Payment information push method, device and terminal equipment

Abstract

The present invention provides a payment information push method, device and terminal equipment, which are applicable to the field of data processing technology. The method includes: obtaining images or videos taken during the user's business handling process, and identifying the scene category of the user based on the images or videos; extracting the payment link type corresponding to the scene category; processing the obtained user's payment information, generating a payment link of the payment link type, and pushing the payment link to the user. The embodiment of the present invention can send a payment link that is convenient for the user to pay, regardless of the environment the user is in, so that the user can pay through his own convenient payment method, thereby greatly facilitating the user's business handling payment, improving the user's payment efficiency, and improving the success rate of the user's business handling.

Description

Technical Field

[0001] The present invention belongs to the technical field of data processing, and in particular relates to a payment information pushing method and a terminal device. Background Art

[0002] The property insurance online store service refers to a service in which users access the property insurance system through videos on smart terminals such as mobile phones to conduct online business. The current payment method for the property insurance online store service is to generate a corresponding payment QR code during the user's business payment stage. The user scans the payment QR code or manually selects the payment method provided by the property insurance system to make on-site payment. However, in actual situations, it is sometimes inconvenient for users to pay on-site, which makes payment very inconvenient, resulting in a lower success rate in user business processing. Summary of the invention

[0003] In view of this, an embodiment of the present invention provides a payment information push method and terminal device to solve the problem in the prior art that only on-site payment is possible, the payment method is single and inefficient, and the success rate of user business processing is reduced.

[0004] A first aspect of an embodiment of the present invention provides a payment information push method, including:

[0005] Acquire images or videos taken during the user's service handling process, and identify the scene category of the user based on the images or videos;

[0006] Extracting the payment link type corresponding to the scenario category;

[0007] The obtained payment information of the user is processed, a payment link of the payment link type is generated, and the payment link is pushed to the user.

[0008] A second aspect of an embodiment of the present invention provides a terminal device, which includes a memory and a processor. The memory stores a computer program that can be run on the processor. When the processor executes the computer program, the following steps are implemented.

[0009] Acquire images or videos taken during the user's service handling process, and identify the scene category of the user based on the images or videos;

[0010] Extracting the payment link type corresponding to the scenario category;

[0011] The obtained payment information of the user is processed, a payment link of the payment link type is generated, and the payment link is pushed to the user.

[0012] A third aspect of an embodiment of the present invention provides a payment information push device, including:

[0013] A scene recognition module is used to obtain images or videos taken during the user's business processing, and identify the scene category of the user based on the images or videos;

[0014] A push setting module, used to extract the payment link type corresponding to the scenario category;

[0015] The information push module is used to process the acquired payment information of the user, generate a payment link of the payment link type, and push the payment link to the user.

[0016] A fourth aspect of an embodiment of the present invention provides a computer-readable storage medium, comprising: a computer program stored therein, characterized in that when the computer program is executed by a processor, the steps of the payment information push method as described above are implemented.

[0017] Compared with the prior art, the embodiments of the present invention have the following beneficial effects: by intelligently identifying the scenario category of the user's actual environment, and setting different payment link formats suitable for each scenario category according to the characteristics of each scenario category, and finally converting the user's payment information into a format based on the payment link format suitable for the actual scenario category of the user, and sending it to the user, so that no matter what environment the user is in, a payment link that is convenient for payment can be sent to the user, so the user can pay through a payment method that is convenient for him, which greatly facilitates the user's business payment, improves the user's payment efficiency, and improves the success rate of the user's business processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0019] Figure 1 This is a schematic diagram of the implementation flow of the payment information push method provided in the first embodiment of the present invention;

[0020] Figure 2 This is a schematic diagram of the implementation flow of the payment information push method provided in the second embodiment of the present invention;

[0021] Figure 3 Schematic diagram of the implementation process of the payment information push method provided in the third embodiment of the present invention;

[0022] Figure 4 Schematic diagram of the implementation process of the payment information push method provided in the fourth embodiment of the present invention;

[0023] Figure 5 Schematic diagram of the implementation flow of the payment information push method provided in Embodiment 5 of the present invention;

[0024] Figure 6 It is a structural diagram of a payment information push device provided in Embodiment 6 of the present invention;

[0025] Figure 7 It is a schematic diagram of a terminal device provided in Embodiment 7 of the present invention. DETAILED DESCRIPTION

[0026] In the following description, specific details such as specific system structures, technologies, etc. are provided for the purpose of illustration rather than limitation, so as to provide a thorough understanding of the embodiments of the present invention. However, it should be clear to those skilled in the art that the present invention may be implemented in other embodiments without these specific details. In other cases, detailed descriptions of well-known systems, devices, circuits, and methods are omitted to prevent unnecessary details from obstructing the description of the present invention.

[0027] In order to illustrate the technical solution of the present invention, a specific embodiment is provided below for illustration.

[0028] In order to facilitate the understanding of the present invention, a brief introduction to the embodiments of the present invention is given here: Considering that the property insurance air store services in the prior art are all directly paid on-site during the payment stage of the user's business processing, but in actual situations, users are often inconvenient or unwilling to pay on-site, especially in public places. Many users may not be convenient to pay on-site or are unwilling to expose too much payment information in public places, which makes users often not make on-site payments, and ultimately leads to business processing failures. Therefore, in order to meet the actual payment needs of users, improve user payment efficiency and improve the success rate of user business processing, the embodiments of the present invention will identify the actual environment of the user, and intelligently select the appropriate payment method according to the actual environment of the user and determine the payment link type corresponding to the payment method, and then convert the format of the payment information and push it, so that users can obtain the most suitable payment method in different environments, as described in detail below:

[0029] Figure 1 The following is a flowchart of the payment information push method according to the first embodiment of the present invention, which is described in detail as follows:

[0030] S101, obtaining images or videos taken during the user's service processing, and identifying the scene category of the user based on the images or videos.

[0031] Since users access the property insurance system through video when using the property insurance air store service to handle business, a large number of images or videos of the user's environment can be captured by the user's smart terminal during the process of handling business. In order to effectively identify the user's environment scene, the embodiment of the present invention will perform scene recognition based on these images or videos captured during the user's business handling process. Among them, the specific scene recognition algorithm is not limited here, and can be set by technical personnel according to actual needs, including but not limited to using some existing scene classification algorithms based on deep learning, or setting corresponding landmark objects for each type of scene, such as setting the landmark object for a restaurant as a dining table, setting the landmark object for a basketball court as a basketball stand, etc., and then determining the corresponding scene category based on the landmark objects contained in the captured image or video.

[0032] As an embodiment of the present invention, in actual situations, not every captured image or video will carry identifiable scene information, that is, sometimes it is difficult to accurately identify the scene category of the user based on only one image or one video, and the user may move around during the process of handling business, which may cause the image or video captured by the camera to change. Therefore, in order to ensure accurate and effective recognition of the scene where the user is, when performing scene recognition, the embodiment of the present invention does not only recognize based on one image or one video captured during the user's business handling process, but performs scene recognition for the images or videos captured during the entire business handling process in a preset time period, until the user reaches the payment node and needs to generate payment information, the scene recognition is stopped. Therefore, the embodiment of the present invention can theoretically obtain multiple scene recognition results, and finally, vote on the scene category based on these scene recognition results, and the one with more votes is the final scene recognition result, thereby ensuring the accuracy and effectiveness of the final scene recognition. The specific value of the preset time period is set by the technician according to actual needs, which is not limited here. Preferably, it can be set to 30 seconds.

[0033] S102, extracting the payment link type corresponding to the scenario category.

[0034] First of all, it should be explained that in the embodiment of the present invention, in order to ensure that users can make normal and effective payments, users will be required to set up the associated payment account information before handling the business, such as payment bank cards, and the corresponding payment interface link will be generated according to the information associated with the user. For example, when the user is associated with a bank card of a bank required by the property insurance system, the corresponding bank deduction interface link will be generated in the embodiment of the present invention, so that when the payment information is generated, the payment interface link that the user can normally make payment can be obtained. Therefore, in the embodiment of the present invention, in addition to the information such as the business information and amount information required to be paid by the user, the payment information also includes the payment interface link that the user can directly pay. The user can obtain the information such as the business and amount related to this payment through the payment information, and can directly make payment through the payment interface link. For example, assuming that the money required to be paid is the money for purchasing property insurance product A, the amount is 1,000 yuan, and the payment interface link is the default bank deduction interface link of the property insurance system. At this time, the payment information at least includes the payment business: purchase property insurance product A, payment amount: 1,000 yuan, and the default bank deduction interface link of the property insurance system that the user can directly make payment operations. In an embodiment of the present invention, when a user enters a payment node for property insurance business processing, the property insurance system will automatically generate corresponding payment information based on the actual business processed by the user, the actual amount required to pay, and the set payment interface link.

[0035] Since the payment methods actually required by users in different scenarios are quite different, for example, in public places, most users are unwilling to pay on the spot, considering that payment information or personal information may be exposed during payment. However, in some non-public places such as at home, users will not worry about information exposure, and in non-public places, users generally have more time and patience to make payments, so most users are willing to pay on the spot. Therefore, in order to meet the payment needs of users in different scenarios, improve payment efficiency and increase the success rate of user business handling, different payment methods are set for different scenario categories in the embodiment of the present invention.

[0036] Since different payment methods have different display formats for payment information when making payments, for example, when using a payment QR code to pay, the payment information needs to be displayed in the format of a QR code, and when using text information to pay, the payment information needs to be displayed in the format of a corresponding payment text link. At the same time, when different payment methods push payment information, the corresponding push methods will also be different. For example, the payment QR code can be pushed directly to the user's smart terminal interface, and can also be pushed to some applications of the user's smart terminal in the form of picture information. Therefore, in order to realize different payment methods for different scene categories, in the embodiment of the present invention, the corresponding payment link type will be set for each payment method, and the subsidy method will be pushed according to the payment link type, so as to realize accurate format conversion and accurate push of payment information in the subsequent period, so that the user can obtain the corresponding payment information by scanning or clicking the payment link, and perform the corresponding payment operation directly through the payment interface link, such as scanning the generated payment QR code to obtain the corresponding payment information and make payment.

[0037] S103, processing the obtained payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user.

[0038] After determining the payment link type corresponding to the scenario category, the embodiment of the present invention will convert the format of the payment information to obtain the corresponding type of payment link, such as the above-mentioned conversion into a payment QR code or a payment text link, etc. Specifically, some existing or technical personnel-designed QR code generation technology and web link generation technology can be used to generate a payment link corresponding to the payment information, so that the user can obtain the payment information by scanning or clicking the payment link. At the same time, the payment link is pushed according to the push method corresponding to the payment link type. For example, when the push method corresponding to the payment link type is the user smart terminal interface, the generated payment QR code will be directly displayed to the user smart terminal interface to achieve the push of the user's payment information. Due to the different payment methods corresponding to different payment link types, the user's payment requirements are different. For example, the payment QR code directly displayed on the interface requires the user to pay on the spot, while the payment QR code pushed to the user application with picture information allows the user to choose to pay on the spot or to pay at his or her convenience. Therefore, in an embodiment of the present invention, by setting different payment link types and corresponding push methods for different scenario categories, the user's payment method is no longer single, and adaptive setting of the payment method for users in different scenario categories is achieved. Users can pay in the way they actually need, which greatly improves the payment efficiency and improves the success rate of user business processing.

[0039] The embodiment of the present invention intelligently identifies the scenario category of the user's actual environment, and sets different payment link formats suitable for each scenario category according to the characteristics of each scenario category. Finally, the user's payment information is formatted based on the payment link format suitable for the actual scenario category of the user, and pushed in a corresponding manner. No matter what environment the user is in, a payment link that is convenient for payment can be sent to the user, so that the user can pay through a payment method that is convenient for him / her, thereby greatly facilitating the user's business payment, improving the user's payment efficiency, and improving the success rate of the user's business processing.

[0040] As a specific implementation method for setting the corresponding payment link type according to the scenario category in the first embodiment of the present invention, there can be many payment methods in actual situations, such as the payment QR code payment and payment text link payment mentioned in the first embodiment of the present invention, but different payment methods have different timeliness requirements. For example, the payment QR code displayed directly on the interface can only be paid on the spot, while the payment pushed to the application can be paid when it is convenient for the user. Considering that users generally have more time and patience to perform payment operations in non-public places, most users are willing to pay on the spot at this time. Therefore, the use of on-site payment at this time will significantly improve the business handling success rate compared with other payment methods. Therefore, in order to improve the payment efficiency and business handling success rate in non-public places, such as Figure 2 As shown, the second embodiment of the present invention includes:

[0041] S201: If the scene category is a non-public place, the payment link type is set to a payment QR code.

[0042] In the embodiment of the present invention, a public place refers to a place where the public can go and a place open to the public, such as common restaurants, stadiums, and stations, etc. Non-public places are places other than public places. In order to accurately divide public places and non-public places, in the embodiment of the present invention, the technical personnel can set the fixed scope of public places according to the definition of public places, such as according to the above definition of public places, the technical personnel list a limited number of scenes as public places, and treat other places as non-public places. Among them, in order to realize the image / video recognition of public places and non-public places, in the embodiment of the present invention, some existing scene recognition algorithms can be used to identify specific scenes, and then determine whether the identified scenes belong to public places or non-public places, or some scene recognition algorithms designed by technical personnel can be used to complete the scene recognition, such as setting some markers that only appear in public places, such as signs, cars and buildings, etc., and identifying whether these markers are included in the image or video. If included, it is directly judged to belong to a public place, otherwise it is a non-public place. The specific recognition method used is not limited here and can be set by the technical personnel according to the needs.

[0043] When it is identified that the user is in a non-public place, it means that the user has a high degree of acceptance of on-site payment. Considering that on-site payment has a high timeliness and is less likely to result in business failure due to user forgetfulness, in an embodiment of the present invention, the payment method corresponding to the non-public place is set to the on-site payment mode of payment QR code payment, that is, the payment link type is set to the payment QR code, and the corresponding push method is set to the smart terminal interface when the user conducts business, so that the generated payment QR code can be directly displayed on the user's current interface.

[0044] S202, generating a payment QR code corresponding to the payment information, and displaying the payment QR code on the smart terminal interface when the user conducts business.

[0045] After determining the payment link type, the embodiment of the present invention will generate a payment QR code corresponding to the payment information. After the payment QR code is generated, the payment QR code will be displayed on the interface of the user's smart terminal, so that the user can obtain the corresponding payment information and make payment by scanning the payment QR code.

[0046] As a specific implementation method for setting the corresponding payment link type according to the scenario category in the first embodiment of the present invention, there may be many payment methods in actual situations, such as the payment QR code payment and payment text link payment mentioned in the first embodiment of the present invention, but different payment methods have different timeliness requirements. For example, the payment QR code displayed directly on the interface can only be paid on the spot, while the payment pushed to the application can be paid at the convenience of the user. Considering that users in public places are generally unwilling or inconvenient to pay on the spot, a payment method that can be paid at any time when it is convenient for the user is needed for public places. Its timeliness can be relatively weak to ensure the success rate of its business processing, such as Figure 3 As shown, the third embodiment of the present invention includes:

[0047] S301: If the scene category is a public place, the payment link type is set to a payment text link.

[0048] Among them, for the relevant instructions and identification methods of public places / non-public places, please refer to the relevant instructions in the second embodiment of the present invention, which will not be repeated here. When it is identified that the user is in a public place, in order to allow the user to make payments at a convenient time, the embodiment of the present invention will set the payment link type to a payment text link, so that the user can enter the payment page and make payments by clicking on the payment text link. At the same time, in order to facilitate users to make payments at any time, the embodiment of the present invention will also set the corresponding push method to some applications that users use daily, such as social chat programs, payment programs, or SMS programs, so that users can open these programs at any time and click on the payment text link to make payments. Among them, the types and quantities of specific selected applications can be set by the user in advance, or can be set by technical personnel based on statistics of the usage habits of a large number of users, which is not limited here.

[0049] S302, generating a payment text link corresponding to the payment information, and pushing the payment text link to the user's corresponding application.

[0050] After determining the format to be converted, the embodiment of the present invention converts the payment information into a corresponding payment text link and pushes it to the corresponding application so that the user can click on the payment text link to make payment at any time through the application. As a preferred method, the payment text link of the embodiment of the present invention, in addition to the link to the payment page, can also include a description of the payment information to prompt the user, such as the amount to be paid and what kind of business has been handled.

[0051] As a specific implementation method for determining the payment link type and its corresponding push method in the first embodiment and the third embodiment of the present invention, considering that different users have different actual application usage habits, the success rate of users' payment for applications that users like and are accustomed to using is bound to be higher than that for applications that users are not familiar with and do not use frequently. Therefore, the embodiments of the present invention will try their best to select the applications that users like for push, so as to improve payment efficiency and the success rate of business handling. Figure 4 , Embodiment 4 of the present invention includes:

[0052] S401, if the scene category is a public place, set the payment link type to a payment text link.

[0053] S402, obtaining user information of the user, and screening out other users whose user information has a similarity with the user information of the user higher than a preset threshold from a preset user database.

[0054] The user information refers to the user's gender, age and other information. Since the user needs to provide some user information when handling services, the embodiment of the present invention can directly match similar users with the user information provided by the user when handling services, and determine other users similar to the user. The specific value of the preset threshold can be set by the technician according to actual needs.

[0055] S402, obtaining historical payment records of other users, and analyzing the historical payment records to determine payment preference scores of other users for each application.

[0056] S403, generating a payment text link corresponding to the payment information, and pushing the payment text link to the application with the highest payment preference score.

[0057] Since similar users also have certain similarities in behavioral habits, the embodiment of the present invention will analyze the application payment habits of similar users, that is, count the number of times each application is used for payment in the historical payment records of similar users, obtain the number of payments corresponding to each application, and use it as its corresponding payment preference score, and then determine the application with the highest payment preference score as the final push object.

[0058] As an embodiment of the present invention, considering that not all users are unwilling to make on-site payments in public places, and in order to facilitate users to select payment methods according to their actual needs, the embodiment of the present invention provides users with payment method selection. Specifically, users can set the payment link type and the corresponding push method by themselves. Users only need to input the corresponding payment setting instructions in advance or when they need to make a payment during the business handling process, and they can realize the free setting of the payment method, including:

[0059] If the scenario category is a public place, the payment link type is set according to the payment setting instructions input by the user or stored.

[0060] As a fifth embodiment of the present invention, considering that users may fail to pay in time regardless of the payment method, and when users fail to pay in time, they are very likely to forget about the payment, which will eventually lead to payment failure and business failure. Therefore, the embodiment of the present invention will monitor whether the user completes the payment in time, and will promptly refresh the push information to the user when the user fails to pay in time, so as to prompt the user to pay in time, such as Figure 5 As shown, including:

[0061] S501, detecting whether the user completes payment through the payment link in a preset time period.

[0062] The specific value of the preset time period can be set by the technicians themselves and is not limited here. Preferably, it can be set to 5 to 10 minutes.

[0063] S502: If the user does not complete the payment through the payment link, update the payment link type corresponding to the scenario category.

[0064] If the user does not make payment in time, it means that the user may have forgotten about the payment, or the user has ignored the pushed payment link. In order to remind the user in time and prevent the user from ignoring a certain push method, for example, assuming that a text payment link is pushed to an application of the user in Example 1 of the present invention, but the user has forgotten to open the application and thus has not seen the text payment link, the embodiment of the present invention will select a new payment link type for the user and determine the corresponding push method, such as updating the text payment link content and pushing it to other applications of the user.

[0065] S503, returning to execute the operation of processing the obtained payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user until the user completes the payment through the payment link.

[0066] After the payment link type is updated, the embodiment of the present invention will regenerate the payment link and push the new payment link to the user based on the new push method to enhance the user's payment.

[0067] In the embodiment of the present invention, different payment methods are set in advance according to the payment habits of users in public places and non-public places. Considering that users in non-public places have better time and patience and do not need to worry about the exposure of information, on-site payment is set for users to improve the timeliness of payment, improve the payment efficiency of users and the success rate of business handling. At the same time, considering that users in public places have more concerns and the subjective willingness to pay on-site is not strong, in order to ensure payment efficiency and the success rate of business handling, the on-site payment with the strongest timeliness is not selected, but the text payment link is pushed to the user application, so that users can pay at any time when convenient. Since different payment methods have different display formats and push methods for payment information, the embodiment of the present invention sets different payment link formats for each payment method adaptively, and finally converts the format of the user's payment information based on the payment link format of the user's suitable payment method, and pushes the corresponding method, so that no matter what environment the user is in, the payment link that is convenient for payment can be sent to the user, so that the user can pay through the payment method that is convenient for him, thereby greatly facilitating the user's business handling payment, improving the user's payment efficiency, and improving the success rate of the user's business handling.

[0068] Corresponding to the method of the above embodiment, Figure 6 A structural block diagram of a payment information push device provided in an embodiment of the present invention is shown. For ease of explanation, only the parts related to the embodiment of the present invention are shown. Figure 6 The exemplary payment information push device may be an execution subject of the payment information push method provided in the aforementioned first embodiment.

[0069] Reference Figure 6 , the payment information pushing device comprises:

[0070] The scene recognition module 61 is used to obtain images or videos taken during the user's business processing, and recognize the scene category of the user based on the images or videos.

[0071] The push setting module 62 is used to extract the payment link type corresponding to the scenario category.

[0072] The information push module 63 is used to process the acquired payment information of the user, generate a payment link of the payment link type, and push the payment link to the user.

[0073] Furthermore, the payment information push device further includes:

[0074] If the scene category is a non-public place, the payment link type is set to a payment QR code.

[0075] Generate the payment QR code corresponding to the payment information, and display the payment QR code on the smart terminal interface when the user conducts business.

[0076] Furthermore, the payment information push device further includes:

[0077] If the scene category is a public place, the payment link type is set to a payment text link.

[0078] Generate the payment text link corresponding to the payment information, and push the payment text link to the application corresponding to the user.

[0079] Furthermore, the push setting module 62 includes:

[0080] If the scene category is a public place, the payment link type is set to a payment text link.

[0081] The user information of the user is obtained, and other users whose user information has a similarity with the user information of the user higher than a preset threshold are screened out from a preset user database.

[0082] The historical payment records of the other users are obtained, and based on the historical payment records, the payment preference scores of the other users for each application are determined.

[0083] Generate the payment text link corresponding to the payment information, and push the payment text link to the application with the highest payment preference score.

[0084] Furthermore, the push setting module 62 further includes:

[0085] If the scene category is a public place, the payment link type is set according to the payment setting instruction input or stored by the user.

[0086] Furthermore, the payment information push device further includes:

[0087] A preset time period is used to detect whether the user completes payment through the payment link.

[0088] If the user does not complete the payment through the payment link, the payment link type corresponding to the scenario category is updated.

[0089] Return to execute the operation of processing the obtained payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user until the user completes the payment through the payment link.

[0090] The process of each module in the payment information push device provided in the embodiment of the present invention realizing its own function can be specifically referred to the aforementioned Figure 1 The description of the first embodiment is not repeated here.

[0091] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0092] It should also be understood that, although the terms "first", "second", etc. are used to describe various elements in some embodiments of the present invention in the text, these elements should not be limited by these terms. These terms are only used to distinguish one element from another element. For example, the first table can be named as the second table, and similarly, the second table can be named as the first table, without departing from the scope of the various described embodiments. The first table and the second table are both tables, but they are not the same table.

[0093] Figure 7 Schematic diagram of a terminal device provided by an embodiment of the present invention. Figure 7As shown, the terminal device 7 of this embodiment includes: a processor 70 and a memory 71, wherein the memory 71 stores a computer program 72 that can be run on the processor 70. When the processor 70 executes the computer program 72, the steps in the above-mentioned payment information push method embodiments are implemented, for example Figure 1 Alternatively, when the processor 70 executes the computer program 72, the functions of each module / unit in the above-mentioned device embodiments are realized, for example, Figure 6 The functions of modules 61 to 63 are shown.

[0094] The terminal device 7 may be a computing device such as a desktop computer, a notebook, a PDA, or a cloud server. The terminal device may include, but is not limited to, a processor 70 and a memory 71. Those skilled in the art will appreciate that Figure 7 It is only an example of the terminal device 7 and does not constitute a limitation on the terminal device 7. It may include more or fewer components than shown in the figure, or a combination of certain components, or different components. For example, the terminal device may also include an input sending device, a network access device, a bus, etc.

[0095] The processor 70 may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or any conventional processor, etc.

[0096] The memory 71 may be an internal storage unit of the terminal device 7, such as a hard disk or memory of the terminal device 7. The memory 71 may also be an external storage device of the terminal device 7, such as a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card, etc. equipped on the terminal device 7. Further, the memory 71 may also include both an internal storage unit and an external storage device of the terminal device 7. The memory 71 is used to store the computer program and other programs and data required by the terminal device. The memory 71 may also be used to temporarily store data that has been sent or is to be sent.

[0097] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0098] If the integrated module / unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the present invention implements all or part of the processes in the above-mentioned embodiment method, and can also be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a computer-readable storage medium, and the computer program can implement the steps of the above-mentioned various method embodiments when executed by the processor. Among them, the computer program includes computer program code, and the computer program code can be in source code form, object code form, executable file or some intermediate form. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, disk, optical disk, computer memory, read-only memory (ROM), random access memory (RAM), electric carrier signal, telecommunication signal and software distribution medium, etc.

[0099] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A payment information push method, characterized in that: include: Acquire images or videos taken during the user's service handling process, and identify the scene category of the user based on the images or videos; Extracting the payment link type corresponding to the scenario category; Processing the acquired payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user; The extracting the payment link type corresponding to the scenario category; processing the acquired payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user, includes: If the scene category is a public place, the payment link type is set to a payment text link; Obtaining user information of the user, and screening out other users whose user information is similar to the user information of the user above a preset threshold from a preset user database; Obtaining the historical payment records of the other users, and analyzing the historical payment records to determine the payment preference scores of the other users for each application, wherein the number of payments corresponding to each application is obtained by counting the number of times each application is used for payment in the historical payment records of similar users, and the number of payments is used as the corresponding payment preference score; generating the payment text link corresponding to the payment information, and pushing the payment text link to the application with the highest payment preference score; After pushing the payment link to the user, the method further includes: Detecting whether the user completes payment through the payment link in a preset time period; If the user fails to complete the payment through the payment link, updating the payment link type corresponding to the scenario category; Return to execute the operation of processing the obtained payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user until the user completes the payment through the payment link.

2. The payment information push method according to claim 1, characterized in that: The extracting the payment link type corresponding to the scenario category; processing the acquired payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user, includes: If the scenario category is a non-public place, the payment link type is set to a payment QR code; Generate the payment QR code corresponding to the payment information, and display the payment QR code on the smart terminal interface when the user conducts business.

3. The payment information push method according to claim 1 or 2, characterized in that: The extracting the payment link type corresponding to the scenario category includes: If the scene category is a public place, the payment link type is set according to the payment setting instruction input or stored by the user.

4. A terminal device, characterized in that: The terminal device includes a memory and a processor, the memory stores a computer program that can be run on the processor, and the processor implements the following steps when executing the computer program: Acquire images or videos taken during the user's service handling process, and identify the scene category of the user based on the images or videos; Extracting the payment link type corresponding to the scenario category; Processing the acquired payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user; The extracting the payment link type corresponding to the scenario category; processing the acquired payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user, includes: If the scene category is a public place, the payment link type is set to a payment text link; Obtaining user information of the user, and screening out other users whose user information is similar to the user information of the user above a preset threshold from a preset user database; Obtaining the historical payment records of the other users, and analyzing the historical payment records to determine the payment preference scores of the other users for each application, wherein the number of payments corresponding to each application is obtained by counting the number of times each application is used for payment in the historical payment records of similar users, and the number of payments is used as the corresponding payment preference score; generating the payment text link corresponding to the payment information, and pushing the payment text link to the application with the highest payment preference score; After pushing the payment link to the user, the method further includes: Detecting whether the user completes payment through the payment link in a preset time period; If the user fails to complete the payment through the payment link, updating the payment link type corresponding to the scenario category; Return to execute the operation of processing the obtained payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user until the user completes the payment through the payment link.

5. A payment information push device, characterized in that: include: A scene recognition module is used to obtain images or videos taken during the user's business processing, and identify the scene category of the user based on the images or videos; A push setting module, used to extract the payment link type corresponding to the scenario category; An information push module, used to process the acquired payment information of the user, generate a payment link of the payment link type, and push the payment link to the user; The push setting module includes: If the scene category is a public place, the payment link type is set to a payment text link; Obtaining user information of the user, and screening out other users whose user information is similar to the user information of the user above a preset threshold from a preset user database; Obtaining the historical payment records of the other users, and analyzing the historical payment records to determine the payment preference scores of the other users for each application, wherein the number of payments corresponding to each application is obtained by counting the number of times each application is used for payment in the historical payment records of similar users, and the number of payments is used as the corresponding payment preference score; generating the payment text link corresponding to the payment information, and pushing the payment text link to the application with the highest payment preference score; The payment information pushing device further includes: Detecting whether the user completes payment through the payment link in a preset time period; If the user fails to complete the payment through the payment link, updating the payment link type corresponding to the scenario category; Return to execute the operation of processing the obtained payment information of the user, generating a payment link of the payment link type, and pushing the payment link to the user until the user completes the payment through the payment link.

6. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 3 are implemented.

Images