Display Method, Device, System and Storage Medium of Payment Method

Abstract

The present application discloses a display method, device, system and storage medium for a payment method, belonging to the field of computer technology. The method includes: an electronic device obtains a payment request, and the payment request carries processing data of a target object; the electronic device sends the payment request to a server; the server determines a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object based on the processing data of the target object; the server returns indication information of the target payment method to the electronic device; the electronic device receives the indication information of the target payment method, and based on the indication information of the target payment method, displays the optional payment methods corresponding to the target object on a payment interface, and displays the target payment method in a folded manner. The above method can reduce the exposure rate of the target payment method that does not meet the payment conditions, thereby improving the payment success rate of the target object, and to a certain extent, improving the payment experience of the target object.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of computer technology, and particularly to a method, device, system and storage medium for displaying payment methods. Background Art

[0002] With the rapid development of computer technology, the pace of people's daily life has gradually accelerated, and more and more people have started to use mobile payment methods for payment. For example, one can use the first payment method for payment or the second payment method for payment.

[0003] In the related art, an application for payment is installed and run on an electronic device. When a target object generates a transaction in the application, by clicking the payment button, it jumps to a payment interface, which includes various payment methods. The server responds to the payment request of the target object and matches the optimal payment method for the target object. The optimal payment method can be any one of the payment methods in the payment interface. The target object makes a payment based on the optimal payment method.

[0004] However, when the optimal payment method matched by the server fails, it will cause the payment of the target object to fail, thereby reducing the payment success rate of the optimal payment method and to a certain extent affecting the usage experience of the target object. Summary of the Invention

[0005] The embodiments of the present application provide a method, device, system and storage medium for displaying payment methods, which can be used to solve the problems in the related art. The technical solution is as follows:

[0006] On the one hand, the embodiments of the present application provide a method for displaying payment methods, which includes:

[0007] At the electronic device, the electronic device obtains a payment request, and the payment request carries the processing data of the target object;

[0008] The electronic device sends the payment request to the server;

[0009] At the server, the server receives the payment request sent by the electronic device, and the payment request carries the processing data of the target object;

[0010] The server determines a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object based on the processing data of the target object;

[0011] The server returns indication information of the target payment method to the electronic device;

[0012] At the electronic device, the electronic device receives indication information of a target payment method returned by the server based on processing data of the target object, where the target payment method is a payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object;

[0013] The electronic device displays a payment interface, and based on the indication information of the target payment method, displays the optional payment methods corresponding to the target object on the payment interface, and displays the target payment method in a folded manner.

[0014] In a possible implementation manner, before determining, based on the processing data of the target object, a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object, the method further includes:

[0015] For any optional payment method, obtain N pieces of processing data of payment failures of the any optional payment method, where N is an integer greater than or equal to 1;

[0016] Cluster the N pieces of processing data of payment failures to obtain at least one data clustering result, and determine whether there is a data clustering result that does not meet the payment conditions in the at least one data clustering result;

[0017] In response to there being a data clustering result that does not meet the payment conditions in the any optional payment method, use the any optional payment method as a payment method that does not meet the payment conditions;

[0018] Determining, based on the processing data of the target object, a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object includes:

[0019] Based on the data clustering result of the optional payment methods corresponding to the target object, determine the target data clustering result to which the processing data of the target object belongs. In response to the target data clustering result belonging to a data clustering result that does not meet the payment conditions, use the payment method corresponding to the target data clustering result as the target payment method.

[0020] In a possible implementation manner, clustering the N pieces of processing data of payment failures to obtain at least one data clustering result includes:

[0021] Determine K pieces of processing data as initial clustering centers in the N pieces of processing data of payment failures to obtain K initial clustering centers, where K is an integer greater than or equal to 1 and less than N;

[0022] Calculate the Euclidean distances between the N pieces of processing data of payment failures and the K initial clustering centers;

[0023] Based on this Euclidean distance, cluster the N pieces of processing data of payment failures to obtain K clustering results, and update the K initial clustering centers according to the K clustering results to obtain K target clustering centers;

[0024] If the Euclidean distance between the K target clustering centers and the K initial clustering centers is less than the reference threshold, stop clustering, and use the K clustering results as the data clustering results of any optional payment method;

[0025] If the Euclidean distance between the K target clustering centers and the K initial clustering centers is not less than the reference threshold, continue clustering until the Euclidean distance between the obtained K target clustering centers and the K initial clustering centers is less than the reference threshold, and use the obtained K clustering results as the data clustering results of any optional payment method.

[0026] In a possible implementation, determining whether there is a data clustering result that does not meet the payment conditions among the at least one data clustering result includes:

[0027] Among the at least one data clustering result, determine the data clustering results in which the number of processing data meets the first threshold;

[0028] Among the data clustering results in which the number of processing data meets the first threshold, determine the data clustering results in which the number of the same processing data meets the second threshold as the data clustering results that do not meet the payment conditions.

[0029] In a possible implementation, updating the K initial clustering centers according to the K clustering results to obtain K target clustering centers includes:

[0030] According to the K clustering results, update the K initial clustering centers according to the following formula to obtain K target clustering centers K′ i ,

[0031]

[0032] The N is the number of processing data of payment failures, the C i is any piece of processing data in the i-th clustering result, and the K i is the i-th initial clustering center.

[0033] In a possible implementation, the processing data of the target object includes at least one of payment time, location, operator used, model of the electronic device used, and payment system.

[0034] In a possible implementation, displaying the optional payment methods corresponding to the target object on the payment interface and displaying the target payment method in a folded manner includes:

[0035] Receive an expansion instruction for the target payment method, and display the target payment method in an expanded manner on the payment interface according to the expansion instruction.

[0036] On the one hand, an embodiment of the present application provides a display device for a payment method. The device includes:

[0037] An acquisition module, configured to acquire a payment request, where the payment request carries processing data of a target object;

[0038] A first sending module, configured to send the payment request to a first receiving module;

[0039] A first receiving module, configured to receive the payment request sent by the first sending module, where the payment request carries processing data of a target object;

[0040] A determination module, configured to determine a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object based on the processing data of the target object;

[0041] A second sending module, configured to return indication information of the target payment method to a second receiving module;

[0042] A second receiving module, configured to receive the indication information of the target payment method returned by the second sending module based on the processing data of the target object, where the target payment method is a payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object;

[0043] A display module, configured to display a payment interface, and based on the indication information of the target payment method, display the optional payment methods corresponding to the target object on the payment interface, and display the target payment method in a folded manner.

[0044] In a possible implementation manner, the acquisition module is further configured to, for any optional payment method, acquire N pieces of processing data of payment failures of the any optional payment method, where N is an integer greater than or equal to 1;

[0045] The device further includes:

[0046] A clustering module, configured to cluster the N pieces of processing data of payment failures to obtain at least one data clustering result;

[0047] The determination module is further configured to determine whether there is a data clustering result that does not meet the payment conditions in the at least one data clustering result;

[0048] The determination module is further configured to, in response to the existence of a data clustering result that does not meet the payment conditions in the any optional payment method, use the any optional payment method as a payment method that does not meet the payment conditions;

[0049] The determining module is configured to determine the target data clustering result to which the processing data of the target object belongs based on the data clustering result of the optional payment methods corresponding to the target object, and in response to the target data clustering result belonging to the data clustering result that does not meet the payment conditions, use the payment method corresponding to the target data clustering result as the target payment method.

[0050] In a possible implementation, the clustering module is configured to determine K processing data as the initial clustering centers from the N processing data of payment failures, obtaining K initial clustering centers, where K is an integer greater than or equal to 1 and less than N;

[0051] Calculate the Euclidean distances between the N processing data of payment failures and the K initial clustering centers;

[0052] Based on the Euclidean distances, cluster the N processing data of payment failures to obtain K clustering results, and update the K initial clustering centers according to the K clustering results to obtain K target clustering centers;

[0053] If the Euclidean distance between the K target clustering centers and the K initial clustering centers is less than the reference threshold, stop clustering and use the K clustering results as the data clustering results of any one of the optional payment methods;

[0054] If the Euclidean distance between the K target clustering centers and the K initial clustering centers is not less than the reference threshold, continue clustering until the Euclidean distance between the obtained K target clustering centers and the K initial clustering centers is less than the reference threshold, and use the obtained K clustering results as the data clustering results of any one of the optional payment methods.

[0055] In a possible implementation, the determining module is configured to determine, from the at least one data clustering result, the data clustering result in which the number of processing data meets the first threshold;

[0056] Determine the data clustering result in which the number of identical processing data meets the second threshold among the data clustering results in which the number of processing data meets the first threshold as the data clustering result that does not meet the payment conditions.

[0057] In a possible implementation, the clustering module is configured to update the K initial clustering centers according to the following formula based on the K clustering results to obtain K target clustering centers K′ i ,

[0058]

[0059] where N is the number of processing data of payment failures, C i is any one of the processing data in the i-th clustering result, and K iis the i-th initial clustering center.

[0060] In a possible implementation, the processing data of the target object includes at least one of payment time, location, operator used, model of the electronic device used, and payment system.

[0061] In a possible implementation, the display module is configured to receive an expansion instruction for the target payment method and display the target payment method in an expanded manner on the payment interface according to the expansion instruction.

[0062] On the other hand, an embodiment of the present application further provides a computer-readable storage medium, in which at least one program instruction is stored. When the at least one program instruction is loaded and executed by a processor, the display method of any of the above payment methods is implemented.

[0063] On the other hand, a display system for a payment method is provided. The system includes an electronic device and a server. Both the electronic device and the server include a memory, a processor, and a computer program stored on the memory and executable on the processor. When each processor executes the stored computer program, the display method of any of the above payment methods is implemented.

[0064] The technical solution provided by the embodiment of the present application at least includes the following beneficial effects:

[0065] In the technical solution provided by the embodiment of the present application, after the server determines a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object according to the processing data of the target object carried in the payment request sent by the electronic device, the server sends the indication information of the target payment method to the electronic device. The payment interface of the electronic device displays the target payment method that does not meet the payment conditions in a folded manner, so as to reduce the exposure rate of the target payment method that does not meet the payment conditions, thereby improving the payment success rate and to a certain extent improving the payment usage experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0066] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the following drawings are only some embodiments of the present application. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0067] Figure 1 is a schematic diagram of the implementation environment of a display method for a payment method provided by an embodiment of the present application;

[0068] Figure 2 is a flowchart of a display method for a payment method provided by an embodiment of the present application;

[0069] Figure 3 It is a schematic diagram showing the display of a payment interface provided by an embodiment of the present application;

[0070] Figure 4 It is an expanded schematic diagram of a target payment method that does not meet the payment conditions provided by an embodiment of the present application;

[0071] Figure 5 It is a schematic structural diagram of a display device for a payment method provided by an embodiment of the present application;

[0072] Figure 6 It is a schematic structural diagram of an electronic device provided by an embodiment of the present application;

[0073] Figure 7 It is a schematic structural diagram of a server provided by an embodiment of the present application. Detailed implementation manners

[0074] To make the objectives, technical solutions, and advantages of the present application clearer, the following will further describe the embodiments of the present application in detail with reference to the accompanying drawings.

[0075] Figure 1 It is a schematic diagram of the implementation environment of a method for displaying a payment method provided by an embodiment of the present application. As Figure 1 shown, this implementation environment includes: a server 101 and an electronic device 102.

[0076] The server 101 can be a single server or a server cluster composed of multiple servers. The server 101 can be at least one of a cloud computing platform and a virtualization center, and the embodiments of the present application do not limit this. The server 101 is used to receive a payment request sent by the electronic device, and based on this payment request, determine a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object. The server 101 is also used to return indication information of the target payment method to the electronic device 102. Of course, the server 101 can also include other functional servers to provide more comprehensive and diverse services.

[0077] The electronic device 102 can be at least one of a smart phone, a game console, a desktop computer, a tablet computer, an MP3 (Moving Picture Experts Group Audio Layer III) player, an MP4 (Moving Picture Experts Group Audio Layer IV) player, and a laptop computer. The electronic device 102 is connected to the server 101 via a wired network or a wireless network, and an application for payment is installed on the electronic device 102. The electronic device 102 is configured to obtain a payment request and send the payment request to the server 101. The electronic device 102 is configured to receive an indication message of a target payment method returned by the server 101 based on processing data of a target object, and the electronic device 102 is further configured to display a payment interface, and based on the indication message of the target payment method, display optional payment methods corresponding to the target object on the payment interface, and display the target payment method in a folded manner.

[0078] Based on the above implementation environment, an embodiment of the present application provides a method for displaying a payment method, so as to Figure 2 Taking the flowchart of a method for displaying a payment method provided by an embodiment of the present application shown as an example, this method can be implemented by Figure 1 the interaction process between the server 101 and the electronic device 102 in. Among them, the server 101 and the electronic device 102 are communicatively connected via a network. As Figure 2 shown, this method includes the following steps:

[0079] In step 201, the electronic device obtains a payment request, and the payment request carries processing data of a target object.

[0080] In an exemplary embodiment of the present application, an application for payment is installed and run in the electronic device. When a transaction is generated for the target object in the application, the target object can click a payment button for payment in the application. The electronic device generates a payment request for the target object in response to the click operation of the target object, that is, the electronic device obtains a payment request, and the payment request carries processing data of the target object.

[0081] In a possible implementation manner, the processing data of the target object includes at least one of a payment time, a location, an operator used, a model of the electronic device used, and a payment system.

[0082] In step 202, the electronic device sends the payment request to the server.

[0083] In an exemplary embodiment of the present application, after obtaining a payment request, the electronic device may directly send the payment request to the server. The electronic device may also, after receiving a retrieval request sent by the server, based on the retrieval request, send the payment request to the server. The present application embodiment does not limit the timing of sending the payment request.

[0084] In step 203, the server receives the payment request sent by the electronic device, and the payment request carries the processing data of the target object.

[0085] In an embodiment of the present application, the server receives the payment request sent by the electronic device, parses the payment request, and based on the parsing result, obtains the processing data of the target object carried in the payment request.

[0086] In step 204, the server determines, based on the processing data of the target object, a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object.

[0087] In an exemplary embodiment of the present application, before the server determines, based on the processing data of the target object, a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object, the server also needs to determine, based on the processing data of payment failures of the optional payment methods, a payment method that does not meet the payment conditions among the optional payment methods. See steps 2041 to 2042 below:

[0088] Step 2041: For any optional payment method, obtain N processing data of payment failures of any optional payment method, where N is an integer greater than or equal to 1.

[0089] Exemplarily, the optional payment method may be optional payment method one or optional payment method two. The present application embodiment does not limit the type of the optional payment method.

[0090] In a possible implementation manner, the server may divide its storage space into a target number of first storage spaces, and each first storage space stores N processing data of payment failures of one optional payment method.

[0091] For example, divide the storage space of the server into 3 first storage spaces. The first first storage space stores N processing data of payment failures of optional payment method one, the second first storage space stores N processing data of payment failures of optional payment method two, and the third storage space stores N processing data of payment failures of optional payment method three.

[0092] In a possible implementation, the server can obtain the processing data of N payment failures for any one of the optional payment methods from its storage space. Exemplarily, the server obtains the processing data of N payment failures for the first optional payment method, and the process is as follows: Based on the first optional payment method, the server extracts the processing data stored in the first storage space corresponding to the first optional payment method from its storage space, that is, obtains the processing data of N payment failures for the first optional payment method.

[0093] Step 2042: Cluster the processing data of N payment failures to obtain at least one data clustering result.

[0094] In a possible implementation, when the server obtains the processing data of N payment failures for a certain optional payment method, the process of the server clustering the processing data of N payment failures to obtain at least one data clustering result is as follows:

[0095] Step 1: Determine K processing data as the initial clustering centers among the processing data of N payment failures to obtain K initial clustering centers, where K is an integer greater than or equal to 1 and less than N.

[0096] In a possible implementation, the server can randomly determine K processing data as the initial clustering centers among the processing data of N payment failures to obtain K initial clustering centers. The server can also determine K processing data as the initial clustering centers among the processing data of N payment failures according to experience to obtain K initial clustering centers. The server can also determine K processing data as the initial clustering centers among the processing data of N payment failures based on the features included in the processing data of N payment failures to obtain K initial clustering centers. The embodiments of the present application do not limit the method of determining K processing data as the initial clustering centers among the processing data of N payment failures.

[0097] Exemplarily, the server can determine K processing data among the processing data of N payment failures based on the operators included in the processing data of N payment failures, and use the K processing data as the initial clustering centers, thereby obtaining K initial clustering centers.

[0098] For example, the server obtains five processing data of payment failures in the optional payment method 1, which are: the first processing data, the second processing data, the third processing data, the fourth processing data, and the fifth processing data. The operators included in these five processing data of payment failures obtained by the server are: the first operator, the second operator, the third operator, the first operator, and the third operator. Based on the operators included in these five processing data of payment failures, three processing data of payment failures are determined as the initial clustering centers among these five processing data of payment failures, and three initial clustering centers are obtained. For example, the three determined initial clustering centers are: the initial clustering center 1 is the first processing data, the initial clustering center 2 is the second processing data, and the initial clustering center 3 is the third processing data.

[0099] Step 2: Calculate the Euclidean distances between N processing data of payment failures and K initial clustering centers.

[0100] In a possible implementation manner, the server can calculate the Euclidean distance L between N processing data of payment failures and K initial clustering centers based on the following formula (1) i :

[0101]

[0102] In the above formula (1), N i is the i-th processing data of payment failure, K i is the i-th initial clustering center, and K is the number of initial clustering centers.

[0103] It should be noted that the Euclidean distance between each processing data of payment failure and each initial clustering center needs to be calculated through the above formula (1). Therefore, multiple calculations are required to obtain the Euclidean distance between each processing data of payment failure and each initial clustering center.

[0104] Step 3: Based on the Euclidean distances, cluster N processing data of payment failures to obtain K clustering results, and update the K initial clustering centers according to the K clustering results to obtain K target clustering centers.

[0105] In a possible implementation manner, based on the Euclidean distances between each processing data of payment failure and each initial clustering center obtained in the above step 2, each processing data of payment failure is clustered to obtain K clustering results.

[0106] In a possible implementation, based on the Euclidean distance between the processing data of payment failure and the K initial cluster centers, the processing data of the payment failure is clustered with the initial cluster center having the shortest Euclidean distance. The above operation is performed on each processing data of payment failure, so that K clustering results can be obtained, and each clustering result includes C processing data, where C is an integer greater than or equal to 1 and less than N.

[0107] For example, the Euclidean distance between a certain processing data of payment failure (the first processing data) and the initial cluster center 1 is 5, the Euclidean distance from the initial cluster center 2 is 10, the Euclidean distance from the initial cluster center 3 is 3, and the Euclidean distance from the initial cluster center 4 is 7. Based on these four Euclidean distances, the first processing data is clustered with the initial cluster center 3, so that the third clustering result corresponding to the initial cluster center 3 can be obtained, that is, the third clustering result corresponding to the initial cluster center 3 includes the initial cluster center 3 and the first processing data.

[0108] In a possible implementation, the server can update the K initial cluster centers according to the following formula (2) based on the K clustering results to obtain K target cluster centers K′ i :

[0109]

[0110] In the above formula (2), N is the number of processing data of payment failure, C i is any processing data in the i-th clustering result, and K i is the i-th initial cluster center.

[0111] It should be noted that each clustering result needs to update the initial cluster center according to the above formula to obtain the updated target cluster center.

[0112] Step 4: If the Euclidean distance between the K target cluster centers and the K initial cluster centers is less than the reference threshold, stop clustering, and use the K clustering results as the data clustering results of any optional payment method;

[0113] In a possible implementation, the server calculates the Euclidean distance between each of the K initial cluster centers obtained in the above step 1 and the K target cluster centers obtained in the above step 3, that is, calculates the Euclidean distance between the initial cluster center 1 and the target cluster center 1, the Euclidean distance between the initial cluster center 2 and the target cluster center 2, and so on, until the Euclidean distance between the initial cluster center K and the target cluster center K is calculated. Thus, the Euclidean distances between the K initial cluster centers and the K target cluster centers can be obtained. Each Euclidean distance is compared with a reference threshold. If the Euclidean distance is less than the reference threshold, the clustering is stopped, and the K clustering results are used as the data clustering results for this optional payment method.

[0114] It should be noted that the reference threshold can be 3 or 5. The embodiments of the present application do not limit the value of the reference threshold.

[0115] Step 5: If the Euclidean distance between the K target cluster centers and the K initial cluster centers is not less than the reference threshold, continue the clustering until the Euclidean distance between the obtained K target cluster centers and the K initial cluster centers is less than the reference threshold, and use the obtained K clustering results as the data clustering results for any optional payment method.

[0116] In a possible implementation, the process of calculating the Euclidean distance between the K target cluster centers and the K initial cluster centers in step 5 is the same as the calculation process in the above step 4, and will not be elaborated here. If the Euclidean distance is not less than the reference threshold, continue the clustering until the Euclidean distance between the obtained K target cluster centers and the K initial cluster centers is less than the reference threshold, and use the obtained K clustering results as the data clustering results for this optional payment method.

[0117] It should be noted that the above steps 1 to 5 are only the determination process of the data clustering results for one optional payment method. For each optional payment method, the processes of the above steps 1 to 5 need to be carried out to determine the data clustering results for this optional payment method.

[0118] Step 2043: Determine whether there are data clustering results that do not meet the payment conditions among at least one data clustering result.

[0119] In a possible implementation, determining whether there are data clustering results that do not meet the payment conditions among at least one data clustering result includes the following two steps:

[0120] Step 1: Among at least one data clustering result, determine the data clustering results whose number of processed data meets the first threshold.

[0121] In a possible implementation, the server calculates the number of processed data included in each data clustering result based on at least one data clustering result, and extracts the data clustering results in which the number of processed data included exceeds the first threshold.

[0122] For example, there are five data clustering results for the optional payment method 1. The first data clustering result contains 10 processed data, the second data clustering result contains 5 processed data, the third data clustering result contains 8 processed data, the fourth data clustering result contains 15 processed data, and the fifth data clustering result contains 7 processed data. The data clustering results in which the number of processed data exceeds 8 are extracted, that is, the first data clustering result and the fourth data clustering result are extracted.

[0123] It should be noted that the above only takes the first threshold as 8 as an example. The first threshold can be any value, and the embodiments of the present application do not limit the value of the first threshold.

[0124] Step 2: Among the data clustering results in which the number of processed data meets the first threshold, the data clustering results in which the number of the same processed data meets the second threshold are determined as the data clustering results that do not meet the payment conditions.

[0125] In a possible implementation, based on the data clustering results in which the number of processed data extracted in the above step 1 exceeds the first threshold, the server also needs to judge the number of the same processed data in each data clustering result, and determine the data clustering results in which the number of the same processed data meets the second threshold as the data clustering results that do not meet the payment conditions.

[0126] For example, the first data clustering result and the fourth data clustering result obtained in the above step 1. Among them, the number of the same processed data in the first data clustering result is 5, and the number of the same processed data in the fourth data clustering result is 8. The data clustering results in which the number of the same processed data exceeds 6 are determined as the data clustering results that do not meet the payment conditions, that is, the fourth data clustering result is determined as the data clustering result that does not meet the payment conditions.

[0127] It should be noted that the above only takes the second threshold as 6 as an example. The second threshold can be any value, and the embodiments of the present application do not limit the value of the second threshold.

[0128] Step 2044: In response to the existence of data clustering results that do not meet the payment conditions in any optional payment method, any optional payment method is taken as the payment method that does not meet the payment conditions.

[0129] In a possible implementation manner, based on the result obtained in the above step 2043, if there is a data clustering result that does not meet the payment condition in a certain optional payment method, since this data clustering result that does not meet the payment condition belongs to a certain optional payment method, then this optional payment method is determined as the payment method that does not meet the payment condition.

[0130] For example, the fourth data clustering result obtained in the above step 2043 is the payment method that does not meet the payment condition. Since this fourth clustering result is the data clustering result corresponding to the first optional payment method, then the first optional payment method is determined as the payment method that does not meet the payment condition.

[0131] In the embodiment of the present application, the process of determining the target payment method that does not meet the payment condition among the optional payment methods corresponding to the target object based on the processing data of the target object may be as follows:

[0132] Based on the data clustering result of the optional payment method corresponding to the target object, determine the target clustering result to which the processing data of the target object belongs. In response to the target data clustering result belonging to the data clustering result that does not meet the payment condition, use the payment method corresponding to the target data clustering result as the target payment method.

[0133] In a possible implementation manner, according to the processing data of the target object, determine the target clustering result to which the target object belongs among the data clustering results of the optional payment methods corresponding to the target object. Determine whether this target data clustering result belongs to the data clustering result that does not meet the payment condition. If this target data clustering result does not belong to the data clustering result that does not meet the payment condition, then determine the payment method corresponding to this target data clustering result as the optional payment method. If this target data clustering result belongs to the data clustering result that does not meet the payment condition, then determine the payment method corresponding to this target data clustering result as the target payment method.

[0134] For example, the optional payment methods corresponding to the target object include the first optional payment method, the second optional payment method, and the third optional payment method, and the target clustering result to which the processing data of the target object belongs is the first clustering result in the first optional method, and this first clustering result is the data clustering result that does not meet the payment condition, then the first optional payment method is determined as the payment method that does not meet the payment condition, that is, the first optional payment method is determined as the target payment method.

[0135] In step 205, the server returns the indication information of the target payment method to the electronic device.

[0136] In an embodiment of the present application, after the server obtains the target payment method of the target object based on the above step 204, it may generate indication information based on the target payment method. If the target payment method is the first optional payment method, the content of the indication information of the target payment method may be "The first optional payment method is a payment method that does not meet the payment conditions."

[0137] In a possible implementation manner, the server may directly send the indication information of the target payment method to the electronic device to inform the electronic device that the target payment method is a payment method that does not meet the payment conditions. The server may also send the indication information of the target payment method to the electronic device after receiving the acquisition request sent by the electronic device. The embodiment of the present application does not limit the sending timing of the indication information of the target payment method.

[0138] In step 206, the electronic device receives the indication information of the target payment method returned by the server based on the processing data of the target object, and the target payment method is a payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object.

[0139] In an embodiment of the present application, when the electronic device receives the indication information of the target payment method sent by the server, the electronic device determines, based on the indication information of the target payment method, the payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object. For example, if the indication information of the target payment method is "The first optional payment method is a payment method that does not meet the payment conditions", the electronic device determines, based on the indication information, that the first optional payment method is a payment method that does not meet the payment conditions.

[0140] In step 207, the electronic device displays a payment interface, and based on the indication information of the target payment method, displays the optional payment methods corresponding to the target object on the payment interface, and displays the target payment method in a folded manner.

[0141] In an embodiment of the present application, the electronic device may display a payment interface, and the optional payment methods corresponding to the target object are displayed on the payment interface. Among them, the electronic device may fold the target payment method based on the indication information of the target payment method, that is, the other optional payment methods except the target payment method are displayed on the payment interface of the electronic device. For example, on the payment interface of the electronic device, the first optional payment method is folded, and the second optional payment method and the third optional payment method are displayed. As Figure 3 shown is a schematic diagram of the display of a payment interface provided by an embodiment of the present application. In the Figure 3 payment interface, the second optional payment method and the third optional payment method are displayed, and the first optional payment method is displayed in a folded manner. As Figure 3 shown in the left and right figures in are two methods of folded display. Figure 3The left figure in [description] shows that the first optional payment method is completely folded, and the first optional payment method is not displayed on the payment interface. Figure 3 The right figure in [description] shows that the first optional payment method is not completely folded. The target object can select the second optional payment method or the third optional payment method on this payment interface, click the payment button, and make a payment based on the selected optional payment method.

[0142] Since the success rate of the target payment method that does not meet the payment conditions may not be high, there may be a situation where the payment is not successful. To improve the payment success rate and save payment time, the target payment method that does not meet the payment conditions is displayed in a folded manner to reduce the exposure rate, thereby reducing the probability of the user selecting it. This enables the user to select a payment method that meets the payment conditions for payment, thereby improving the payment success rate.

[0143] In a possible implementation, if the target object wants to make a payment using the target payment method, the target object can click the fold button on this payment interface, that is, send an expansion instruction for the target payment method to the electronic device. The electronic device receives the expansion instruction for the target payment method and, according to this expansion instruction, expands the target payment method on this payment interface, that is, displays the target payment method on this payment interface. As Figure 4 shown is the expansion schematic diagram of the target payment method that does not meet the payment conditions provided by the embodiment of the present application. In this Figure 4 when the target user clicks the button in the shape of an inverted triangle on this payment interface, that is, sends an expansion instruction to the electronic device, and the electronic device receives this expansion instruction. Based on this expansion instruction, the first optional payment method that does not meet the payment conditions can be displayed on the payment interface. When the target object selects the first optional payment method, the target object can click the payment button and make a payment based on the first optional payment method.

[0144] The above method: The server determines the target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object according to the processing data of the target object carried in the payment request sent by the electronic device, and sends the indication information of the target payment method to the electronic device to inform the electronic device that the target payment method is a payment method that does not meet the payment conditions. The payment interface of the electronic device displays the target payment method that does not meet the payment conditions in a folded manner to reduce the exposure rate of the target payment method that does not meet the payment conditions, thereby improving the payment success rate of the target object and to a certain extent improving the payment usage experience of the target object.

[0145] Figure 5 Shown is the structural schematic diagram of a display device for a payment method provided by the embodiment of the present application. As Figure 5 shown, the device includes:

[0146] An obtaining module 501, configured to obtain a payment request, where the payment request carries processing data of a target object;

[0147] A first sending module 502, configured to send the payment request to a first receiving module;

[0148] A first receiving module 503, configured to receive the payment request sent by the first sending module, where the payment request carries processing data of a target object;

[0149] A determining module 504, configured to determine, based on the processing data of the target object, a target payment method that does not meet the payment condition among the optional payment methods corresponding to the target object;

[0150] A second sending module 505, configured to return indication information of the target payment method to the second receiving module;

[0151] A second receiving module 506, configured to receive the indication information of the target payment method returned by the second sending module based on the processing data of the target object, where the target payment method is a payment method that does not meet the payment condition among the optional payment methods corresponding to the target object;

[0152] A display module 507, configured to display a payment interface, and based on the indication information of the target payment method, display the optional payment methods corresponding to the target object on the payment interface, and display the target payment method in a folded manner.

[0153] In a possible implementation manner, the obtaining module 501 is configured to, for any optional payment method, obtain N pieces of processing data of payment failures of the any optional payment method, where N is an integer greater than or equal to 1;

[0154] The apparatus further includes:

[0155] A clustering module, configured to cluster the N pieces of processing data of payment failures to obtain at least one data clustering result;

[0156] The determining module 504 is further configured to determine whether there is a data clustering result that does not meet the payment condition in the at least one data clustering result;

[0157] The determining module 504 is further configured to, in response to there being a data clustering result that does not meet the payment condition in the any optional payment method, use the any optional payment method as a payment method that does not meet the payment condition;

[0158] The determining module 504 is configured to determine the target data clustering result to which the processed data of the target object belongs based on the data clustering result of the optional payment methods corresponding to the target object, and in response to the target data clustering result belonging to the data clustering result that does not meet the payment condition, use the payment method corresponding to the target data clustering result as the target payment method.

[0159] In a possible implementation, the clustering module is configured to determine K processed data as initial clustering centers from the N processed data of payment failures, obtaining K initial clustering centers, where K is an integer greater than or equal to 1 and less than N;

[0160] Calculate the Euclidean distances between the N processed data of payment failures and the K initial clustering centers;

[0161] Based on the Euclidean distances, cluster the N processed data of payment failures to obtain K clustering results, and update the K initial clustering centers according to the K clustering results to obtain K target clustering centers;

[0162] If the Euclidean distance between the K target clustering centers and the K initial clustering centers is less than the reference threshold, stop clustering and use the K clustering results as the data clustering results of any one of the optional payment methods;

[0163] If the Euclidean distance between the K target clustering centers and the K initial clustering centers is not less than the reference threshold, continue clustering until the Euclidean distance between the obtained K target clustering centers and the K initial clustering centers is less than the reference threshold, and use the obtained K clustering results as the data clustering results of any one of the optional payment methods.

[0164] In a possible implementation, the determining module 504 is configured to determine, from the at least one data clustering result, the data clustering result in which the number of processed data meets the first threshold;

[0165] Determine the data clustering result in which the number of the same processed data meets the second threshold among the data clustering results in which the number of processed data meets the first threshold as the data clustering result that does not meet the payment condition.

[0166] In a possible implementation, the clustering module is configured to update the K initial clustering centers according to the following formula based on the K clustering results to obtain K target clustering centers K′ i ,

[0167]

[0168] where N is the number of processed data of payment failures, C i is any one of the processed data in the i-th clustering result, and K iis the i-th initial clustering center.

[0169] In a possible implementation, the processing data of the target object includes at least one of payment time, location, operator used, model of the electronic device used, and payment system.

[0170] In a possible implementation, the display module 507 is configured to receive an expansion instruction of the target payment method, and expand and display the target payment method on the payment interface according to the expansion instruction.

[0171] In the above device, after determining the target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object based on the processing data of the target object carried in the payment request, the indication information of the target payment method is sent to the second receiving module. The display module displays the target payment method that does not meet the payment conditions in a folded manner, so as to reduce the exposure rate of the target payment method that does not meet the payment conditions, thereby improving the payment success rate and to a certain extent also improving the payment usage experience.

[0172] It should be noted that: when the display device of the payment method provided in the above embodiment displays the payment method, only the above division of each functional module is used for illustration. In actual application, the above functions can be allocated to different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. In addition, the display device of the payment method provided in the above embodiment and the embodiment of the payment method display method belong to the same concept, and the specific implementation process is detailed in the method embodiment, which will not be repeated here.

[0173] Figure 6 is a schematic structural diagram of an electronic device provided by an embodiment of the present application. The electronic device 600 may be: a smart phone, a tablet computer, an MP3 (Moving Picture Experts Group Audio Layer III) player, an MP4 (Moving Picture Experts Group Audio Layer IV) player, a notebook computer or a desktop computer. The electronic device 600 may also be referred to by other names such as user equipment, portable electronic device, laptop electronic device, desktop electronic device, etc.

[0174] Generally, the electronic device 600 includes: one or more processors 601 and one or more memories 602.

[0175] The processor 601 may include one or more processing cores, such as a quad-core processor, an octa-core processor, etc. The processor 601 may be implemented in at least one of the following hardware forms: DSP (Digital Signal Processing), FPGA (Field-Programmable Gate Array), and PLA (Programmable Logic Array). The processor 601 may also include a main processor and a co-processor. The main processor is used to process data in the wake state and is also called the CPU (Central Processing Unit); the co-processor is a low-power processor used to process data in the standby state. In some embodiments, the processor 601 may be integrated with a GPU (Graphics Processing Unit), and the GPU is responsible for rendering and drawing the content to be displayed on the display screen. In some embodiments, the processor 601 may further include an AI (Artificial Intelligence) processor, which is used to process computational operations related to machine learning.

[0176] The memory 602 may include one or more computer-readable storage media, and the computer-readable storage media may be non-transitory. The memory 602 may further include high-speed random access memory and non-volatile memory, such as one or more disk storage devices and flash storage devices. In some embodiments, the non-transitory computer-readable storage media in the memory 602 is used to store at least one program code, and the at least one program code is used to be executed by the processor 601 to implement the display method of the payment method provided in the method embodiments of the present application.

[0177] In some embodiments, the electronic device 600 may further optionally include: a peripheral device interface 603 and at least one peripheral device. The processor 601, the memory 602, and the peripheral device interface 603 may be connected through a bus or signal lines. Each peripheral device may be connected to the peripheral device interface 603 through a bus, signal lines, or a circuit board. Specifically, the peripheral devices include at least one of the following: a radio frequency circuit 604, a display screen 605, a camera assembly 606, an audio circuit 607, a positioning component 608, and a power supply 609.

[0178] The peripheral device interface 603 can be used to connect at least one I / O (Input / Output) related peripheral device to the processor 601 and the memory 602. In some embodiments, the processor 601, the memory 602, and the peripheral device interface 603 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 601, the memory 602, and the peripheral device interface 603 can be implemented on a separate chip or circuit board, and this embodiment does not limit this.

[0179] The radio frequency circuit 604 is used to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuit 604 communicates with a communication network and other communication devices through electromagnetic signals. The radio frequency circuit 604 converts an electrical signal into an electromagnetic signal for transmission, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuit 604 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so on. The radio frequency circuit 604 can communicate with other electronic devices through at least one wireless communication protocol. The wireless communication protocol includes but is not limited to: metropolitan area network, each generation of mobile communication network (2G, 3G, 4G, and 5G), wireless local area network, and / or WiFi (Wireless Fidelity) network. In some embodiments, the radio frequency circuit 604 may further include a circuit related to NFC (Near Field Communication), and this application does not limit this.

[0180] The display screen 605 is used to display the UI (User Interface). The UI may include graphics, text, icons, videos, and any combination thereof. When the display screen 605 is a touch display screen, the display screen 605 also has the ability to collect touch signals on or above the surface of the display screen 605. The touch signals can be input as control signals to the processor 601 for processing. At this time, the display screen 605 can also be used to provide virtual buttons and / or virtual keyboards, also known as soft buttons and / or soft keyboards. In some embodiments, there can be one display screen 605, which is arranged on the front panel of the electronic device 600; in other embodiments, there can be at least two display screens 605, which are respectively arranged on different surfaces of the electronic device 600 or are in a foldable design; in still other embodiments, the display screen 605 can be a flexible display screen, which is arranged on the curved surface or the folding surface of the electronic device 600. Even further, the display screen 605 can be set to an irregular non-rectangular shape, that is, an irregular-shaped screen. The display screen 605 can be prepared using materials such as LCD (Liquid Crystal Display) and OLED (Organic Light-Emitting Diode).

[0181] The camera module 606 is used to collect images or videos. Optionally, the camera module 606 includes a front camera and a rear camera. Generally, the front camera is arranged on the front panel of the electronic device, and the rear camera is arranged on the back of the electronic device. In some embodiments, there are at least two rear cameras, which are respectively any one of a main camera, a depth-of-field camera, a wide-angle camera, and a telephoto camera, to achieve functions such as the combination of the main camera and the depth-of-field camera to achieve the background blur function, the combination of the main camera and the wide-angle camera to achieve panoramic shooting and VR (Virtual Reality) shooting functions, or other combined shooting functions. In some embodiments, the camera module 606 can also include a flash. The flash can be a single-color-temperature flash or a dual-color-temperature flash. A dual-color-temperature flash refers to the combination of a warm-light flash and a cold-light flash, which can be used for light compensation under different color temperatures.

[0182] The audio circuit 607 may include a microphone and a speaker. The microphone is used to collect sound waves of the user and the environment, and convert the sound waves into electrical signals for input to the processor 601 for processing, or input to the radio frequency circuit 604 to enable voice communication. For the purpose of stereo collection or noise reduction, there may be multiple microphones, which are respectively arranged at different parts of the electronic device 600. The microphone may also be an array microphone or an omnidirectional collection microphone. The speaker is used to convert the electrical signal from the processor 601 or the radio frequency circuit 604 into sound waves. The speaker may be a traditional thin film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, it can not only convert the electrical signal into sound waves audible to humans, but also convert the electrical signal into sound waves inaudible to humans for uses such as ranging. In some embodiments, the audio circuit 607 may further include a headphone jack.

[0183] The positioning component 608 is used to locate the current geographical location of the electronic device 600 to achieve navigation or LBS (Location Based Service). The positioning component 608 may be a positioning component based on the GPS (Global Positioning System) of the United States, the Beidou system of China, the GLONASS system of Russia, or the Galileo system of the European Union.

[0184] The power supply 609 is used to supply power to each component in the electronic device 600. The power supply 609 may be alternating current, direct current, a disposable battery, or a rechargeable battery. When the power supply 609 includes a rechargeable battery, the rechargeable battery may support wired charging or wireless charging. The rechargeable battery may also be used to support fast charging technology.

[0185] In some embodiments, the electronic device 600 further includes one or more sensors 610. The one or more sensors 610 include but are not limited to: an acceleration sensor 611, a gyroscope sensor 612, a pressure sensor 613, a fingerprint sensor 614, an optical sensor 615, and a proximity sensor 616.

[0186] The acceleration sensor 611 can detect the magnitudes of accelerations on the three coordinate axes of the coordinate system established with the electronic device 600. For example, the acceleration sensor 611 can be used to detect the components of the gravitational acceleration on the three coordinate axes. The processor 601 can control the display screen 605 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 611. The acceleration sensor 611 can also be used for collecting game or user's motion data.

[0187] The gyroscope sensor 612 can detect the body orientation and rotation angle of the electronic device 600. The gyroscope sensor 612 can cooperate with the acceleration sensor 611 to collect the 3D actions of the user on the electronic device 600. Based on the data collected by the gyroscope sensor 612, the processor 601 can implement the following functions: motion sensing (such as changing the UI according to the user's tilting operation), image stabilization during shooting, game control, and inertial navigation.

[0188] The pressure sensor 613 can be disposed on the side frame of the electronic device 600 and / or the lower layer of the display screen 605. When the pressure sensor 613 is disposed on the side frame of the electronic device 600, it can detect the holding signal of the user on the electronic device 600, and the processor 601 can perform left / right hand recognition or quick operation according to the holding signal collected by the pressure sensor 613. When the pressure sensor 613 is disposed on the lower layer of the display screen 605, the processor 601 can control the operable controls on the UI interface according to the pressure operation of the user on the display screen 605. The operable controls include at least one of button controls, scroll bar controls, icon controls, and menu controls.

[0189] The fingerprint sensor 614 is used to collect the fingerprint of the user. The processor 601 can identify the user's identity according to the fingerprint collected by the fingerprint sensor 614, or the fingerprint sensor 614 can identify the user's identity according to the collected fingerprint. When the identity of the user is identified as a trusted identity, the processor 601 authorizes the user to perform relevant sensitive operations, and the sensitive operations include unlocking the screen, viewing encrypted information, downloading software, making payments, and changing settings, etc. The fingerprint sensor 614 can be disposed on the front, back, or side of the electronic device 600. When there are physical buttons or manufacturer logos on the electronic device 600, the fingerprint sensor 614 can be integrated with the physical buttons or manufacturer logos.

[0190] The optical sensor 615 is used to collect the ambient light intensity. In one embodiment, the processor 601 can control the display brightness of the display screen 605 according to the ambient light intensity collected by the optical sensor 615. Specifically, when the ambient light intensity is high, the display brightness of the display screen 605 is increased; when the ambient light intensity is low, the display brightness of the display screen 605 is decreased. In another embodiment, the processor 601 can also dynamically adjust the shooting parameters of the camera module 606 according to the ambient light intensity collected by the optical sensor 615.

[0191] A proximity sensor 616, also known as a distance sensor, is typically disposed on the front panel of the electronic device 600. The proximity sensor 616 is used to collect the distance between the user and the front of the electronic device 600. In one embodiment, when the proximity sensor 616 detects that the distance between the user and the front of the electronic device 600 is gradually decreasing, the processor 601 controls the display screen 605 to switch from the lit state to the off state; when the proximity sensor 616 detects that the distance between the user and the front of the electronic device 600 is gradually increasing, the processor 601 controls the display screen 605 to switch from the off state to the lit state.

[0192] Those skilled in the art can understand that Figure 6 the structure shown in does not constitute a limitation on the electronic device 600, and it may include more or fewer components than shown in the figure, or combine certain components, or adopt a different component arrangement.

[0193] Figure 7 is a schematic structural diagram of a server provided by an embodiment of the present application. The server 700 may vary greatly due to different configurations or performances, and may include one or more processors (Central Processing Units, CPUs) 701 and one or more memories 702. Among them, at least one program instruction is stored in the one or more memories 702, and the at least one program instruction is loaded and executed by the one or more processors 701 to implement the display method of the payment method provided in each of the above method embodiments. Of course, the server 700 may also have components such as a wired or wireless network interface, a keyboard, and an input / output interface for input / output. The server 700 may also include other components for implementing the functions of the device, which will not be elaborated here.

[0194] In an exemplary embodiment, a computer-readable storage medium is also provided. At least one program instruction is stored in the storage medium, and the at least one program instruction is loaded and executed by a processor to implement the display method of any one of the above payment methods.

[0195] Optionally, the above computer-readable storage medium may be a read-only memory (ROM), a random access memory (RAM), a compact disc read-only memory (CD-ROM), a magnetic tape, a floppy disk, and an optical data storage device, etc.

[0196] It should be understood that the "plurality" mentioned herein refers to two or more. "And / or" describes the association relationship of associated objects and indicates that three relationships may exist. For example, A and / or B may represent three situations: A exists alone, A and B exist simultaneously, and B exists alone. The character " / " generally represents an "or" relationship between the associated objects before and after.

[0197] The serial numbers of the embodiments of the present application above are only for description and do not represent the superiority or inferiority of the embodiments.

[0198] The above are only exemplary embodiments of the present application and are not intended to limit the present application. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A display method for a payment method, characterized in that, The method includes: At an electronic device, the electronic device obtains a payment request, and the payment request carries processing data of a target object; The electronic device sends the payment request to a server; At the server, the server receives the payment request sent by the electronic device, and the payment request carries processing data of a target object; The server determines, based on the processing data of the target object, a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object; The server returns indication information of the target payment method to the electronic device; At the electronic device, the electronic device receives the indication information of the target payment method returned by the server based on the processing data of the target object, and the target payment method is a payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object; The electronic device displays a payment interface, and based on the indication information of the target payment method, displays the optional payment methods corresponding to the target object on the payment interface, and displays the target payment method in a folded manner; Before determining, based on the processing data of the target object, a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object, the method further includes: For any optional payment method, obtain N pieces of processing data of payment failures of the any optional payment method, where N is an integer greater than or equal to 1; Cluster the N pieces of processing data of payment failures to obtain at least one data clustering result, and determine whether there is a data clustering result that does not meet the payment conditions in the at least one data clustering result; In response to there being a data clustering result that does not meet the payment conditions in the any optional payment method, use the any optional payment method as a payment method that does not meet the payment conditions; Determining, based on the processing data of the target object, a target payment method that does not meet the payment conditions among the optional payment methods corresponding to the target object includes: Based on the data clustering result of the optional payment method corresponding to the target object, determine the target data clustering result to which the processing data of the target object belongs, and in response to the target data clustering result belonging to the data clustering result that does not meet the payment conditions, use the payment method corresponding to the target data clustering result as the target payment method.

2. The method according to claim 1, characterized in that, Clustering the N pieces of processing data of payment failures to obtain at least one data clustering result includes: Determine K pieces of processing data as initial clustering centers among the N pieces of processing data of payment failures to obtain K initial clustering centers, where K is an integer greater than or equal to 1 and less than N; Calculate the Euclidean distances between the N pieces of processing data of payment failures and the K initial clustering centers; Based on the Euclidean distances, cluster the N pieces of processing data of payment failures to obtain K clustering results, and update the K initial clustering centers according to the K clustering results to obtain K target clustering centers; If the Euclidean distance between the K target cluster centers and the K initial cluster centers is less than the reference threshold, stop clustering and use the K clustering results as the data clustering results of any one of the optional payment methods; If the Euclidean distance between the K target cluster centers and the K initial cluster centers is not less than the reference threshold, continue clustering until the Euclidean distance between the obtained K target cluster centers and the K initial cluster centers is less than the reference threshold, and use the obtained K clustering results as the data clustering results of any one of the optional payment methods.

3. The method according to claim 1, wherein Determining whether there is a data clustering result that does not meet the payment condition among the at least one data clustering result includes: Among the at least one data clustering result, determining a data clustering result in which the number of processed data meets the first threshold; Among the data clustering results in which the number of processed data meets the first threshold, determining a data clustering result in which the number of the same processed data meets the second threshold as a data clustering result that does not meet the payment condition.

4. The method according to claim 2, wherein Updating the K initial cluster centers according to the K clustering results to obtain K target cluster centers includes: According to the K clustering results, update the K initial clustering centers according to the following formula to obtain K target clustering centers K i ′ , where N is the number of processing data with payment failures, and C i is any one of the processing data in the i-th clustering result, and K i is the i-th initial clustering center.

5. The method according to any one of claims 1-4, characterized in that The processed data of the target object includes at least one of payment time, location, operator used, model of the electronic device used, and payment system.

6. The method according to claim 1, characterized in that, Displaying the optional payment methods corresponding to the target object on the payment interface and displaying the target payment method in a folded manner includes: Receiving an expansion instruction for the target payment method and expanding and displaying the target payment method on the payment interface according to the expansion instruction.

7. A display system for a payment method, characterized in that, The system includes an electronic device and a server. Both the electronic device and the server include a memory, a processor, and a computer program stored on the memory and executable on the processor. When each processor executes the stored computer program, the method described in any one of claims 1 to 6 above is implemented.

8. A computer-readable storage medium, characterized in that, At least one program instruction is stored in the computer-readable storage medium. When the at least one program instruction is loaded and executed by the processor, the display method of the payment method described in any one of claims 1 to 6 is implemented.

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