WO2021052189A1 - 信息处理方法、装置、设备及计算机可读存储介质 - Google Patents

信息处理方法、装置、设备及计算机可读存储介质 Download PDF

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Publication number
WO2021052189A1
WO2021052189A1 PCT/CN2020/113322 CN2020113322W WO2021052189A1 WO 2021052189 A1 WO2021052189 A1 WO 2021052189A1 CN 2020113322 W CN2020113322 W CN 2020113322W WO 2021052189 A1 WO2021052189 A1 WO 2021052189A1
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Prior art keywords
payment
wireless access
information
merchant
access device
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PCT/CN2020/113322
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English (en)
French (fr)
Inventor
万四爽
何朔
余玮琦
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中国银联股份有限公司
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Publication of WO2021052189A1 publication Critical patent/WO2021052189A1/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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks

Definitions

  • This application relates to the field of information processing technology, and in particular to an information processing method, device, equipment, and computer-readable storage medium.
  • Payment methods for electronic devices in related technologies include: QR code payment and Near Field Communication (NFC) payment.
  • NFC Near Field Communication
  • NFC payment needs to modify the hardware of electronic devices, so that electronic devices that do not support NFC technology can not realize the NFC payment function, and scan code payment does not need to modify the hardware of electronic devices, and can be applied to most electronic devices.
  • the scanning payment process includes two forms: active scanning and passive scanning.
  • active scanning mode the user needs to open the payment application, use the payment application to scan the merchant’s payment code, and then generate the payment interface.
  • passive scanning mode the user is required to open the payment application and show the payment code in the payment application to the merchant, and then the merchant uses the scanning device to scan the user's payment code to generate a payment interactive interface.
  • the embodiments of the present application provide an information processing method, device, equipment, and computer-readable storage medium, which can generate a payment interactive interface simply, quickly, and efficiently, so as to improve payment efficiency.
  • an embodiment of the present application provides an information processing method, which includes:
  • the electronic device in response to the received payment request, obtain the broadcast signal of the wireless access device;
  • the broadcast signal determine the merchant information associated with the wireless access device
  • a payment interaction interface corresponding to the payment request is generated.
  • an information processing device which includes:
  • the broadcast signal acquisition module is configured to acquire the broadcast signal of the wireless access device in response to the received payment request when the electronic device is in the predetermined coverage area of the wireless access device;
  • the merchant information determining module is configured to determine the merchant information associated with the wireless access device according to the information carried by the broadcast signal;
  • the interactive interface generating module is configured to generate a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access device.
  • an embodiment of the present application provides an information processing device, the device including: a processor and a memory storing computer program instructions;
  • the processor implements the information processing method described in the first aspect of the embodiments of the present application when executing computer program instructions.
  • an embodiment of the present application provides a computer-readable storage medium on which computer program instructions are stored.
  • the computer program instructions are executed by a processor, the information described in the first aspect of the embodiments of the present application is realized. Approach.
  • the information processing method, device, equipment, and computer-readable storage medium of the embodiments of the present application can obtain wireless access after receiving a payment request from a user when the electronic device is in the predetermined coverage area of the wireless access device.
  • the broadcast signal sent by the device and then use the information carried by the broadcast signal to determine the merchant information associated with the wireless access device, that is, the merchant information corresponding to the payment request, to generate the payment corresponding to the payment request according to the merchant information corresponding to the payment request
  • the interactive interface does not require the user to perform other operations on the electronic device, and the payment interactive interface can be quickly generated. Therefore, the process of generating the payment interactive interface is simple, and since other operations by users and merchants are not required, payment efficiency can also be improved.
  • Figure 1 is a system architecture diagram of an exemplary payment system
  • FIG. 2 is a schematic flowchart of an embodiment of the information processing method of the present application
  • FIG. 3 is a schematic flowchart of another embodiment of the information processing method of the present application.
  • FIG. 5 is a flowchart of an example of a payment process according to an embodiment of the present application.
  • Fig. 6 is a schematic flowchart of another example of a payment process according to an embodiment of the present application.
  • FIG. 7 is a schematic structural diagram of an embodiment of the information processing device of the present application.
  • Fig. 8 is a schematic diagram of the hardware structure of an embodiment of the information processing device of the present application.
  • the first aspect of the present application provides an information processing method, which can be applied to electronic equipment of a payment system to solve the problem of the complicated process of generating a payment interactive interface in the process of using electronic equipment for payment in the prior art.
  • FIG. 1 shows a system architecture diagram of an exemplary payment system.
  • the payment system 100 includes an electronic device 101, a payment backend server 102 and a wireless access device 103.
  • the electronic device 101 may be, for example, a mobile phone, a tablet computer, a personal computer, or the like.
  • the payment backend server 102 may be a high-performance electronic calculator for storing and processing data, and capable of data interaction with the electronic device 101.
  • the wireless access device 103 may include at least one of a 5G base station, a 4G room division device, and a WIFI transmitter.
  • the wireless access device 103 may be installed in the business premises of the corresponding merchants, and the business premises of the merchants may specifically be shops, indoor or outdoor booths. Among them, one wireless access device 103 can only correspond to the business location of one merchant, but the business location of one merchant can correspond to one or more wireless access devices 103.
  • the merchant needs to register on the payment back-end server 102 to complete the association operation between the wireless access device 103 and the merchant’s merchant information, so as to connect the wireless access device 103 to the merchant’s business information.
  • the wireless access device identifier and the merchant information are associated and stored in the merchant data storage module of the wireless access device 103, where the merchant information includes at least one of a merchant identifier, a merchant name, a merchant receiving account number, and a merchant address.
  • the transaction function can be activated on the back-end payment server 102 to start the charging operation, so that the wireless access device 103 can transmit broadcast signals to the predetermined coverage area around itself, and make the electronic device 101 can use the broadcast signal to generate a payment interactive interface.
  • the electronic device 101 can send a payment request to the payment back-end server 102, so that the payment back-end server 102 completes the payment request according to the payment request. Paid.
  • the following describes the payment information processing method provided by the embodiment of the present application that can be applied to the electronic device 101 shown in FIG. 1.
  • Fig. 2 shows a schematic flowchart of an embodiment of the information processing method of the present application.
  • the information processing method may include:
  • S220 Determine merchant information associated with the wireless access device according to the information carried by the broadcast signal
  • S230 Generate a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access device.
  • the electronic device when it is in the predetermined coverage area of the wireless access device, it can obtain the broadcast signal sent by the wireless access device after receiving the payment request sent by the user, and then use the broadcast signal
  • the carried information determines the merchant information associated with the wireless access device, that is, the merchant information corresponding to the payment request, so as to generate the payment interaction interface corresponding to the payment request based on the merchant information corresponding to the payment request, thereby eliminating the need for the user to perform other operations on the electronic device , Can quickly generate a payment interactive interface, therefore, the process of generating a payment interactive interface is simple, and because no other operations are required by users and merchants, payment efficiency can also be improved.
  • the wireless access device described in the embodiment of the present application may be the wireless access device 103 shown in FIG. 1.
  • the wireless access device can be located in the business premises of the merchants associated with it, and can transmit broadcast signals to a predetermined coverage area around itself.
  • the wireless access device may include at least one of a 5G base station, a 4G room division device, and a WIFI transmitter.
  • the information processing method described in the embodiment of the present application can be executed.
  • the electronic device generates a payment interactive interface based on the information carried by the broadcast signal transmitted by the wireless access device in the business premises of the merchant, so that the user can complete the payment according to the payment interactive interface.
  • the QR code's active scanning method will not cause the risk of QR code being replaced. Therefore, it can also avoid the problem of wrong payment objects.
  • the electronic device may be installed with a payment application program for payment, and based on the user's interactive operation of the payment application, the electronic device is caused to execute the information processing method described in the embodiment of the present application; the electronic device may also The payment function button is directly provided, and based on the user's triggering operation on the payment function button, the electronic device executes the information processing method described in the embodiment of the present application.
  • step S210 of some embodiments of the present application when a payment application is installed in the electronic device, when the user starts the payment application, the payment application generates a payment request. At this time, the electronic device may respond to receiving The payment request to obtain the broadcast signal of the wireless access device.
  • step S210 when the electronic device has a payment function button, when the user clicks the payment function button, the payment function button can trigger a payment request. At this time, the resistance device can respond to the received Payment request to obtain the broadcast signal of the wireless access device.
  • the merchant information may include at least one of a merchant identifier, a merchant name, a merchant's payment account number, and a merchant address.
  • the information carried in the broadcast signal described in step S220 of the embodiment of the present application may include the wireless access device identification of the wireless access device, may also include the merchant information associated with the wireless access device, and may also include the wireless access device at the same time.
  • the wireless access device identifier of the incoming device and the merchant information associated with the wireless access device may include the wireless access device identification of the wireless access device.
  • the specific method for determining the merchant information associated with the wireless access device according to the information carried by the broadcast signal may include:
  • the wireless access device identification can be the device identification code of the wireless access device, or it can be the identification code set for the wireless access device when the merchant performs network access registration on the payment back-end server 102. Do restrictions.
  • the target device may be the payment back-end server 102 shown in FIG. 1, because the wireless access device identification and merchant information are associated and stored in the merchant data storage module of the payment back-end server 102.
  • the electronic device after the electronic device obtains the broadcast signal of the wireless access device, it can obtain the wireless access device identification carried by the broadcast signal, and send the wireless access device identification to the target device, so that the target device Based on the wireless access device identification sent by the electronic device, the merchant information stored in association with the wireless access device identification is queried in the merchant data storage module, and the queried business information is fed back to the electronic device. After the electronic device receives the merchant information inquired by the target device, it can use the received merchant information as the merchant information associated with the wireless access device.
  • the broadcast signal transmitted by the wireless access device identifier in the embodiment of the present application carries less information, which can improve the security of the merchant's merchant information, and prevent users other than the paying user from being able to obtain the merchant's information through the broadcast signal.
  • Business information can improve the security of the merchant's merchant information, and prevent users other than the paying user from being able to obtain the merchant's information through the broadcast signal.
  • the specific method for determining the merchant information associated with the wireless access device according to the information carried by the broadcast signal may include:
  • the electronic device can directly obtain the information carried by the broadcast signal after acquiring the broadcast signal of the wireless access device.
  • the merchant information associated with the wireless access device saves the interaction process with other devices, improves the efficiency of information processing, and reduces the time for generating the payment interaction interface corresponding to the payment request.
  • one or more wireless access devices may be laid in the business premises of a merchant.
  • the steps in step S230 The specific method for generating a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access device may be: directly using the merchant information associated with the wireless access device to generate the payment interactive interface.
  • the payment interactive interface can display merchant information associated with the wireless access device, and prompt the user to input payment amount information in a predetermined area of the payment interactive interface.
  • multiple wireless access devices may be laid in the business premises of a merchant, and at least two of the multiple wireless access devices may have overlapping coverage areas. If the location of the user is In the overlapping coverage area, the electronic device will be in the predetermined coverage area of multiple wireless access devices and can receive multiple broadcast signals at the same time. In this case, according to the information carried in the broadcast signal in step S220
  • the specific method for determining the merchant information associated with the wireless access device may include:
  • an electronic device when an electronic device receives two broadcast signals transmitted by two wireless access devices in a business premises of a merchant, the electronic device first determines the corresponding merchant information according to each broadcast signal, and then compares the two broadcast signals according to the two broadcast signals.
  • the information of two merchants determined by one broadcast signal is deduplicated. Since the two broadcast signals are transmitted by two wireless access devices in the business premises of the same merchant, only one merchant information is retained after deduplication. The retained merchant information can be used to generate a payment interaction interface corresponding to the payment request.
  • step S230 of these embodiments the specific method for generating the payment interaction interface corresponding to the payment request according to the merchant information associated with the wireless access device may be:
  • a payment interaction interface corresponding to the payment request is generated.
  • the payment interaction interface can be generated based on only one merchant information, so as to improve the user experience.
  • one or more wireless access devices may be laid in the business premises of a merchant, and at the junction of the business premises of multiple merchants, in multiple wireless access devices of multiple merchants At least two of them may have overlapping coverage areas. If the location of the user is within the overlapping coverage area, the electronic device will be in the predetermined coverage area of multiple wireless access devices and can receive multiple broadcast signals at the same time.
  • the specific method of determining the merchant information associated with the wireless access device according to the information carried by the broadcast signal in step S220 may include:
  • the electronic device receives the broadcast signals transmitted by the wireless access devices in the business premises of two merchants
  • the electronic device receives the two wireless access devices in the business premises of the merchant A.
  • the electronic device first determines the corresponding merchant information according to each broadcast signal, and then determines the information based on the three broadcast signals.
  • the information of the three merchants is deduplicated.
  • step S230 of these embodiments the number of merchant information after deduplication is multiple.
  • the specific method of generating the payment interaction interface corresponding to the payment request according to the merchant information associated with the wireless access device may be :
  • the target merchant information is used as the default merchant information, and the merchant information except the target merchant information in the deduplicated merchant information is used as the candidate merchant information, and the payment interaction interface corresponding to the payment request is generated.
  • the target wireless access device corresponding to the broadcast signal with the highest signal reception strength is the smallest distance from the user, it can be considered that the target merchant information associated with the target wireless access device is the business premises of the merchant where the user is located. Wireless access equipment.
  • the merchant can use other merchant information as candidate merchant information, and then generate the payment interaction interface corresponding to the payment request based on the default merchant information and the candidate merchant information.
  • the payment interaction interface can first display the default merchant information and select the The area displays candidate merchant information, and prompts the user to enter payment amount information in a predetermined area of the payment interactive interface.
  • the merchant candidate area may be displayed on the payment interactive interface based on the merchant modification request input by the user, or may be directly displayed on the payment interactive interface, which is not limited here.
  • the payment interaction interface can be generated based on the default merchant information and alternative merchant information, so that the user can follow Merchant selection and modification are required to improve the user experience.
  • the information processing method may further include:
  • the alternative merchant information selected by the merchant selection operation is used to replace the default merchant information to obtain an updated payment interactive interface.
  • the user can input the merchant selection operation in the payment interactive interface, for example, select a candidate merchant information in the merchant candidate area, and then the electronic device can respond to the merchant selection operation by using the merchant selection operation selected device Select merchant information to replace the default merchant information so that the payment interactive interface first displays the candidate merchant information selected by the merchant selection operation, and displays the default merchant information along with other candidate merchant information in the merchant candidate area to obtain the updated information Payment interface, so that users can complete payment based on the updated payment interface.
  • FIG. 3 shows a schematic flowchart of another embodiment of the information processing method of the present application. As shown in Fig. 3, the information processing method may further include:
  • S240 In response to the received payment amount submission request, obtain the payment amount information input in the payment interactive interface;
  • S260 Generate a payment verification interface according to the payment amount information and the payment account information.
  • the payment interactive interface may have a predetermined area for inputting payment amount information. After the user enters the payment amount information in the predetermined area, the user can input the payment amount submission request for the payment interactive interface. This allows the electronic device to obtain the payment amount information entered in the payment interactive interface.
  • the specific method for obtaining payment account information associated with the electronic device may include:
  • the electronic device identification of the electronic device is sent to the cloud server, so that the cloud server can query the payment account information associated with the electronic device identification.
  • the electronic device identification may be a unique identification code of the electronic device.
  • the identification of the electronic device and the payment account information can be associated and stored in the cloud server, thereby reducing the resource occupation of the electronic device.
  • the specific method for obtaining payment account information associated with the electronic device may include:
  • the payment account information associated with the electronic device can be directly stored in the security chip of the electronic device, thereby improving the security of the payment account information.
  • the user before the user uses the electronic device to make a payment, the user needs to complete the binding operation of the electronic device and the payment account information, for example, the electronic device identification and the payment account information are associated and stored on the cloud server, Alternatively, the payment account information associated with the electronic device is directly stored in the security chip of the electronic device.
  • FIG. 4 shows a schematic flowchart of another embodiment of the information processing method of the present application. As shown in Fig. 4, the information processing method may further include:
  • S280 If the user verification information matches the verification information pre-stored in the electronic device, update the payment request with the merchant information, payment amount information, and payment account information;
  • step S270 of the embodiment of the present application in the case that the payment verification interface displays only one payment account information, the user can directly enter the user verification information corresponding to the payment account information in the payment verification interface; In the case of individual payment account information, the user can first select a payment account information for payment, and then enter the user verification information corresponding to the selected payment account information.
  • the user verification information may be at least one of voiceprint information, character information, fingerprint information, and face information.
  • step S280 of the embodiment of the present application when the user verification information matches the verification information pre-stored in the electronic device, the merchant information selected by the user or the default merchant information, the payment amount information entered by the user, and the user Add your payment account information to the payment request to update the payment request.
  • the updated payment request may be sent to the target device, so that the target device can obtain the merchant's payment account number, payment amount information, and payment account information corresponding to the merchant information in response to the updated payment request. , To complete the payment and feed back the payment result to the electronic device.
  • the signal characteristics of the broadcast signal may also be restricted to change the transmission characteristics of the broadcast signal.
  • the broadcast signal may be a signal whose frequency of the signal transmitted by the wireless access device into the predetermined coverage area is higher than the preset frequency threshold and/or the signal power is lower than the preset power threshold.
  • the penetration of broadcast signals can be made poor.
  • the business premises of the merchants are closed spaces such as shops, it is possible to prevent the broadcast signals emitted by the wireless access devices of the business premises of two adjacent merchants from interfering with each other. , So that in the business premises of a merchant, only the broadcast signal transmitted by the wireless access device associated with the merchant can be received, thereby improving the accuracy of determining the merchant information.
  • Fig. 5 shows a schematic flowchart of an example of a payment process according to an embodiment of the present application.
  • the payment process may include:
  • the user starts the payment application to send a payment request to the payment application module of the electronic device;
  • the payment application module sends a broadcast signal acquisition request for acquiring the broadcast signal to the wireless communication module of the electronic device;
  • the wireless communication module obtains the broadcast signal, and obtains the wireless access device identifier carried in the broadcast signal;
  • the wireless communication module returns the wireless access device identifier to the payment application module
  • the payment application module sends the wireless access device identifier to the payment backend server;
  • the payment background server queries the associated merchant information according to the wireless access device identifier
  • the payment application module generates a payment interaction page according to the merchant information queried by the payment background server;
  • the payment application module displays merchant information and prompts the user to enter payment amount information
  • the payment application module obtains payment account information associated with the electronic device
  • the payment application module generates a payment verification interface, and displays a list of payment account information, payment amount information, etc., and prompts the user to perform identity verification;
  • S314 The user selects a payment account information for payment, and enters user verification information corresponding to the selected payment account information;
  • the payment application module updates the payment request according to the merchant's collection account number, payment amount information, and payment account information;
  • the payment application module sends the updated payment request to the payment background server.
  • the payment background server returns the payment result to the payment application module.
  • Fig. 6 shows a schematic flowchart of another example of a payment process according to an embodiment of the present application.
  • the payment process may include:
  • the user starts the payment application to send a payment request to the payment application module of the electronic device;
  • the payment application module sends a broadcast signal acquisition request for acquiring the broadcast signal to the wireless communication module of the electronic device;
  • the wireless communication module obtains the broadcast signal, and obtains the merchant information carried in the broadcast signal;
  • the wireless communication module returns the merchant information to the payment application module
  • the payment application module generates a payment interaction page according to the merchant information returned by the wireless communication module;
  • the payment application module displays the merchant information and prompts the user to input payment amount information
  • the payment application module obtains payment account information associated with the electronic device
  • the payment application module generates a payment verification interface, and displays a list of payment account information, payment amount information, etc., and prompts the user to perform identity verification;
  • S411 The user selects a payment account information for payment, and enters user verification information corresponding to the selected payment account information;
  • the payment application module updates the payment request according to the merchant's collection account number, payment amount information, and payment account information;
  • the payment application module sends the updated payment request to the payment background server.
  • Fig. 7 shows a schematic structural diagram of an embodiment of the information processing apparatus of the present application.
  • the information processing apparatus 500 may be applied to the electronic device 101 shown in FIG. 1, where the information processing apparatus 500 may include:
  • the broadcast signal obtaining module 510 is configured to obtain a broadcast signal of the wireless access device in response to a received payment request when the electronic device is in a predetermined coverage area of the wireless access device;
  • the merchant information determining module 520 is configured to determine the merchant information associated with the wireless access device according to the information carried by the broadcast signal;
  • the interactive interface generating module 530 is configured to generate a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access device.
  • the electronic device when it is in the predetermined coverage area of the wireless access device, it can obtain the broadcast signal sent by the wireless access device after receiving the payment request sent by the user, and then use the broadcast signal
  • the carried information determines the merchant information associated with the wireless access device, that is, the merchant information corresponding to the payment request, so as to generate the payment interaction interface corresponding to the payment request based on the merchant information corresponding to the payment request, thereby eliminating the need for the user to perform other operations on the electronic device , Can quickly generate a payment interactive interface, therefore, the process of generating a payment interactive interface is simple, and because no other operations are required by users and merchants, payment efficiency can also be improved.
  • the wireless access device described in the embodiment of the present application may be the wireless access device 103 shown in FIG. 1.
  • the wireless access device can be located in the business premises of the merchants associated with it, and can transmit broadcast signals to a predetermined coverage area around itself.
  • the wireless access device may include at least one of a 5G base station, a 4G room division device, and a WIFI transmitter.
  • the broadcast signal acquisition module 510 may obtain the wireless signal in response to the received payment request.
  • the broadcast signal of the access device may obtain the wireless signal in response to the received payment request.
  • the electronic device generates a payment interactive interface based on the information carried by the broadcast signal transmitted by the wireless access device in the business premises of the merchant, so that the user can complete the payment according to the payment interactive interface.
  • the QR code's active scanning method will not cause the risk of QR code being replaced. Therefore, it can also avoid the problem of wrong payment objects.
  • the merchant information may include at least one of a merchant identifier, a merchant name, a merchant's payment account number, and a merchant address.
  • the information carried by the broadcast signal includes the wireless access device identifier of the wireless access device
  • the merchant information determining module 520 may be specifically configured as follows:
  • the target device may be the payment back-end server 102 shown in FIG. 1, because the wireless access device identification and merchant information are associated and stored in the merchant data storage module of the payment back-end server 102.
  • the broadcast signal transmitted by the wireless access device identifier in the embodiment of the present application carries less information, which can improve the security of the merchant's merchant information, and prevent users other than the paying user from being able to obtain the merchant's information through the broadcast signal.
  • Business information can improve the security of the merchant's merchant information, and prevent users other than the paying user from being able to obtain the merchant's information through the broadcast signal.
  • the information carried by the broadcast signal includes merchant information associated with the wireless access device
  • the merchant information determining module 520 may be specifically configured as follows:
  • the electronic device can directly obtain the information carried by the broadcast signal after acquiring the broadcast signal of the wireless access device.
  • the merchant information associated with the wireless access device saves the interaction process with other devices, improves the efficiency of information processing, and reduces the time for generating the payment interaction interface corresponding to the payment request.
  • the merchant information determining module 520 may be further configured to:
  • the interactive interface generation module 530 may be further configured as:
  • the target merchant information is used as the default merchant information, and the merchant information except the target merchant information in the deduplicated merchant information is used as the candidate merchant information, and the payment interaction interface corresponding to the payment request is generated.
  • the payment interaction interface can be generated based on the default merchant information and alternative merchant information, so that the user can follow Merchant selection and modification are required to improve the user experience.
  • the information processing device 500 may further include an interactive interface update module configured to:
  • the alternative merchant information selected by the merchant selection operation is used to replace the default merchant information to obtain an updated payment interactive interface.
  • the information processing device 500 may further include a verification interface generation module configured to:
  • a payment verification interface is generated.
  • the verification interface generation module is further configured to:
  • the electronic device identification of the electronic device is sent to the cloud server, so that the cloud server can query the payment account information associated with the electronic device identification.
  • the verification interface generation module is further configured to:
  • the information processing device 500 may further include a payment request update module configured to:
  • a broadcast signal is a signal whose frequency of a signal transmitted by a wireless access device into a predetermined coverage area is higher than a preset frequency threshold and/or a signal power is less than a preset power threshold.
  • the penetration of broadcast signals can be made poor.
  • the business premises of the merchants are closed spaces such as shops, it is possible to prevent the broadcast signals emitted by the wireless access devices of the business premises of two adjacent merchants from interfering with each other. , So that in the business premises of a merchant, only the broadcast signal transmitted by the wireless access device associated with the merchant can be received, thereby improving the accuracy of determining the merchant information.
  • FIG. 8 shows a schematic diagram of the hardware structure of an embodiment of the information processing device 600 of the present application.
  • the information processing device 600 includes an input device 601, an input interface 602, a central processing unit 603, a memory 604, an output interface 605, and an output device 606.
  • the input interface 602, the central processing unit 603, the memory 604, and the output interface 605 are connected to each other through the bus 610, and the input device 601 and the output device 606 are respectively connected to the bus 610 through the input interface 602 and the output interface 605, and then to the information processing device 600 other components are connected.
  • the input device 601 receives input information from the outside, and transmits the input information to the central processing unit 603 through the input interface 602; the central processing unit 603 processes the input information based on the computer executable instructions stored in the memory 604 to generate output Information, the output information is temporarily or permanently stored in the memory 604, and then the output information is transmitted to the output device 606 through the output interface 605; the output device 606 outputs the output information to the outside of the information processing device 600 for use by the user.
  • the information processing device shown in FIG. 8 can also be implemented as including: a memory storing computer-executable instructions; and a processor, which can implement what is described in the embodiments of the present application when the processor executes the computer-executable instructions Information processing method and device.
  • the embodiments of the present application also provide a computer-readable storage medium on which computer program instructions are stored; when the computer program instructions are executed by a processor, the information processing method provided in the embodiments of the present application is implemented.
  • Examples of computer-readable storage media may be non-transitory computer-readable storage media, including ROM, RAM, magnetic disks, or optical disks.
  • the functional blocks shown in the above structural block diagram can be implemented as hardware, software, firmware, or a combination thereof.
  • hardware When implemented in hardware, it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, and so on.
  • ASIC application specific integrated circuit
  • the elements of this application are programs or code segments used to perform required tasks.
  • the program or code segment may be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link through a data signal carried in a carrier wave.
  • Machine-readable medium may include any medium that can store or transmit information.
  • machine-readable media examples include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, and so on.
  • the code segment can be downloaded via a computer network such as the Internet, an intranet, and so on.

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Abstract

一种信息处理方法、装置、设备及计算机可读存储介质。其中，一种信息处理方法包括：在电子设备处于无线接入设备的预定覆盖区域的情况下，响应于接收到的支付请求，获取无线接入设备的广播信号（S210）；根据广播信号所携带的信息，确定与无线接入设备相关联的商户信息（S220）；根据与无线接入设备相关联的商户信息，生成支付请求对应的支付交互界面（S230）。该方法能够简单、快速、高效地生成支付交互界面，以提高支付效率。

Description

信息处理方法、装置、设备及计算机可读存储介质
相关申请的交叉引用
本申请要求享有于2019年9月17日提交的名称为“信息处理方法、装置、设备及计算机可读存储介质”的中国专利申请201910877020.X的优先权，该申请的全部内容通过引用并入本文中。
技术领域
本申请涉及信息处理技术领域，特别是涉及一种信息处理方法、装置、设备及计算机可读存储介质。
背景技术
相关技术中的电子设备的支付方式包括：扫码支付和近场通信(Near Field Communication，NFC)支付。
其中，NFC支付需要对电子设备的硬件进行改造，使不支持NFC技术的电子设备不能实现NFC支付功能，而扫码支付则无需对电子设备的硬件进行改造，可以适用于大部分电子设备。
扫码支付的过程中，包括主动扫码和被动扫码两种形式，在主动扫码形式下，需要用户打开支付应用程序，利用支付应用程序扫描商户的收款码，然后生成支付交互界面，在被动扫码形式下，需要用户打开支付应用程序，并且向商户展示支付应用程序中的付款码，然后通过商户使用扫码设备扫码用户的付款码，以生成支付交互界面。
上述的生成支付交互界面的过程复杂，使得用户和商户的操作繁琐，并且会导致支付效率降低。
发明内容
本申请实施例提供一种信息处理方法、装置、设备及计算机可读存储 介质，能够简单、快速、高效地生成支付交互界面，以提高支付效率。
第一方面，本申请实施例提供了一种信息处理方法，该方法包括：
在电子设备处于无线接入设备的预定覆盖区域的情况下，响应于接收到的支付请求，获取无线接入设备的广播信号；
根据广播信号所携带的信息，确定与无线接入设备相关联的商户信息；
根据与无线接入设备相关联的商户信息，生成支付请求对应的支付交互界面。
第二方面，本申请实施例提供了一种信息处理装置，该装置包括：
广播信号获取模块，配置为在电子设备处于无线接入设备的预定覆盖区域的情况下，响应于接收到的支付请求，获取无线接入设备的广播信号；
商户信息确定模块，配置为根据广播信号所携带的信息，确定与无线接入设备相关联的商户信息；
交互界面生成模块，配置为根据与无线接入设备相关联的商户信息，生成支付请求对应的支付交互界面。
第三方面，本申请实施例提供了一种信息处理设备，设备包括：处理器以及存储有计算机程序指令的存储器；
处理器执行计算机程序指令时实现本申请实施例第一方面所述的信息处理方法。
第四方面，本申请实施例提供了一种计算机可读存储介质，计算机可读存储介质上存储有计算机程序指令，计算机程序指令被处理器执行时实现本申请实施例第一方面所述的信息处理方法。
本申请实施例的信息处理方法、装置、设备及计算机可读存储介质，在电子设备处于无线接入设备的预定覆盖区域的情况下，能够在接收到用户发出的支付请求之后，获取无线接入设备所发出的广播信号，然后利用广播信号所携带的信息确定与无线接入设备相关联的商户信息，即支付请求对应的商户信息，以根据支付请求对应的商户信息，生成支付请求对应的支付交互界面，从而无需用户对电子设备进行其他操作，既可以快速生成支付交互界面，因此，生成支付交互界面的过程简单，并且由于无需用户和商户进行其他操作，还可以提高支付效率。
附图说明
下面将通过参考附图来描述本申请示例性实施例的特征、优点和技术效果。
图1是示例性的支付系统的系统架构图；
图2是本申请的信息处理方法的实施例的流程示意图；
图3是本申请的信息处理方法的另一实施例的流程示意图；
图4是本申请的信息处理方法的又一实施例的流程示意图；
图5是根据本申请实施例的支付流程的示例的流程示意图；
图6是根据本申请实施例的支付流程的另一示例的流程示意图；
图7是本申请的信息处理装置的实施例的结构示意图；
图8是本申请的信息处理设备的实施例的硬件结构示意图。
具体实施方式
下面结合附图和实施例对本申请的实施方式作进一步详细描述。以下实施例的详细描述和附图用于示例性地说明本申请的原理，但不能用来限制本申请的范围，即本申请不限于所描述的实施例。
在本申请的描述中，需要说明的是，诸如第一和第二等之类的关系术语仅仅用来将一个实体或者操作与另一个实体或操作区分开来，而不一定要求或者暗示这些实体或操作之间存在任何这种实际的关系或者顺序。而且，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、物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、物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……”限定的要素，并不排除在包括所述要素的过程、方法、物品或者设备中还存在另外的相同要素。
本申请的第一方面提供一种信息处理方法，其可应用于支付系统的电子设备，以解决现有技术在利用电子设备进行支付的过程中，生成支付交互界面的过程复杂的问题。
图1示出了示例性的支付系统的系统架构图。如图1所示，支付系统100包括电子设备101、支付后台服务器102和无线接入设备103。
在本申请实施例中，电子设备101例如可以是手机、平板电脑、个人电脑等。支付后台服务器102可以是一种高性能的电子计算器，用于存储和处理数据，并且能够与电子设备101进行数据交互。无线接入设备103可以包括5G基站、4G室分设备和WIFI发射器中的至少一种。
无线接入设备103可以铺设于对应的商户的经营场所内，商户的经营场所可以具体为店铺、室内或室外的摊位。其中，一个无线接入设备103只能对应一个商户的经营场所，但是一个商户的经营场所可以对应一个或者多个无线接入设备103。
当无线接入设备103在商户的经营场所内铺设完毕后，商户需要在支付后台服务器102进行入网注册，完成无线接入设备103与商户的商户信息的关联操作，以将无线接入设备103的无线接入设备标识和商户信息关联存储于无线接入设备103的商户数据存储模块中，其中，商户信息包括商户标识、商户名称、商户收款账号和商户地址中的至少一个。当商户在支付后台服务器102完成入网注册后，便可以在支付后台服务器102开通交易功能，启动收费操作，使无线接入设备103可以向自身周围的预定覆盖区域内发射广播信号，以及使电子设备101可以利用该广播信号生成支付交互界面，当用户在电子设备101的支付交互界面内输入支付交互操作后，电子设备101可以向支付后台服务器102发送支付请求，使支付后台服务器102根据支付请求完成支付。
下面对本申请实施例所提供的可应用于图1所示的电子设备101的支付信息处理方法进行介绍。
图2示出了本申请的信息处理方法的实施例的流程示意图。如图2所示，该信息处理方法可以包括：
S210、在电子设备处于无线接入设备的预定覆盖区域的情况下，响应于接收到的支付请求，获取无线接入设备的广播信号；
S220、根据广播信号所携带的信息，确定与无线接入设备相关联的商户信息；
S230、根据与无线接入设备相关联的商户信息，生成支付请求对应的支付交互界面。
在本申请实施例中，在电子设备处于无线接入设备的预定覆盖区域的情况下，能够在接收到用户发出的支付请求之后，获取无线接入设备所发出的广播信号，然后利用广播信号所携带的信息确定与无线接入设备相关联的商户信息，即支付请求对应的商户信息，以根据支付请求对应的商户信息，生成支付请求对应的支付交互界面，从而无需用户对电子设备进行其他操作，既可以快速生成支付交互界面，因此，生成支付交互界面的过程简单，并且由于无需用户和商户进行其他操作，还可以提高支付效率。
本申请实施例中所述的无线接入设备，可以为图1中所示的无线接入设备103。无线接入设备可以位于与其相关联的商户的经营场所内，并且能够向自身周围的预定覆盖区域内发射广播信号。具体地，无线接入设备可以包括5G基站、4G室分设备和WIFI发射器中的至少一种。
在本申请实施例中，当用户进入商户的经营场所后，如果处于与该商户相关联的无线接入设备的预定覆盖区域，则可以执行本申请实施例所述的信息处理方法。
在本申请实施例中，由于电子设备基于商户的经营场所内的无线接入设备所发射的广播信号所携带的信息，生成支付交互界面，以使用户根据支付交互界面完成支付，相比于二维码的主动扫码形式，不会出现二维码被替换的风险，因此，还可以避免出现支付对象错误的问题。
在本申请实施例中，电子设备中可以安装有用于支付的支付应用程序，并基于用户对支付应用程序的交互操作，使电子设备执行本申请实施例所述的信息处理方法；电子设备也可以直接具备支付功能按键，并基于用户对支付功能按键的触发操作，使电子设备执行本申请实施例所述的信息处理方法。
在本申请一些实施例的步骤S210中，在电子设备中安装有支付应用程序的情况下，当用户启动支付应用程序时，支付应用程序会产生支付请求，此时，电子设备可以响应于接收到的支付请求，获取无线接入设备的广播信号。
在本申请另一些实施例的步骤S210中，在电子设备具备支付功能按键的情况下，当用户点击支付功能按键时，支付功能按键可以触发支付请求，此时，电阻设备可以响应于接收到的支付请求，获取无线接入设备的广播信号。
在本申请实施例中，商户信息可以包括商户标识、商户名称、商户收款账号和商户地址中的至少一个。
本申请实施例的步骤S220中所述的广播信号所携带的信息可以包括无线接入设备的无线接入设备标识，也可以包括与无线接入设备相关联的商户信息，还可以同时包括无线接入设备的无线接入设备标识和与无线接入设备相关联的商户信息。
在广播信号所携带的信息包括无线接入设备的无线接入设备标识的情况下，根据广播信号所携带的信息确定与无线接入设备相关联的商户信息的具体方法可以包括：
获取广播信号所携带的无线接入设备标识；
将无线接入设备标识发送至目标设备，以使目标设备查询与无线接入设备标识具有关联关系的商户信息；
接收目标设备查询到的商户信息，并将所接收的商户信息作为与无线接入设备相关联的商户信息。
在本申请实施例中，无线接入设备标识可以为无线接入设备的设备识别码，也可以为商户在支付后台服务器102进行入网注册时，为无线接入设备设置的标识码，在此不做限制。
在本申请实施例中，目标设备可以为图1中所示的支付后台服务器102，由于在支付后台服务器102的商户数据存储模块中关联存储有无线接入设备标识和商户信息。
因此，在这些实施例中，电子设备在获取无线接入设备的广播信号后，可以获取广播信号所携带的无线接入设备标识，并将无线接入设备标识发送至目标设备，以使目标设备基于电子设备所发送的无线接入设备标识，在商户数据存储模块中查询与该无线接入设备标识关联存储的商户信息，并将所查询到的商户信息反馈给电子设备。电子设备在接收到目标设备查 询到的商户信息后，可以将所接收的商户信息作为与无线接入设备相关联的商户信息。
由此，本申请实施例中的无线接入设备标识所发射的广播信号所携带的信息较少，可以提高商户的商户信息的安全性，避免支付用户以外的其他用户可以通过广播信号获取商户的商户信息。
在广播信号所携带的信息包括与无线接入设备相关联的商户信息的情况下，根据广播信号所携带的信息确定与无线接入设备相关联的商户信息的具体方法可以包括：
获取广播信号所携带的与无线接入设备相关联的商户信息。
由于广播信号所携带的信息中直接包括与无线接入设备相关联的商户信息，因此，在这些实施例中，电子设备在获取无线接入设备的广播信号后，可以直接获取广播信号所携带的与无线接入设备相关联的商户信息，节约了与其他设备之间的交互过程，提高了信息处理效率，以及减少了生成支付请求对应的支付交互界面的时间。
在本申请一些实施例中，在一个商户的经营场所内可能铺设有一个或者多个无线接入设备，当用户所处的位置仅处于一个无线接入设备的预定覆盖范围时，步骤S230中所述的根据与无线接入设备相关联的商户信息生成支付请求对应的支付交互界面的具体方法可以为：直接利用该无线接入设备相关联的商户信息生成支付交互界面。其中，支付交互界面可以展示该无线接入设备相关联的商户信息，以及提示用户在支付交互界面的预定区域内输入支付金额信息。
在本申请另一些实施例中，在一个商户的经营场所内可能铺设有多个无线接入设备，多个无线接入设备中的至少两个可能具有重叠覆盖区域，若用户所处的位置处于重叠覆盖区域内，则电子设备会处于多个无线接入设备的预定覆盖区域中且可以同时接收到多个广播信号，在这样的情况下，步骤S220中所述的根据广播信号所携带的信息确定与无线接入设备相关联的商户信息的具体方法可以包括：
针对多个广播信号中的每一个，确定与广播信号对应的无线接入设备相关联的商户信息，得到多个商户信息；
对多个商户信息进行去重处理，得到去重后的商户信息。
例如，在电子设备接收到一个商户的经营场所内的两个无线接入设备所发射的两个广播信号的情况下，电子设备首先根据每个广播信号确定其对应的商户信息，然后对根据两个广播信号确定的两个商户信息进行去重处理，由于两个广播信号为同一个商户的经营场所内的两个无线接入设备所发射的，因此，去重后仅保留一个商户信息，该被保留的商户信息可以用于生成支付请求对应的支付交互界面。
在这些实施例的步骤S230中，根据与无线接入设备相关联的商户信息生成支付请求对应的支付交互界面的具体方法可以为：
根据去重后的商户信息，生成支付请求对应的支付交互界面。
因此，可以在电子设备接收到一个商户的经营场所内的多个无线接入设备所发射的广播信号的情况下，仅基于一个商户信息生成支付交互界面，以提高用户的使用体验。
在本申请又一些实施例中，在一个商户的经营场所内可能铺设有一个或多个无线接入设备，在多个商户的经营场所的交界位置，多个商户的多个无线接入设备中的至少两个可能具有重叠覆盖区域，若用户所处的位置处于重叠覆盖区域内，则电子设备会处于多个无线接入设备的预定覆盖区域中且可以同时接收到多个广播信号，在这样的情况下，步骤S220中所述的根据广播信号所携带的信息确定与无线接入设备相关联的商户信息的具体方法可以包括：
针对多个广播信号中的每一个，确定与广播信号对应的无线接入设备相关联的商户信息，得到多个商户信息；
对多个商户信息进行去重处理，得到去重后的商户信息。
例如，在电子设备接收到两个商户的经营场所内的无线接入设备所发射的广播信号的情况下，加入电子设备接收到商户A的经营场所内的两个无线接入设备所发射的两个广播信号和商户B的经营场所内的一个无线接入设备所发射的一个广播信号，此时，电子设备首先根据每个广播信号确定其对应的商户信息，然后对根据三个广播信号确定的三个商户信息进行去重处理，由于两个广播信号由商户A的经营场所内的两个无线接入设备 发射，一个广播信号由商户B的经营场所内的一个无线接入设备发射，因此，去重后仅保留一个商户A的商户信息和一个商户B的商户信息，该两个被保留的商户信息可以用于生成支付请求对应的支付交互界面。
在这些实施例的步骤S230中，去重后的商户信息的数量为多个，在此情况下，根据与无线接入设备相关联的商户信息生成支付请求对应的支付交互界面的具体方法可以为：
在去重后的商户信息中，确定与信号接收强度最大的广播信号对应的目标无线接入设备相关联的目标商户信息；
将目标商户信息作为默认商户信息，将去重后的商户信息中除目标商户信息以外的其他商户信息作为备选商户信息，生成支付请求对应的支付交互界面。
其中，由于信号接收强度最大的广播信号对应的目标无线接入设备与用户的距离最小，则可以认为与该目标无线接入设备相关联的目标商户信息即为用户所处的商户的经营场所内的无线接入设备。
由于去重后的商户信息的数量为多个，则需要将多个去重后的商户信息中的一个作为默认商户信息，而根据信号接收强度确定的默认商户信息可能并不是用户所希望支付的商户，因此，可以将其他商户信息作为备选商户信息，然后基于默认商户信息和备选商户信息生成支付请求对应的支付交互界面，支付交互界面可以首先展示该默认商户信息，并且在商户备选区域中展示备选商户信息，以及提示用户在支付交互界面的预定区域内输入支付金额信息。其中，商户备选区域可以基于用户输入的商户修改请求而显示在支付交互界面上，也可以直接显示在支付交互界面上，在此不做限制。
因此，可以在电子设备接收到多个商户的经营场所内的多个无线接入设备所发射的广播信号的情况下，基于默认商户信息和备选商户信息生成支付交互界面，以使用户可以根据需要进行商户选择和修改，从而提高用户的使用体验。
在这些实施例中，在生成支付请求对应的支付交互界面之后，该信息处理方法还可以包括：
获取在支付交互界面内输入的商户选择操作；
响应于商户选择操作，利用商户选择操作所选择的备选商户信息替换默认商户信息，得到更新后的支付交互界面。
由此，用户可以在支付交互界面内输入的商户选择操作，例如，在商户备选区域内选取一个备选商户信息，然后电子设备可以响应于该商户选择操作，利用商户选择操作所选择的备选商户信息替换默认商户信息，使支付交互界面首先展示商户选择操作所选择的备选商户信息，并将默认商户信息与其他备选商户信息一同展示在商户备选区域内，从而得到更新后的支付交互界面，以使用户基于更新后的支付交互界面完成支付。
图3示出了本申请的信息处理方法的另一实施例的流程示意图。如图3所示，该信息处理方法还可以包括：
S240、响应于接收到的支付金额提交请求，获取在支付交互界面内输入的支付金额信息；
S250、获取与电子设备相关联的支付账户信息；
S260、根据支付金额信息和支付账户信息，生成支付验证界面。
在本申请实施例的步骤S240中，支付交互界面可以具有用于输入支付金额信息的预定区域，当用户在预定区域内输入了支付金额信息后，可以针对该支付交互界面输入支付金额提交请求，以使电子设备获取在支付交互界面内输入的支付金额信息。
在本申请一些实施例的步骤S250中，获取与电子设备相关联的支付账户信息的具体方法可以包括：
将电子设备的电子设备标识发送至云端服务器，以使云端服务器查询与电子设备标识具有关联关系的支付账户信息。
其中，电子设备标识可以为电子设备的唯一标识码。
因此，本申请实施例中，可以将电子设备标识与支付账户信息关联存储在云端服务器，减少对电子设备的资源占用。
在本申请另一些实施例的步骤S250中，获取与电子设备相关联的支付账户信息的具体方法可以包括：
获取电子设备的安全芯片内存储的与电子设备相关联的支付账户信息。
因此，本申请实施例中，可以将与电子设备相关联的支付账户信息直接存储在电子设备的安全芯片内，从而提高支付账户信息的安全性。
需要说明的是，在本申请实施例中，在用户使用电子设备进行支付前，需要完成电子设备与支付账户信息的绑定操作，例如，将电子设备标识与支付账户信息关联存储在云端服务器，或者，将与电子设备相关联的支付账户信息直接存储在电子设备的安全芯片内。
图4示出了本申请的信息处理方法的又一实施例的流程示意图。如图4所示，该信息处理方法还可以包括：
S270、获取在支付验证界面接收的用户验证信息；
S280、若用户验证信息与电子设备中预存的验证信息相匹配，利用商户信息、支付金额信息和支付账户信息更新支付请求；
S290、将更新后的支付请求发送至目标设备。
在本申请实施例的步骤S270中，在支付验证界面仅显示了一个支付账户信息的情况下，用户可以直接在支付验证界面输入该支付账户信息对应的用户验证信息；在支付验证界面显示了多个支付账户信息的情况下，用户可以先选择一个用于支付的支付账户信息，然后输入所选择的支付账户信息对应的用户验证信息。
在本申请实施例中，用户验证信息可以为声纹信息、字符信息、指纹信息和人脸信息中的至少一种。
在本申请实施例的步骤S280中，在用户验证信息与电子设备中预存的验证信息相匹配的情况下，可以将用户所选择的商户信息或者默认商户信息、用户所输入的支付金额信息和用户的支付账户信息加入支付请求，以更新支付请求。
在本申请实施例的步骤S290中，可以将更新后的支付请求发送至目标设备，使目标设备响应于更新后的支付请求，获取商户信息对应的商户收款账号、支付金额信息和支付账户信息，以完成支付，并将支付结果反馈至电子设备。
在本申请一些实施例中，还可以对广播信号的信号特征进行限制，以改变广播信号的传输特性。具体地，广播信号可以为由无线接入设备向预 定覆盖区域内发射的信号频率高于预设频率阈值和/或信号功率小于预设功率阈值的信号。
因此，可以使广播信号的穿透性较差，在商户的经营场所为店铺等封闭空间的情况下，可以避免相邻的两个商户的经营场所的无线接入设备所发射的广播信号相互干扰，使得在一个商户的经营场所内，可以仅接收到该商户相关联的无线接入设备所发射的广播信号，从而提高确定商户信息的准确性。
图5示出了根据本申请实施例的支付流程的示例的流程示意图。如图5所示，在广播信号所携带的信息包括无线接入设备的无线接入设备标识且电子设备上安装有支付应用程序的情况下，该支付流程可以包括：
S301、无线接入设备启动后，不断发出广播信号；
S302、用户启动支付应用程序，以向电子设备的支付应用模块发出支付请求；
S303、支付应用模块向电子设备的无线通讯模块发出获取广播信号的广播信号获取请求；
S304、无线通讯模块获取广播信号，并获取广播信号所携带的无线接入设备标识；
S305、无线通讯模块将无线接入设备标识返回至支付应用模块；
S306、支付应用模块将无线接入设备标识发送至支付后台服务器；
S307、支付后台服务器根据无线接入设备标识查询相关联的商户信息；
S308、支付后台服务器将查询到的商户信息返回至支付应用模块；
S309、支付应用模块根据支付后台服务器查询到的商户信息，生成支付交互页面；
S310、支付应用模块展示商户信息，并提示用户输入支付金额信息；
S311、用户输入支付金额信息后，点击支付按钮，向支付应用模块发送支付金额提交请求；
S312、支付应用模块获取与电子设备相关联的支付账户信息；
S313、支付应用模块生成支付验证界面，并展示支付账户信息列表、支付金额信息等，提示用户进行身份验证；
S314、用户选择一个用于支付的支付账户信息，并输入所选择的支付账户信息对应的用户验证信息；
S315、支付应用模块根据商户收款账号、支付金额信息和支付账户信息更新支付请求；
S316、支付应用模块将更新后的支付请求发送至支付后台服务器。
S317、支付后台服务器向支付应用模块返回支付结果。
图6示出了根据本申请实施例的支付流程的另一示例的流程示意图。如图6所示，在广播信号所携带的信息包括与无线接入设备相关联的商户信息且电子设备上安装有支付应用程序的情况下，该支付流程可以包括：
S401、无线接入设备启动后，不断发出广播信号；
S402、用户启动支付应用程序，以向电子设备的支付应用模块发出支付请求；
S403、支付应用模块向电子设备的无线通讯模块发出获取广播信号的广播信号获取请求；
S404、无线通讯模块获取广播信号，并获取广播信号所携带的商户信息；
S405、无线通讯模块将商户信息返回至支付应用模块；
S406、支付应用模块根据无线通讯模块返回的商户信息，生成支付交互页面；
S407、支付应用模块展示商户信息，并提示用户输入支付金额信息；
S408、用户输入支付金额信息后，点击支付按钮，向支付应用模块发送支付金额提交请求；
S409、支付应用模块获取与电子设备相关联的支付账户信息；
S410、支付应用模块生成支付验证界面，并展示支付账户信息列表、支付金额信息等，提示用户进行身份验证；
S411、用户选择一个用于支付的支付账户信息，并输入所选择的支付账户信息对应的用户验证信息；
S412、支付应用模块根据商户收款账号、支付金额信息和支付账户信息更新支付请求；
S413、支付应用模块将更新后的支付请求发送至支付后台服务器。
S414、支付后台服务器向支付应用模块返回支付结果。
图7示出了本申请的信息处理装置的实施例的结构示意图。如图7所示，该信息处理装置500可以应用于图1中所示的电子设备101，其中，该信息处理装置500可以包括：
广播信号获取模块510，配置为在电子设备处于无线接入设备的预定覆盖区域的情况下，响应于接收到的支付请求，获取无线接入设备的广播信号；
商户信息确定模块520，配置为根据广播信号所携带的信息，确定与无线接入设备相关联的商户信息；
交互界面生成模块530，配置为根据与无线接入设备相关联的商户信息，生成支付请求对应的支付交互界面。
在本申请实施例中，在电子设备处于无线接入设备的预定覆盖区域的情况下，能够在接收到用户发出的支付请求之后，获取无线接入设备所发出的广播信号，然后利用广播信号所携带的信息确定与无线接入设备相关联的商户信息，即支付请求对应的商户信息，以根据支付请求对应的商户信息，生成支付请求对应的支付交互界面，从而无需用户对电子设备进行其他操作，既可以快速生成支付交互界面，因此，生成支付交互界面的过程简单，并且由于无需用户和商户进行其他操作，还可以提高支付效率。
本申请实施例中所述的无线接入设备，可以为图1中所示的无线接入设备103。无线接入设备可以位于与其相关联的商户的经营场所内，并且能够向自身周围的预定覆盖区域内发射广播信号。具体地，无线接入设备可以包括5G基站、4G室分设备和WIFI发射器中的至少一种。
在本申请实施例中，当用户进入商户的经营场所后，如果处于与该商户相关联的无线接入设备的预定覆盖区域，则广播信号获取模块510可以响应于接收到的支付请求，获取无线接入设备的广播信号。
在本申请实施例中，由于电子设备基于商户的经营场所内的无线接入设备所发射的广播信号所携带的信息，生成支付交互界面，以使用户根据支付交互界面完成支付，相比于二维码的主动扫码形式，不会出现二维码 被替换的风险，因此，还可以避免出现支付对象错误的问题。
在本申请实施例中，商户信息可以包括商户标识、商户名称、商户收款账号和商户地址中的至少一个。
在本申请一些实施例中，广播信号所携带的信息包括无线接入设备的无线接入设备标识；
在这些实施例中，商户信息确定模块520可以具体配置为：
获取广播信号所携带的无线接入设备标识；
将无线接入设备标识发送至目标设备，以使目标设备查询与无线接入设备标识具有关联关系的商户信息；
接收目标设备查询到的商户信息，并将所接收的商户信息作为与无线接入设备相关联的商户信息。
在本申请实施例中，目标设备可以为图1中所示的支付后台服务器102，由于在支付后台服务器102的商户数据存储模块中关联存储有无线接入设备标识和商户信息。
由此，本申请实施例中的无线接入设备标识所发射的广播信号所携带的信息较少，可以提高商户的商户信息的安全性，避免支付用户以外的其他用户可以通过广播信号获取商户的商户信息。
在本申请一些实施例中，广播信号所携带的信息包括与无线接入设备相关联的商户信息；
在这些实施例中，商户信息确定模块520可以具体配置为：
获取广播信号所携带的与无线接入设备相关联的商户信息。
由于广播信号所携带的信息中直接包括与无线接入设备相关联的商户信息，因此，在这些实施例中，电子设备在获取无线接入设备的广播信号后，可以直接获取广播信号所携带的与无线接入设备相关联的商户信息，节约了与其他设备之间的交互过程，提高了信息处理效率，以及减少了生成支付请求对应的支付交互界面的时间。
在本申请一些实施例中，在电子设备处于多个无线接入设备的预定覆盖区域中且接收到多个广播信号的情况下，商户信息确定模块520还可以进一步配置为：
针对多个广播信号中的每一个，确定与广播信号对应的无线接入设备相关联的商户信息，得到多个商户信息；
对多个商户信息进行去重处理，得到去重后的商户信息。
在本申请另一些实施例中，在去重后的商户信息的数量为多个的情况下，交互界面生成模块530可以进一步配置为：
在去重后的商户信息中，确定与信号接收强度最大的广播信号对应的目标无线接入设备相关联的目标商户信息；
将目标商户信息作为默认商户信息，将去重后的商户信息中除目标商户信息以外的其他商户信息作为备选商户信息，生成支付请求对应的支付交互界面。
因此，可以在电子设备接收到多个商户的经营场所内的多个无线接入设备所发射的广播信号的情况下，基于默认商户信息和备选商户信息生成支付交互界面，以使用户可以根据需要进行商户选择和修改，从而提高用户的使用体验。
在这些实施例中，该信息处理装置500还可以包括交互界面更新模块，配置为：
获取在支付交互界面内输入的商户选择操作；
响应于商户选择操作，利用商户选择操作所选择的备选商户信息替换默认商户信息，得到更新后的支付交互界面。
在本申请一些实施例中，该信息处理装置500还可以包括验证界面生成模块，配置为：
响应于接收到的支付金额提交请求，获取在支付交互界面内输入的支付金额信息；
获取与电子设备相关联的支付账户信息；
根据支付金额信息和支付账户信息，生成支付验证界面。
在一些实施例中，验证界面生成模块还被配置为：
将电子设备的电子设备标识发送至云端服务器，以使云端服务器查询与电子设备标识具有关联关系的支付账户信息。
在另一些实施例中，验证界面生成模块还被配置为：
获取电子设备的安全芯片内存储的与电子设备相关联的支付账户信息。
在本申请一些实施例中，该信息处理装置500还可以包括支付请求更新模块，配置为：
获取在支付验证界面接收的用户验证信息；
若用户验证信息与电子设备中预存的验证信息相匹配，利用商户信息、支付金额信息和支付账户信息更新支付请求；
将更新后的支付请求发送至目标设备，使目标设备响应于更新后的支付请求，获取商户信息对应的商户收款账号、支付金额信息和支付账户信息，以完成支付，并将支付结果反馈至电子设备。
在本申请一些实施例中，广播信号为由无线接入设备向预定覆盖区域内发射的信号频率高于预设频率阈值和/或信号功率小于预设功率阈值的信号。
因此，可以使广播信号的穿透性较差，在商户的经营场所为店铺等封闭空间的情况下，可以避免相邻的两个商户的经营场所的无线接入设备所发射的广播信号相互干扰，使得在一个商户的经营场所内，可以仅接收到该商户相关联的无线接入设备所发射的广播信号，从而提高确定商户信息的准确性。
本申请实施例的信息处理方法和装置可以由信息处理设备来实现。图8示出了本申请的信息处理设备600的实施例的硬件结构示意图。
如图8所示，信息处理设备600包括输入设备601、输入接口602、中央处理器603、存储器604、输出接口605、以及输出设备606。其中，输入接口602、中央处理器603、存储器604、以及输出接口605通过总线610相互连接，输入设备601和输出设备606分别通过输入接口602和输出接口605与总线610连接，进而与信息处理设备600的其他组件连接。
具体地，输入设备601接收来自外部的输入信息，并通过输入接口602将输入信息传送到中央处理器603；中央处理器603基于存储器604中存储的计算机可执行指令对输入信息进行处理以生成输出信息，将输出信息临时或者永久地存储在存储器604中，然后通过输出接口605将输出信息传送到输出设备606；输出设备606将输出信息输出到信息处理设备600的外 部供用户使用。
也就是说，图8所示的信息处理设备也可以被实现为包括：存储有计算机可执行指令的存储器；以及处理器，该处理器在执行计算机可执行指令时可以实现本申请实施例描述的信息处理方法和装置。
本申请实施例还提供一种计算机可读存储介质，该计算机可读存储介质上存储有计算机程序指令；该计算机程序指令被处理器执行时实现本申请实施例提供的信息处理方法。计算机可读存储介质的示例可以是非暂态计算机可读存储介质，包括ROM、RAM、磁碟或者光盘等。
以上的结构框图中所示的功能块可以实现为硬件、软件、固件或者它们的组合。当以硬件方式实现时，其可以例如是电子电路、专用集成电路(ASIC)、适当的固件、插件、功能卡等等。当以软件方式实现时，本申请的元素是被用于执行所需任务的程序或者代码段。程序或者代码段可以存储在机器可读介质中，或者通过载波中携带的数据信号在传输介质或者通信链路上传送。“机器可读介质”可以包括能够存储或传输信息的任何介质。机器可读介质的例子包括电子电路、半导体存储器设备、ROM、闪存、可擦除ROM(EROM)、软盘、CD-ROM、光盘、硬盘、光纤介质、射频(RF)链路，等等。代码段可以经由诸如因特网、内联网等的计算机网络被下载。
还需要说明的是，本申请中提及的示例性实施例，基于一系列的步骤或者装置描述一些方法或系统。但是，本申请不局限于上述步骤的顺序，也就是说，可以按照实施例中提及的顺序执行步骤，也可以不同于实施例中的顺序，或者若干步骤同时执行。
以上，仅为本申请的具体实施方式，所属领域的技术人员可以清楚地了解到，为了描述的方便和简洁，上述描述的系统、模块和单元的具体工作过程，可以参考前述方法实施例中的对应过程，在此不再赘述。应理解，本申请的保护范围并不局限于此，任何熟悉本技术领域的技术人员在本申请揭露的技术范围内，可轻易想到各种等效的修改或替换，这些修改或替换都应涵盖在本申请的保护范围之内。

Claims (16)

  1. 一种信息处理方法，包括：
    在电子设备处于无线接入设备的预定覆盖区域的情况下，响应于接收到的支付请求，获取所述无线接入设备的广播信号；
    根据所述广播信号所携带的信息，确定与所述无线接入设备相关联的商户信息；
    根据与所述无线接入设备相关联的商户信息，生成所述支付请求对应的支付交互界面。
  2. 根据权利要求1所述的方法，其中，所述广播信号所携带的信息包括所述无线接入设备的无线接入设备标识；
    所述根据所述广播信号所携带的信息，确定与所述无线接入设备相关联的商户信息，包括：
    获取所述广播信号所携带的所述无线接入设备标识；
    将所述无线接入设备标识发送至目标设备，以使所述目标设备查询与所述无线接入设备标识具有关联关系的商户信息；
    接收所述目标设备查询到的商户信息，并将所接收的商户信息作为与所述无线接入设备相关联的商户信息。
  3. 根据权利要求1所述的方法，其中，所述广播信号所携带的信息包括与所述无线接入设备相关联的商户信息；
    所述根据所述广播信号所携带的信息，确定与所述无线接入设备相关联的商户信息，包括：
    获取所述广播信号所携带的与所述无线接入设备相关联的商户信息。
  4. 根据权利要求1所述的方法，其中，在所述电子设备处于多个无线接入设备的预定覆盖区域中且接收到多个所述广播信号的情况下，所述根据所述广播信号所携带的信息，确定与所述无线接入设备相关联的商户信息，包括：
    针对多个所述广播信号中的每一个，确定与所述广播信号对应的所述无线接入设备相关联的商户信息，得到多个商户信息；
    对所述多个商户信息进行去重处理，得到去重后的商户信息。
  5. 根据权利要求4所述的方法，其中，在所述去重后的商户信息的数量为多个的情况下，所述根据与所述无线接入设备相关联的商户信息，生成所述支付请求对应的支付交互界面，包括：
    在所述去重后的商户信息中，确定与信号接收强度最大的广播信号对应的所述目标无线接入设备相关联的目标商户信息；
    将所述目标商户信息作为默认商户信息，将所述去重后的商户信息中除所述目标商户信息以外的其他商户信息作为备选商户信息，生成所述支付请求对应的支付交互界面。
  6. 根据权利要求5所述的方法，其中，所述生成所述支付请求对应的支付交互界面之后，还包括：
    获取在所述支付交互界面内输入的商户选择操作；
    响应于所述商户选择操作，利用所述商户选择操作所选择的备选商户信息替换所述默认商户信息，得到更新后的所述支付交互界面。
  7. 根据权利要求1所述的方法，其中，所述商户信息包括商户标识、商户名称、商户收款账号和商户地址中的至少一个。
  8. 根据权利要求1所述的方法，还包括：
    响应于接收到的支付金额提交请求，获取在所述支付交互界面内输入的支付金额信息；
    获取与所述电子设备相关联的支付账户信息；
    根据所述支付金额信息和所述支付账户信息，生成支付验证界面。
  9. 根据权利要求8所述的方法，还包括：
    获取在所述支付验证界面接收的用户验证信息；
    若所述用户验证信息与所述电子设备中预存的验证信息相匹配，利用所述商户信息、所述支付金额信息和所述支付账户信息更新所述支付请求；
    将更新后的支付请求发送至目标设备。
  10. 根据权利要求8所述的方法，其中，所述获取与所述电子设备相关联的支付账户信息，包括：
    将所述电子设备的电子设备标识发送至云端服务器，以使所述云端服 务器查询与所述电子设备标识具有关联关系的支付账户信息。
  11. 根据权利要求8所述的方法，其中，所述获取与所述电子设备相关联的支付账户信息，包括：
    获取所述电子设备的安全芯片内存储的与所述电子设备相关联的支付账户信息。
  12. 根据权利要求1所述的方法，其中，所述无线接入设备包括5G基站、4G室分设备和WIFI发射器中的至少一种。
  13. 根据权利要求1所述的方法，其中，所述广播信号为由所述无线接入设备向所述预定覆盖区域内发射的信号频率高于预设频率阈值和/或信号功率小于预设功率阈值的信号。
  14. 一种信息处理装置，包括：
    广播信号获取模块，配置为在电子设备处于无线接入设备的预定覆盖区域的情况下，响应于接收到的支付请求，获取所述无线接入设备的广播信号；
    商户信息确定模块，配置为根据所述广播信号所携带的信息，确定与所述无线接入设备相关联的商户信息；
    交互界面生成模块，配置为根据与所述无线接入设备相关联的商户信息，生成所述支付请求对应的支付交互界面。
  15. 一种信息处理设备，包括：处理器以及存储有计算机程序指令的存储器；
    所述处理器执行所述计算机程序指令时实现如权利要求1-13任意一项所述的信息处理方法。
  16. 一种计算机可读存储介质，所述计算机可读存储介质上存储有计算机程序指令，所述计算机程序指令被处理器执行时实现如权利要求1-13任意一项所述的信息处理方法。
PCT/CN2020/113322 2019-09-17 2020-09-03 信息处理方法、装置、设备及计算机可读存储介质 WO2021052189A1 (zh)

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