Methods, devices, equipment, systems and media for displaying QR codes

Abstract

This invention discloses a method, apparatus, device, system, and medium for displaying QR codes, belonging to the field of payment technology. The method includes: receiving payment information obtained by a receiving terminal scanning a payment QR code on a user terminal; the payment information includes configuration object information, which characterizes the configuration object; based on the configuration object information, searching for QR code setting conditions associated with the configuration object, wherein the QR code setting conditions and QR code explicit form information have a corresponding configuration relationship; if user payment behavior information obtained based on the payment information satisfies the QR code setting conditions, then sending a QR code display update instruction to the user terminal; the QR code display update instruction includes QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship, and the QR code explicit form information in the QR code display update instruction is used to cause the user terminal to update the explicit form of the displayed payment QR code. According to the embodiments of this invention, the functionality of payment QR codes can be enriched.

Description

[Technical Field]

[0001] This invention belongs to the field of payment technology, and particularly relates to a method, device, equipment, system and medium for displaying QR codes. [Previous Technology]

[0002] With the continuous development of mobile payment technology, QR code payment has become one of the important payment methods. QR codes can carry a wealth of information. For example, the use of QR codes can be divided into active reading and passive reading. Active reading involves users scanning the QR code with their terminals to quickly obtain information such as website links, videos, audio messages, and text messages associated with the QR code. Passive reading involves users displaying the QR code on their terminals, which is then scanned and the information is recognized and read. The read information can be used as a business credential for payments and other transactions.

[0003] However, QR codes have a single mode in payment and other businesses, and the functions they can provide are limited. Their other functions in payment and other businesses need to be further explored. [Summary of the Invention]

[0004] Embodiments of the present invention provide a method, apparatus, device, system and medium for displaying QR codes, which can enrich the functions of payment QR codes.

[0005] In a first aspect, embodiments of the present invention provide a method for displaying a QR code, applied to a backend system. The method includes: receiving payment information obtained by a receiving terminal scanning a payment QR code of a user terminal; the payment information includes configuration object information, which is used to characterize a configuration object, and the configuration object includes one or more of a user, a merchant, a transfer platform, and a payment card institution; searching for QR code setting conditions associated with the configuration object based on the configuration object information, wherein the QR code setting conditions and QR code explicit form information have a corresponding configuration relationship; if user payment behavior information obtained based on the payment information satisfies the QR code setting conditions, then sending a QR code display update instruction to the user terminal; the QR code display update instruction includes QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship, and the QR code explicit form information in the QR code display update instruction is used to cause the user terminal to update the explicit form of the displayed payment QR code.

[0006] In a second aspect, embodiments of the present invention provide a method for displaying a QR code, applied to a user terminal. The method includes: responding to a payment trigger input, displaying a payment QR code, wherein the payment QR code is scanned by an acceptance terminal to obtain payment information, the payment information including configuration object information, the configuration object information being used to characterize a configuration object, the configuration object including one or more of a user, a merchant, a transfer platform, and a payment card institution; receiving a QR code display update instruction sent by a backend system when user payment behavior information obtained based on the payment information meets the QR code setting conditions, the QR code display update instruction including QR code explicit form information corresponding to the QR code setting conditions in a configuration relationship, the QR code setting conditions being associated with a configuration object, and the QR code setting conditions and the QR code explicit form information having a configuration relationship; and updating the explicit form of the displayed payment QR code according to the QR code explicit form information in the QR code display update instruction.

[0007] In a third aspect, embodiments of the present invention provide a QR code display device applied to a backend system. The device includes: a receiving module for receiving payment information obtained by a receiving terminal scanning a payment QR code of a user terminal; the payment information includes configuration object information, which is used to characterize a configuration object, and the configuration object includes one or more of a user, a merchant, a transfer platform, and a payment card institution; a condition lookup module for looking up QR code setting conditions associated with the configuration object based on the configuration object information, wherein the QR code setting conditions and QR code explicit form information have a corresponding configuration relationship; and a sending module for sending a QR code display update instruction to the user terminal if the user payment behavior information obtained based on the payment information satisfies the QR code setting conditions, wherein the QR code display update instruction includes QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship, and the QR code explicit form information in the QR code display update instruction is used to cause the user terminal to update the explicit form of the displayed payment QR code.

[0008] In a fourth aspect, embodiments of the present invention provide a user terminal, comprising: a display module, configured to respond to a payment trigger input and display a payment QR code, wherein the payment QR code is scanned by an acceptance terminal to obtain payment information, the payment information including configuration object information, the configuration object information being used to characterize a configuration object, the configuration object including one or more of a user, a merchant, a transfer platform, and a payment card institution; a receiving module, configured to receive a QR code display update instruction sent by a backend system when the user payment behavior information obtained based on the payment information meets the QR code setting conditions, the QR code display update instruction including QR code explicit form information corresponding to the QR code setting conditions in a configuration relationship, the QR code setting conditions being associated with a configuration object, and the QR code setting conditions and the QR code explicit form information having a configuration relationship; the display module is further configured to update the explicit form of the displayed payment QR code according to the QR code explicit form information in the QR code display update instruction.

[0009] In a fifth aspect, embodiments of the present invention provide an electronic device applied to a background system. The electronic device includes: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, it implements the QR code display method of the first aspect.

[0010] In a sixth aspect, embodiments of the present invention provide a user terminal, including: a processor and a memory storing computer program instructions; the processor executes the computer program instructions to implement the QR code display method of the second aspect.

[0011] In a seventh aspect, embodiments of the present invention provide a QR code display system, comprising: a backend system for executing a QR code display method of the first aspect; and a user terminal, communicatively connected to the backend system for executing a QR code display method of the second aspect.

[0012] In an eighth aspect, embodiments of the present invention provide a computer-readable storage medium storing computer program instructions, which, when executed by a processor, implement the QR code display method of the first aspect or the QR code display method of the second aspect.

[0013] In a ninth aspect, embodiments of the present invention provide a computer program product, including a computer program, which, when executed by a processor, implements a QR code display method of the first aspect or a QR code display method of the second aspect.

[0014] This invention provides a method, apparatus, device, system, and medium for displaying QR codes. The backend system receives payment information obtained by a receiving terminal scanning a user terminal's payment QR code and determines a configuration object. If the user's payment behavior information obtained based on the user's payment information satisfies the QR code setting conditions associated with the configuration object, the system determines the QR code display form information corresponding to the QR code setting conditions associated with the configuration object in the configuration relationship between the QR code setting conditions and the QR code display form information, and transmits this QR code display form information to the user terminal via a QR code display update instruction. The user terminal can update the display form of the payment QR code according to the QR code display update instruction. By configuring the QR code setting conditions associated with the configuration object, the system can personalize the payment QR code for the configuration object, enabling the payment QR code to perform multiple functions beyond payment, such as reminders, important information display, and information push, through changes in its display form, greatly enriching the functionality of the payment QR code. [Simplified Explanation of the Diagram]

[0015] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the embodiments of the present invention will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without making any progress.

[0015] Figure 1 is a schematic diagram of the architecture of a QR code display system provided in an embodiment of the present invention;

[0015] Figure 2 is a flowchart of a QR code display method provided in an embodiment of the present invention;

[0015] Figure 3 is a flowchart of a QR code display method provided in another embodiment of the present invention;

[0015] Figure 4 is a flowchart of a QR code display method provided in another embodiment of the present invention;

[0015] Figure 5 is a flowchart of a QR code display method provided in another embodiment of the present invention;

[0015] Figure 6 is a schematic diagram of the structure of a QR code display device provided in an embodiment of the present invention;

[0015] Figure 7 is a schematic diagram of the structure of a user terminal provided in an embodiment of the present invention;

[0015] Figure 8 is a schematic diagram of the structure of an electronic device provided in an embodiment of the present invention.

Implementation Method

[0016] The features and exemplary embodiments of various aspects of the present invention will be described in detail below. To make the objectives, technical solutions, and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present invention and not to limit the present invention. For those skilled in the art, the present invention can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of the present invention by illustrating examples of the present invention. It should be noted that the acquisition, storage, use, and processing of information and data in the embodiments of the present invention are all authorized by users or relevant organizations and comply with the relevant provisions of national laws and regulations.

[0017] With the continuous development of mobile payment technology, QR code payment has become one of the important payment methods. QR codes can carry a wealth of information. For example, QR codes can be used in two ways: active reading and passive reading. Active reading involves users scanning the QR code with their terminals to quickly obtain information such as website links, videos, audio, and text associated with the QR code. Passive reading involves users displaying the QR code on their terminals, which is then scanned and the information is recognized and read. This information can be used as a business credential for payments and other transactions. However, QR codes have a limited functionality in payment and other transactions, and cannot support personalized settings. Further exploration is needed to discover their other functions in payment and other transactions.

[0018] This invention provides a method, apparatus, device, system, medium, and program product for displaying QR codes, which can simultaneously utilize both explicit and implicit information of payment QR codes. During the payment process, the implicit information of the payment QR code is used to identify objects with personalized needs, thereby obtaining personalized settings for various objects and obtaining explicit information of the payment QR code corresponding to the personalized settings of each object. After payment is completed, the explicit information of the payment QR code corresponding to the personalized settings can be sent to the user terminal, causing the user terminal to update the payment QR code according to the explicit information of the payment QR code corresponding to the personalized settings. This changes the explicit form of the updated payment QR code, thereby providing users with functions such as reminders, important information display, and information push, realizing personalized settings for payment QR codes, enriching the functions of payment QR codes, and improving user experience.

[0019] For ease of understanding, a brief introduction to the QR code display system in this embodiment of the invention will be given first. Figure 1 is a schematic diagram of the architecture of a QR code display system provided in an embodiment of the invention. As shown in Figure 1, the QR code display system may include a user terminal 11 and a backend system 12. In some examples, the QR code display system may also include a receiving terminal 13.

[0020] User terminal 11 may include, but is not limited to, devices capable of displaying payment QR codes such as mobile phones, tablets, smart bracelets, and smartwatches. The payment QR code displayed on user terminal 11 can be scanned by acceptance terminal 13. The acceptance terminal can obtain the implicit information of the payment QR code by scanning it, that is, the information contained in the payment QR code after parsing. Acceptance terminal 13 may include, but is not limited to, point-of-sale devices, i.e., POS machines. User terminal 11 can communicate with backend system 12. Acceptance terminal 13 can communicate with backend system 12.

[0021] The back-end system 12 can receive access from the user terminal 11 and the acceptance terminal 13. The back-end system may include, but is not limited to, the back-end system of the application in the user terminal 11, the back-end system of the acquiring institution, the back-end system of the payment card institution of the payment card bound to the user terminal 11, the payment transfer system, etc. The specific composition of the back-end system can be adjusted according to the scenario, requirements, etc. The acceptance terminal 13 can communicate and interact with the back-end system of the acquiring institution. The back-end system of the application, the back-end system of the payment card institution, and the payment transfer system can communicate and interact with the back-end system of the acquiring institution. The back-end system of the application can communicate and interact with the back-end system of the payment card institution and the payment transfer system. The back-end system of the payment card institution can communicate and interact with the payment transfer system. In this embodiment of the invention, the back-end system 12 can not only issue payment QR codes to the user terminal, but also provide the user terminal with QR code explicit form information that can indicate the explicit form of the payment QR code, thereby enabling the user terminal to display payment QR codes in various display forms. The functions of the backend system 12 can be implemented by devices of the same or different types, and the types and number of devices in the backend system 12 are not limited here.

[0022] The following describes the QR code display method, apparatus, equipment, system, medium and program products provided by the present invention.

[0023] The first aspect of the present invention provides a method for displaying a QR code, which is applied to a backend system, that is, the method for displaying a QR code can be executed by the backend system. Figure 2 is a flowchart of a method for displaying a QR code provided in an embodiment of the present invention. As shown in Figure 2, the method for displaying a QR code may include steps S201 to S203.

[0024] In step S201, the payment information obtained by the acceptance terminal scanning the payment QR code of the user terminal is received.

[0025] The user terminal responds to the payment trigger input by displaying a payment QR code. The receiving terminal scans the payment QR code to obtain the implicit information contained in the payment QR code. In this embodiment of the invention, displaying the payment QR code on the user terminal means showing the payment QR code. The receiving terminal initiates payment and sends payment information to the backend system. The payment information may include configuration object information, which is used to characterize the configuration object. The configuration object includes objects that can configure the explicit form of the payment QR code. The configuration object includes one or more of the following: user, merchant, switching platform, and payment card institution. That is, the configuration object information may include, but is not limited to, user information, merchant information, switching platform information, and payment card information. The payment information may also include information such as order identifier, payment resource quantity, and payment time, which are not limited here. The configuration object information can be obtained from the implicit information contained in the payment QR code and the receiving terminal, which are not limited here.

[0026] In step S202, the QR code setting conditions associated with the configuration object are found based on the configuration object information.

[0027] Configuration objects can be pre-set with QR code setting conditions, and these conditions are associated with the configuration object itself. Different configuration objects can have different QR code setting conditions; that is, different configuration objects can be associated with different QR code setting conditions. For example, the QR code setting conditions associated with users, merchants, transfer platforms, and payment card institutions can all be different. The QR code setting conditions associated with different merchants, users, and payment card institutions can also be different. QR code setting conditions include conditions for achieving one or more functions by updating the explicit form of the payment QR code. Functions that can be achieved by updating the explicit form of the payment QR code may include, but are not limited to, reminders, displaying important information, and information push notifications. If the QR code setting conditions are met, it indicates that the explicit form of the payment QR code needs to be updated. There is a corresponding configuration relationship between the QR code setting conditions and the QR code display form information. In the configuration relationship, different QR code setting conditions correspond to different QR code display form information. That is, if different QR code setting conditions are met, the user terminal will display payment QR codes with different display forms.

[0028] In step S203, if the user payment behavior information obtained based on the payment information meets the QR code setting conditions, a QR code display update instruction is sent to the user terminal.

[0029] User payment behavior information can characterize user behavior that can be obtained based on this payment. User behavior obtained based on this payment may include the user's behavior during this payment, or it may include the user's historical behavior obtained by tracing information based on payment information. At least a portion of the payment information can be directly used as user payment behavior information, or information associated with the payment information can be obtained as user payment behavior information. For example, payment information may include payment time, reflecting the user's payment behavior in the time dimension, and the payment time can be used as user payment behavior information. Another example is that payment information may include user information; based on the user information, the number of historical payments indicated by the user information can be obtained, reflecting the user's historical payment behavior, and the number of historical payments can be used as user payment behavior information. When the backend system includes multiple subsystems, such as the backend system of the application in the user terminal, the backend system of the acquiring institution, the backend system of the payment card institution of the payment card bound to the user terminal, and the payment transfer system, user payment behavior information can be obtained through the interaction of multiple subsystems. For example, if user payment behavior information includes payment time, the acquiring institution's back-end system can directly determine the payment time in the payment information as user payment behavior information; if user payment behavior information includes the user's total payment resources within a predetermined time period, the acquiring institution's back-end system can send the user information in the payment information to the payment transfer system. The transfer system can obtain the user's total payment resources within the predetermined time period indicated by the user information based on the user information, and determine the user's total payment resources within the predetermined time period as user payment behavior information; there are other interactions between subsystems, which will not be listed here.

[0030] Payment behavior information satisfies the QR code setting conditions, and the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship can take effect on the user terminal. The QR code explicit form information is used to characterize the explicit form of the payment QR code. When the QR code setting conditions are met, the explicit form of the payment QR code displayed on the user terminal should be updated to the explicit form characterized by the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship. To make the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship take effect, this QR code explicit form information can be sent to the user terminal via a QR code display update command. The QR code display update command is used to instruct the user terminal to update the payment QR code. The QR code display update command includes the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship, and the QR code explicit form information in the QR code display update command is used to cause the user terminal to update the explicit form of the displayed payment QR code.

[0031] The user terminal responds to the QR code display update instruction by updating the visible form of the payment QR code according to the visible form information in the QR code display update instruction, so that the visible form of the updated payment QR code is consistent with the visible form represented by the visible form information in the QR code display update instruction. In some examples, the visible form information of the QR code can be used to represent one or more of the following: QR code shape, QR code color, and QR code embedded prompt information. Correspondingly, the visible form information of the QR code may include, but is not limited to, one or more of the following: QR code shape information, QR code color information, and embedded prompt information. The color, shape, and embedded prompt information of the payment code can be updated through the QR code display update instruction. The embedded prompt information of the QR code may include text and / or illustrations. For example, the initial payment QR code is rectangular in shape, black in color, and contains no icons or text. After being updated according to a QR code display update command, the updated payment QR code becomes square in shape, yellow in color, and includes a date—the date the user intends to conduct their transaction. The change in color and the addition of the date text within the QR code serves as a reminder to the user that the transaction date is approaching. In some examples, the user terminal can update the visible form of the payment QR code after the payment is completed, and then display the updated QR code.

[0032] In this embodiment of the invention, the backend system can receive payment information obtained by the receiving terminal scanning the payment QR code of the user terminal, and determine the configuration object. If the user payment behavior information obtained based on the user payment information meets the QR code setting conditions associated with the configuration object, the system determines the QR code display form information corresponding to the QR code setting conditions associated with the configuration object in the configuration relationship between the QR code setting conditions and the QR code display form information, and transmits the QR code display form information to the user terminal through a QR code display update instruction. The user terminal can update the display form of the payment QR code according to the QR code display update instruction. By configuring the QR code setting conditions associated with the configuration object, the configuration object can personalize the payment QR code, so that in addition to the payment function, the payment QR code can also realize multiple functions such as reminders, important information display, and information push through changes in the display form, greatly enriching the functions of the payment QR code, enhancing the fun of the payment QR code, and improving the user experience. Furthermore, the payment process incorporates various functions to display information to users, such as reminders, important information displays, and news pushes. This eliminates the need for users to install additional task reminder applications on their devices, while also reducing the space occupied by applications on the user's device, thus meeting more user needs.

[0033] In some embodiments, the QR code setting conditions may include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0034] Transaction incentive conditions may include conditions that incentivize users by changing the explicit form of the payment QR code. User incentives can be reflected through the display of important information or information push notifications. For example, using the QR code display method in this embodiment, if the transaction incentive conditions are met, the color of the payment QR code can be updated to gold. A crown icon, the word "VIP," or a prompt to interact with staff to obtain gifts can be added to a certain area of ​​the payment QR code. Simultaneously, electronic vouchers as incentives can be issued to users, and the issuance of electronic vouchers can be indicated in the payment QR code through color or shape changes, or by adding icons or text to the payment QR code. This is not limited to these methods.

[0035] When the QR code settings include transaction incentive conditions, the user payment behavior information may include, but is not limited to, one or more of the following: user transaction behavior information within a predetermined time period, user transaction behavior information with a designated merchant within a predetermined time period, and user transaction behavior information with a designated payment card within a predetermined time period. The user transaction behavior information within the predetermined time period includes information reflecting the user's transaction behavior within that time period. For example, the user transaction behavior information within the predetermined time period may include, but is not limited to, the user's transaction resource volume within the predetermined time period, the user's transaction frequency within the predetermined time period, etc. The user transaction behavior information with a designated merchant within the predetermined time period includes information reflecting the user's transaction behavior with the designated merchant within the predetermined time period. For example, the user transaction behavior with a designated merchant within the predetermined time period may include, but is not limited to, the user transaction resource volume with the designated merchant within the predetermined time period, the user transaction frequency within the predetermined time period, etc. The transaction information for a user's designated payment card within the predetermined time period may include transaction activities conducted by the user using a specific payment card or a payment institution's payment card within that predetermined time period. For example, the transaction information for a user's designated payment card within the predetermined time period may include, but is not limited to, the transaction resource volume of the user's designated payment card within the predetermined time period, and the number of transactions using the user's designated payment card within the predetermined time period. Correspondingly, transaction incentive conditions may include, but are not limited to, one or more of the following: the user's transaction resource volume within the predetermined time period falls within the incentive resource volume range; the user's number of transactions within the predetermined time period falls within the incentive number range; the user's transaction resource volume with a designated merchant within the predetermined time period falls within the incentive resource volume range; the user's number of transactions with a designated merchant within the predetermined time period falls within the incentive number range; the user's designated payment card's transaction resource volume within the predetermined time period falls within the incentive resource volume range; and the user's designated payment card's number of transactions within the predetermined time period falls within the incentive number range.

[0036] To facilitate understanding, an example is given here to illustrate the display process of QR codes under transaction incentive conditions in a payment scenario. For example, the display process of QR codes under transaction incentive conditions in a payment scenario may include steps a1 to a6.

[0037] In step a1, the user terminal responds to the user's payment trigger input by displaying the payment QR code.

[0038] In step a2, the accepting terminal scans the payment QR code to obtain the implicit information contained in the payment QR code, and transmits the payment information, including the implicit information and merchant information, to the acquiring institution's back-end system. The implicit information includes user information, etc.

[0039] In step a3, the acquiring institution’s back-end system identifies the user based on the user information in the payment information and queries the transaction incentive conditions associated with the merchant as indicated by the merchant information. These transaction incentive conditions can be preset by the merchant.

[0040] In step a4, if the user's payment behavior information obtained based on the payment information meets the transaction incentive conditions, and the QR code explicit form information corresponding to the transaction incentive conditions is obtained, the acquiring institution's back-end system can send a QR code display update request to the back-end system of the payment application in the user terminal. The QR code display update request includes the QR code explicit form information corresponding to the transaction incentive conditions.

[0041] In step a5, the payment application's backend system sends a QR code display update instruction to the payment application on the user terminal. The QR code display update instruction includes the explicit form information of the QR code corresponding to the transaction incentive conditions.

[0042] In step a6, the payment application in the user terminal updates the visible form of the payment QR code according to the QR code display update instruction. The change in the visible form of the payment QR code can provide reminders, incentives, or information pushes to users, merchants, and other stakeholders. For example, a change in the color of the payment QR code can prompt a merchant to give a gift to a user, or it can indicate to the user that an electronic ticket has been issued.

[0043] The specific details of steps a1 to a6 above can be found in the relevant descriptions in the embodiments of the present invention, and will not be repeated here.

[0044] Transaction reminder conditions may include conditions that remind users of transaction-related matters by changing the explicit form of the payment QR code. For example, using the QR code display method in this embodiment of the invention, if the transaction reminder conditions are met, the color of the payment QR code can be updated to red. Alternatively, text or images indicating that a transaction date is approaching or that the user is approaching their payment limit can be added to a certain area of ​​the payment QR code. For example, text such as "2 days left until credit card repayment" or "payment limit" can be added to a certain area of ​​the payment QR code. This is not limited to these conditions.

[0045] When the QR code setting conditions include transaction alert conditions, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, the user's transaction behavior information within a predetermined time period, and the transaction behavior information of the user's designated payment card within the predetermined time period. The payment time corresponding to the payment QR code includes the time when the payment QR code is used for payment. The user's transaction behavior information within the predetermined time period and the user's designated payment card's transaction behavior information within the predetermined time period can be found in the relevant descriptions in the above embodiments, and will not be repeated here. Correspondingly, the transaction alert conditions may include, but are not limited to, one or more of the following: the time elapsed between the payment time and the predetermined time is within the alert duration range; the user's transaction resource volume within the predetermined time period is within the transaction alert resource volume range; the user's transaction count within the predetermined time period is within the transaction alert count range; the user's designated payment card's transaction resource volume within the predetermined time period is within the transaction alert resource volume range; and the user's designated payment card's transaction count within the predetermined time period is within the transaction alert count range.

[0046] To facilitate understanding, an example is given here to illustrate the display process of a QR code under the transaction reminder condition in a payment scenario. For example, the display process of a QR code under the transaction reminder condition in a payment scenario may include steps b1 to b7.

[0047] In step b1, the user terminal responds to the user's payment trigger input by displaying the payment QR code.

[0048] In step b2, the accepting terminal scans the payment QR code to obtain the implicit information contained in the payment QR code, and transmits the payment information, including the implicit information and merchant information, to the acquiring institution's back-end system. The implicit information includes user information, etc.

[0049] In step b3, the acquiring institution's back-end system transmits payment information to the back-end system of the payment application in the user terminal.

[0050] In step b4, the back-end system of the payment application identifies the user based on the user information in the payment information and queries the QR code setting conditions associated with the user. These QR code setting conditions can be preset by the user.

[0051] In step b4, if the QR code setting conditions include transaction reminder conditions, the back-end system of the payment application sends a transaction business query request to the back-end system of the payment card institution.

[0052] In step b5, the back-end system of the payment application receives the transaction query results fed back by the back-end system of the payment card institution, and determines the transaction query results as user payment behavior information.

[0053] In step b6, if the user's payment behavior information meets the transaction alert condition, the QR code display format information corresponding to the transaction alert condition is obtained. The payment application's backend system can send a QR code display update instruction to the payment application on the user's terminal. The QR code display update instruction includes the QR code display format information corresponding to the transaction alert condition.

[0054] In step b7, the payment application in the user terminal updates the visible form of the payment QR code according to the QR code display update instruction. The change in the visible form of the payment QR code can provide the user with reminders related to the transaction. For example, if the color of the payment QR code changes from black to red, it can indicate that the time remaining until the user's transaction is within 2 days; or, if an icon with the words "2 days" is added to a certain area of ​​the payment QR code, it can indicate that the time remaining until the user's transaction is within 2 days; or, if warning text is added to a certain area of ​​the payment QR code, it can indicate that the user's payment amount is about to exceed the limit.

[0055] The specific details of steps b1 to b7 above can be found in the relevant descriptions in the embodiments of the present invention, and will not be repeated here.

[0056] Non-transaction reminder conditions may include conditions that remind users of non-transaction-related matters by changing the explicit form of the payment QR code. For example, using the QR code display method in this embodiment of the invention, if the non-transaction reminder condition is met, the color of the payment QR code can be updated to blue, or text or icons can be added to a certain area of ​​the payment QR code to remind the user that a certain non-transaction date is approaching. For example, a cake icon can be added to a certain area of ​​the payment QR code, or text such as "1 day until my daughter's birthday" can be added to a certain area of ​​the payment QR code. This is not limited here.

[0057] When the QR code settings include non-transaction alert conditions, the user payment behavior information includes the payment time corresponding to the payment QR code. The payment time corresponding to the payment QR code can be found in the relevant descriptions in the above embodiments, and will not be repeated here. Correspondingly, non-transaction alert conditions may include, but are not limited to, the time elapsed between the payment time and the predetermined time being within the alert duration range.

[0058] To facilitate understanding, an example is given here to illustrate the display process of a QR code under non-transaction reminder conditions in a payment scenario. For example, the display process of a QR code under non-transaction reminder conditions in a payment scenario may include steps c1 to c5.

[0059] In step c1, the user terminal responds to the user's payment trigger input by displaying the payment QR code.

[0060] In step c2, the accepting terminal scans the payment QR code to obtain the implicit information contained in the payment QR code, and transmits the payment information, including implicit information, merchant information, etc., to the acquiring institution's back-end system. The implicit information includes user information, etc.

[0061] In step c3, the acquiring institution's back-end system transmits payment information to the back-end system of the payment application in the user terminal.

[0062] In step c4, the back-end system of the payment application identifies the user based on the user information in the payment information and queries the QR code setting conditions associated with the user. These QR code setting conditions can be preset by the user.

[0063] In step c4, if the QR code setting conditions include non-transaction alert conditions, the payment application's backend system obtains the QR code display format information corresponding to the non-transaction alert conditions when the user's payment behavior information meets the non-transaction alert conditions, and sends a QR code display update instruction to the payment application in the user's terminal. The QR code display update instruction includes the QR code display format information corresponding to the non-transaction alert conditions.

[0064] In step c5, the payment application in the user terminal updates the visible form of the payment QR code according to the QR code display update instruction. The change in the visible form of the payment QR code can provide the user with reminders related to non-transactional matters. For example, if the color of the payment QR code changes from black to blue, it can remind the user of important dates they have set, including but not limited to birthdays, exam dates, meeting dates, and deadlines; another example is the addition of an icon with the word "1 day" in a certain area of ​​the payment QR code to indicate that there is one day remaining until the user's important date; yet another example is the addition of text representing an important date in a certain area of ​​the payment QR code to remind the user that the important date is approaching.

[0065] The specific details of steps c1 to c5 above can be found in the relevant descriptions in the embodiments of the present invention, and will not be repeated here.

[0066] In some embodiments, if only one configuration object has set the QR code setting conditions, then a QR code display update instruction can be generated based on the QR code display form information corresponding to the QR code setting conditions associated with this configuration object. That is, the QR code display update instruction includes the QR code display form information corresponding to the QR code setting conditions associated with this configuration object.

[0067] In some embodiments, multiple configuration objects may have QR code setting conditions set. For example, a user may be associated with QR code setting conditions, and the merchant who initiates the payment with that user may also be associated with QR code setting conditions. When the number of configuration objects associated with QR code setting conditions is N, i.e., multiple configuration objects have QR code setting conditions set, the backend system can obtain N sets of QR code explicit form information from the pre-configured configuration relationships. Each set of QR code explicit form information corresponds to one configuration object, and N is an integer greater than 1. M sets of QR code explicit form information are selected from the N sets of QR code explicit form information to generate a QR code display update instruction. The QR code display update instruction includes M sets of QR code explicit form information, where M is a positive integer less than or equal to N. It is possible to select at least some sets of QR code explicit form information from the N sets of QR code explicit form information required by the N configuration objects to update the explicit form of the payment QR code displayed on the user terminal.

[0068] In some examples, a priority order can be pre-set for the configuration objects. The backend system can select the M sets of QR code explicit form information corresponding to the first M configuration objects in descending order of priority to generate a QR code display update instruction. M is less than N, indicating that a portion of the QR code explicit form information is selected from the N sets to generate the QR code display update instruction. If M=1, the backend system can select the set of QR code explicit form information corresponding to the configuration object with the highest priority from the N sets of QR code explicit form information. For example, if a user is associated with QR code setting conditions, and a merchant who transacts with the user is also associated with QR code setting conditions, if the merchant's priority is higher than the user's priority, then a QR code display update instruction is generated based on the set of QR code explicit form information corresponding to the merchant's associated QR code setting conditions.

[0069] In some examples, all obtained QR code explicit form information can be added to the QR code display update instruction. That is, a QR code display update instruction is generated based on N sets of QR code explicit form information, where M equals N.

[0070] In some examples, M is greater than 1, meaning the QR code display update instruction includes multiple sets of QR code explicit form information. To ensure that the explicit forms indicated by the multiple sets of QR code explicit form information do not conflict when the updated payment QR code is displayed on the user terminal, when M is greater than 1, the QR code display update instruction can be used to make the updated payment QR code displayed on the user terminal include M stacked QR code layers, and the explicit form of each QR code layer is determined by a corresponding set of QR code explicit form information. Each of the M stacked QR code layers is individually identifiable. By adjusting the transparency of different QR code layers, each QR code layer can be individually identified. This individual identification can include both the ability of the scanning device to identify it and the ability of the human eye to identify it. By displaying a multi-layered payment QR code, multiple personalized configurations can be achieved simultaneously, enabling the displayed updated payment QR code to perform more functions simultaneously, such as simultaneously implementing two or more of the following functions: transaction-related reminders, non-transaction-related reminders, and incentives.

[0071] In some embodiments, the initial payment QR code displayed when the user terminal initiates payment can also be personalized. Figure 3 is a flowchart of a QR code display method provided by another embodiment of the present invention. The difference between Figure 3 and Figure 2 is that the QR code display method shown in Figure 3 may further include steps S204 to S207.

[0072] In step S204, the user terminal responds to the request to obtain the QR code form sent in response to the payment trigger input.

[0073] The request to obtain the QR code format includes user information.

[0074] In step S205, based on the user information, the initial configuration information of the QR code associated with the user indicated by the user information is retrieved.

[0075] The initial configuration information of the user-associated QR code can be pre-configured, meaning the user can pre-configure the payment QR code with initial personalized settings. In some examples, the initial configuration information may include transaction-related configuration information and non-transaction-related configuration information. Transaction-related configuration information is related to transaction services, which may include, but are not limited to, credit card repayment services, payment card limit management services, etc. The backend system of the payment application in the user terminal can initiate a transaction query request to the backend system of the payment card institution. The backend system of the payment card institution can query the user's transaction services and return the query results to the backend system of the payment application. The backend system of the payment application obtains the transaction-related configuration information based on the user information and the query results. In some examples, the initial configuration information of the QR code may include user information and query results. Non-transaction-related configuration information is related to non-transaction-related transactions, which may include, but are not limited to, important date reminders, personalized icons, etc. The backend system of the payment application in the user terminal can directly use the user information as non-transaction-related configuration information.

[0076] In step S206, QR code display form information is obtained based on the initial configuration information of the QR code, and a QR code display instruction is generated.

[0077] There is a correspondence between the explicit form information of the QR code and the initial configuration information of the QR code. The explicit form information of the QR code associated with the user can be found from the correspondence, and a QR code display instruction can be generated based on the explicit form information of the QR code. The QR code display instruction includes the obtained explicit form information of the QR code.

[0078] In step S207, a QR code display instruction is sent to the user terminal.

[0079] The user terminal receives a QR code display instruction and displays a payment QR code according to the instruction. The explicit form of the payment QR code displayed by the user terminal is consistent with the explicit form represented by the QR code explicit form information in the QR code display instruction. In other words, the QR code display instruction is used to ensure that the explicit form of the payment QR code displayed by the user terminal is consistent with the explicit form represented by the QR code explicit form information in the instruction. The payment QR code initially displayed by the user terminal is a personalized payment QR code, which can provide reminders and important information display functions to the user when initiating payment, without requiring the user terminal to install any additional transaction reminder applications. For details on how the payment QR code achieves reminders and important information display functions through its explicit form, please refer to the relevant descriptions in the above embodiments, which will not be repeated here.

[0080] A second aspect of the present invention provides a method for displaying a QR code, which is applied to a user terminal, that is, the method for displaying a QR code can be executed by the user terminal. Figure 4 is a flowchart of a method for displaying a QR code according to another embodiment of the present invention. As shown in Figure 4, the method for displaying a QR code may include steps S301 to S303.

[0081] In step S301, in response to payment input, a payment QR code is displayed.

[0082] The payment QR code is scanned by the acceptance terminal to obtain payment information. The payment information includes configuration object information, which is used to characterize the configuration object. The configuration object includes one or more of the following: user, merchant, switching platform, and payment card institution.

[0083] In step S302, a QR code display update instruction is received from the backend system when the user payment behavior information obtained based on payment information meets the QR code setting conditions.

[0084] The QR code display update instruction includes the QR code display form information corresponding to the QR code setting conditions in the configuration relationship. The QR code setting conditions are associated with the configuration object, and the QR code setting conditions and the QR code display form information have a configuration relationship.

[0085] In step S303, the explicit form of the payment QR code is updated according to the explicit form information of the QR code in the QR code display update instruction.

[0086] In some embodiments, the QR code setting conditions include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0087] When the QR code setting conditions include transaction incentive conditions, the user payment behavior information includes one or more of the following: the user's transaction behavior information within the predetermined time period, the user's transaction behavior information with the designated merchant within the predetermined time period, and the user's designated payment card's transaction behavior information within the predetermined time period.

[0088] When the QR code setting conditions include transaction reminder conditions, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, the user's transaction behavior information within the predetermined time period, and the user's designated payment card's transaction behavior information within the predetermined time period.

[0089] When the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

[0090] In some embodiments, the number of configuration objects associated with the QR code setting conditions is N, and one configuration object corresponds to a set of QR code explicit form information. The QR code display update instruction includes selecting M sets of QR code explicit form information from the N sets of QR code explicit form information, where N is an integer greater than 1 and M is a positive integer less than or equal to N.

[0091] In some examples, the M configuration objects corresponding to the M sets of QR code explicit form information in the QR code display update instruction are the top M configuration objects arranged in descending order of priority among the N configuration objects. Alternatively, the QR code display update instruction includes N sets of QR code explicit form information, where M equals N.

[0092] In some examples, the above step S303 can be further refined as follows: when M is greater than 1, according to the M sets of QR code explicit form information in the QR code display update instruction, the explicit form of the payment QR code is updated respectively to obtain M QR code layers; the M QR code layers are stacked to obtain and display the updated payment QR code, and each QR code layer in the stacked M QR code layers is identified separately.

[0093] Figure 5 is a flowchart of a QR code display method provided in another embodiment of the present invention. The difference between Figure 5 and Figure 4 is that step S301 in Figure 4 can be further refined into steps S3011 to S3013 in Figure 5.

[0094] In step S3011, in response to the payment trigger input, a request to obtain the QR code form is sent to the backend system.

[0095] The QR code format acquisition request includes user information, which instructs the backend system to find the initial QR code configuration information associated with the user information. The initial QR code configuration information is used by the backend system to obtain the QR code explicit format information.

[0096] In step S3012, a QR code display instruction sent by the background system is received.

[0097] The QR code display instruction includes the QR code explicit form information obtained based on the initial QR code configuration information.

[0098] In step S3013, the payment QR code is displayed according to the QR code display instructions.

[0099] The explicit form of the payment QR code is consistent with the explicit form information of the QR code in the QR code display instruction.

[0100] In some examples, the explicit morphological information of the QR code is used to represent one or more of the following: QR code shape, QR code color, and QR code embedded prompt information. The QR code embedded prompt information includes text and / or illustrations.

[0101] It should be noted that the method for displaying a QR code applied to a user terminal corresponds to the method for displaying a QR code applied to a backend system described above. All implementation methods in the embodiments of the method for displaying a QR code applied to a backend system described above are applicable to the embodiments of the method for displaying a QR code applied to a user terminal and can achieve the same technical effect. Therefore, they will not be described again here.

[0102] A third aspect of the present invention provides a QR code display device. FIG6 is a schematic diagram of the structure of a QR code display device provided in an embodiment of the present invention. As shown in FIG6, the QR code display device 400 may include a receiving module 401, a condition search module 402, and a sending module 403.

[0103] In some embodiments, the QR code setting conditions include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0104] When the QR code setting conditions include transaction incentive conditions, the user payment behavior information includes one or more of the following: the user's transaction behavior information within the predetermined time period, the user's transaction behavior information with the designated merchant within the predetermined time period, and the user's designated payment card's transaction behavior information within the predetermined time period.

[0105] When the QR code setting conditions include transaction reminder conditions, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, the user's transaction behavior information within the predetermined time period, and the user's designated payment card's transaction behavior information within the predetermined time period.

[0106] When the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

[0107] In some embodiments, the QR code display device 400 may further include an instruction generation module. The instruction generation module can be used to: when the number of configuration objects associated with the QR code setting conditions is N, obtain N sets of QR code explicit form information in a pre-configured configuration relationship, where each set of QR code explicit form information corresponds to one configuration object, and N is an integer greater than 1; select M sets of QR code explicit form information from the N sets of QR code explicit form information, and generate a QR code display update instruction, where the QR code display update instruction includes M sets of QR code explicit form information, and M is a positive integer less than or equal to N.

[0108] In some examples, the instruction generation module can be specifically used to: select the M sets of QR code explicit form information corresponding to the M configuration objects arranged first in descending order of priority of N configuration objects, so as to generate a QR code display update instruction, where M is less than N; or, generate a QR code display update instruction based on the N sets of QR code explicit form information, where M is equal to N.

[0109] In some examples, when M is greater than 1, the QR code display update instruction is used to make the updated payment QR code displayed by the user terminal include M stacked QR code layers, the explicit form of each QR code layer is determined by a corresponding set of QR code explicit form information, and each QR code layer in the stacked M QR code layers is identified separately.

[0110] In some embodiments, the receiving module 401 may also be used to: receive a QR code form acquisition request sent by the user terminal in response to the payment trigger input before receiving payment information obtained by the accepting terminal scanning the payment QR code of the user terminal, wherein the QR code form acquisition request includes user information.

[0111] The instruction generation module can also be used to: find the initial configuration information of the QR code associated with the user indicated by the user information based on the user information; obtain the QR code display form information based on the QR code initial configuration information, and generate a QR code display instruction, which includes the obtained QR code display form information.

[0112] The sending module 403 can also be used to: send a QR code display instruction to the user terminal, the QR code display instruction being used to make the explicit form of the payment QR code displayed on the user terminal consistent with the QR code explicit form information in the QR code display instruction.

[0113] In some examples, the explicit morphological information of the QR code is used to represent one or more of the following: QR code shape, QR code color, and QR code embedded prompt information. The QR code embedded prompt information includes text and / or illustrations.

[0114] It should be noted that the QR code display device 400 is a device corresponding to the QR code display method applied to the background system described above. All implementation methods in the above method embodiments are applicable to the embodiments of this device and can achieve the same technical effect, which will not be repeated here.

[0115] A fourth aspect of the present invention provides a user terminal. FIG7 is a schematic diagram of the structure of a user terminal provided in an embodiment of the present invention. As shown in FIG7, the user terminal 500 may include a display module 501 and a receiving module 502.

[0116] The display module 501 can be used to respond to payment trigger input and display the payment QR code.

[0117] The payment QR code is scanned by the acceptance terminal to obtain payment information, which includes configuration object information. The configuration object information is used to represent the configuration object, which includes one or more of the following: user, merchant, switching platform, and payment card institution.

[0118] The receiving module 502 can be used to receive the QR code display update instruction sent by the back-end system when the user payment behavior information obtained based on payment information meets the QR code setting conditions.

[0119] The QR code display update instruction includes the QR code display form information corresponding to the QR code setting conditions in the configuration relationship. The QR code setting conditions are associated with the configuration object, and the QR code setting conditions and the QR code display form information have a configuration relationship.

[0120] The display module 501 is also used to update the display of the payment QR code according to the QR code display update instruction.

[0121] In some embodiments, the QR code setting conditions include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0122] When the QR code setting conditions include transaction incentive conditions, the user payment behavior information includes one or more of the following: the user's transaction behavior information within the predetermined time period, the user's transaction behavior information with the designated merchant within the predetermined time period, and the user's designated payment card's transaction behavior information within the predetermined time period.

[0123] When the QR code setting conditions include transaction reminder conditions, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, the user's transaction behavior information within the predetermined time period, and the user's designated payment card's transaction behavior information within the predetermined time period.

[0124] When the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

[0125] In some embodiments, the number of configuration objects associated with the QR code setting conditions is N, and one configuration object corresponds to a set of QR code explicit form information. The QR code display update instruction includes selecting M sets of QR code explicit form information from the N sets of QR code explicit form information, where N is an integer greater than 1 and M is a positive integer less than or equal to N.

[0126] In some examples, the M configuration objects corresponding to the M sets of QR code explicit form information in the QR code display update instruction are the top M configuration objects in the N configuration objects arranged in descending order of priority; or, the QR code display update instruction includes N sets of QR code explicit form information, where M equals N.

[0127] In some embodiments, the display module 501 may be specifically used to: when M is greater than 1, update the explicit form of the payment QR code according to the M sets of explicit form information of the QR code display update instruction, and obtain M QR code layers; stack the M QR code layers to obtain and display the updated payment QR code, and each QR code layer in the stacked M QR code layers is identified separately.

[0128] In some embodiments, the user terminal 500 further includes a transmission module.

[0129] The sending module can be used to respond to payment trigger input by sending a QR code form acquisition request to the backend system. The QR code form acquisition request includes user information, which instructs the backend system to find the QR code initial configuration information associated with the user information. The QR code initial configuration information is used by the backend system to obtain the QR code explicit form information.

[0130] The receiving module 502 can also be used to: receive a QR code display instruction sent by the backend system, the QR code display instruction including QR code explicit form information obtained based on the initial configuration information of the QR code.

[0131] The display module 501 can be used to: display a payment QR code according to the QR code display form information in the QR code display instruction, wherein the display form of the payment QR code is consistent with the QR code display form information in the QR code display instruction.

[0132] In some examples, the explicit morphological information of the QR code is used to represent one or more of the following: QR code shape, QR code color, and QR code embedded prompt information; the QR code embedded prompt information includes text and / or illustrations.

[0133] It should be noted that the user terminal 500 is a device corresponding to the above-described method for displaying QR codes applied to the user terminal. All implementation methods in the above-described method embodiments are applicable to the embodiments of the user terminal and can achieve the same technical effect, so they will not be described again here.

[0134] A fifth aspect of the present invention also provides an electronic device. FIG8 is a schematic diagram of the structure of an electronic device provided in an embodiment of the present invention. As shown in FIG8, the electronic device 600 includes a memory 601, a processor 602, and a computer program stored in the memory 601 and capable of running on the processor 602.

[0135] In some examples, the processor 602 described above may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or one or more integrated circuits that may be configured to implement embodiments of the present invention.

[0136] Memory 601 may include read-only memory (ROM), random access memory (RAM), magnetic storage medium device, optical storage medium device, flash memory device, electrical, optical or other physical / tangible memory storage means. Therefore, typically, memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method of displaying a QR code according to an embodiment of the first aspect of the invention.

[0137] The processor 602 reads the executable code stored in the memory 601 to run the computer program corresponding to the executable code, so as to implement the QR code display method in the first aspect embodiment above.

[0138] In some examples, the electronic device 600 may also include a communication interface 603 and a bus 604. As shown in FIG8, the memory 601, the processor 602, and the communication interface 603 are connected through the bus 604 and complete communication with each other.

[0139] The communication interface 603 is mainly used to realize communication between the modules, devices, units and / or equipment in the embodiments of the present invention. Input devices and / or output devices can also be accessed through the communication interface 603.

[0140] Bus 604 includes hardware, software or both, that couples the components of electronic device 600 together. For example, and not as a limitation, bus 604 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a Peripheral Component Interconnect Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses, or a combination of two or more of these. Where appropriate, bus 604 may include one or more buses. Although specific buses are described and illustrated in embodiments of the invention, the invention contemplates any suitable bus or interconnection.

[0141] A sixth aspect of the present invention provides a user terminal, which may include a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0142] The memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method of displaying a QR code according to an embodiment of a second aspect of the invention.

[0143] The processor runs a computer program corresponding to the executable code by reading the executable code stored in memory, so as to implement the QR code display method in the second aspect embodiment above.

[0144] In some examples, the user terminal may also include a communication interface and a bus, and the memory, processor and communication interface are connected through the bus to complete communication with each other.

[0145] The connections between memory, processor, communication interface and bus in the user terminal and the specific implementation methods can be found in the relevant descriptions in the embodiments of the electronic device in the fifth aspect above, and will not be repeated here.

[0146] A seventh aspect of the present invention provides a QR code display system, which may include a backend system and a user terminal. The backend system is used to execute the QR code display method in the first aspect embodiment. The user terminal is communicatively connected to the backend system and can be used to execute the QR code display method in the second aspect embodiment. Specific details regarding the backend system, user terminal, and QR code display method can be found in the relevant content of the above embodiments and will not be repeated here.

[0147] An eighth aspect of the present invention provides a computer-readable storage medium storing computer program instructions. When executed by a processor, the computer program instructions can implement the QR code display method in the first aspect embodiment or the QR code display method in the second aspect embodiment, and achieve the same technical effect. To avoid repetition, further details are omitted here. The aforementioned computer-readable storage medium may include non-transitory computer-readable storage media, such as read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks, etc., and is not limited thereto.

[0148] The ninth aspect of the invention provides a computer program product comprising a computer program that implements a method of displaying a QR code in the first embodiment of the above or a QR code in the second embodiment when the computer program is executed by a processor, and can achieve the same technical effect.

[0149] It needs to be made clear that each embodiment in this specification is described in a progressive manner, with the same or similar parts between the embodiments refer to each other as long as each embodiment focuses on the differences from the other embodiments. For device embodiments, equipment embodiments, user terminal embodiments, system embodiments, computer-readable storage media embodiments, and computer program product embodiments, relevant may be found in the description section of method embodiments. The invention is not limited to the particular steps and structures described above and illustrated in the figure. Those skilled in the art may, after comprehending the spirit of the invention, make various alterations, modifications and additions, or alter the sequence between steps. And, for simplicity, a detailed description of known method techniques is omitted here.

[0150] Aspects of the invention are described above with reference to a flow diagram and / or block diagram of a method, device (system) and computer program product according to an embodiment of the invention. It should be understood that each box of the flowchart and / or block diagram and a combination of each box in the flowchart and / or block diagram may be implemented by computer program instructions. Such computer program instructions may be provided to a processor of a general-purpose computer, a specialized computer, or other programmable data processing device to produce a machine such that these instructions executed via a processor of a computer or other programmable data processing device enable the implementation of the function / action specified in one or more boxes of the flow diagram and / or block diagram. Such processors may be, but are not limited to, general-purpose processors, specialized processors, special application processors, or field programmable logic circuits. It is also understood that each box of the block diagram and / or flow diagram and a combination of the boxes of the block diagram and / or flow diagram may also be implemented by a specialized hardware performing a specified function or action, or may be implemented by a combination of specialized hardware and computer instructions.

[0151] Those skilled in the art should understand that the above embodiments are exemplary and not restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on the study of the drawings, specification, and claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other devices or steps; the quantifier "a" does not exclude multiple; the terms "first" and "second" are used to identify names and not to indicate any particular order. Any schematic markings in the claims should not be construed as limiting the scope of protection. The functionality of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A method for displaying a QR code, characterized in that it is applied to a backend system, the method comprising: The backend system receives payment information obtained by scanning the payment QR code of the user terminal from the acceptance terminal. This payment information includes configuration object information, which represents a configuration object. The configuration object includes two or more of the following: user, merchant, transfer platform, and payment card institution. Based on the configuration object information, the backend system searches for the QR code setting conditions associated with the configuration object. These QR code setting conditions have a corresponding configuration relationship with the QR code explicit form information; different configuration objects can have different QR code setting conditions. If the user payment behavior information obtained based on the payment information meets the QR code setting conditions, the backend system sends a QR code display update instruction to the user terminal. This QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship. The QR code explicit form information in the QR code display update instruction is used to enable the user to... The system updates the explicit form of the payment QR code displayed on the user terminal. When the number of configuration objects associated with the QR code setting conditions is N, the backend system obtains N sets of QR code explicit form information from the pre-configured configuration relationships. Each set of QR code explicit form information corresponds to one configuration object, and N is an integer greater than 1. The backend system selects M sets of QR code explicit form information from the N sets and generates the QR code display update instruction. The QR code display update instruction includes M sets of QR code explicit form information, where M is a positive integer less than or equal to N. When M is greater than 1, the QR code display update instruction is used to make the updated payment QR code displayed on the user terminal include M stacked QR code layers. The explicit form of each QR code layer is determined by a corresponding set of QR code explicit form information, and each of the M stacked QR code layers is identified individually.

2. The method as described in request item 1, wherein, The QR code setting conditions include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions. When the QR code setting conditions include transaction incentive conditions, the user payment behavior information includes one or more of the following: user transaction behavior information within a predetermined time period, user transaction behavior information with a designated merchant within a predetermined time period, and user transaction behavior information with a designated payment card within a predetermined time period. When the QR code setting conditions include transaction reminder conditions, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, user transaction behavior information within a predetermined time period, and user transaction behavior information with a designated payment card within a predetermined time period. When the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

3. The method as described in request item 1, wherein, The backend system selects M sets of QR code explicit form information from N sets of QR code explicit form information and generates the QR code display update instruction, including: the backend system selects M sets of QR code explicit form information corresponding to the first M configuration objects in descending order of priority of the N configuration objects to generate the QR code display update instruction, where M is less than N; or, the backend system generates the QR code display update instruction based on N sets of QR code explicit form information, where M equals N.

4. The method as described in request item 1, wherein, Before the backend system receives payment information obtained by the receiving terminal scanning the payment QR code of the user terminal, the process further includes: the backend system receiving a QR code form acquisition request sent by the user terminal in response to the payment trigger input, the QR code form acquisition request including user information; the backend system searching for the user-associated QR code initial configuration information indicated by the user information based on the user information; the backend system obtaining QR code display form information based on the QR code initial configuration information and generating a QR code display instruction, the QR code display instruction including the obtained QR code display form information; and the backend system sending the QR code display instruction to the user terminal, the QR code display instruction being used to make the display form of the payment QR code displayed by the user terminal consistent with the QR code display form information in the QR code display instruction.

5. The method described in any one of requests 1 to 4, wherein, The explicit morphological information of the QR code is used to represent one or more of the following: QR code shape, QR code color, and QR code embedded prompt information; the QR code embedded prompt information includes text and / or illustrations.

6. A method for displaying a QR code, characterized in that it is applied to a user terminal, the method comprising: In response to a payment trigger input, the user terminal displays a payment QR code. The payment QR code is scanned by the acceptance terminal to obtain payment information, which includes configuration object information. This configuration object information represents a configuration object, which may include two or more of the following: a user, a merchant, a transfer platform, and a payment card institution. The user terminal receives a QR code display update instruction from the backend system when the user's payment behavior information obtained based on the payment information meets the QR code setting conditions. This QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship. The QR code setting conditions are associated with the configuration object, and the QR code setting conditions and the QR code explicit form information have the configuration relationship. Different configuration objects can have different QR code setting conditions. The user terminal updates the displayed QR code according to the QR code explicit form information in the QR code display update instruction. The explicit form of the payment QR code; wherein, the number of configuration objects associated with the QR code setting conditions is N, one configuration object corresponds to a set of QR code explicit form information, the QR code display update instruction includes M sets of QR code explicit form information selected from the N sets of QR code explicit form information, where N is an integer greater than 1 and M is a positive integer less than or equal to N; wherein, the user terminal updates the explicit form of the payment QR code according to the QR code explicit form information in the QR code display update instruction, including: when M is greater than 1, the user terminal updates the explicit form of the payment QR code according to the M sets of QR code explicit form information in the QR code display update instruction, respectively, to obtain M QR code layers; the user terminal stacks the M QR code layers to obtain and display the updated payment QR code, and each QR code layer in the stacked M QR code layers is identified individually.

7. The method as described in claim 6, wherein, The QR code setting conditions include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions. When the QR code setting conditions include transaction incentive conditions, the user payment behavior information includes one or more of the following: user transaction behavior information within a predetermined time period, user transaction behavior information with a designated merchant within a predetermined time period, and user transaction behavior information with a designated payment card within a predetermined time period. When the QR code setting conditions include transaction reminder conditions, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, user transaction behavior information within a predetermined time period, and user transaction behavior information with a designated payment card within a predetermined time period. When the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

8. The method as described in request item 6, wherein, The M sets of QR code explicit form information in the QR code display update instruction correspond to the M configuration objects, which are the top M configuration objects arranged in descending order of priority among the N configuration objects; or, the QR code display update instruction includes N sets of QR code explicit form information, where M equals N.

9. The method as described in claim 6, wherein, The step of responding to a payment trigger input and displaying a payment QR code on the user terminal includes: responding to a payment trigger input, the user terminal sending a QR code form acquisition request to the backend system, the QR code form acquisition request including user information, the user information being used to instruct the backend system to find the initial QR code configuration information associated with the user information, the initial QR code configuration information being used by the backend system to obtain QR code explicit form information; the user terminal receiving a QR code display instruction sent by the backend system, the QR code display instruction including QR code explicit form information obtained based on the initial QR code configuration information; the user terminal displaying the payment QR code according to the QR code explicit form information in the QR code display instruction, the explicit form of the payment QR code being consistent with the QR code explicit form information in the QR code display instruction.

10. The method as described in any one of claims 6 to 9, wherein, The explicit morphological information of the QR code is used to represent one or more of the following: QR code shape, QR code color, and QR code embedded prompt information; the QR code embedded prompt information includes text and / or illustrations.

11. A QR code display device, characterized in that it is applied to a backend system, the device comprising: A receiving module is used to receive payment information obtained by the acceptance terminal scanning the payment QR code of the user terminal. The payment information includes configuration object information, which is used to represent a configuration object. The configuration object includes two or more of the following: user, merchant, transfer platform, and payment card institution. A condition lookup module is used to look up the QR code setting conditions associated with the configuration object based on the configuration object information. The QR code setting conditions have a corresponding configuration relationship with the QR code display form information. Different configuration objects can be set with different QR code setting conditions. A sending module is used to send a QR code display update instruction to the user terminal if the user payment behavior information obtained based on the payment information meets the QR code setting conditions. The QR code display update instruction includes the QR code display form information corresponding to the QR code setting conditions in the configuration relationship. The QR code display update instruction is used to cause the user terminal to update the display form of the payment QR code. The instruction generation module is used to obtain N sets of QR code explicit form information from the pre-configured configuration relationship when the number of configuration objects associated with the QR code setting conditions is N. Each set of QR code explicit form information corresponds to one configuration object, and N is an integer greater than 1. It then selects M sets of QR code explicit form information from the N sets to generate the QR code display update instruction. The QR code display update instruction includes M sets of QR code explicit form information, where M is a positive integer less than or equal to N. When M is greater than 1, the QR code display update instruction is used to make the updated payment QR code displayed on the user terminal include M stacked QR code layers. The explicit form of each QR code layer is determined by a corresponding set of QR code explicit form information, and each of the M stacked QR code layers is identified individually.

12. A user terminal, characterized in that it comprises: The display module is used to respond to payment trigger input and display a payment QR code. The payment QR code is scanned by the acceptance terminal to obtain payment information. The payment information includes configuration object information, which is used to represent a configuration object. The configuration object includes two or more of the following: user, merchant, transfer platform, and payment card institution. The receiving module is used to receive a QR code display update instruction sent by the backend system when the user payment behavior information obtained based on the payment information meets the QR code setting conditions. The QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship. The QR code setting conditions are associated with the configuration object, and the QR code setting conditions and the QR code explicit form information have the configuration relationship. Different configuration objects can be set with different QR code setting conditions. The display module is also used to... The QR code display update instruction updates the explicit form of the payment QR code. The number of configuration objects associated with the QR code setting conditions is N, with each configuration object corresponding to a set of explicit QR code form information. The QR code display update instruction includes M sets of explicit QR code form information selected from the N sets, where N is an integer greater than 1 and M is a positive integer less than or equal to N. Specifically, the display module is used to: when M is greater than 1, update the explicit form of the payment QR code according to the M sets of explicit QR code form information in the QR code display update instruction, obtaining M QR code layers; the user terminal stacks the M QR code layers to obtain and display the updated payment QR code, with each QR code layer in the stacked M layers being individually identified.

13. An electronic device, characterized in that it is applied to a background system, the electronic device comprising: Processor and memory storing computer program instructions; When the processor executes the computer program instructions, it implements the method for displaying the QR code as described in any one of requests 1 to 5.

14. A user terminal, characterized in that it comprises: Processor and memory storing computer program instructions; When the processor executes the computer program instructions, it implements a method for displaying a QR code as described in any one of requests 6 to 10.

15. A QR code display system, characterized in that it comprises: The backend system is used to execute the QR code display method as described in any of requests 1 to 5; The user terminal communicates with the backend system and is used to execute the QR code display method as described in any one of requests 6 to 10.

16. A computer-readable storage medium, characterized in that the computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement a method for displaying a QR code as described in any one of claims 1 to 10.

17. A computer program product, characterized in that it includes a computer program, which, when executed by a processor, implements the QR code display method described in any one of requests 1 to 10.

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