装置的计算机系统的方框图。图7示出的计算机系统仅仅是一个示例，不应对本公开实施例的功能和使用范围带来任何限制。
如图7所示，根据本公开实施例的支付方式的推荐装置的计算机系统700包括处理器701，其可以根据存储在只读存储器(ROM)702中的程序或者从存储部分708加载到随机访问存储器(RAM)703中的程序而执行各种适当的动作和处理。处理器701例如可以包括通用微处理器(例如CPU)、指令集处理器和/或相关芯片组和/或专用微处理器(例如，专用集成电路(ASIC))，等等。处理器701还可以包括用于缓存用途的板载存储器。处理器701可以包括用于执行参考图1～图3描述的根据本公开实施例的方法流程的不同动作的单一处理单元或者是多个处理单元。
在RAM 703中，存储有系统700操作所需的各种程序和数据。处理器701、ROM 702以及RAM 703通过总线704彼此相连。处理器701通过执行ROM 702和/或RAM 703中的程序来执行以上参考图1～图3描述的支付方式的推荐方法的各种步骤。需要注意，该程序也可以存储在除ROM 702和RAM 703以外的一个或多个存储器中。处理器701也可以通过执行存储在该一个或多个存储器中的程序来执行以上参考图1～图3描述的支付方式的推荐方法的各种步骤。
根据本公开的实施例，系统700还可以包括输入/输出(I/O)接口707，输入/输出(I/O)接口707也连接至总线704。系统700还可以包括连接至I/O接口705的以下部件中的一项或多项：包括键盘、鼠标等的输入部分706；包括诸如阴极射线管(CRT)、液晶显示器(LCD)等以及扬声器等的输出部分707；包括硬盘等的存储部分708；以及包括诸如LAN卡、调制解调器等的网络接口卡的通信部分709。通信部分709经由诸如因特网的网络执行通信处理。驱动器710也根据需要连接至I/O接口705。可拆卸介质711，诸如磁盘、光盘、磁光盘、半导体存储器等等，根据需要安装在驱动器710上，以便于从其上读出的计算机程序根据需要被安装入存储部分708。
根据本公开的实施例，上文参考流程图描述的方法可以被实现为计算机软件程序。例如，本公开的实施例包括一种计算机程序产品，其包括承载在计算机可读介质上的计算机程序，该计算机程序包含用于执行流程图所示的方法的程序代码。在这样的实施例中，该计算机程序可以通过通信部分709从网络上被下载和安装，和/或从可拆卸介质711被安装。在该计算机程序被处理器701执行时，执行本公开实施例的系统中限定的上述功能。根据本公开的实施例，上文描述的系统、设备、装置、模块、单元等可以通过计算机程序模块来实现。
需要说明的是，本公开所示的计算机可读介质可以是计算机可读信号介质或者计算机可读存储介质或者是上述两者的任意组合。计算机可读存储介质例如可以是——但不限 于——电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机可读存储介质的更具体的例子可以包括但不限于：具有一个或多个导线的电连接、便携式计算机磁盘、硬盘、随机访问存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑磁盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。在本公开中，计算机可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。而在本公开中，计算机可读的信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了计算机可读的程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。计算机可读的信号介质还可以是计算机可读存储介质以外的任何计算机可读介质，该计算机可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。计算机可读介质上包含的程序代码可以用任何适当的介质传输，包括但不限于：无线、电线、光缆、RF等等，或者上述的任意合适的组合。根据本公开的实施例，计算机可读介质可以包括上文描述的ROM 702和/或RAM 703和/或ROM 702和RAM 703以外的一个或多个存储器。
附图中的流程图和框图，图示了按照本公开各种实施例的系统、方法和计算机程序产品的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段、或代码的一部分，上述模块、程序段、或代码的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。也应当注意，在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发生。例如，两个接连地表示的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也要注意的是，框图或流程图中的每个方框、以及框图或流程图中的方框的组合，可以用执行规定的功能或操作的专用的基于硬件的系统来实现，或者可以用专用硬件与计算机指令的组合来实现。
作为另一方面，本公开还提供了一种计算机可读介质，该计算机可读介质可以是上述实施例中描述的设备中所包含的；也可以是单独存在，而未装配入该设备中。上述计算机可读介质承载有一个或者多个程序，当上述一个或者多个程序被一个该设备执行时，使得该设备执行根据本公开实施例的支付方式的推荐方法。该方法包括：根据用户的历史支付行为，确定当前向所述用户推荐的支付方式；根据当前订单号，确定当前订单的详情；在支付界面上，展示所述支付方式和/或所述当前订单的详情。
以上对本公开的实施例进行了描述。但是，这些实施例仅仅是为了说明的目的，而并非为了限制本公开的范围。尽管在以上分别描述了各实施例，但是这并不意味着各个实施例中的措施不能有利地结合使用。本公开的范围由所附权利要求及其等同物限定。不脱离本公开的范围，本领域技术人员可以做出多种替代和修改，这些替代和修改都应落在本公开的范围之内。

Claims (12)

  1. 一种支付方式的推荐方法，包括：
    根据用户的历史支付行为，确定当前向所述用户推荐的支付方式；
    根据当前订单号，确定当前订单的详情；
    在支付界面上，展示所述支付方式和/或所述当前订单的详情。
  2. 根据权利要求1所述的方法，其中，该方法还包括：
    判断系统的默认支付方式中是否存在优惠活动；
    如果存在，则向所述用户优先推荐包含所述优惠活动的支付方式。
  3. 根据权利要求2所述的方法，其中，在所述支付界面上，展示所述支付方式包括：
    在所述支付界面上，展示根据所述用户的历史行为确定的支付方式和包含所述优惠活动的支付方式。
  4. 根据权利要求2所述的方法，其中，当所述包含优惠活动的支付方式为银行卡在线和/或信用卡分期时，该方法还包括：
    若所述系统中没有所述用户的银行卡信息时，接收所述用户输入的银行卡信息；
    判断所述用户输入的银行卡信息是否存在优惠活动；
    如果存在，则在所述支付界面上展示所述当前订单优惠后的金额。
  5. 根据权利要求1所述的方法，其中，所述当前订单详情包括以下任意一项或多项：商品的信息、商品的优惠信息、商品的运费信息、商品的收货地址、收件人的信息。
  6. 一种支付方式的推荐装置，包括：
    第一确定模块，用于根据用户的历史支付行为，确定当前向所述用户推荐的支付方式；
    第二确定模块，用于根据当前订单号，确定当前订单的详情；
    第一展示模块，用于在支付界面上，展示所述支付方式和/或所述当前订单的详情。
  7. 根据权利要求6所述的装置，其中，该装置还包括：
    第一判断模块，用于判断系统的默认支付方式中是否存在优惠活动；
    推荐模块，如果存在，则向所述用户优先推荐包含所述优惠活动的支付方式。
  8. 根据权利要求7所述的装置，其中，第一展示模块还用于：
    在所述支付界面上，展示根据所述用户的历史行为确定的支付方式和包含所述优惠活动的支付方式。
  9. 根据权利要求7所述的装置，其中，当所述包含优惠活动的支付方式为银行卡在线和/或信用卡分期时，该装置还包括：
    接收模块，若所述系统中没有所述用户的银行卡信息时，接收所述用户输入的银行卡信息；
    第二判断模块，用于判断所述用户输入的银行卡信息是否存在优惠活动；
    第二展示模块，如果存在，则在所述支付界面上展示所述当前订单优惠后的金额。
  10. 根据权利要求6所述的装置，其中，所述当前订单详情包括以下任意一项或多项：商品的信息、商品的优惠信息、商品的运费信息、商品的收货地址、收件人的信息。
  11. 一种支付方式的推荐装置，包括：
    一个或多个处理器；以及
    存储装置，用于存储一个或多个程序，
    其中，当所述一个或多个程序被所述一个或多个处理器执行时，使得所述一个或多个处理器执行根据权利要求1～5任意一项所述的方法。
  12. 一种计算机可读介质，其上存储有可执行指令，该指令被处理器执行时使处理器执行根据权利要求1～5任意一项所述的方法。
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