WO2021169534A1

WO2021169534A1 - Payment manner determination method, apparatus, system, and device

Info

Publication number: WO2021169534A1
Application number: PCT/CN2020/138171
Authority: WO
Inventors: 汪婉婷; 杨一鹏
Original assignee: 支付宝(杭州)信息技术有限公司
Priority date: 2020-02-25
Filing date: 2020-12-22
Publication date: 2021-09-02
Also published as: CN111341041B; CN111341041A

Abstract

A payment manner determination method, apparatus, system, and device. The solution comprises: acquiring first applicability indexes of multiple payment manners determined and sent by a terminal device of a target user, and then acquiring multiple second applicability indexes corresponding to the multiple payment manners obtained by means of cloud computing; determining, according to the first applicability indexes and the second applicability indexes, ordering information of the multiple payment manners, and feeding back the ordering information to the terminal device; and the terminal device receiving the ordering information fed back by a server, and ordering the multiple payment manners according to the ordering information.

Description

Method, device, system and equipment for determining payment method

Technical field

One or more embodiments of this specification relate to the field of computer technology, and in particular to a method, device, system, and equipment for determining a payment method.

Background technique

At present, with the continuous expansion of online payment services, payment no longer only relies on computer or mobile terminal payment APP, and more and more platforms support payment services. This also puts forward higher requirements for payment authentication.

Usually, the user manually sets the payment method to meet the payment in different scenarios. However, once the payment method is set, it is fixed. If you want to use another payment method, you must reset it, or the payment method set by the user cannot be used. In the case of, you must also reset the payment method, which will cause a bad user experience. For example, when paying on different terminal devices, users have different needs for payment authentication products: they tend to use it on home computers and work computers. The traditional payment password is combined with keyboard input, and most users rarely use the fingerprint function or camera function configured on the computer; on mobile devices such as mobile phones, tablets, etc., local fingerprints and local surface information are often recorded. The payment tends to use the biometric information entered into the machine for authentication.

Therefore, it is necessary to provide a more reliable payment method determination solution.

Summary of the invention

In view of this, one or more embodiments of this specification provide a method, device, system, and equipment for determining a payment method, which are used to provide users with suitable payment methods in different application scenarios, so as to improve user experience and thereby improve User's payment efficiency.

In order to solve the above technical problems, the embodiments of this specification are implemented in the following ways.

An embodiment of this specification provides a method for determining a payment method. The method is applied to a server and includes: acquiring a first applicability index of multiple payment methods sent by a terminal device of a target user, where the first applicability index is determined by Determined by the terminal device, one of the first applicability indicators is used to indicate a first degree of applicability of a payment method to the terminal device; acquiring multiple second applicability indicators corresponding to the multiple payment methods; One of the second suitability indicators is used to indicate the second degree of suitability of a payment method to the terminal device; the second suitability index is calculated in the cloud based on the data of the user who uses the terminal device; The ranking information of multiple payment methods is determined according to the first applicability index and the second applicability index.

The embodiment of this specification provides a method for determining a payment method. The method is applied to a terminal device and includes: obtaining terminal data of the terminal device; processing the terminal data to obtain the first applicability index of multiple payment methods, One of the first suitability indicators is used to indicate the first degree of suitability of a payment method to the terminal; sending the first suitability index to the server; receiving the ranking information fed back by the server; the ranking information Used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is obtained by the server according to the first applicability index and the second applicability index; one of the first The second suitability index is used to indicate the second degree of suitability of a payment method to the terminal device; the second suitability index is calculated by the server in the cloud based on the data of the user who uses the terminal device; The ranking information ranks the multiple payment methods.

An embodiment of the present specification provides an apparatus for determining a payment method. The apparatus is applied to a server and includes: a first applicability index acquisition module for acquiring the first applicability index of multiple payment methods sent by a terminal device of a target user The first suitability index is determined by the terminal device, and one of the first suitability indexes is used to indicate the first degree of suitability of a payment method to the terminal device; a second suitability index acquisition module , Used to obtain multiple second suitability indicators corresponding to the multiple payment methods; one second suitability index is used to indicate a second degree of suitability of a payment method to the terminal device; the second The applicability index is calculated in the cloud based on the data of the user using the terminal device; the ranking information determining module is used to determine the ranking of multiple payment methods according to the first applicability index and the second applicability index information.

An apparatus for determining a payment method provided by an embodiment of this specification is applied to a server and includes: a terminal data acquisition module for acquiring terminal data of a terminal device; a first applicability index determination module for evaluating the The terminal data is processed to obtain the first applicability index of multiple payment methods, one of the first applicability indicators is used to indicate the first degree of applicability of a payment method to the terminal; the sending module is used to transfer the The first applicability index is sent to the server; the receiving module is configured to receive the ranking information fed back by the server; the ranking information is used to instruct the terminal to rank the multiple payment methods according to the ranking information; The ranking information is obtained by the server according to the first applicability index and the second applicability index; a second applicability index is used to indicate a second degree of applicability of a payment method to the terminal device; The second applicability index is calculated by the server in the cloud according to the data of the user using the terminal device; the sorting module is used to sort the multiple payment methods according to the sorting information.

A payment method determination system provided by an embodiment of this specification includes: a server and a terminal device; the server is used to obtain the first applicability index of multiple payment methods sent by the terminal device of the target user, and the first applicability The indicator is determined by the terminal device, and one of the first applicability indicators is used to indicate the first degree of applicability of a payment method to the terminal device; obtaining multiple second applicability corresponding to the multiple payment methods Degree index; one of the second applicability index is used to indicate the second degree of applicability of a payment method to the terminal device; the second applicability index is calculated in the cloud based on the data of the user using the terminal device According to the first applicability index and the second applicability index, determine the ranking information of multiple payment methods; the terminal device is used to obtain terminal data of the terminal device; the terminal data is processed to obtain The first applicability index of multiple payment methods, one of the first applicability indicators is used to indicate the first applicability of a payment method to the terminal; the first applicability index is sent to the server; The sorting information fed back by the server; the sorting information is used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is the server according to the first applicability index and the first The second applicability index is obtained; one of the second applicability index is used to indicate the second applicability of a payment method to the terminal device; the second applicability index is the server based on the use of the terminal device The user’s data is calculated in the cloud; the multiple payment methods are sorted according to the sorting information.

An embodiment of this specification provides a device for determining a payment method. The device is a server and includes: at least one processor; and a memory communicatively connected with the at least one processor; An instruction executed by the at least one processor, the instruction being executed by the at least one processor, so that the at least one processor can: obtain the first applicability index of the multiple payment methods sent by the terminal device of the target user, The first applicability index is determined by the terminal device, and one of the first applicability indexes is used to indicate the first degree of applicability of a payment method to the terminal device; and obtain the correspondence of the multiple payment methods A plurality of second applicability indicators; one of the second applicability indicators is used to indicate the second applicability of a payment method to the terminal device; the second applicability index is based on the use of the terminal device The user's data is calculated in the cloud; the ranking information of multiple payment methods is determined according to the first applicability index and the second applicability index.

An embodiment of this specification provides a device for determining a payment method. The device is a terminal device and includes: at least one processor; and a memory that is communicatively connected to the at least one processor; The instructions executed by the at least one processor, the instructions are executed by the at least one processor, so that the at least one processor can: obtain terminal data of a terminal device; process the terminal data to obtain a variety of A first applicability index of a payment method, where one of the first applicability indicators is used to indicate the first applicability of a payment method to the terminal; sending the first applicability index to the server; receiving the server Feedback sorting information; the sorting information is used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is the server according to the first applicability index and the second applicability The second applicability index is used to indicate the second applicability of a payment method to the terminal device; the second applicability index is the server according to the user who uses the terminal device The data of is calculated in the cloud; the multiple payment methods are sorted according to the sorting information.

An embodiment of the present specification provides a computer-readable medium having computer-readable instructions stored thereon, and the computer-readable instructions can be executed by a processor to implement a method for determining a payment method.

An embodiment of this specification achieves the following beneficial effects: obtaining the first applicability index of multiple payment methods determined by the terminal device sent by the terminal device of the target user; obtaining multiple cloud computing corresponding to multiple payment methods The second applicability index; the ranking information of multiple payment methods is determined according to the first applicability index and the second applicability index. This solution determines the final payment method by combining the applicability indicators of multiple payment methods determined by the terminal device and the cloud, and can automatically analyze the current application environment according to the device information of the payment terminal device used by the user and the current application environment information In order to ensure that users can obtain a payment method suitable for the current application environment without setting the payment method by themselves, improve the user’s payment experience and improve the user’s payment efficiency.

Description of the drawings

The drawings described here are used to provide a further understanding of one or more embodiments of this specification, and constitute a part of one or more embodiments of this specification. The exemplary embodiments of this specification and their descriptions are used to explain one or more embodiments of this specification. The multiple embodiments do not constitute an improper limitation of one or more embodiments in this specification. In the attached picture:

Figure 1 is a schematic flowchart of a method for determining a payment method provided in Embodiment 1 of this specification;

2 is a schematic flowchart of another method for determining a payment method provided in Embodiment 2 of this specification;

FIG. 3 is a schematic diagram of a specific implementation process framework of a method for determining a payment method provided by an embodiment of the specification;

FIG. 4 is a schematic structural diagram of a payment method determining device corresponding to FIG. 1 provided by an embodiment of the specification;

FIG. 5 is a schematic structural diagram of a payment method determining device corresponding to FIG. 2 provided by an embodiment of this specification;

Fig. 6 is a schematic structural diagram of a payment method determining device provided by an embodiment of the specification.

Detailed ways

In order to make the purpose, technical solutions and advantages of one or more embodiments of this specification clearer, the technical solutions of one or more embodiments of this specification will be clearly and completely described below in conjunction with specific embodiments of this specification and the corresponding drawings. . Obviously, the described embodiments are only a part of the embodiments in this specification, rather than all the embodiments. Based on the embodiments in this specification, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of one or more embodiments of this specification.

Payment authentication products can refer to: Based on the characteristics of third-party electronic payments, in order to avoid fraudulent use, misappropriation, fraud, gambling and other violations of regulations and laws, in the process of transaction confirmation and payment, it is necessary to verify that the payer and the Correspondence between using the fund account, that is, verifying that the fund account is for personal use. Common payment authentication methods, such as: the payment password set by the user, the fingerprint entered by the machine, the face entered by the machine, and the face swiping for cloud comparison , OTP SMS (ne-time Password, also known as dynamic password), etc.

Among the existing methods of determining payment methods, the payment methods set by users have a long-term nature. For example, the user opens fingerprint payment and face-swiping payment, and subsequent payments will be paid in accordance with the payment method set by the user. However, the demand for payment authentication in different scenarios is changeable, such as: day/night, work/off work, rain/snow/sunny day, dense crowd/sparse environment, users' demand for payment methods may be different. identical. For example, takeaway riders and construction workers have difficulty using fingerprints or passwords to pay during their work due to wearing gloves and other reasons, and they prefer to use face verification without keystrokes and faster. For another example, many users love quick face verification, but due to the limitation of 2D camera equipment, in a dim environment, face verification is not easy to verify, etc., which cannot meet the user’s requirements for payment methods in different application scenarios. need.

Of course, in actual applications, in addition to guaranteeing the user's payment experience, it is also necessary to ensure the user's payment security. If only the pursuit of a fast and convenient experience in the payment process is pursued, the user will use the pass under any conditions (including non-secure conditions). The payment authentication product with the highest rate is difficult to effectively protect the user’s account security. In addition, with the development and progress of the times, the state has issued more and more laws and regulations on the collection and use of user privacy data, and users’ awareness of privacy protection is also constantly improving. For applications that excessively collect and use data, there will be negative emotion.

Therefore, in view of the above situation, the technical solution provided by this solution can simultaneously meet the payment authentication needs of all users on various devices, and can also guarantee the privacy and security of users.

The technical solutions provided by the embodiments of this specification will be described in detail below with reference to the accompanying drawings.

Example 1

FIG. 1 is a schematic flowchart of a method for determining a payment method provided in Embodiment 1 of this specification. From a program perspective, the execution subject of the process of this embodiment may be a program carried on an application server.

As shown in FIG. 1, the process may include the following steps 102 to 106.

Step 102: Acquire first applicability indicators of multiple payment methods sent by the terminal device of the target user, where the first applicability index is determined by the terminal device, and one of the first applicability indicators is used to represent one The first degree of applicability of this payment method to the terminal device.

In the existing payment method recommendation methods, the relevant data is usually obtained from the cloud server of the payment platform. The cloud server uses the acquired data to store, transmit, and calculate the data. All the operation processes are performed on the cloud server. , Has caused tremendous pressure on the cloud server. Especially during various marketing and promotional activities, the pressure on the cloud system may soar to the limit. With the continuous increase of users and the continuous improvement of the payment business level, the ability to use only the cloud server cannot well support business needs. Therefore, part of the calculation process can be handed over to the terminal device to run, and the server can directly use the result obtained by the terminal device. In the above steps, the server can directly obtain the first applicability index of multiple payment methods sent by the terminal for subsequent calculations.

Among them, the target user may refer to the user who needs the system to display the payment method for him. For example, if the user A needs to make a payment, the system can display the payment method on the terminal device of the user A at this time, and the user A is the target user.

Terminal devices can refer to physical devices used by users to complete payments, including but not limited to smart phones, computers, smart watches, tablets, and Internet of Things payment devices.

The payment method can represent the payment authentication products provided by the system for the user during the payment process, in addition to the fingerprints entered by the machine, the face entered by the machine, the face swiping in the cloud comparison, and OTP text messages (ne -time Password, also known as dynamic password), it can also include various products such as OTP mailbox verification, bank card verification, code scanning, voiceprint, and eyeprint.

The applicability index can indicate the applicability of various payment methods to the terminal device in the current environment for the terminal device for the target user. Of course, in addition, the applicability index can indicate the terminal device of the various payment method for the target user. The passing probability of the device in the current environment.

It should be noted that the first applicability index may be a specific score value, such as 80 points, 90 points, and so on. It can also be a percentage, such as 80%, 90%, etc. It may also be other indicators that can indicate applicability, which is not specifically limited in the embodiments of this specification. In addition, the first applicability index may include multiple scores corresponding to each payment method. Specifically, the applicability of a payment method to a terminal device in the current environment may be represented by an applicability index.

Step 104: Obtain multiple second applicability indicators corresponding to the multiple payment methods; one second applicability indicator is used to indicate a second degree of applicability of a payment method to the terminal device; the second The applicability index is calculated in the cloud based on the data of the user who uses the terminal device.

In addition to obtaining the first applicability index sent by the terminal device in step 102, the server may also obtain multiple second applicability indexes corresponding to multiple payment methods calculated in the server.

The first applicability index in the previous steps is calculated by the terminal device according to the data stored in its own device when it is terminal. The second applicability index in this step may be calculated by the cloud based on cloud data stored in the cloud.

The second applicability index is a binary judgment index that indicates whether the payment method is applicable or not. It can also be a specific value, such as the pass rate corresponding to various payment methods.

Step 106: Determine ranking information of multiple payment methods according to the first applicability index and the second applicability index.

The sorting information can indicate the specific sorting order of various payment methods. Other information that can also be used as the basis for sorting, such as: the value of the score, is sorted according to the size of the value of the score.

Combining the first applicability index determined by the terminal device according to the data stored in its own device and the second applicability index calculated by the cloud, multiple payment methods are analyzed to determine the ranking information of the multiple payment methods.

The method in Figure 1 acquires the first applicability index of multiple payment methods determined by the terminal device sent by the terminal device of the target user; acquires the multiple second applicability indicators corresponding to the multiple payment methods calculated in the cloud; The first applicability index and the second applicability index determine ranking information of multiple payment methods. This solution determines the final payment method by combining the applicability indicators of multiple payment methods determined by the terminal device and the cloud, and can automatically analyze the current application environment according to the device information of the payment terminal device used by the user and the current application environment information Payment method to ensure that users can obtain a payment method suitable for the current application environment without setting the payment method by themselves, improve the user’s payment experience, and thereby improve the user’s payment efficiency; this solution can ensure that the user is The authentication method has the ability to select and sort, and it also realizes the unified setting of the entire payment business scene, avoiding the user entanglement between various switches; in addition, the first applicability index is calculated through the terminal, without the need to store private data on the terminal device Transmission to the server can ensure the privacy and security of user information, and can effectively alleviate the operating pressure of data return and data storage on the server.

Based on the method in FIG. 1, the examples of this specification also provide some specific implementations of the method, which are described below.

In practical applications, the method for determining the second applicability index can be implemented using the following methods.

Before the acquiring multiple second applicability indicators corresponding to the multiple payment methods, it may further include: acquiring cloud data stored in the cloud; the cloud data includes user data of all users who use the terminal device and the Basic portrait data of the target user; multiple second applicability indicators corresponding to the multiple payment methods are calculated according to the cloud data.

Specifically, when obtaining cloud data stored in the cloud, the following steps may be included: determining the device information of the terminal device of the target user; obtaining the operation history of all users who use the terminal device on the server according to the device information Data and user portrait data of the full amount of users, the operation history data includes at least the payment methods used; acquiring basic portrait data of the target user, the basic portrait data including asset information and credit information of the target user And/or buying preferences.

Full users can refer to all registered users except the target user who use the same terminal device as the target user to make payments on the payment application platform.

It should be noted that the cloud data stored in the cloud is different from the terminal data stored in the terminal device. Generally, only the operation data of a certain user on the terminal device, the data of the user and the data of the device are stored on the terminal device; and The cloud can store data of all registered users, including basic portrait data of all registered users, device data of all terminal devices used by all registered users, and historical operation data of all users using terminal devices.

Specifically, the cloud data may include historical operation user data of all users and basic portrait data of the target user. The historical operation data may include transaction data that the user has conducted in the payment platform, such as: specific transaction types, Data such as the transaction amount, the device model of the terminal device used in the transaction, the payment method selected in the transaction, and the passing efficiency of each payment method. The user's basic portrait data may include the user's basic identity data, the user's asset data, credit data, purchase preferences, and so on.

When determining the payment method corresponding to the terminal device of the target user, the payment method used by other users using the device type can be analyzed according to the device type of the target user's terminal device to determine the payment method type displayed for the target user. Specifically, it may include: using a reinforcement learning model to update iteratively according to the operation history data corresponding to the full amount of users, the user portrait data of the full amount of users, and the basic portrait data of the target user, and determining that each payment method is effective for the The second applicability index of the terminal equipment.

It should be noted that the basic portrait data collected here can be used to verify the identity of the target user.

Reinforcement learning is a branch of machine learning that emphasizes how to learn based on environmental actions. There is no specific data, only reward signals. Reward signals are not necessarily real-time, and most of them are lagging; and the research of reinforcement learning is not independent and identically distributed data. Most are time series data; current behavior affects subsequent distributions. In this solution, the characteristics of the users stored in the cloud will continue to change, and the terminal devices used by the users will also continue to increase, and the passing rates of the terminal devices for various payment methods will also change over time. At this point, a reinforcement learning model with adaptive capabilities can be used to continuously use the latest collected data for automatic model update training, and the trained model can be used to output the pass rate of various payment methods.

According to the operation history data corresponding to all users, the user portrait data of the full users, and the basic portrait data of the target users, the users who have paid for the target user's terminal device model among all users can be determined. The payment methods used by the users who make payments and the basic portrait features of these users and the portrait features of the target users can be determined by using a reinforcement learning model to determine the applicability indicators corresponding to various payment methods.

For example: target user A uses a certain brand of X model mobile phone to make a payment. At this time, from the data stored in the cloud, the relevant information of all users who use a certain brand of X model mobile phone for payment can be determined. Among them, it can be determined to use a certain brand of X model mobile phone. According to the payment method data used by other users, the applicability indicators of the payment method are determined according to the payment method data: face payment is applicable, fingerprint payment is applicable, and password payment is applicable. At this time, it can be considered that these three payment methods may satisfy the target user Preferences for choosing payment methods.

Optionally, the determining the ranking information of multiple payment methods according to the first applicability index and the second applicability index may specifically include: determining the information of multiple payment methods according to the first applicability index Sorting; according to the second applicability index, determine the inapplicable mode among the multiple payment methods; delete the inapplicable mode from the sorting, obtain the updated sorting, and generate sorting information.

Specifically, the above method steps can be described with the following examples: for example: the first applicability index is the applicability score corresponding to various payment methods, respectively: 90 points for fingerprint payment, 85 points for face payment, and 70 points for password payment. , SMS verification 45 points. According to the first degree of applicability, the order of multiple payment methods is determined as follows: fingerprint payment>face payment>password payment. The second applicability index is a binary judgment index, which are: fingerprint payment is applicable, face-swiping payment is not applicable, and password payment is applicable. At this time, the face-swiping payment can be deleted from the ranking, and the updated ranking information is fingerprint payment. ＞Password payment.

In practical applications, after the sorting information is generated, the sorting information may also be sent to the terminal device. The terminal device can display the payment method for the target user according to the ranking information.

Of course, in actual applications, when determining the ranking information of multiple payment methods, the specific implementation process can also be set according to actual application scenarios. For example, when the first applicability index represents the specific scores corresponding to various payment methods, the second applicable When the degree index represents the pass rate of various payment methods, the two applicability indexes can be calculated by weighted summation to obtain the final applicability scores corresponding to the various payment methods, and then sort according to the final applicability scores to get Sort information. In this regard, the embodiments of this specification do not specifically limit this.

Example 2

Figure 2 is a schematic flowchart of another method for determining a payment method provided in Embodiment 2 of this specification. From a program perspective, the execution subject of the process of this embodiment may be a program loaded on an application server.

As shown in FIG. 2, the process may include the following steps 202 to 210.

Step 202: Obtain terminal data of the terminal device.

The terminal data may specifically include: device data, sensor data, and environmental data of the terminal. Among them, the device data can include the model of the device, and the sensor has a gyroscope. The gyroscope can determine the distance between the user and the mobile phone, and it can also determine whether the current terminal device is in the horizontal screen state or the vertical screen state, etc., so the sensor data can be Including the distance data between the target user and the terminal device and/or the posture data of the terminal device. The environmental data may include location data, brightness data, and/or temperature and humidity data where the terminal device is located.

The target user and terminal device mentioned here are the same as those in Embodiment 1, and will not be repeated here.

Terminal data may refer to data stored in the terminal device.

Step 204: Process the terminal data to obtain first applicability indicators of multiple payment methods, and one of the first applicability indicators is used to indicate the first degree of applicability of a payment method to the terminal.

The meaning of the first applicability index is the same as in Example 1. The first applicability index may be determined by the terminal device according to the terminal data stored by itself.

Step 206: Send the first applicability index to the server.

After the terminal determines the first suitability index, the first suitability index may be sent to the server, and the server performs subsequent processing on the first suitability index.

Step 208: Receive the sorting information fed back by the server; the sorting information is used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is the server according to the first The applicability index and the second applicability index are obtained; the second applicability index is used to indicate the second applicability of a payment method to the terminal device; the second applicability index is based on the server The data of the user using the terminal device is calculated in the cloud.

After the server receives the first applicability index, it can analyze various payment methods in combination with the second applicability index determined by the server to obtain ranking information.

Step 210: Sort the multiple payment methods according to the sort information.

In the above method, the terminal obtains the first applicability index of multiple payment methods by processing the acquired terminal data, and sends the first applicability index to the server; receiving feedback from the server according to the first applicability index and Sorting information obtained by the second applicability index; sorting multiple payment methods according to the sorting information. By combining the applicability indicators of multiple payment methods determined by the terminal device and the cloud, the final payment method is determined, and the payment suitable for the current application scenario can be automatically analyzed according to the device information of the payment terminal device used by the user and the current application environment information In order to ensure that users can obtain payment methods suitable for the current application environment without setting the payment method switch by themselves, improve the user’s payment experience, and thereby improve the user’s payment efficiency; this solution can ensure that the user has a payment authentication The right method has the ability to select and sort, and it also realizes the unified setting of the entire payment business scene, avoiding the user entanglement between various switches; in addition, the first applicability index is calculated through the terminal, without the need to transmit the private data stored on the terminal device For the server, the privacy and security of user information can be guaranteed, and the operating pressure of data return and data storage on the server can be effectively relieved.

Based on the method in Figure 2, Example 2 of this specification also provides some specific implementations of the method, which will be described below.

After obtaining the sorting information, after sorting the sorting information, it may further include: displaying multiple payment methods on the terminal device according to the sorting order.

According to the sorting order, multiple payment methods can be displayed on the terminal device in the sorted order.

In an actual application scenario, when the terminal data is processed, it may specifically include: using an interpretable neural network model to process the terminal data.

The interpretable neural network model (eXtreme Neural Network, XNN for short) is a super-large-scale discrete streaming DNN algorithm framework. The network includes three important components: a projection layer, a sub-network, and a combination layer. XNN can directly explain how the model uses input features to make predictions. Interpretable neural networks provide alternative formulas for additive index models as structured neural networks. Built-in explanation mechanism, which helps explain and understand the internal process of the model and the functions learned by the model.

The device data includes model data on the terminal device; the processing of the terminal data using an interpretable neural network model may specifically include: calculating the terminal device based on the device data and the environmental data Attribute characteristics of the terminal device, the attribute characteristics including the geographic location feature where the terminal device is located, the device feature, and the crowd-intensive features around the terminal device; determine the posture feature of the terminal device according to the sensor data;

The attribute characteristics of the terminal device and the posture characteristics are input into the interpretable neural network model to obtain first applicability indicators corresponding to multiple payment methods.

The model data of the terminal device can preliminarily determine the payment method supported by the terminal device. For example, the model of the terminal device can be used to know whether the model already supports swiping cards, fingerprints, and voiceprints.

Wherein, to calculate the attribute characteristics of the terminal device according to the device data and the environment data, an edge computing method may be used.

Edge computing: It can refer to computing performed at or near the physical location of users or data sources. By bringing computing services closer to these locations, users can get faster and more reliable services. For example: User A makes a payment at a train station. During the payment process, at this time, use the electronic fence technology on the terminal of the device to calculate how many active devices exist around the device under the current situation. The number of active devices can be used to calculate Infer the density of people around the user A, and the place where the target user is located can be judged according to the density of people, such as supermarkets, train stations, homes, or workplaces.

When inputting the attribute feature and the posture feature of the terminal device into the interpretable neural network model, the attribute feature and posture feature of the device are discrete features, and these discrete features can form combined features, such as personnel density and equipment The posture features are combined. The brightness feature in the environment can be a continuous feature. By inputting these features into the XNN model, combining features and reducing dimensionality, the first applicability index corresponding to each payment method is finally output.

In addition, after using the method provided by the embodiment of this specification to display the payment method for the target user, the user may also switch the payment method according to their current preferences. At this time, in order to reduce the number of times that users manually switch payment methods, the ability to intelligently switch can be increased. Specifically, if the system finds that the user has a switching operation, it can monitor the data corresponding to the user's switching operation within a preset time period for statistics, adjust the display order of the payment methods according to the statistical data, and set the priority payment method for the user. Specifically, when the statistical value of the number of times the user switches a certain target payment method to the preferred payment method is greater than the set value, the target payment method may be set as the preferred payment method. For example: It is monitored that the number of times the user actively switches the biometric payment method to password payment within a preset time period has reached the preset threshold. At this time, the payment methods displayed to the user can be reordered, and the password payment can be set to Priority payment method. Of course, in the subsequent specific interactive interface, the user can also manually switch the payment method at any time.

In order to describe in detail the method provided in the embodiments of this specification, the description can be made in conjunction with the following drawings.

Fig. 3 is a schematic diagram of a specific implementation process framework of a method for determining a payment method provided by an embodiment of the specification.

In the method provided in the embodiment of this specification, the authentication order preset is to preset the ordering method. Specifically, it includes three preset methods: user independent settings, system guidance settings, and marketing pull settings.

In actual applications, the purpose of each payment application is to pull more users, and for users who newly register the application or users who rarely use the application, there is no historical data or very little historical data. At this time, the payment method cannot be well recommended for users based on historical data. At this time, the method of preset payment methods can be used to ensure that the payment of such users can be carried out smoothly. Specifically, the above three setting methods are described.

1) User self-setting can mean that the user self-setting the order of payment methods. For example, users can set their own preferred payment methods and the order of payment methods on the login interface.

2) System guidance settings: According to the user's historical preferences and habits, recommend the appropriate payment sequence to the user. This method can be run when there is historical data of the user in the system. For example, the user has previously set the payment method and/or the order of payment methods. At this time, the user can recommend a suitable payment method or payment method sequence for the user according to the previous user's settings and historical data corresponding to the payment method used by the user.

3) Marketing pull setting: In the process of new product promotion, users are guided to give priority to using new products being promoted through marketing activities. In order to promote new products, such users can recommend new payment methods that are being promoted.

Through the above-mentioned authentication ordering method, corresponding payment methods can be provided for new users to ensure the smooth completion of the payment of new users.

In Figure 3, when performing payment authentication, the first stage is mainly to ensure the user's payment experience, combining terminal strategies and cloud strategies. Specifically, in the terminal strategy, when performing feature collection, the device feature, sensor feature, and environmental feature of the device can be collected. Based on this information, edge computing and XNN model can be used to calculate, and the first applicability corresponding to multiple payment methods can be obtained. index. In the cloud strategy, when collecting features, it collects user historical payment characteristics, user characteristics (such as asset characteristics, credit characteristics, etc.), and device characteristics. According to the user's historical payment characteristics, user characteristics, and device characteristics, the reinforcement learning model can be used to determine the number of features. According to the second applicability index of this payment method, the payment method of chain output can be determined according to the first applicability index and the second applicability index.

In the second stage of payment authentication, the main task is to control risks. In the payment application system, there is usually a risk control system in the security system for risk control identification and risk decision-making for transactions. When risk identification, it can be used to identify fraudulent use, fraud, gambling, violations, violations, and prohibitions. Risky transactions such as money laundering, fraudulent loans and insurance fraud. Risk decisions can include PK strategies for risky products, anti-duplication strategies, personalized management strategies, and global management and control strategies. According to a variety of management and control strategies, the payment method that is finally displayed to users is selected to reduce the frequency of risky transactions. For example, when the risk control system recognizes that a certain transaction may be a money laundering transaction, it can display the payment method verified by the bank card for the user conducting the transaction according to a variety of risk control strategies, and prompt the user to enter a valid bank card-related information. Confirm the identity of the user and the security of the transaction. Specifically, the following methods can be used to achieve this: obtain relevant data of the current transaction; determine the risk characteristics in the current transaction according to the relevant data; determine whether there is a risk according to the risk characteristics; if there is a risk, determine the specific risk type ; Choose the payment method according to the determined risk type.

If there are multiple risk types, the most stringent payment method can be selected from the payment methods corresponding to various risks as the final displayed payment method. The user uses this payment method for verification. Of course, in actual applications, multiple payment methods may even be required to be verified at the same time to ensure payment security.

Based on the same idea, the embodiment of this specification also provides a device corresponding to the above method. Fig. 4 is a schematic structural diagram of a payment method determining device corresponding to Fig. 1 provided by an embodiment of the specification. The device is applied on the server.

As shown in FIG. 4, the apparatus may include: a first suitability index obtaining module 402, configured to obtain a first suitability index of multiple payment methods sent by a terminal device of a target user, where the first suitability index is determined by Determined by the terminal device, one of the first applicability indicators is used to indicate the first applicability of a payment method to the terminal device; the second applicability index obtaining module 404 is used to obtain the multiple types of payments Multiple second applicability indicators corresponding to the method; one second applicability index is used to indicate the second applicability of a payment method to the terminal device; the second applicability index is based on the use of the terminal The data of the user of the device is calculated in the cloud; the ranking information determining module 406 is configured to determine the ranking information of multiple payment methods according to the first applicability index and the second applicability index.

Optionally, the device may further include: a cloud data acquisition module for acquiring cloud data stored in the cloud; the cloud data includes user data of all users using the terminal device and a basic portrait of the target user Data; a second suitability index calculation module for calculating multiple second suitability indexes corresponding to the multiple payment methods according to the cloud data.

Optionally, the cloud data acquisition module may specifically include: a device information determining unit for determining device information of the terminal device of the target user; a full user data acquiring unit for acquiring the device information according to the device information The operation history data of all users who use the terminal device on the server and the user portrait data of the all users, the operation history data includes at least the payment method used; the basic portrait data acquisition unit of the target user is used to obtain The basic portrait data of the target user, where the basic portrait data includes asset information, credit information, and/or purchase preferences of the target user.

Optionally, the second suitability index calculation module may specifically include: a second suitability index calculation unit, configured to perform operation history data corresponding to the full number of users, the user portrait data of the full number of users, and the The basic portrait data of the target user is updated and iterated using a reinforcement learning model, and the second applicability index of each payment method to the terminal device is determined.

Optionally, the ranking information determining module 406 may specifically include: a ranking unit, configured to determine the ranking of multiple payment methods according to the first applicability index; The second applicability index determines the inapplicable manner among the multiple payment methods; the ranking update unit is used to delete the inapplicable manner from the ranking, obtain the updated ranking, and generate ranking information.

Optionally, the device may further include a sending module, configured to send the sorting information to the terminal device.

Based on the same idea, the embodiment of this specification also provides a device corresponding to the above method. Fig. 5 is a schematic structural diagram of a payment method determining device corresponding to Fig. 2 provided by an embodiment of the specification. The device is applied to terminal equipment.

As shown in FIG. 5, the device may include: a terminal data acquisition module 502, which is used to acquire terminal data of a terminal device; a first applicability index determination module 504, which is used to process the terminal data to obtain multiple payment methods The first applicability index of the first applicability index is used to indicate the first applicability of a payment method to the terminal; the sending module 506 is used to send the first applicability index to the server; The receiving module 508 is configured to receive the sorting information fed back by the server; the sorting information is used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is the sorting information that the server uses according to the The first applicability index and the second applicability index are obtained; one of the second applicability indexes is used to indicate the second degree of applicability of a payment method to the terminal device; the second applicability index is The server is calculated in the cloud according to the data of the user using the terminal device; the sorting module 510 is configured to sort the multiple payment methods according to the sorting information.

Optionally, the device may further include: a display module, configured to display multiple payment methods on the terminal device in the order of the sort.

Optionally, the terminal data may specifically include: device data, sensor data, and environmental data of the terminal.

Optionally, the first applicability index determining module 504 may specifically include: a processing unit configured to process the terminal data by using an interpretable neural network model.

Optionally, the device data may include model data on the terminal device, and the sensor data includes distance data between the target user and the terminal device and/or posture data of the terminal device. The environmental data includes location data, brightness data, and/or temperature and humidity data where the terminal device is located.

The processing unit may be specifically configured to: calculate attribute characteristics of the terminal device according to the device data and the environmental data, the attribute characteristics including the geographic location characteristics where the terminal device is located, the device characteristics, and the terminal The dense features of people around the device; determine the posture feature of the terminal device according to the sensor data; input the attribute feature of the terminal device and the posture feature into the interpretable neural network model to obtain a variety of payment methods The first applicability index.

Based on the same idea, the embodiment of this specification also provides a payment method determination system corresponding to the above method, which may include: a server and a terminal device; the server is used to obtain the first multiple payment methods sent by the terminal device of the target user. An applicability index, the first applicability index is determined by the terminal device, and the first applicability index is used to indicate the first applicability of a payment method to the terminal device; and obtaining the Multiple second applicability indicators corresponding to multiple payment methods; one second applicability index is used to indicate the second applicability of a payment method to the terminal device; the second applicability index is based on usage The data of the user of the terminal device is calculated in the cloud; the ranking information of multiple payment methods is determined according to the first applicability index and the second applicability index; the terminal device is used to obtain the terminal of the terminal device Data; processing the terminal data to obtain the first applicability index of multiple payment methods, one of the first applicability indicators is used to indicate the first degree of applicability of a payment method to the terminal; The first applicability index is sent to the server; the ranking information fed back by the server is received; the ranking information is used to instruct the terminal to rank the multiple payment methods according to the ranking information; the ranking information is the Obtained by the server according to the first applicability index and the second applicability index; a second applicability index is used to indicate a second degree of applicability of a payment method to the terminal device; the second applicability The index is calculated by the server in the cloud based on the data of the user using the terminal device; the multiple payment methods are sorted according to the sorting information.

Based on the same idea, the embodiment of this specification also provides a device corresponding to the above method. Fig. 6 is a schematic structural diagram of a payment method determining device provided by an embodiment of the specification. As shown in FIG. 6, when the device is a server, the device 600 may include: at least one processor 610; and a memory 630 communicatively connected to the at least one processor 610; wherein the memory 630 stores The instructions 620 executed by the at least one processor 610 are executed by the at least one processor 610.

The instruction may enable the at least one processor 610 to: obtain the first applicability index of multiple payment methods sent by the terminal device of the target user, the first applicability index being determined by the terminal device, and one The first applicability index is used to indicate the first applicability of a payment method to the terminal device; obtain multiple second applicability indexes corresponding to the multiple payment methods; one second applicability index It is used to indicate the second degree of applicability of a payment method to the terminal device; the second applicability index is calculated in the cloud based on the data of the user who uses the terminal device; according to the first applicability index And the second applicability index determines the ranking information of multiple payment methods.

Alternatively, the instruction may enable the at least one processor 610 to: obtain terminal data of the terminal device; process the terminal data to obtain the first applicability index of multiple payment methods, one of the first applicability The index is used to indicate the first degree of applicability of a payment method to the terminal; the first applicability index is sent to the server; the ranking information fed back by the server is received; the ranking information is used to instruct the terminal according to The ranking information ranks the multiple payment methods; the ranking information is obtained by the server according to the first applicability index and the second applicability index; one of the second applicability indexes is used to indicate The second degree of applicability of a payment method to the terminal device; the second degree of applicability index is calculated by the server in the cloud based on the data of the user who uses the terminal device; A variety of payment methods are sorted.

Based on the same idea, the embodiments of this specification also provide a computer-readable medium corresponding to the above method. The computer-readable medium stores computer-readable instructions, and when the computer-readable instructions are deployed on the server, the computer-readable instructions can be executed by the processor to implement the following method: Obtain the data sent by the terminal device of the target user The first applicability index of multiple payment methods, the first applicability index is determined by the terminal device, and the first applicability index is used to indicate the first applicability index of a payment method for the terminal device. Degree of applicability; acquiring multiple second applicability indicators corresponding to the multiple payment methods; one of the second applicability indicators is used to indicate a second degree of applicability of a payment method to the terminal device; the second The applicability index is calculated in the cloud based on the data of the user who uses the terminal device; and the ranking information of multiple payment methods is determined according to the first applicability index and the second applicability index.

When the computer-readable instructions are deployed on a server, the computer-readable instructions can be executed by a processor to implement the following methods: obtain terminal data of a terminal device; process the terminal data to obtain multiple payment methods The first applicability index of the first applicability index is used to indicate the first applicability of a payment method to the terminal; sending the first applicability index to the server; receiving feedback from the server Sorting information; the sorting information is used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is the server according to the first applicability index and the second applicability index The second suitability index is used to indicate the second suitability of a payment method for the terminal device; the second suitability index is the server based on the data of the user who uses the terminal device Calculated in the cloud; sorting the multiple payment methods according to the sorting information.

In the 1990s, the improvement of a technology can be clearly distinguished between hardware improvements (for example, improvements in circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements in method flow). However, with the development of technology, the improvement of many methods and processes of today can be regarded as a direct improvement of the hardware circuit structure. Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by the hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (for example, a Field Programmable Gate Array (Field Programmable Gate Array, FPGA)) is such an integrated circuit whose logic function is determined by the user's programming of the device. It is programmed by the designer to "integrate" a digital system on a piece of PLD, without requiring chip manufacturers to design and manufacture dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly realized with "logic compiler" software, which is similar to the software compiler used in program development and writing, but before compilation The original code must also be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one type of HDL, but many types, such as ABEL (Advanced Boolean Expression Language) , AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description), etc., currently most commonly used It is VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be clear to those skilled in the art that just a little bit of logic programming of the method flow in the above-mentioned hardware description languages and programming into an integrated circuit can easily obtain the hardware circuit that implements the logic method flow.

The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the memory control logic. Those skilled in the art also know that, in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded logic. The same function can be realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.

The systems, devices, modules, or units illustrated in the above embodiments may be specifically implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.

For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when implementing one or more embodiments of this specification, the functions of each unit may be implemented in the same one or more software and/or hardware.

Those skilled in the art should understand that one or more embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, one or more embodiments of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, one or more embodiments of this specification may adopt computer programs implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes. The form of the product.

One or more embodiments of this specification are described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to one or more embodiments of this specification. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing equipment to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing equipment are used to generate It is a device that realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device. The device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment. The instructions provide steps for implementing the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

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

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

Computer-readable media include permanent and non-permanent, removable and non-removable media, and data storage can be realized by any method or technology. The data can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store data that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.

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

The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiment.

The above descriptions are only the embodiments of this specification, and are not used to limit one or more embodiments of this specification. For those skilled in the art, one or more embodiments of this specification may have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of this specification should be included in the scope of the claims of one or more embodiments of this specification.

Claims

A method for determining a payment method, which is applied to a server, includes:

Acquire the first suitability index of multiple payment methods sent by the terminal device of the target user, where the first suitability index is determined by the terminal device, and one of the first suitability indexes is used to indicate a payment method The first degree of applicability to the terminal device;

Acquire multiple second suitability indicators corresponding to the multiple payment methods; one second suitability index is used to indicate a second degree of suitability of a payment method to the terminal device; the second suitability index Is calculated in the cloud based on the data of the user using the terminal device;

The ranking information of multiple payment methods is determined according to the first applicability index and the second applicability index.
5. The method according to claim 1, before said acquiring multiple second applicability indicators corresponding to said multiple payment methods, further comprising:

Obtain cloud data stored in the cloud; the cloud data includes user data of all users who use the terminal device and basic portrait data of the target user;

Calculate multiple second applicability indicators corresponding to the multiple payment methods according to the cloud data.
The method according to claim 2, wherein said obtaining cloud data stored in the cloud specifically includes:

Determine the device information of the terminal device of the target user;

Acquiring, according to the device information, the operation history data of all users who use the terminal device on the server and the user portrait data of the all users, where the operation history data includes at least the payment methods used;

Acquire basic portrait data of the target user, where the basic portrait data includes asset information, credit information, and/or purchase preferences of the target user.
The method according to claim 3, wherein the calculating the second applicability index corresponding to the multiple payment methods according to the cloud data specifically includes:

According to the operation history data corresponding to the full amount of users, the user portrait data of the full amount of users, and the basic portrait data of the target user, the reinforcement learning model is used to update and iterate, and the second application of each payment method to the terminal device is determined Degree indicators.
The method according to claim 1, wherein the determining the ranking information of multiple payment methods according to the first applicability index and the second applicability index specifically includes:

Determine the order of multiple payment methods according to the first applicability index;

Determine the inapplicable method among the multiple payment methods according to the second applicability index;

The inapplicable manner is deleted from the ranking, the updated ranking is obtained, and the ranking information is generated.
The method of claim 1, further comprising:

Sending the sorting information to the terminal device.
A method for determining a payment method, which is applied to a terminal, includes:

Obtain terminal data of terminal equipment;

Processing the terminal data to obtain first applicability indicators of multiple payment methods, where one first applicability indicator is used to indicate the first degree of applicability of a payment method to the terminal;

Sending the first applicability index to the server;

Receiving sorting information fed back by the server; the sorting information is used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is the server according to the first applicability index And a second applicability index; one of the second applicability indexes is used to indicate the second applicability of a payment method to the terminal device; the second applicability index is that the server uses the The data of the user of the terminal device is calculated in the cloud;

Sort the multiple payment methods according to the sort information.
The method of claim 7, further comprising:

A plurality of payment methods are displayed on the terminal device according to the sorted order.
The method according to claim 7, wherein the terminal data specifically includes: device data, sensor data, and environmental data of the terminal.
8. The method according to claim 7, wherein the processing of the terminal data specifically includes: using an interpretable neural network model to process the terminal data.
The method according to claim 10, wherein the device data includes model data on the terminal device, and the sensor data includes distance data between the target user and the terminal device and/or the posture of the terminal device Data, where the environmental data includes location data, brightness data, and/or temperature and humidity data where the terminal device is located;

The processing of the terminal data using an interpretable neural network model specifically includes:

Calculate the attribute characteristics of the terminal device according to the device data and the environmental data, the attribute characteristics including the geographic location feature where the terminal device is located, the device feature, and the crowd-intensive features around the terminal device;

Determining the posture feature of the terminal device according to the sensor data;

The attribute characteristics of the terminal device and the posture characteristics are input into the interpretable neural network model to obtain first applicability indicators corresponding to multiple payment methods.
A device for determining a payment method, which is applied to a server, includes:

The first applicability index acquisition module is used to acquire the first applicability index of multiple payment methods sent by the terminal device of the target user, the first applicability index is determined by the terminal device, and one of the first applicability indexes is determined by the terminal device. The applicability index is used to indicate the first degree of applicability of a payment method to the terminal device;

The second suitability index acquiring module is used to acquire multiple second suitability indexes corresponding to the multiple payment methods; one second suitability index is used to indicate the second suitability index of a payment method for the terminal device Applicability; the second applicability index is calculated in the cloud based on the data of the user who uses the terminal device;

The ranking information determining module is configured to determine the ranking information of multiple payment methods according to the first applicability index and the second applicability index.
A device for determining a payment method, which is applied to a terminal device, includes:

A terminal data acquisition module for acquiring terminal data of the terminal device;

The first applicability index determination module is used to process the terminal data to obtain the first applicability index of multiple payment methods, and one of the first applicability indicators is used to indicate that a payment method is effective for the terminal The first degree of applicability;

A sending module, configured to send the first applicability index to the server;

The receiving module is configured to receive the sorting information fed back by the server; the sorting information is used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is used by the server according to the sorting information The first applicability index and the second applicability index are obtained; one of the second applicability indexes is used to indicate the second degree of applicability of a payment method to the terminal device; the second applicability index is the The server calculates in the cloud according to the data of the user who uses the terminal device;

The sorting module is used to sort the multiple payment methods according to the sorting information.
A payment method determination system, including:

Server and terminal equipment;

The server is used to obtain the first applicability index of multiple payment methods sent by the terminal device of the target user, the first applicability index is determined by the terminal device, and one of the first applicability indexes is used for Indicates the first degree of applicability of a payment method to the terminal device;

Acquire multiple second suitability indicators corresponding to the multiple payment methods; one second suitability index is used to indicate a second degree of suitability of a payment method to the terminal device; the second suitability index Is calculated in the cloud based on the data of the user using the terminal device;

Determining the ranking information of multiple payment methods according to the first applicability index and the second applicability index;

The terminal device is used to obtain terminal data of the terminal device;

Processing the terminal data to obtain first applicability indicators of multiple payment methods, where one first applicability indicator is used to indicate the first degree of applicability of a payment method to the terminal;

Sending the first applicability index to the server;

Receiving sorting information fed back by the server; the sorting information is used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is the server according to the first applicability index And a second applicability index; one of the second applicability indexes is used to indicate the second applicability of a payment method to the terminal device; the second applicability index is that the server uses the The data of the user of the terminal device is calculated in the cloud;

Sort the multiple payment methods according to the sort information.
A device for determining a payment method, where the device is a server, includes:

At least one processor; and,

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can:

Acquire the first suitability index of multiple payment methods sent by the terminal device of the target user, where the first suitability index is determined by the terminal device, and one of the first suitability indexes is used to indicate a payment method The first degree of applicability to the terminal device;

Acquire multiple second suitability indicators corresponding to the multiple payment methods; one second suitability index is used to indicate a second degree of suitability of a payment method to the terminal device; the second suitability index Is calculated in the cloud based on the data of the user using the terminal device;

The ranking information of multiple payment methods is determined according to the first applicability index and the second applicability index.
A device for determining a payment method, the device being a terminal device, including:

At least one processor; and,

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can:

Acquiring terminal data of the terminal device;

Processing the terminal data to obtain first applicability indicators of multiple payment methods, where one first applicability indicator is used to indicate the first degree of applicability of a payment method to the terminal;

Sending the first applicability index to the server;

Receiving sorting information fed back by the server; the sorting information is used to instruct the terminal to sort the multiple payment methods according to the sorting information; the sorting information is the server according to the first applicability index And a second applicability index; one of the second applicability indexes is used to indicate the second applicability of a payment method to the terminal device; the second applicability index is that the server uses the The data of the user of the terminal device is calculated in the cloud;

Sort the multiple payment methods according to the sort information.
A computer-readable medium having computer-readable instructions stored thereon, and the computer-readable instructions can be executed by a processor to implement the method for determining a payment method according to any one of claims 1 to 11.