WO2022111560A1

WO2022111560A1 - Payment method and apparatus, and electronic device, and medium

Info

Publication number: WO2022111560A1
Application number: PCT/CN2021/133005
Authority: WO
Inventors: 徐圣凯
Original assignee: 维沃移动通信有限公司
Priority date: 2020-11-26
Filing date: 2021-11-25
Publication date: 2022-06-02
Also published as: CN112465497A

Abstract

The present application relates to the technical field of communications. Disclosed are a payment method and apparatus, and an electronic device, and a medium. The method comprises: identifying each identification code in a scanning range, and displaying a payment mode to be selected; receiving a first input of a user; in response to the first input, determining a first payment mode from the payment mode to be selected, and executing a preset verification process; and if the verification succeeds, executing a payment operation by using the first payment mode.

Description

Payment methods, devices, electronic equipment and media

cross reference

The present invention claims the priority of a Chinese patent application with an application number of 202011353824.9 and an invention title of "payment method, device, electronic device and medium" filed with the China Patent Office on November 26, 2020, the entire contents of which are incorporated by reference in the present invention.

technical field

The present application belongs to the field of communication technologies, and specifically relates to a payment method, device, electronic device and medium.

Background technique

Nowadays, the use of scanning code payment has been increasing, and all major companies with payment capabilities have provided corresponding scanning code payment methods. Each merchant only needs to post the QR code provided by each company, and the user can pay by scanning the required QR code, which is safe, convenient and fast.

However, sometimes merchants will post multiple QR codes at the same time, especially when multiple QR codes are close together, when users pay by scanning the codes, the scanned QR codes may be different from the QR codes that the user expects to pay; However, when a merchant provides a QR code that supports multiple payment methods, it may not be possible to identify the payment method that the user wants to use; or it may not be able to support multiple payment methods to complete the payment at the same time.

It can be seen that the existing scanning code payment method does not support the user to flexibly select the desired payment method, resulting in low payment efficiency.

SUMMARY OF THE INVENTION

The purpose of the embodiments of the present application is to provide a payment method, device, electronic device and medium, which can solve the problem that the existing scan code payment method does not support the user to flexibly select the desired payment method, resulting in low payment efficiency.

In order to solve the above technical problems, this application is implemented as follows:

In a first aspect, an embodiment of the present application provides a payment method, the method comprising:

Identify each identification code within the scanning range, and display the payment method to be selected;

receiving the first input from the user;

In response to the first input, determining a first payment method from the candidate payment methods, and performing a preset verification process;

If the verification is successful, a payment operation is performed using the first payment method.

In a second aspect, an embodiment of the present application provides a payment device, the device comprising:

The payment identification module is used to identify each identification code within the scanning range and display the payment method to be selected;

an input receiving module for receiving the first input of the user;

a payment determination module, configured to, in response to the first input, determine a first payment method from the payment methods to be selected, and execute a preset verification process;

A payment execution module, configured to execute a payment operation by using the first payment method if the verification is successful.

In a third aspect, embodiments of the present application provide an electronic device, the electronic device includes a processor, a memory, and a program or instruction stored on the memory and executable on the processor, the program or instruction being The processor implements the steps of the method according to the first aspect when executed.

In a fourth aspect, an embodiment of the present application provides a readable storage medium, where a program or an instruction is stored on the readable storage medium, and when the program or instruction is executed by a processor, the steps of the method according to the first aspect are implemented .

In a fifth aspect, an embodiment of the present application provides a chip, the chip includes a processor and a communication interface, the communication interface is coupled to the processor, and the processor is configured to run a program or an instruction, and implement the first aspect the method described.

In the embodiment of the present application, by identifying each identification code within the scanning range, the payment method to be selected is displayed; the first input from the user is received; in response to the first input, the payment method to be selected is determined from the payment method to be selected. a payment method, and perform a preset verification process; if the verification is successful, use the first payment method to perform a payment operation. Through the embodiment of the present invention, it is realized that the required payment method can be flexibly selected when scanning the code for payment, and the payment efficiency of the user is improved.

Description of drawings

1 is a schematic flowchart of a payment method provided by an embodiment of the present invention;

FIG. 2 is a schematic diagram showing a scanning two-dimensional code of a payment device according to an embodiment of the present invention;

3 is a schematic diagram showing a payment method of a payment device provided by an embodiment of the present invention;

4 is a schematic flowchart of a payment method provided by an embodiment of the present invention;

5 is a schematic flowchart of a payment method provided by an embodiment of the present invention;

6 is a schematic diagram showing a payment method of a payment device provided by an embodiment of the present invention;

7 is a schematic diagram showing a payment method of a payment device provided by an embodiment of the present invention;

8 is a schematic flowchart of a payment method provided by an embodiment of the present invention;

9 is a schematic structural diagram of a payment device provided by an embodiment of the present invention;

10 is a schematic structural diagram of an electronic device provided by an embodiment of the present invention;

FIG. 11 is a schematic diagram of a hardware structure of an electronic device implementing an embodiment of the present application.

Detailed ways

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative work fall within the protection scope of the present application.

The terms "first", "second" and the like in the description and claims of the present application are used to distinguish similar objects, and are not used to describe a specific order or sequence. It is to be understood that the data so used are interchangeable under appropriate circumstances so that the embodiments of the present application can be practiced in sequences other than those illustrated or described herein, and distinguish between "first", "second", etc. The objects are usually of one type, and the number of objects is not limited. For example, the first object may be one or more than one. In addition, "and/or" in the description and claims indicates at least one of the connected objects, and the character "/" generally indicates that the associated objects are in an "or" relationship.

The payment method, device, electronic device, and medium provided by the embodiments of the present application will be described in detail below with reference to the accompanying drawings through specific embodiments and application scenarios thereof.

As shown in FIG. 1 , an embodiment of the present invention provides a payment method. The execution body of the method may be a payment device, and the payment device includes at least a camera for scanning a code and a display screen for performing touch operations. , and a payment application APP that can be used for scanning code payment is pre-installed in the payment device. The method specifically includes the following steps:

Step S01, identify each identification code within the scanning range, and display the payment method to be selected.

The payment device first identifies the currently installed applications, applies for payment authorization to each payment application in advance, and determines the payment authorization status of each payment application.

When the user is ready to scan the code to pay, turn on the camera of the payment device to scan the identification code provided by the merchant. According to the application that has realized the payment authorization, identify all the identification codes in the scanning area, and obtain the payment method corresponding to each application that realizes the payment authorization. There are many kinds of identification codes, which may include two-dimensional codes and barcodes. For the sake of simplicity, two-dimensional codes are used as examples for illustration in the following embodiments.

The payment device will take all the acquired payment methods as the payment methods to be selected, and display them on the display screen at the same time, and the specific displayed content may include the payment method and the payment amount. Specific examples are as follows:

As shown in FIG. 2 , if there are two-dimensional codes A1 and A2 in the scanning area, corresponding to the applications B1 and B2 respectively, in the case that the payment device has installed the applications B1 and B2 and the payment authorization has been completed, the payment The device will identify the payment method C1 corresponding to the application B1 and the payment method C2 corresponding to the application B2 by scanning, so that, as shown in FIG. 3 , the payment methods C1 and C2 are displayed on the display screen.

If there are two-dimensional codes A1, A2 and A3 in the scanning area, they correspond to the applications B1, B2 and B3 respectively, and the payment device has installed the applications B1, B2 and B3, but only the applications B1 and B2 complete the payment authorization. , the payment device will also recognize the payment methods C1 and C2 and display them.

If there is only the QR code A1 in the scanning area, and it corresponds to the applications B1, B2 and B3 at the same time, and the payment device has installed the applications B1, B2, B3, but only the applications B1 and B2 complete the payment authorization, all The payment device will also recognize payment methods C1 and C2 and display them.

Step S02, receiving a first input from the user.

Step S03, in response to the first input, determine a first payment method from the payment methods to be selected, and execute a preset verification process.

The user selects the payment method to be selected displayed on the display screen through the first input according to his own needs. The payment device determines the first payment method according to the user's first input.

There are many ways of the first input, for example, a logo corresponding to the first payment method can be input through text or voice, and the first payment method can also be selected from the display screen through a touch operation. In this embodiment of the present invention, the user will input the first input in the form of a touch operation.

Further, the step S03 includes:

Step S031 , when the touch operation of the user is monitored, determine the first payment method according to the touch area of the touch operation.

The touch operation can be set according to actual needs, for example, it can be a long press operation, a circle drawing operation, a tick operation, and the like. Taking the touch operation as a long-press operation as an example, the payment device may determine, according to the monitored positional relationship between the touch-control area of the long-press operation and the display area of each payment method to be paid The first payment method to be selected by the control operation.

The payment device determines the first payment method from the candidate payment methods according to the monitoring of the touch operation.

Step S033, executing a preset verification process.

After the first payment method is determined, a preset verification process is performed for payment verification.

Further, there are many specific implementations of the verification process, for example, voice verification, face recognition verification, etc., and the embodiment of the present invention only provides an example of which is: performing a preset on the current touch area fingerprint verification process.

It should be understood that when the user selects the first payment method through a touch operation, the payment device simultaneously performs fingerprint verification on the user.

Step S04, if the verification is successful, use the first payment method to perform a payment operation.

If the above verification result is that the verification is successful, the corresponding payment operation is performed according to the determined first payment method.

If the above verification result is a verification failure, it is determined that this payment has failed.

In implementation, when the verification fails, the payment device may also choose to execute the above-mentioned preset verification process again according to the preset settings, or replace another verification process to perform payment verification, which is not specifically limited here.

It can be seen from the technical solutions provided by the above embodiments of the present invention that the embodiments of the present invention display the payment methods to be selected by identifying each identification code within the scanning range; receive the first input from the user; A first payment method is determined from the payment methods to be selected, and a preset verification process is performed; if the verification is successful, a payment operation is performed using the first payment method. By means of the embodiments of the present invention, it is possible to flexibly select a required payment method when scanning a code for payment, thereby improving the user's payment efficiency.

Based on the above embodiment, further, as shown in FIG. 4, before the step S033, the method further includes:

Step S032: Obtain the total payment amount, and determine the payment amount of the first payment method based on the total payment amount; wherein, the payment amount corresponding to the payment operation is the payment amount.

There are many methods for obtaining the total payment amount of this scan code payment. The merchant can record the relevant information of the total payment amount in the scanned QR code, so that the payment device scans the QR code and parses it at the same time. The total payment amount for this scan code payment is displayed.

In implementation, the total payment amount can also be obtained by voice input. After the payment device determines the first payment method, the voice collection device is turned on, and the user or the merchant inputs the total payment amount to the payment device by voice.

Further, the step S032 includes: taking the total payment amount as the payment amount of the first payment method. As shown in Fig. 3, the total payment amount and the payment amount of the first payment method are displayed on the display screen to facilitate the user to determine whether it is accurate.

As can be seen from the technical solutions provided by the above embodiments of the present invention, the embodiments of the present invention determine the payment amount of the first payment method based on the total payment amount obtained after determining the first payment method. By means of the embodiments of the present invention, it is realized that the required payment method and payment amount can be flexibly inputted when scanning a code for payment, thereby improving the user's payment efficiency.

Based on the above embodiment, further, as shown in FIG. 5 , the step S032 includes:

Step S0321: Obtain the total payment amount.

Step S0322: After determining the first payment method, if it is determined that a sliding operation occurs in the touch area, adjust the payment amount of the first payment method according to the sliding operation.

After the payment device determines the first payment method according to the touch operation and obtains the total amount of payment, if a sliding operation, such as sliding up and down or sliding left and right, is detected in the touch area of the touch operation, according to the The sliding operation adjusts the payment amount of the first payment method. By using a preset calculation method, the proportion of the payment amount of the first payment method in the total payment is corrected according to the sliding direction and the sliding distance.

Step S0323: Determine a second payment method from other payment methods to be selected, and use the remaining amount of the total payment as the payment amount of the second payment method.

It should be understood that, in the case where the first payment method cannot pay the total payment amount in full, that is, the payment amount of the first payment method is less than the total payment amount, the payment device needs to determine the second payment method to Complete the payment of the remaining amount.

If the payment device recognizes only two payment methods to be selected during the process of recognizing the two-dimensional code, another payment method to be selected will be used as the second payment method. However, if the payment device recognizes more than two payment methods in the process of recognizing the QR code, it means that after determining the first payment method, one payment method needs to be selected from other payment methods to be selected as the second payment method. Way.

There are many methods for determining the second payment method, and the embodiment of the present invention only provides an example of one of them. According to a preset selection order, the second payment method is determined from other payment methods to be selected.

The preset selection order may be specifically preset by the user on the payment device, or may be obtained by the payment device pre-sorting each payment method according to the user's usage habits.

As shown in Figure 6 and Figure 7, through the sliding operation of the touch area, the bar graph of the amount displayed by the payment method C1 will change as the touch area slides up and down. Adjust the distribution ratio of the second payment method, reduce the payment amount of payment method C1 from 5288 in Figure 6 to 3288 in Figure 7, and increase the payment amount of payment method C2 from 0 to 2000, thus determining the first payment. The payment amount for the second payment method, and the payment amount for the second payment method.

After the subsequent verification process, if the verification is successful, the first payment method and the second payment method simultaneously perform corresponding payment operations according to their respective payment amounts, so as to realize this scan code payment.

In implementation, the selection sequence may also be applied to the process of identifying the two-dimensional code by the payment device. According to the preset payment authorization status of the application and the preset selection sequence, each item within the scanning range is selected. The QR code is used for identification, and a maximum of two payment methods can be selected. Therefore, after the first payment method is determined, the remaining payment methods to be selected are determined as the second payment method.

It can be seen from the technical solutions provided by the above embodiments of the present invention that the embodiment of the present invention adjusts the payment amount of the first payment method through a sliding operation in the monitored touch area, and uses the remaining amount as the payment amount of the second payment method. The embodiment of the present invention realizes that the required payment method and payment amount can be flexibly selected when scanning a code for payment, so that the user does not need to open multiple applications for payment operations, and the user's payment efficiency is improved.

Based on the above embodiment, further, as shown in FIG. 8 , the step S04 includes:

Step S041 , if the verification is successful, after monitoring the end of the touch operation, use the first payment method and the second payment method to perform a payment operation.

Step S042: After the verification is successful, if the preset cancellation operation is monitored, the current payment operation is cancelled.

It should be understood that, after the payment device detects the user's touch operation, in this touch operation, the payment device first selects the first payment method according to the touch operation, and adjusts the first payment method through the subsequent sliding operation. The payment amount of the first payment method and the second payment method, and at the same time, the fingerprint verification process is performed on the touch area where the touch operation is performed.

If the verification is unsuccessful, it is necessary to first determine whether the touch operation has ended, for example, to determine whether the user's finger has left the display screen. , it is determined that this scan code payment failed.

If the verification is unsuccessful, before the touch operation ends, the payment device may choose to execute the above-mentioned preset verification process again according to the preset settings, or replace another verification process to perform payment verification. Until the end of the touch operation is monitored, if the verification result is still a verification failure, it is determined that the scan code payment has failed.

If the verification is successful, it is also necessary to first determine whether the current touch operation has ended. If the current touch operation is monitored, the payment operation can be performed based on the currently determined payment method and the corresponding payment amount.

However, if the user is not satisfied with the current payment amount or payment method or finds that there is an error after the verification is successful, the user can perform a preset cancellation operation before the current touch operation is completed. The canceling operation may be a sliding operation in a preset direction or any direction, which is not specifically limited herein.

When the payment device detects that a preset cancel operation occurs in the touch area of the touch operation after the verification is successful, the current payment operation is canceled, and it is determined that the current scan code payment fails.

It can be seen from the technical solutions provided by the above embodiments of the present invention that the embodiment of the present invention cancels the current payment operation by monitoring the preset cancellation operation after the verification is successful. Through the embodiments of the present invention, it is possible to flexibly select the required payment method and payment amount, and cancel the payment at any time when scanning the code for payment, thereby improving the user's payment efficiency and security.

It should be noted that, in the payment method provided by the embodiment of the present application, the execution subject may be a payment device, or a control module in the payment device for executing the payment method. In the embodiment of the present application, the payment device provided by the embodiment of the present application is described by taking the payment method performed by the payment device as an example.

Corresponding to the payment method provided by the above-mentioned embodiment, based on the same technical concept, the embodiment of the present invention also provides a payment device. FIG. 9 is a schematic structural diagram of the payment device provided by an embodiment of the present invention, and the payment device is used for executing The payment method described in FIGS. 1 to 8 , as shown in FIG. 9 , the payment device includes: a payment identification module 901 , an input receiving module 902 , a payment determination module 903 and a payment execution module 904 .

The payment identification module 901 is used to identify each identification code within the scanning range and display the payment method to be selected; the input receiving module 902 is used to receive the first input of the user; the payment determination module 903 is used to respond to the selected payment method. the first input, determine the first payment method from the payment methods to be selected, and execute a preset verification process; the payment execution module 904 is configured to use the first payment method to perform a payment operation if the verification is successful .

Further, the payment determination module 903 is configured to determine the first payment method according to the touch area of the touch operation when the user's touch operation is monitored.

Further, the payment determination module 903 is configured to perform a preset fingerprint verification process on the current touch area.

Further, the device also includes:

An amount determination module, configured to obtain the total payment amount, and determine the payment amount of the first payment method based on the total payment amount; wherein, the payment amount corresponding to the payment operation is the payment amount.

Further, the amount determination module is configured to use the total payment amount as the payment amount of the first payment method.

As can be seen from the technical solutions provided by the above embodiments of the present invention, the embodiments of the present invention determine the payment amount of the first payment method based on the total payment amount obtained after determining the first payment method. Through the embodiments of the present invention, it is realized that the required payment method and payment amount can be flexibly selected when scanning the code to pay, and the user's payment efficiency is improved.

Further, the amount determination module includes: a first determination unit and a second determination unit.

The first determining unit is configured to, after determining the first payment method, adjust the payment amount of the first payment method according to the sliding operation if it is determined that the touch area has a sliding operation; the second determining The unit is configured to determine a second payment method from other payment methods to be selected, and use the remaining amount of the total payment as the payment amount of the second payment method.

Further, the payment execution module includes: a first execution unit and a second execution unit.

The first execution unit is configured to use the first payment method and the second payment method to execute the payment operation after monitoring the end of the touch operation if the verification is successful; the second execution unit is configured to execute the payment operation if the After the verification is successful, the preset cancellation operation is detected, and the current payment operation is cancelled.

The payment device in this embodiment of the present application may be a device, or may be a component, an integrated circuit, or a chip in a terminal. The apparatus may be a mobile electronic device or a non-mobile electronic device. Exemplarily, the mobile electronic device may be a mobile phone, a tablet computer, a notebook computer, a palmtop computer, an in-vehicle electronic device, a wearable device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (personal digital assistant). assistant, PDA), etc., the non-mobile electronic device may be a personal computer (PC), a television (television, TV), a teller machine or a self-service machine, etc., which are not specifically limited in the embodiments of the present application.

The payment device in the embodiment of the present application may be a device with an operating system. The operating system may be an Android (Android) operating system, an ios operating system, or other possible operating systems, which are not specifically limited in the embodiments of the present application.

The payment apparatus provided in the embodiment of the present application can implement each process implemented by the method embodiments in FIG. 1 to FIG. 8 , and in order to avoid repetition, details are not repeated here.

Optionally, as shown in FIG. 10, an embodiment of the present application further provides an electronic device 1000, including a processor 1001, a memory 1002, a program or instruction stored in the memory 1002 and executable on the processor 1001, When the program or instruction is executed by the processor 1001, each process of the above-mentioned payment method embodiment can be realized, and the same technical effect can be achieved. In order to avoid repetition, details are not repeated here.

It should be noted that the electronic devices in the embodiments of the present application include the aforementioned mobile electronic devices and non-mobile electronic devices.

The electronic device 100 includes but is not limited to: a radio frequency unit 101, a network module 102, an audio output unit 103, an input unit 104, a sensor 105, a display unit 106, a user input unit 107, an interface unit 108, a memory 109, and a processor 110, etc. part.

Those skilled in the art can understand that the electronic device 100 may also include a power source (such as a battery) for supplying power to various components, and the power source may be logically connected to the processor 110 through a power management system, so as to manage charging, discharging, and power management through the power management system. consumption management and other functions. The structure of the electronic device shown in FIG. 11 does not constitute a limitation on the electronic device. The electronic device may include more or less components than those shown in the figure, or combine some components, or arrange different components, which will not be repeated here. .

The input unit 104 may be a camera in this embodiment of the present application, and is used to identify each identification code within the scanning range.

The user input unit 107, which may be a touch panel in this embodiment of the present invention, is configured to receive a first input from a user.

The processor 110 is configured to, in response to the first input, determine a first payment method from the payment methods to be selected, and perform a preset verification process; if the verification is successful, use the first payment method to perform payment operate.

The display unit 106, which is a display panel in the embodiment of the present invention, is used to display the payment method to be selected and the first payment method.

Optionally, the user input unit 107 is further configured to monitor a user's touch operation.

The processor 110 is further configured to determine the first payment method according to the touch area of the touch operation when the user's touch operation is monitored.

Optionally, the processor 110 is further configured to perform a preset fingerprint verification process on the current touch area.

By means of the embodiments of the present invention, it is possible to flexibly select a required payment method when scanning a code for payment, thereby improving the user's payment efficiency.

Optionally, the input unit 104, which may be a microphone in this embodiment of the present invention, is used to acquire the total payment amount.

The processor 110 is further configured to determine the payment amount of the first payment method based on the total payment amount; wherein, the payment amount of the payment operation is the total payment amount.

The display unit 106, which is a display panel in the embodiment of the present invention, is also used to display the total payment amount and the payment amount of the first payment method.

Optionally, the processor 110 is further configured to use the total payment amount as the payment amount of the first payment method.

Through the embodiments of the present invention, it is realized that the required payment method and payment amount can be flexibly selected when scanning the code to pay, and the user's payment efficiency is improved.

Optionally, the user input unit 107, which is a touch panel in this embodiment of the present invention, is further configured to monitor whether a sliding operation occurs in the touch area.

The processor 110 is further configured to adjust the payment amount of the first payment method according to the sliding operation; determine the second payment method from other payment methods to be selected, and use the remaining amount of the total payment as the second payment method. The payment amount for the payment method.

The display unit 106, which is a display panel in the embodiment of the present invention, is further configured to display the second payment method and the payment amount of the second payment method.

The embodiment of the present invention realizes that the required payment method and payment amount can be flexibly selected when scanning a code for payment, so that the user does not need to open multiple applications for payment operations, and the user's payment efficiency is improved.

Optionally, the user input unit 107, which is a touch panel in this embodiment of the present invention, is further configured to monitor whether the touch operation ends; and a preset cancel operation.

The processor 110 is further configured to use the first payment method and the second payment method to perform a payment operation after monitoring that the touch operation ends if the verification is successful; if the verification is successful, monitoring a preset Cancel the operation to cancel the current payment operation.

Through the embodiments of the present invention, it is possible to flexibly select the required payment method and payment amount, and cancel the payment at any time when scanning the code for payment, thereby improving the user's payment efficiency and security.

It should be understood that, in this embodiment of the present application, the input unit 104 may include a graphics processor (Graphics Processing Unit, GPU) 1041 and a microphone 1042. Such as camera) to obtain still pictures or video image data for processing. The display unit 106 may include a display panel 1061, which may be configured in the form of a liquid crystal display, an organic light emitting diode, or the like. The user input unit 107 includes a touch panel 1071 and other input devices 1072 . The touch panel 1071 is also called a touch screen. The touch panel 1071 may include two parts, a touch detection device and a touch controller. Other input devices 1072 may include, but are not limited to, physical keyboards, function keys (such as volume control keys, switch keys, etc.), trackballs, mice, and joysticks, which are not described herein again. Memory 109 may be used to store software programs as well as various data including, but not limited to, application programs and operating systems. The processor 110 may integrate an application processor and a modem processor, wherein the application processor mainly processes an operating system, a user interface, and an application program, and the like, and the modem processor mainly processes wireless communication. It can be understood that, the above-mentioned modulation and demodulation processor may not be integrated into the processor 110 .

Embodiments of the present application further provide a readable storage medium, where a program or an instruction is stored on the readable storage medium. When the program or instruction is executed by a processor, each process of the above payment method embodiment can be implemented, and the same can be achieved. The technical effect, in order to avoid repetition, will not be repeated here.

Wherein, the processor is the processor in the electronic device described in the foregoing embodiments. The readable storage medium includes a computer-readable storage medium, such as a computer read-only memory (Read-Only Memory, ROM), a random access memory (Random Access Memory, RAM), a magnetic disk or an optical disk, and the like.

An embodiment of the present application further provides a chip, where the chip includes a processor and a communication interface, the communication interface is coupled to the processor, and the processor is configured to run a program or an instruction to implement each of the foregoing payment method embodiments process, and can achieve the same technical effect, in order to avoid repetition, it will not be repeated here.

It should be understood that the chip mentioned in the embodiments of the present application may also be referred to as a system-on-chip, a system-on-chip, a system-on-a-chip, or a system-on-a-chip, or the like.

It should be noted that, herein, the terms "comprising", "comprising" or any other variation thereof are intended to encompass non-exclusive inclusion, such that a process, method, article or device comprising a series of elements includes not only those elements, It also includes other elements not expressly listed or inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in a process, method, article or apparatus that includes the element. Furthermore, it should be noted that the scope of the methods and apparatus in the embodiments of the present application is not limited to performing the functions in the order shown or discussed, but may also include performing the functions in a substantially simultaneous manner or in the reverse order depending on the functions involved. To perform functions, for example, the described methods may be performed in an order different from that described, and various steps may also be added, omitted, or combined. Additionally, features described with reference to some examples may be combined in other examples.

From the description of the above embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus a necessary general hardware platform, and of course hardware can also be used, but in many cases the former is better implementation. Based on this understanding, the technical solution of the present application can be embodied in the form of a software product in essence or in a part that contributes to the prior art, and the computer software product is stored in a storage medium (such as ROM/RAM, magnetic disk, CD-ROM), including several instructions to make a terminal (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) execute the methods described in the various embodiments of this application.

The embodiments of the present application have been described above in conjunction with the accompanying drawings, but the present application is not limited to the above-mentioned specific embodiments, which are merely illustrative rather than restrictive. Under the inspiration of this application, without departing from the scope of protection of the purpose of this application and the claims, many forms can be made, which all fall within the protection of this application.

Claims

A payment method that includes:

Identify each identification code within the scanning range, and display the payment method to be selected;

receiving the first input from the user;

In response to the first input, determining a first payment method from the candidate payment methods, and performing a preset verification process;

If the verification is successful, a payment operation is performed using the first payment method.
The payment method according to claim 1, wherein said determining a first payment method from said candidate payment methods in response to said first input comprises:

When the touch operation of the user is monitored, the first payment method is determined according to the touch area of the touch operation.
The payment method according to claim 2, wherein the method further comprises:

The total payment amount is obtained, and the payment amount of the first payment method is determined based on the total payment amount; wherein, the payment amount corresponding to the payment operation is the payment amount.
The payment method according to claim 3, wherein the determining the payment amount of the first payment method based on the payment total amount comprises: taking the payment total amount as the payment amount of the first payment method.
The payment method according to claim 3, wherein determining the payment amount of the first payment method based on the total payment amount comprises:

After determining the first payment method, if it is determined that a sliding operation occurs in the touch area, adjusting the payment amount of the first payment method according to the sliding operation;

A second payment method is determined from other payment methods to be selected, and the remaining amount of the total payment amount is used as the payment amount of the second payment method.
The payment method according to claim 5, wherein, if the verification is successful, using the first payment method to perform a payment operation includes:

If the verification is successful, after monitoring the end of the touch operation, use the first payment method and the second payment method to perform the payment operation;

If the preset cancellation operation is detected after the verification is successful, the current payment operation will be cancelled.
The payment method according to any one of claims 1-6, wherein the performing a preset verification process includes:

Execute the preset fingerprint verification process on the current touch area.
A payment device, comprising:

The payment identification module is used to identify each identification code within the scanning range and display the payment method to be selected;

an input receiving module for receiving the first input of the user;

a payment determination module, configured to, in response to the first input, determine a first payment method from the payment methods to be selected, and execute a preset verification process;

A payment execution module, configured to execute a payment operation by using the first payment method if the verification is successful.
The payment device according to claim 8, wherein the payment determination module is configured to determine the first payment method according to a touch area of the touch operation when the user's touch operation is monitored.
The payment device of claim 9, wherein the device further comprises:

An amount determination module, configured to obtain the total payment amount, and determine the payment amount of the first payment method based on the total payment amount; wherein, the payment amount corresponding to the payment operation is the payment amount.
The payment device according to claim 10, wherein the amount determination module is configured to use the total payment amount as the payment amount of the first payment method.
The payment device according to claim 10, wherein the amount determination module comprises:

a first determining unit, configured to adjust the payment amount of the first payment method according to the sliding operation if it is determined that a sliding operation occurs in the touch area after the first payment method is determined;

The second determination unit is configured to determine a second payment method from other payment methods to be selected, and use the remaining amount of the total payment as the payment amount of the second payment method.
The payment device according to claim 12, wherein the payment execution module comprises:

a first execution unit, configured to execute a payment operation by using the first payment method and the second payment method after monitoring the end of the touch operation if the verification is successful;

The second execution unit is configured to cancel the current payment operation if a preset cancellation operation is detected after the verification is successful.
The payment device according to any one of claims 8-13, wherein the payment determination module is configured to perform a preset fingerprint verification process on the current touch area.
An electronic device, comprising a processor, a memory, and a program or instruction stored on the memory and executable on the processor, the program or instruction being executed by the processor to achieve as claimed in claims 1-7 The steps of any one of the payment methods.
A readable storage medium on which a program or an instruction is stored, and when the program or instruction is executed by a processor, implements the steps of the payment method according to any one of claims 1-7.
A chip, the chip includes a processor and a communication interface, the communication interface is coupled with the processor, and the processor is used to run a program or an instruction to implement the payment method according to any one of claims 1-7 A step of.
A computer program product, the program product being stored in a non-volatile storage medium, the program product being executed by at least one processor to implement the steps of the payment method according to any one of claims 1-7.
A payment device, comprising the payment device for executing the payment method according to any one of claims 1-7.