Small amount password-free payment method and device

Abstract

The disclosed embodiment provides a payment method and device based on small-amount password-free payment, including: parsing a payment request initiated by a user, obtaining the transaction amount carried in the payment request, and obtaining the small-amount password-free limit amount corresponding to the user. The small-amount password-free limit amount is determined based on the user's selection operation for any limit range among multiple limit ranges pushed, and the multiple limit ranges are determined based on the user's expected consumption information, consumption feature adjustment information, consumption risk factors, and consumption dispersion. The expected consumption information, consumption feature adjustment information, and consumption dispersion are determined based on the user's historical consumption information. The consumption risk factor is determined based on the historical consumption information and the attribute information of the user's payment card. If the transaction amount is less than or equal to the small-amount password-free limit amount, the small-amount password-free payment technical solution is executed, which improves the payment efficiency and increases the flexibility and diversity of the payment.

Description

Technical Field

[0001] The disclosed embodiments relate to the field of Internet technology, and more particularly to a small-amount password-free payment method and device. Background Art

[0002] Small amount without password refers to the convenient payment service provided by UnionPay, which allows payment to be completed without a password or signature when using the card for consumption.

[0003] In the prior art, the limit for small-amount payments without password is fixed. For example, the user sets the limit for small-amount payments without password in advance through the user device, and the limit for small-amount payments without password is usually relatively small. Once the payment amount exceeds the limit for small-amount payments without password, the user is required to enter a password. When making a payment, the payment system obtains the limit for small-amount payments without password set by the user. If the amount to be paid is less than the limit for small-amount payments without password, a direct small-amount payment operation without password is performed.

[0004] When the above method is used to perform payment operations, the payment operations are easily affected by the fixed small-amount no-password limit, resulting in technical problems such as a cumbersome payment process and low efficiency. Summary of the Invention

[0005] The embodiments of the present disclosure provide a small-amount password-free payment method and device to solve the problem of low payment efficiency.

[0006] In a first aspect, an embodiment of the present disclosure provides a small-amount password-free payment method, comprising:

[0007] In response to a payment request initiated by a user, parsing the payment request to obtain the transaction amount carried in the payment request;

[0008] Obtaining a small-amount, no-password-required payment limit corresponding to the user, wherein the small-amount, no-password-required payment limit is determined based on the user selecting any one of multiple limit ranges pushed to them, and the multiple limit ranges are determined based on the user's expected consumption information, consumption characteristic adjustment information, consumption risk factor, and consumption dispersion, wherein the expected consumption information, consumption characteristic adjustment information, and consumption dispersion are determined based on the user's historical consumption information, and the consumption risk factor is determined based on the historical consumption information and attribute information of the user's payment card;

[0009] If the transaction amount is less than or equal to the limit for small-amount password-free payment, small-amount password-free payment will be executed.

[0010] In some embodiments, the method further comprises:

[0011] Obtaining historical consumption information of the user and attribute information of the user's payment card, wherein the historical consumption information represents the consumption record of the user within a preset historical period;

[0012] Determining the consumption dispersion degree and the consumption characteristic adjustment information based on the historical consumption information, and determining the expected consumption information based on the consumption dispersion degree and the consumption records in the historical period;

[0013] determining the risk factor based on the historical consumption information and the attribute information of the payment card;

[0014] An expected limit is obtained based on the expected consumption information, the consumption characteristic adjustment information, and the risk factor prediction, and a plurality of limit intervals are generated based on the expected limit and the degree of consumption dispersion.

[0015] In some embodiments, the historical consumption information represents the consumption record of the user within a preset historical period; and determining the consumption dispersion degree based on the historical consumption information includes:

[0016] Determining the average consumption information of the user in the historical period based on the consumption records in the historical period, and determining the consumption dispersion of each consumption of the user in the historical period based on the average consumption information and the consumption records in the historical period;

[0017] And, determining the expected consumption information according to the consumption dispersion degree and the consumption records in the historical period includes:

[0018] The expected consumption information is determined according to the average consumption information and the consumption dispersion degree.

[0019] In some embodiments, after obtaining the historical consumption information of the user, the method further includes:

[0020] Determining the user's consumption amount based on the consumption records within the historical period, and determining a consumption amount interval corresponding to the user's consumption amount and a consumption level corresponding to the user's consumption amount interval based on a preset mapping relationship, wherein the mapping relationship is used to represent the consumption amount range of the consumption amount interval and the correspondence between the consumption amount interval and the consumption level;

[0021] If the user's consumption level does not reach the maximum consumption level, determining the user's consumption level expectation based on the user's consumption amount and each consumption amount range;

[0022] And, determining the expected consumption information according to the average consumption information and the consumption dispersion degree includes:

[0023] The expected consumption information is determined according to the average consumption information, the consumption dispersion, and the consumption level expectation.

[0024] In some embodiments, determining the consumption characteristic adjustment information based on the historical consumption information includes:

[0025] Obtaining from the consumption records within the historical period the date with the highest single-day consumption of the user, the date with the lowest single-day consumption, the date with the largest number of single-day consumption records, and the date with the smallest number of single-day consumption records;

[0026] Calculate the average value of each consumption corresponding to the date with the highest single-day consumption, the date with the lowest single-day consumption, the date with the most single-day consumption records, and the date with the least single-day consumption records, and determine the consumption characteristic adjustment information based on the corresponding average value of each consumption.

[0027] In some embodiments, the consumption records within the historical period include the number of failed transactions of the user, the number of payments made by the user, and the total time the user was blacklisted within the historical period; the attribute information of the payment card includes the application time, validity period, and credit information of the payment card; and determining the risk factor based on the historical consumption information and the attribute information of the payment card includes:

[0028] The risk factor is determined based on the number of failed transactions of the user, the number of payments made by the user, the total time the user is blacklisted, the application time and validity period of the payment card, and the credit information.

[0029] In a second aspect, an embodiment of the present disclosure provides a small-amount password-free payment device, comprising:

[0030] a parsing unit, configured to, in response to a payment request initiated by a user, parse the payment request to obtain a transaction amount carried in the payment request;

[0031] a first acquiring unit, configured to acquire a small-amount, no-password-required payment limit corresponding to the user, wherein the small-amount, no-password-required payment limit is determined based on a selection by the user of any one of a plurality of push limit intervals, and the plurality of limit intervals are determined based on the user's expected consumption information, consumption characteristic adjustment information, a consumption risk factor, and a degree of consumption dispersion, wherein the expected consumption information, the consumption characteristic adjustment information, and the degree of consumption dispersion are determined based on the user's historical consumption information, and the consumption risk factor is determined based on the historical consumption information and attribute information of the user's payment card;

[0032] The payment unit is used to execute small-amount password-free payment if the transaction amount is less than or equal to the limit amount of small-amount password-free payment.

[0033] In some embodiments, the apparatus further comprises:

[0034] a second acquiring unit, configured to acquire historical consumption information of the user and attribute information of the payment card of the user, wherein the historical consumption information represents the consumption record of the user within a preset historical period;

[0035] a first determining unit, configured to determine the consumption dispersion degree and the consumption characteristic adjustment information according to the historical consumption information;

[0036] a second determining unit, configured to determine the expected consumption information according to the consumption dispersion degree and the consumption records in the historical period;

[0037] a third determining unit, configured to determine the risk factor based on the historical consumption information and the attribute information of the payment card;

[0038] A prediction unit, configured to predict and obtain an expected limit based on the expected consumption information, the consumption characteristic adjustment information, and the risk factor;

[0039] A generating unit is used to generate a plurality of limit intervals according to the expected limit and the consumption dispersion degree.

[0040] In some embodiments, the historical consumption information represents the consumption record of the user within a preset historical period; the first determining unit includes:

[0041] A first determining subunit, configured to determine average consumption information of the user in the historical period based on the consumption records in the historical period;

[0042] A second determining subunit is configured to determine the degree of consumption dispersion of each consumption of the user in the historical period based on the average consumption information and the consumption records in the historical period;

[0043] The third determining subunit is configured to determine the expected consumption information according to the average consumption information and the consumption dispersion degree.

[0044] In some embodiments, the apparatus further comprises:

[0045] a fourth determining unit, configured to determine the consumption amount of the user based on the consumption records within the historical period, and determine a consumption amount interval corresponding to the consumption amount of the user and a consumption level corresponding to the consumption amount interval of the user based on a preset mapping relationship, wherein the mapping relationship is used to represent the consumption amount range of the consumption amount interval and the correspondence between the consumption amount interval and the consumption level;

[0046] a fifth determining unit, configured to determine the user's expected consumption level according to the user's consumption amount and each consumption amount range if the user's consumption level has not reached the maximum consumption level;

[0047] Furthermore, the second determining unit is configured to determine the expected consumption information according to the average consumption information, the consumption dispersion, and the consumption level expectation.

[0048] In some embodiments, the first determining unit includes:

[0049] an acquisition subunit, configured to acquire, from the consumption records within the historical period, the date with the highest single-day consumption, the date with the lowest single-day consumption, the date with the largest number of single-day consumption records, and the date with the smallest number of single-day consumption records of the user within the historical period;

[0050] a calculation subunit, configured to calculate the average of each consumption value corresponding to each of the date with the highest single-day consumption, the date with the lowest single-day consumption, the date with the largest number of single-day consumption records, and the date with the smallest number of single-day consumption records;

[0051] The fourth determining subunit is used to determine the consumption characteristic adjustment information according to the corresponding average value of each consumption.

[0052] In some embodiments, the consumption records within the historical period include the number of failed transactions of the user, the number of payments made by the user, and the total length of time the user has been blacklisted within the historical period; the attribute information of the payment card includes the application time, validity period, and credit information of the payment card; the third determination unit is used to determine the risk factor based on the number of failed transactions of the user, the number of payments made by the user, the total length of time the user has been blacklisted, the application time, validity period, and credit information of the payment card.

[0053] In a third aspect, an embodiment of the present disclosure provides an electronic device, including: a memory, a processor;

[0054] Memory; a memory for storing instructions executable by the processor;

[0055] The processor is configured to execute the method as described in the first aspect.

[0056] In a fourth aspect, an embodiment of the present disclosure provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the method described in the first aspect.

[0057] In a fifth aspect, an embodiment of the present disclosure provides a computer program product, comprising a computer program, which implements the method described in the first aspect when executed by a processor.

[0058] The embodiments of the present disclosure provide a small-amount, password-free payment method and device. In response to a payment request initiated by a user, the method and device parse the payment request to obtain the transaction amount carried in the payment request and the small-amount, password-free payment limit corresponding to the user. The small-amount, password-free payment limit is determined based on the user's selection of any one of multiple limit intervals pushed, and the multiple limit intervals are determined based on the user's expected consumption information, consumption characteristic adjustment information, consumption risk factors, and consumption dispersion. The expected consumption information, consumption characteristic adjustment information, and consumption dispersion are determined based on the user's historical consumption information. The consumption risk factor is determined based on the historical consumption information and the attribute information of the user's payment card. If the transaction amount is less than or equal to the small-amount, password-free payment limit, the small-amount, password-free payment technical solution is executed. This avoids the problems of a cumbersome payment process caused by fixed limit amounts in related technologies, improves payment efficiency, and increases payment flexibility and diversity, achieving the greatest possible satisfaction of the consumption diversity of different users, thereby achieving the technical effect of improving the user's payment experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0059] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and, together with the description, serve to explain the principles of the present disclosure.

[0060] Figure 1 Schematic diagram of a small-amount password-free payment method according to one embodiment of the present disclosure;

[0061] Figure 2 Schematic diagram of an application scenario of a small-amount password-free payment method according to an embodiment of the present disclosure;

[0062] Figure 3 Schematic diagram of a small-amount password-free payment method according to another embodiment of the present disclosure;

[0063] Figure 4 Schematic diagram of a small-amount password-free payment device according to one embodiment of the present disclosure;

[0064] Figure 5Schematic diagram of a small-amount password-free payment device according to another embodiment of the present disclosure;

[0065] Figure 6 The present invention is a block diagram of an electronic device based on a small-amount password-free payment method according to an embodiment of the present disclosure.

[0066] The above drawings illustrate specific embodiments of the present disclosure, which will be described in more detail below. These drawings and textual descriptions are not intended to limit the scope of the present disclosure in any way, but rather to illustrate the concepts of the present disclosure to those skilled in the art by reference to specific embodiments. DETAILED DESCRIPTION

[0067] Exemplary embodiments will be described in detail herein, with examples illustrated in the accompanying drawings. In the following description, when referring to the drawings, identical numerals in different figures represent identical or similar elements, unless otherwise indicated. The embodiments described in the following exemplary embodiments are not intended to represent all possible embodiments consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims.

[0068] With the development of Internet technology, online consumption has become popular among people. Correspondingly, mobile payment has also been widely popularized. Since small-amount payments without passwords can be completed without a password or signature, it can facilitate quick payment to a certain extent. Therefore, small-amount payments without passwords have gradually been accepted by people as a convenient payment method.

[0069] Among them, mobile payment refers to the use of mobile clients to make electronic currency payments using mobile phones and other electronic products. Mobile payment effectively combines the Internet, terminal equipment, and financial institutions to form a new payment system.

[0070] For example, user devices (such as mobile phones, laptops, desktop computers and other electronic devices) can provide controls for turning on or off small-amount password-free transactions. Users can use these controls to choose to turn on or off the small-amount password-free transaction function.

[0071] If the user chooses to enable the small-amount password-free payment function through this control, when the user initiates a payment request to the payment system (or payment platform) through a user device (such as a mobile phone, laptop, desktop computer, or other electronic device), the payment system can obtain the small-amount password-free payment limit so that when the payment amount corresponding to the payment request is less than the limit, the small-amount password-free payment operation can be performed, that is, the payment can be completed without a password or signature.

[0072] However, in the related art, the limit amount is a fixed value and is usually set to a relatively small amount to ensure the security of payment.

[0073] However, different users have different consumption habits and behaviors. Fixed limit amounts cannot meet users' personalized needs, affecting their payment experience. Fixed limit amounts may also cause users' consumption behaviors to be delayed or fail, indirectly reducing the efficiency and success rate of payments.

[0074] In order to avoid at least one of the above-mentioned technical problems, the inventors of the present disclosure, through creative work, obtained the inventive concept of the present disclosure: determining multiple limit ranges based on the user's historical consumption information and the attribute information of the user's payment card, determining the user's small-amount password-free limit based on the user's selection operation of the multiple limit ranges, and executing the small-amount password-free payment based on the payment request and the small-amount password-free limit when the user initiates a payment request.

[0075] The following detailed description of the technical solution of the present disclosure and how the technical solution of the present disclosure solves the above-mentioned technical problems is provided with specific embodiments. The following specific embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. The embodiments of the present disclosure will be described below in conjunction with the accompanying drawings.

[0076] According to one aspect of an embodiment of the present disclosure, an embodiment of the present disclosure provides a small amount of password-free payment method.

[0077] See also Figure 1 , Figure 1 A schematic diagram of a small-amount password-free payment method according to an embodiment of the present disclosure.

[0078] like Figure 1 As shown, the method includes:

[0079] S101: In response to a payment request initiated by a user, the payment request is parsed to obtain the transaction amount carried in the payment request.

[0080] Exemplarily, the executor of this embodiment is a small-amount password-free payment device (hereinafter referred to as the payment device), and the payment device can be a terminal device, a user device, a processor, a chip, etc., which is not limited in this embodiment.

[0081] For example, Figure 2 Schematic diagram of an application scenario of a small amount password-free payment method according to an embodiment of the present disclosure, such as Figure 2 As shown:

[0082] User 201 can use user device 202 (such as Figure 2 The user device 202 outputs the following Figure 2If the user 201 clicks the virtual button “Confirm Payment”, the user device 202 generates a payment request with the transaction amount of “XX Yuan” and transmits the payment request to the payment system 203 (eg, the payment device in this embodiment).

[0083] It should be understood that Figure 2 It is only used to exemplify the application scenarios to which the small-amount password-free payment method according to the embodiment of the present disclosure may be applicable, and should not be understood as a limitation on the application scenarios of the embodiment of the present disclosure.

[0084] For example, combined with the above analysis, it can be seen that the user equipment is not only Figure 2 The mobile phone shown in the figure may also be other electronic devices, such as a laptop computer.

[0085] S102: Obtain the small amount limit corresponding to the user.

[0086] Among them, the limit amount for small-amount transactions without password is determined based on the user's selection operation for any of the multiple limit ranges pushed, and the multiple limit ranges are determined based on the user's expected consumption information, consumption characteristic adjustment information, consumption risk factors, and consumption dispersion. The expected consumption information, consumption characteristic adjustment information, and consumption dispersion are determined based on the user's historical consumption information, and the consumption risk factor is determined based on the historical consumption information and the attribute information of the user's payment card.

[0087] The payment card may be a physical card or a virtual card stored in a user device that simulates a physical card, which is not limited in this embodiment.

[0088] For example, the payment device can obtain information related to the user's past consumption (i.e., historical consumption information), such as the amount of consumption and the number of consumptions, and can obtain relevant information about the user's payment card (i.e., attribute information of the payment card), such as the application time and usage duration of the payment card.

[0089] Expected consumption information refers to a user's likely consumption patterns, such as the amount and frequency of consumption. Consumption adjustment information refers to information used to compensate for a user's relatively unusual consumption patterns, as determined by the user's relatively normal consumption patterns. Consumption risk factors refer to the possibility that a user's reputation may lead to dishonest consumption behavior. Consumption dispersion refers to the fluctuations in a user's historical consumption patterns.

[0090] S103: If the transaction amount is less than or equal to the limit for small-amount password-free payment, the small-amount password-free payment is executed.

[0091] Exemplarily, the transaction device compares the transaction amount with the limit amount of small-amount payment without password to determine the difference between the transaction amount and the limit amount of small-amount payment without password. If the transaction amount is less than the limit amount of small-amount payment without password, the transaction device executes the small-amount payment without password, that is, the payment is completed without the user signing or providing a password; conversely, if the transaction amount is greater than the limit amount of small-amount payment without password, the payment can be completed by the user signing or entering a password.

[0092] Based on the above analysis, it can be seen that the embodiment of the present disclosure provides a payment method based on small-amount password-free payment, which includes: responding to a payment request initiated by a user, parsing the payment request, obtaining the transaction amount carried in the payment request, and obtaining the small-amount password-free limit amount corresponding to the user, wherein the small-amount password-free limit amount is determined based on the user's selection operation for any limit range among multiple limit ranges pushed, and the multiple limit ranges are determined based on the user's expected consumption information, consumption feature adjustment information, consumption risk factor, and consumption dispersion degree, the expected consumption information, consumption feature adjustment information, and consumption dispersion degree are determined based on the user's historical consumption information, and the consumption risk factor is determined based on the historical consumption information and It is determined by the attribute information of the user's payment card. If the transaction amount is less than or equal to the limit amount for small-amount payment without password, the small-amount payment without password is executed. In this embodiment, the following methods are introduced: multiple limit intervals are determined based on historical consumption information and the attribute information of the payment card, and the limit amount for small-amount payment without password is determined from multiple limit intervals based on the user's selection operation. So that when making payment, the technical feature of executing payment is combined with the limit amount for small-amount payment without password determined based on multiple limit intervals. This avoids the problems of cumbersome payment process caused by fixed limit amounts in related technologies, improves payment efficiency, and improves payment flexibility and diversity, and realizes the diversification of consumption that meets the needs of different users as much as possible, thereby achieving the technical effect of improving the user's payment experience.

[0093] See also Figure 3 , Figure 3 A schematic diagram of a small-amount password-free payment method according to another embodiment of the present disclosure.

[0094] like Figure 3 As shown, the method includes:

[0095] S301: In response to a payment request initiated by a user, the payment request is parsed to obtain the transaction amount carried in the payment request.

[0096] It should be understood that regarding the technical features of this embodiment that are the same as those of the above embodiments, this embodiment will not be repeated.

[0097] S302: Obtain the user's historical consumption information and the attribute information of the user's payment card.

[0098] Among them, historical consumption information represents the user's consumption records within a preset historical period, such as the user's consumption records in the previous month, or the consumption records in a quarter, etc. The specific length of the historical period can be determined based on demand, historical records, and experiments, and this embodiment does not limit it.

[0099] For example, historical consumption records include the number of failed transactions, the number of payments, and the total duration of blacklisting, etc., which are not listed here. Payment card attribute information includes the application time, validity period, and credit information, etc., which are not listed here.

[0100] S303 determines whether the user is a dishonest person, if so, execute S304, if not, execute S306.

[0101] In some embodiments, the attribute information of the payment card may include the basic information table of the payment card. The basic information table includes the user's credit identification, which is used to determine whether the user is a person of bad faith. Generally speaking, a blacklist including people of bad faith can be set up. If a user is a user in the blacklist, it means that the user is a person of bad faith.

[0102] The credit indicator can be determined based on historical consumption information, and whether a user is a dishonest person can be determined through a preset field in the basic information table. For example, if the preset field is 1 for a user, that is, the user's credit indicator is 1, then the credit indicator is active and the user is a dishonest person; conversely, if the preset field is 0, that is, the user's credit indicator is 0, then the user is not a dishonest person.

[0103] It should be understood that the above embodiments are merely exemplary descriptions of the preset fields and reputation identifiers and should not be construed as limiting the preset fields and reputation identifiers. For example, the preset fields and reputation identifiers may also be represented by other numbers.

[0104] S304: Output an input interface for obtaining a payment password or user signature.

[0105] S305: Based on the user's input operation on the input interface, obtain the payment password or user signature, and perform payment according to the payment password or user signature.

[0106] That is to say, in this embodiment, if the user is a person of bad faith, the small amount password-free service will not be provided to the user. Instead, an input interface will be provided for the user to enter the payment password or user signature on the input interface to realize the payment of the transaction amount.

[0107] S306: Determine whether the user is an active consumer. If not, execute S307; if so, execute S308.

[0108] Among them, active consumers refer to users whose consumption times in a historical period are greater than or equal to the preset threshold (i.e. the minimum standard number).

[0109] This step can be understood as: determining the number of consumptions of the user and comparing the number of consumptions with the number threshold. If the number of consumptions is greater than or equal to the number threshold, executing S308; if the number of consumptions is less than the number threshold, executing S307.

[0110] In some embodiments, the number of consumption times can be determined based on historical consumption information. For example, historical consumption information is the consumption information of the previous month (i.e., the historical period), and the message information can be obtained through the consumption flow details table. Indicates that the total number of consumption times in the previous month can be determined based on the consumption flow table , if the number threshold is ,and < , then the user is an inactive consumer; otherwise, if ≥ , the user is an active consumer.

[0111] S307: The limit for small-amount transactions without password is determined as the preset minimum limit for small-amount transactions without password. .

[0112] That is to say, the payment device can pre-set the minimum small amount without password limit based on demand, historical records, experiments, and interactions with users, so that when the user is an inactive consumer, that is, the user's consumption frequency is relatively small, the small amount without password limit can be determined as the preset minimum small amount without password limit. .

[0113] In some embodiments, if the user is an inactive consumer, the payment device may set the user's small-amount password-free service to be off. That is, when the user activates the small-amount password-free service through the user device, the corresponding small-amount password-free service is executed, and the user is assumed not to use the small-amount password-free service by default.

[0114] S308: Obtain the user's consumption level, and determine the user's consumption level expectation based on the consumption level.

[0115] In some embodiments, the user's consumption amount can be determined based on consumption records within a historical period, and the corresponding consumption amount interval and the corresponding consumption level of the user's consumption amount interval can be determined based on a preset mapping relationship. The mapping relationship is used to represent the consumption amount range of the consumption amount interval and the corresponding relationship between the consumption amount interval and the consumption level.

[0116] For example, the mapping relationship may also be determined based on consumption records within a historical period, such as the mapping relationship may be represented in a table form.

[0117] For example, since different users have different spending habits, different consumer groups can be distinguished by consumption level. Specifically, different users can be differentiated based on their consumption levels. Specifically, the amount of each consumption can be divided into multiple consumption levels. Different consumption levels have different consumption amount ranges. The user's consumption level can be assessed by taking the percentage of each consumption amount within each of these multiple consumption amount ranges over a historical period.

[0118] In some embodiments, the consumption level may include five levels, and the corresponding consumption amount ranges may also include five, as shown in the following table:

[0119] Consumption level Consumption amount range (yuan) 1 #timg# 2 #timg# 3 #timg# 4 #timg# 5 #timg#

[0120] It should be understood that the above table is only used to exemplify the possible mapping relationship between consumption levels and consumption amount ranges, and should not be understood as a limitation on the mapping relationship between consumption levels and consumption amount ranges.

[0121] Among them, the user's consumption amount at consumption level 1 to consumption level 5 can be represented by a one-dimensional array Indicates that the number of consumption level 1 is a, the number of consumption level 2 is b, the number of consumption level 3 is c, the number of consumption level 4 is d, and the number of consumption level 5 is e.

[0122] Based on the above analysis, it can be seen that the payment device can also pre-set the minimum small amount without password limit Accordingly, the payment device can also pre-set the maximum small amount without password limit Similarly, the payment device can pre-set a minimum small-amount no-password limit based on demand, historical records, experiments, and interactions with the user, so that when the user is an inactive consumer, that is, the user's consumption frequency is relatively small, the small-amount no-password limit can be determined as the preset maximum small-amount no-password limit. .

[0123] like , that is, if the user's consumption level with the most consumption times does not reach the maximum consumption level, the payment device can provide the user with the maximum small amount without password limit Otherwise, the user's consumption level expectation can be calculated based on the consumption level For example, the consumption level expectation can be calculated by formula 1 , Formula 1:

[0124]

[0125] S309: Determine average consumption information and consumption dispersion based on historical consumption information.

[0126] For example, if the number of consumption times is determined to be n times based on the consumption records in the historical period, the average consumption information can be represented by the average consumption value, and the average consumption value AM can be calculated by Formula 2:

[0127]

[0128] Accordingly, the degree of consumption dispersion can be determined based on the average consumption information and historical consumption information. For example, the degree of consumption dispersion can be calculated using Formula 3: , Formula 3:

[0129]

[0130] Among them, relatively speaking, the degree of consumption dispersion The larger the value is, the less regular the user's consumption is in the historical period. On the contrary, the smaller the value is, the more discrete the consumption is. The smaller it is, the more regular the user's consumption in the historical period is, that is, the consumption patterns are prominent and the consumption habits tend to be stable.

[0131] It is worth noting that determining the degree of consumption dispersion in the manner of this embodiment can fully characterize the consumption characteristics of the user, thereby achieving the technical effect of improving the reliability and accuracy of determining the limit range when determining the limit range in combination with the degree of consumption dispersion.

[0132] S310: Determine expected consumption information based on average consumption information and consumption dispersion.

[0133] In some embodiments, a threshold may be introduced (It can be set based on demand, historical records, and experiments, etc., and is not limited in this embodiment), weight , weight value , in order to determine the expected consumption information by combining the average consumption information and the degree of consumption dispersion.

[0134] For example, the expected consumption cost The expected consumption information is expressed, and the expected consumption cost can be calculated by formula 4 , Formula 4:

[0135]

[0136] In this embodiment, the expected consumption cost that characterizes the expected consumption information is determined by the above method, and the expected consumption information can be determined from the dimension of the user's consumption pattern, so that the determined expected consumption information has a higher actual fit, thereby improving the technical effect of the accuracy and reliability of the prediction.

[0137] S311: Determine consumption characteristic adjustment information based on historical consumption information.

[0138] Exemplarily, S311 may include the following steps:

[0139] Step 1: Obtain from the consumption records within the historical period the date with the highest daily consumption, the date with the lowest daily consumption (not zero), the date with the most daily consumption records, and the date with the least daily consumption records.

[0140] Step 2: Calculate the average value of each consumption corresponding to the date with the highest daily consumption, the date with the lowest daily consumption, the date with the most daily consumption records, and the date with the least daily consumption records, and determine the consumption characteristic adjustment information based on the corresponding average value of each consumption.

[0141] That is to say, for the four selected dates, the average values ​​of the four days can be sorted in an array Represent and calculate Average consumption amount on the corresponding date , and consumption characteristic adjustment information can be adjusted by consumption characteristic adjustment value It is expressed as follows, so that the consumption characteristic adjustment value can be calculated by formula 5 , Equation 5:

[0142]

[0143] Among them, m is the average consumption of the day with the highest single-day consumption of the user, k is the average consumption of the day with the lowest single-day consumption, p is the average consumption of the day with the most single-day consumption records, and q is the average consumption of the day with the fewest single-day consumption records.

[0144] In this embodiment, by determining the consumption characteristic adjustment information, the user's relatively abnormal consumption can be fully considered. Therefore, when the limit amount of small-amount no-password transactions is determined in combination with the consumption characteristic adjustment information, the limit amount of small-amount no-password transactions can be integrated with special dimensional elements (i.e., the user's relatively abnormal consumption), thereby achieving high effectiveness and reliability of the determined limit amount of small-amount no-password transactions.

[0145] S312: Determine risk factors based on historical consumption information and payment card attribute information.

[0146] In some embodiments, S312 may include: according to the number of times the user's transaction failed , the number of times the user paid n, the total time the user was blacklisted (y is the number of times the hacker attacked you), payment card application time , effective time , and reputation information (which can be obtained through reputation value ), determine the risk factor .

[0147] Specifically, the risk factor can be calculated by Equation 6 , Equation 6:

[0148]

[0149] In some embodiments, a mapping relationship between the type of payment card and the reputation value may be constructed so as to determine the user's reputation information based on the attribute information of the user's payment card.

[0150] For example, as shown in the table below, payment cards can be divided into different levels, such as ordinary cards, gold cards, platinum cards, and diamond cards. Correspondingly, different payment card levels correspond to different credit values.

[0151] Payment card level Reputation Puka 1.0 Gold Card 1.5 Platinum Card 1.8 Diamond Card 2.0

[0152] Similarly, the above table is only used to illustrate the possible mapping relationship between payment card levels and credit scores, and should not be understood as limiting the mapping relationship between payment card levels and credit scores.

[0153] In this embodiment, the risk factor is determined by combining elements such as the user's credit value to fully consider the user's possible consumption risk situation, so that the limit amount of small-amount transactions without password is determined based on a more comprehensive dimension, thereby achieving a technical effect of high reliability of the limit amount of small-amount transactions without password.

[0154] S313: Determine the limit amount for small-amount transactions without password based on expected consumption information, consumption characteristic adjustment information, consumption risk factors, and the degree of consumption dispersion.

[0155] For example, the limit amount for small amounts without password can be calculated using Formula 7:

[0156]

[0157] Based on the above analysis, we can see that a user's historical spending may fluctuate significantly or slightly. Therefore, we can provide users with different limit ranges to determine the limit for small-amount, no-password transactions based on these limits. The following table shows the relationship between spending dispersion and limit ranges.

[0158] Consumption dispersion Limit range #timg# #timg# #timg# #timg#

[0159] Specifically, if , it means that the fluctuation of the user's historical consumption is not very large, and a relatively small number of limit levels can be provided to determine the limit level for small-amount PIN-free transactions. As shown in the table above, four levels of limit levels can be provided; on the contrary, if , indicating that the fluctuation of the user's historical consumption is relatively large and obvious, then a relatively multi-level limit quota can be provided to determine the limit quota for small-amount transactions without password. As shown in the table above, six levels of limit quota can be provided.

[0160] Similarly, the above table is only used to illustrate the possible mapping relationship between consumption dispersion and limit range, and should not be understood as a limitation on the mapping relationship between consumption dispersion and limit range.

[0161] In this embodiment, by combining expected consumption information, consumption characteristic adjustment information, consumption risk factors, and the degree of consumption dispersion to determine the limit amount for small-amount transactions without password, all dimensions of the user's consumption can be fully considered, thereby achieving a more flexible determination of the limit amount for small-amount transactions without password, making the limit amount for small-amount transactions without password highly personalized, thereby improving the technical effect of the accuracy and reliability of the limit amount for small-amount transactions without password, and thereby improving the effectiveness and reliability of payment.

[0162] S314: Obtain the small amount limit for no-password transactions corresponding to the user.

[0163] S315: If the transaction amount is less than or equal to the limit for small-amount password-free payment, the small-amount password-free payment is executed.

[0164] According to another aspect of the embodiments of the present disclosure, the embodiments of the present disclosure also provide a payment device based on small-amount password-free payment.

[0165] See also Figure 4 , Figure 4 The figure is a schematic diagram of a small-amount password-free payment device according to an embodiment of the present disclosure.

[0166] like Figure 4As shown, the small-amount password-free payment device 400 includes:

[0167] The parsing unit 401 is configured to, in response to a payment request initiated by a user, parse the payment request to obtain a transaction amount carried in the payment request.

[0168] The first acquisition unit 402 is used to obtain the limit amount of small-amount transactions without password corresponding to the user, wherein the limit amount of small-amount transactions without password is determined based on the user's selection operation for any limit range among multiple limit ranges pushed, and the multiple limit ranges are determined based on the user's expected consumption information, consumption characteristic adjustment information, consumption risk factor, and consumption dispersion degree, the expected consumption information, the consumption characteristic adjustment information, and the consumption dispersion degree are determined based on the user's historical consumption information, and the consumption risk factor is determined based on the historical consumption information and the attribute information of the user's payment card.

[0169] The payment unit 403 is configured to execute a small-amount password-free payment if the transaction amount is less than or equal to the limit amount for small-amount password-free payment.

[0170] See also Figure 5 , Figure 5 Schematic diagram of a small-amount password-free payment device according to another embodiment of the present disclosure.

[0171] like Figure 5 As shown, the small-amount password-free payment device 500 includes:

[0172] The second acquiring unit 501 is configured to acquire the user's historical consumption information and the attribute information of the user's payment card.

[0173] The first determining unit 502 is configured to determine the consumption dispersion degree and the consumption characteristic adjustment information according to the historical consumption information.

[0174] In some embodiments, the historical consumption information represents the consumption record of the user within a preset historical period. Figure 5 It can be seen that the first determining unit 502 includes:

[0175] The first determining subunit 5021 is configured to determine the average consumption information of the user in the historical period according to the consumption records in the historical period.

[0176] The second determining subunit 5022 is configured to determine the degree of consumption dispersion of each consumption of the user within the historical period according to the average consumption information and the consumption records within the historical period.

[0177] The third determining subunit 5023 is configured to determine the expected consumption information according to the average consumption information and the consumption dispersion degree.

[0178] The acquisition subunit 5024 is used to obtain the date with the highest single-day consumption, the date with the lowest single-day consumption, the date with the largest number of single-day consumption records, and the date with the smallest number of single-day consumption records from the consumption records in the historical period.

[0179] The calculation subunit 5025 is used to calculate the average consumption of each date corresponding to the user's highest single-day consumption date, the lowest single-day consumption date, the date with the most single-day consumption records, and the date with the least single-day consumption records.

[0180] The fourth determining subunit 5026 is configured to determine the consumption characteristic adjustment information according to the corresponding average value of each consumption.

[0181] The second determining unit 503 is configured to determine the expected consumption information according to the consumption dispersion degree and the consumption records in the historical period.

[0182] The fourth determination unit 504 is used to determine the consumption amount of the user based on the consumption records within the historical period, and determine the consumption amount interval corresponding to the user's consumption amount and the consumption level corresponding to the user's consumption amount interval based on a preset mapping relationship, wherein the mapping relationship is used to characterize the consumption amount range of the consumption amount interval, and the correspondence between the consumption amount interval and the consumption level.

[0183] The fifth determining unit 505 is configured to determine the user's expected consumption level according to the user's consumption amount and each consumption amount range if the user's consumption level has not reached the maximum consumption level.

[0184] Correspondingly, the second determining unit 503 is configured to determine the expected consumption information according to the average consumption information, the consumption dispersion, and the consumption level expectation.

[0185] The third determining unit 506 is configured to determine the risk factor according to the historical consumption information and the attribute information of the payment card.

[0186] In some embodiments, the consumption records within the historical period include the number of failed transactions of the user, the number of payments made by the user, and the total length of time the user has been blacklisted within the historical period; the attribute information of the payment card includes the application time, validity period, and credit information of the payment card; the third determination unit 506 is used to determine the risk factor based on the number of failed transactions of the user, the number of payments made by the user, the total length of time the user has been blacklisted, the application time, validity period, and credit information of the payment card.

[0187] The prediction unit 507 is configured to predict an expected limit based on the expected consumption information, the consumption characteristic adjustment information, and the risk factors.

[0188] The generating unit 508 is configured to generate a plurality of quota intervals according to the expected quota and the consumption dispersion degree.

[0189] The parsing unit 509 is configured to respond to a payment request initiated by a user, parse the payment request, and obtain the transaction amount carried in the payment request.

[0190] The first acquisition unit 510 is used to obtain the limit amount of small-amount transactions without password corresponding to the user, wherein the limit amount of small-amount transactions without password is determined based on the user's selection operation for any one of the multiple limit intervals pushed, and the multiple limit intervals are determined based on the user's expected consumption information, consumption characteristic adjustment information, consumption risk factor, and consumption dispersion degree, the expected consumption information, the consumption characteristic adjustment information, and the consumption dispersion degree are determined based on the user's historical consumption information, and the consumption risk factor is determined based on the historical consumption information and the attribute information of the user's payment card.

[0191] The payment unit 511 is configured to execute a small-amount password-free payment if the transaction amount is less than or equal to the limit amount for small-amount password-free payment.

[0192] According to an embodiment of the present disclosure, the present disclosure also provides an electronic device and a readable storage medium.

[0193] According to an embodiment of the present disclosure, the present disclosure also provides a computer program product, which includes: a computer program, the computer program is stored in a readable storage medium, at least one processor of an electronic device can read the computer program from the readable storage medium, and at least one processor executes the computer program so that the electronic device executes the solution provided by any of the above embodiments.

[0194] like Figure 6, is a block diagram of an electronic device based on a small-amount, password-free payment method according to an embodiment of the present disclosure. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital assistants, cellular phones, smartphones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are provided for example purposes only and are not intended to limit the implementation of the present disclosure described and / or claimed herein.

[0195] like Figure 6 As shown, the electronic device includes: one or more processors 601, a memory 602, and interfaces for connecting various components, including high-speed interfaces and low-speed interfaces. The various components are connected to each other using different buses and can be installed on a common mainboard or installed in other ways as needed. The processor can process instructions executed in the electronic device, including instructions stored in or on the memory to display graphical information of a GUI on an external input / output device (such as a display device coupled to the interface). In other embodiments, if necessary, multiple processors and / or multiple buses can be used together with multiple memories and multiple memories. Similarly, multiple electronic devices can be connected, and each device provides some necessary operations (for example, as a server array, a group of blade servers, or a multi-processor system). Figure 6 A processor 601 is taken as an example.

[0196] Memory 602 is a non-transitory computer-readable storage medium provided in the present disclosure. The memory stores instructions executable by at least one processor, causing the at least one processor to execute the small-amount, password-free payment method provided in the present disclosure. The non-transitory computer-readable storage medium provided in the present disclosure stores computer instructions for causing a computer to execute the small-amount, password-free payment method provided in the present disclosure.

[0197] Memory 602, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs, non-transitory computer executable programs, and modules, such as the program instructions / modules corresponding to the small-amount, no-password payment method in the embodiments of the present disclosure. Processor 601 executes the non-transitory software programs, instructions, and modules stored in memory 602 to execute various server functional applications and data processing, thereby implementing the small-amount, no-password payment method in the above-mentioned method embodiments.

[0198] The memory 602 may include a program storage area and a data storage area, wherein the program storage area may store an operating system and application programs required for at least one function; the data storage area may store data created based on the use of the electronic device based on the small-amount, password-free payment method, etc. In addition, the memory 602 may include high-speed random access memory and may also include non-transient memory, such as at least one disk storage device, flash memory device, or other non-transient solid-state memory device. In some embodiments, the memory 602 may optionally include a memory remotely located relative to the processor 601, and these remote memories may be connected to the electronic device based on the small-amount, password-free payment method via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0199] The electronic device based on the small amount no-password payment method may further include: an input device 603 and an output device 604. The processor 601, the memory 602, the input device 603 and the output device 604 may be connected via a bus or other means. Figure 6 The bus connection is taken as an example.

[0200] Input device 603 can receive input numeric or character information and generate key signal input related to user settings and function control of an electronic device based on a small-amount, password-free payment method. Examples include a touch screen, keypad, mouse, trackpad, touchpad, indicator stick, one or more mouse buttons, trackball, joystick, and other input devices. Output device 604 may include a display device, auxiliary lighting (e.g., LED), and tactile feedback (e.g., vibration motor). The display device may include, but is not limited to, a liquid crystal display (LCD), a light-emitting diode (LED) display, and a plasma display. In some embodiments, the display device may be a touch screen.

[0201] Various implementations of the systems and techniques described herein can be realized in digital electronic circuitry, integrated circuitry, dedicated ASICs (application specific integrated circuits), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include implementation in one or more computer programs that are executable and / or interpreted on a programmable system comprising at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0202] These computer programs (also referred to as programs, software, software applications, or code) include machine instructions for programmable processors and can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. As used herein, the terms "machine-readable medium" and "computer-readable medium" refer to any computer program product, apparatus, and / or device (e.g., a magnetic disk, an optical disk, a memory, a programmable logic device (PLD)) for providing machine instructions and / or data to a programmable processor, including a machine-readable medium that receives machine instructions as a machine-readable signal. The term "machine-readable signal" refers to any signal for providing machine instructions and / or data to a programmable processor.

[0203] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the computer. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0204] The systems and techniques described herein can be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include a local area network (LAN), a wide area network (WAN), and the Internet.

[0205] Computer systems may include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The client and server relationship arises through computer programs running on the respective computers and having a client-server relationship to each other.

[0206] Other embodiments of the present disclosure will readily occur to those skilled in the art after considering the specification and practicing the invention disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art not disclosed herein. The description and examples are to be considered as exemplary only, with the true scope and spirit of the present disclosure being indicated by the following claims.

[0207] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A small-amount password-free payment method, comprising: In response to a payment request initiated by a user, parsing the payment request to obtain the transaction amount carried in the payment request; Obtaining a small-amount, no-password-required payment limit corresponding to the user, wherein the small-amount, no-password-required payment limit is determined based on the user selecting any one of multiple limit ranges pushed to them, and the multiple limit ranges are determined based on the user's expected consumption information, consumption characteristic adjustment information, consumption risk factor, and consumption dispersion, wherein the expected consumption information, consumption characteristic adjustment information, and consumption dispersion are determined based on the user's historical consumption information, and the consumption risk factor is determined based on the historical consumption information and attribute information of the user's payment card; If the transaction amount is less than or equal to the small amount PIN-free payment limit, the small amount PIN-free payment will be executed; The method further comprises: Obtaining historical consumption information of the user and attribute information of the user's payment card, wherein the historical consumption information represents the consumption record of the user within a preset historical period; Determining the consumption dispersion degree and the consumption characteristic adjustment information based on the historical consumption information, and determining the expected consumption information based on the consumption dispersion degree and the consumption records in the historical period; determining the risk factor based on the historical consumption information and the attribute information of the payment card; An expected limit is obtained based on the expected consumption information, the consumption characteristic adjustment information, and the risk factor prediction, and a plurality of limit intervals are generated based on the expected limit and the degree of consumption dispersion.

2. The method according to claim 1, wherein determining the consumption dispersion degree according to the historical consumption information comprises: Determining the average consumption information of the user in the historical period based on the consumption records in the historical period, and determining the consumption dispersion of each consumption of the user in the historical period based on the average consumption information and the consumption records in the historical period; And, determining the expected consumption information according to the consumption dispersion degree and the consumption records in the historical period includes: The expected consumption information is determined according to the average consumption information and the consumption dispersion degree.

3. The method according to claim 2, after obtaining the user's historical consumption information, further comprising: Determining the user's consumption amount based on the consumption records within the historical period, and determining a consumption amount interval corresponding to the user's consumption amount and a consumption level corresponding to the user's consumption amount interval based on a preset mapping relationship, wherein the mapping relationship is used to represent the consumption amount range of the consumption amount interval and the correspondence between the consumption amount interval and the consumption level; If the user's consumption level does not reach the maximum consumption level, determining the user's consumption level expectation based on the user's consumption amount and each consumption amount range; And, determining the expected consumption information according to the average consumption information and the consumption dispersion degree includes: The expected consumption information is determined according to the average consumption information, the consumption dispersion, and the consumption level expectation.

4. The method according to claim 1, wherein Determining the consumption characteristic adjustment information according to the historical consumption information includes: Obtaining from the consumption records within the historical period the date with the highest single-day consumption of the user, the date with the lowest single-day consumption, the date with the largest number of single-day consumption records, and the date with the smallest number of single-day consumption records; Calculate the average value of each consumption corresponding to the date with the highest single-day consumption, the date with the lowest single-day consumption, the date with the most single-day consumption records, and the date with the least single-day consumption records, and determine the consumption characteristic adjustment information based on the corresponding average value of each consumption.

5. The method according to any one of claims 1 to 3, wherein The consumption records within the historical period include the number of failed transactions of the user, the number of payments made by the user, and the total time the user was blacklisted within the historical period; the attribute information of the payment card includes the application time, validity period, and credit information of the payment card; Determining the risk factor based on the historical consumption information and the attribute information of the payment card includes: The risk factor is determined based on the number of failed transactions of the user, the number of payments made by the user, the total time the user is blacklisted, the application time and validity period of the payment card, and the credit information.

6. A small-amount password-free payment device, comprising: a parsing unit, configured to, in response to a payment request initiated by a user, parse the payment request to obtain a transaction amount carried in the payment request; a first acquiring unit, configured to acquire a small-amount, no-password-required payment limit corresponding to the user, wherein the small-amount, no-password-required payment limit is determined based on a selection by the user of any one of a plurality of push limit intervals, and the plurality of limit intervals are determined based on the user's expected consumption information, consumption characteristic adjustment information, a consumption risk factor, and a degree of consumption dispersion, wherein the expected consumption information, the consumption characteristic adjustment information, and the degree of consumption dispersion are determined based on the user's historical consumption information, and the consumption risk factor is determined based on the historical consumption information and attribute information of the user's payment card; A payment unit, configured to execute a small-amount password-free payment if the transaction amount is less than or equal to the limit for small-amount password-free payment; a second acquiring unit, configured to acquire historical consumption information of the user and attribute information of the payment card of the user, wherein the historical consumption information represents the consumption record of the user within a preset historical period; A first determining unit is configured to determine the consumption dispersion degree and the consumption characteristic adjustment information according to the historical consumption information. a second determining unit, configured to determine the expected consumption information according to the consumption dispersion degree and the consumption records in the historical period; a third determining unit, configured to determine the risk factor based on the historical consumption information and the attribute information of the payment card; A prediction unit is configured to predict an expected limit based on the expected consumption information, the consumption characteristic adjustment information, and the risk factor. A generating unit is used to generate a plurality of limit intervals according to the expected limit and the consumption dispersion degree.

7. An electronic device comprising: Memory, processor; Memory; a memory for storing instructions executable by the processor; The processor is configured to execute the method according to any one of claims 1 to 5.

8. A computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, wherein the computer-executable instructions are used to implement the method according to any one of claims 1 to 5 when executed by a processor.

9. A computer program product comprising a computer program, which, when executed by a processor, implements the method according to any one of claims 1 to 5.

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