Network payment method and apparatus

Abstract

The application discloses a network payment method and device, and belongs to the field of information processing. The method comprises the following steps: in the case that it is detected that the automatic renewal function of a first application is turned on, the payment date of the automatic renewal function is acquired; in the case that the time interval between the payment date and the current date is less than a first threshold value, first information is displayed according to the alternative information of the first application and the use information of the first application by a user in a first time period, and the first information is used for describing the performance-price ratio of the automatic renewal function. The first time period is before the current date.

Description

Technical Field

[0001] This application belongs to the field of information processing, and specifically relates to a method and apparatus for online payment. Background Technology

[0002] With the development of information technology, electronic devices are usually equipped with various applications. In order to enjoy the value-added services brought by the application membership system, users may activate application membership and automatic renewal function.

[0003] However, users cannot quickly determine whether they need the app's membership, nor can they accurately assess whether the payment methods recommended by the app are suitable for them. Therefore, users cannot efficiently manage the app's auto-renewal function. Summary of the Invention

[0004] The purpose of this application is to provide a network payment method and apparatus that can solve the problem of low efficiency in managing the automatic renewal function of applications in the prior art.

[0005] In a first aspect, embodiments of this application provide a method for online payment, the method comprising:

[0006] If the auto-renewal function of the first application is detected to be enabled, obtain the payment date of the auto-renewal function;

[0007] If the time interval between the payment date and the current date is less than a first threshold, the first information is displayed based on the replacement information of the first application and the user's usage information of the first application within the first time period. The first information is used to describe the cost-effectiveness of activating the automatic renewal function.

[0008] The first time period is before the current date.

[0009] Secondly, embodiments of this application provide a network payment device, the method comprising:

[0010] The first acquisition module is used to acquire the payment date of the automatic renewal function when the automatic renewal function of the first application is detected to be enabled.

[0011] The display module is used to display first information based on the replacement information of the first application and the user's usage information of the first application within the first time period when the time interval between the payment date and the current date is less than a first threshold. The first information is used to describe the cost-effectiveness of activating the automatic renewal function.

[0012] The first time period is before the current date.

[0013] Thirdly, embodiments of this application provide an electronic device including a processor and a memory, wherein the memory stores programs or instructions executable on the processor, and the programs or instructions, when executed by the processor, implement the steps of the method described in the first aspect.

[0014] Fourthly, embodiments of this application provide a readable storage medium on which a program or instructions are stored, which, when executed by a processor, implement the steps of the method described in the first aspect.

[0015] Fifthly, embodiments of this application provide a chip, the chip including a processor and a communication interface, the communication interface being coupled to the processor, the processor being used to run programs or instructions to implement the method as described in the first aspect.

[0016] In a sixth aspect, embodiments of this application provide a computer program product stored in a storage medium, which is executed by at least one processor to implement the method described in the first aspect.

[0017] In the embodiments of this application, when the automatic renewal function of the first application is detected to be enabled, the payment date of the automatic renewal function is obtained; if the time interval between the payment date and the current date is less than a first threshold, first information describing the cost-effectiveness of enabling the automatic renewal function is displayed based on the alternative information of the first application and the user's usage information of the first application within a first time period. Here, the first information can be determined and displayed before the payment date of the automatic renewal of the first application membership, based on the alternative information of the first application and the user's usage information of the first application within a first time period before the current date. This allows users to quickly and accurately understand the cost-effectiveness of enabling the automatic renewal function and helps them determine whether they need to disable the automatic renewal function of the first application. Therefore, the efficiency of users managing the automatic renewal function of applications can be improved. Attached Figure Description

[0018] Figure 1 This is a flowchart illustrating a network payment method provided in an embodiment of this application;

[0019] Figure 2 This is a schematic diagram of a first type of information provided in an embodiment of this application;

[0020] Figure 3 This is a schematic diagram of a second type of information provided in an embodiment of this application;

[0021] Figure 4 This is a structural diagram of a network payment device provided in an embodiment of this application;

[0022] Figure 5This is one of the hardware structure diagrams of the electronic device according to an embodiment of this application;

[0023] Figure 6 This is the second schematic diagram of the hardware structure of the electronic device according to an embodiment of this application. Detailed Implementation

[0024] The technical solutions of the embodiments of this application will be clearly described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of this application. All other embodiments obtained by those skilled in the art based on the embodiments of this application are within the scope of protection of this application.

[0025] The terms "first," "second," etc., used in the specification and claims of this application are used to distinguish similar objects and not to describe a specific order or sequence. It should be understood that such use of data can be interchanged where appropriate so that embodiments of this application can be implemented in orders other than those illustrated or described herein, and the objects distinguished by "first," "second," etc., are generally of the same class and the number of objects is not limited; for example, a first object can be one or more. Furthermore, in the specification and claims, "and / or" indicates at least one of the connected objects, and the character " / " generally indicates that the preceding and following objects are in an "or" relationship.

[0026] The online payment method provided in this application embodiment can be applied to at least the following application scenarios, which will be described below.

[0027] Currently, users' electronic devices typically have various applications installed. In order to enjoy the value-added services offered by the application's membership system, users may subscribe to membership services.

[0028] Applications often offer various membership subscription options to attract users, such as recommending a "continuous monthly subscription" with a discount on the first month. This approach capitalizes on users' tendency to forget to cancel the "continuous monthly subscription," which essentially requires activating an auto-renewal function. Because users cannot quickly determine whether they need the application's membership or accurately assess whether the recommended payment method suits them, they cannot efficiently manage their application spending, resulting in wasted money.

[0029] In response to the problems in related technologies, embodiments of this application provide a network payment method and apparatus that can solve the problem of low efficiency in managing the automatic renewal function of applications in related technologies.

[0030] The online payment method provided in this application will be described in detail below with reference to the accompanying drawings, through specific embodiments and application scenarios.

[0031] Figure 1 A flowchart illustrating a network payment method provided in this application embodiment.

[0032] like Figure 1 As shown, the online payment method may include steps 110-120. This method is applied to an online payment device, as detailed below:

[0033] Step 110: If the automatic renewal function of the first application is detected to be enabled, obtain the payment date of the automatic renewal function.

[0034] Automatic renewal means that an electronic device will automatically renew its subscription on a fixed schedule, meaning it will renew on the scheduled payment date without requiring manual intervention from the user. Typically, the payment date for automatic renewal is a specific day within a preset period. For example, the payment date for a monthly subscription with automatic renewal might be the 5th of each month, or the payment date for an annual subscription with automatic renewal might be October 1st of each year.

[0035] Step 120: If the time interval between the payment date and the current date is less than a first threshold, display the first information based on the replacement information of the first application and the user's usage information of the first application within the first time period. The first information is used to describe the cost-effectiveness of activating the automatic renewal function; wherein, the first time period is before the current date.

[0036] If the time interval between the payment date and the current date is less than the first threshold, it indicates that the payment date is approaching. Understandably, while users can cancel the auto-renewal service before the payment date arrives, the system can display primary information describing the cost-effectiveness of enabling the auto-renewal function. This allows users to view and refer to this information before the payment date, enabling them to quickly understand the cost-effectiveness of enabling the auto-renewal function for the current application. This helps users determine whether they need to disable the auto-renewal function for the first application and whether they need to change the renewal cycle for the first application.

[0037] For example, the first threshold can be 3 days. If the payment date is October 5th and the current date is October 3rd, then the time interval between the payment date and the current date is two days. That is, the time interval between the payment date and the current date is less than the first threshold. In this case, the first information describing the cost-effectiveness of activating the automatic renewal function can be displayed.

[0038] Specifically, the first information is displayed based on the alternative information of the first application and the user's usage information of the first application within a first time period. The first time period is prior to the current date, and the user's usage information of the first application effectively represents the user's use of the first application within a certain period before the payment date. For example, if the current date is October 3rd, the first time period can be 30 days prior to the current date, that is, the first time period can be from September 3rd to October 3rd.

[0039] The substitution information for the first application describes the substitutability of the first application used by the user. For example, if some member-exclusive videos in a streaming media software are free on other websites, the substitution information for the first application is "substitutable". Conversely, if some member-exclusive videos in the same streaming media software cannot be found on other websites and applications, the substitution information for the first application is "non-substitutable".

[0040] For example, the first application includes a video A that can be viewed exclusively by members. If it is determined that no other second application includes a video A that can be viewed, then the alternative information of the first application is "non-replaceable".

[0041] The first piece of information is determined based on the alternative information of the first application and the user's usage information of the first application within the first time period, and is used to assist the user in deciding whether to continue to activate the automatic renewal function.

[0042] The first piece of information describes the cost-effectiveness of activating the automatic renewal function. The first piece of information can be a recommendation score, with a higher score indicating a higher recommendation and thus a higher value for the user. Alternatively, the first piece of information can also include options such as "Recommended", "Not Recommended", and "Neutral".

[0043] like Figure 2 As shown, the first information includes "The cost-effectiveness information of the first application is: 70; whether to cancel the automatic renewal function". The user decides whether to turn off the automatic renewal function based on the cost-effectiveness of the automatic renewal function described in the first information. If the user selects "OK", the automatic renewal function is turned off; if the user selects "Cancel", the automatic renewal function is not turned off.

[0044] In one possible embodiment, the following steps may be included prior to step 120:

[0045] Obtain the user's usage time and number of times of the value-added services in the first application within the first time period, and obtain the payment information of the value-added services in the second application;

[0046] Usage information is determined based on usage duration and frequency.

[0047] Based on the payment information for value-added services in the second application, determine the alternative information.

[0048] Specifically, the duration of a user's use of value-added services in the first application within the first time period can be defined as the duration of time a user watches paid videos in the video application within the first time period. The number of times a user uses value-added services in the first application within the first time period can be defined as the number of times a user watches paid videos in the video application within the first time period.

[0049] The duration and frequency of a user's use of value-added services within the first application can be used to describe the degree of the user's dependence on these services, as well as the value of these services to the user. Higher values ​​for duration and frequency indicate a greater degree of dependence on the value-added services and thus a higher value to the user.

[0050] Usage information may also include: the percentage of time a user spends using the first application while using an electronic device, the time a user spends using the first application, and the usage scenarios in which a user uses the first application.

[0051] In the first time period, if the user's usage time of the value-added service exceeds the preset time, the first piece of information is used to describe the high cost-effectiveness of the first application; or,

[0052] If a user uses the value-added service more times than a preset number of times within the first time period, the first information is used to describe the high cost-effectiveness of the first application.

[0053] If a user uses the value-added service for a longer period than the preset time, it means that the value-added service in the first application is valuable to the user and the first application is cost-effective for the user. Therefore, the first information is used to describe the cost-effectiveness of the first application.

[0054] If a user uses the value-added service more than the preset number of times, it means that the value-added service in the first application is valuable to the user, and the first application is cost-effective for the user. Therefore, the first information is used to describe the cost-effectiveness of the first application.

[0055] Value-added services may include: memberships in video applications; paid skins, paid titles, and paid premium items in game applications.

[0056] Specifically, determining the alternative information based on the payment information of the value-added service in the second application may include: determining the alternative information based on the ratio of the usage duration of the value-added service, the number of times the value-added service is used, the number of value-added services, and the total number of services in the first application, and the payment information of the value-added service in the second application.

[0057] Among them, the payment information for value-added services in the second application refers to the charging situation for value-added services in the second application.

[0058] Specifically, the usage duration of value-added services can be the duration of video viewing using a membership in the video application. The number of times value-added services are used can be the number of times videos are viewed using a membership in the video application. The ratio of the number of value-added services to the total number of services in the first application can be the ratio between the number of videos in a video application that require a membership to watch and the number of videos that can be watched without a membership.

[0059] If the cost of a value-added service in the second application is higher than the cost of a value-added service in the first application, the first information is used to describe the cost-effectiveness of the first application.

[0060] If the cost of the value-added service in the second application is higher than the cost of the value-added service in the first application, it means that using the value-added service in the first application is more cost-effective. In other words, the first application is cost-effective for the user. Therefore, the first information is used to describe the cost-effectiveness of the first application.

[0061] Additionally, different weights can be assigned to the alternative information of the first application and the user's usage information of the first application within the first time period, and the cost-effectiveness information can be integrated and calculated. The weights of each usage information can be determined through usage data from multiple users.

[0062] In addition, the first information can also include reference information, which is determined based on the automatic renewal information of other users. For example, if more than 50% of users will choose to continue to activate the automatic renewal function when the cost-effectiveness information is greater than 60, the reference information can be displayed for users' reference.

[0063] Here, by determining usage information based on the duration and frequency of use of value-added services in the first application within the first time period, and by obtaining payment information for value-added services in the second application, alternative information is determined. This helps users judge the value of value-added services to their experience from both their own usage and the resource situation in other applications, thereby helping users cancel some cost-inefficient automatic payment functions for memberships in certain applications to save money.

[0064] In one possible embodiment, after step 120, the following steps may also be included:

[0065] Receive the user's first input on the first information; in response to the first input, disable the automatic renewal function of the first application;

[0066] Alternatively, it can receive a second input from the user regarding the first information; in response to the second input, it can change the renewal period of the automatic renewal function of the first application.

[0067] Upon receiving the user's initial input of the first piece of information, the system automatically disables the auto-renewal function of the first application. This eliminates the need for the user to navigate through each level of the application's interface to cancel the auto-renewal feature, saving time and improving the user experience.

[0068] Alternatively, in response to a second input from the user regarding the first information, the renewal period of the first application's automatic renewal function can be changed.

[0069] Specifically, if a user finds the first application still useful after reviewing the first information, they can make a second input on the first information. Upon receiving the user's second input on the first information, multiple fee information corresponding to the paid duration can be displayed.

[0070] For example, the system can display the most cost-effective subscription options for different paid durations of the first application across various timeframes (monthly, quarterly, and yearly), along with the corresponding fees for each duration. This helps users purchase services at the most favorable price. Then, based on the user's selected subscription duration, the system can adjust the automatic renewal cycle of the first application, helping users subscribe to the most cost-effective value-added services. This allows for direct adjustment of the automatic renewal cycle, simplifying the process.

[0071] In one possible embodiment, the step of changing the renewal period of the automatic renewal function of the first application in response to the second input may specifically include the following steps:

[0072] Obtain fee information for at least one first renewal period, which is different from the current renewal period;

[0073] If the cost-effectiveness of the target renewal period is higher than that of the current renewal period, second information is displayed, which includes the target renewal period; wherein, at least one first renewal period includes the target renewal period, and the cost-effectiveness of the target renewal period is determined based on the cost information of the target renewal period and the duration of the target renewal period.

[0074] Receive a third input from the user regarding the second information;

[0075] In response to the third input, the renewal period of the automatic renewal function of the first application is changed to the target renewal period.

[0076] Upon receiving a second input from the user regarding the first information, obtain at least one fee information corresponding to a first renewal period that is different from the current renewal period. For example, if the current renewal period is annual, the first renewal period can be quarterly or monthly.

[0077] Then, the cost-effectiveness of the target renewal period is determined based on the cost information corresponding to the target renewal period and the duration of the target renewal period. Specifically, the cost-effectiveness of the target renewal period can be determined by the ratio of the cost information corresponding to the target renewal period to the duration of the target renewal period.

[0078] For example, if a user chooses to recharge for 3 months, the price for a direct recharge of one quarter, i.e., the cost for the first renewal period, is 30 yuan, averaging 10 yuan per month. If the user chooses the continuous monthly subscription plan, the first month is 8 yuan, and each subsequent month is 12 yuan. Here, the system can recharge the user by subscribing for three consecutive months to reach the cost of a quarterly membership, i.e., the cost for the first renewal period is 24 yuan, averaging 8 yuan per month.

[0079] If the cost-effectiveness of the target renewal period is higher than that of the current renewal period, a second set of information, including the target renewal period, will be displayed. For example, if the cost for the current renewal period is 9 yuan per month, then the cost-effectiveness of the "continuous monthly subscription" is higher than that of the current renewal period. That is, based on the cost (24 yuan) and duration (3 months) of the target renewal period, the cost-effectiveness of the target renewal period is 8 yuan per month.

[0080] like Figure 3 As shown, the second piece of information includes: continuous monthly subscription for 24 yuan (the most economical option), where the target renewal period is monthly, that is, a three-month "continuous monthly subscription service".

[0081] Finally, the system receives a third input from the user regarding the second information. In response to this third input, it changes the automatic renewal period of the first application's automatic renewal function to the target renewal period. This means that the automatic renewal function is activated according to the user's selected target renewal period, reducing the waste of the user's time and effort, improving the efficiency of managing the application's automatic renewal function, and enhancing the user experience.

[0082] In the embodiments of this application, when the automatic renewal function of the first application is detected to be enabled, the payment date of the automatic renewal function is obtained; if the time interval between the payment date and the current date is less than a first threshold, first information describing the cost-effectiveness of enabling the automatic renewal function is displayed based on the alternative information of the first application and the user's usage information of the first application within a first time period. Here, the first information can be determined and displayed before the payment date of the automatic renewal of the first application membership, based on the alternative information of the first application and the user's usage information of the first application within a first time period before the current date. This allows users to quickly and accurately understand the cost-effectiveness of enabling the automatic renewal function, helping them determine whether they need to disable the automatic renewal function of the first application and whether they need to change the payment cycle of the automatic renewal function of the first application. Therefore, the efficiency of users managing the automatic renewal function of applications can be improved.

[0083] The network payment method provided in this application can be executed by a network payment device. This application uses a network payment device executing the network payment method as an example to illustrate the network payment device provided in this application.

[0084] Figure 4 This is a block diagram of a network payment device provided in an embodiment of this application. The device 400 includes:

[0085] The first acquisition module 410 is used to acquire the payment date of the automatic renewal function when the automatic renewal function of the first application is detected to be enabled.

[0086] Display module 420 is used to display first information based on the substitution information of the first application and the user's usage information of the first application within the first time period when the time interval between the payment date and the current date is less than a first threshold. The first information is used to describe the cost-effectiveness of activating the automatic renewal function.

[0087] The first time period is before the current date.

[0088] In one possible embodiment, the device 400 may further include:

[0089] The first receiving module is used to receive the user's first input on the first information;

[0090] The shutdown module is used to disable the automatic renewal function of the first application in response to the first input.

[0091] The second receiving module is used to receive the user's second input on the first information;

[0092] The module is modified to change the renewal period of the automatic renewal function of the first application in response to the second input.

[0093] In one possible embodiment, the device 400 may further include:

[0094] The second acquisition module is used to acquire the user's usage time and number of times of the value-added services in the first application within the first time period, as well as to acquire the payment information of the value-added services in the second application.

[0095] The determination module is used to determine usage information based on usage duration and frequency.

[0096] The determination module is also used to determine alternative information based on the payment information of the value-added services in the second application.

[0097] In one possible embodiment, if the user's usage time of the value-added service exceeds a preset duration within a first time period, the first information is used to describe the high cost-effectiveness of the first application; or...

[0098] If, within the first time period, a user uses the value-added service more than a preset number of times, the first piece of information is used to describe the high cost-effectiveness of the first application; or,

[0099] If the cost of a value-added service in the second application is higher than the cost of a value-added service in the first application, the first information is used to describe the cost-effectiveness of the first application.

[0100] In one possible embodiment, the modification of the module specifically includes:

[0101] The acquisition submodule is used to acquire the cost information corresponding to at least one first renewal period, which is different from the current renewal period;

[0102] The display submodule is used to display second information when the cost-effectiveness of the target renewal period is higher than that of the current renewal period. The second information includes the target renewal period. At least one first renewal period includes the target renewal period, and the cost-effectiveness of the target renewal period is determined based on the cost information of the target renewal period and the duration of the target renewal period.

[0103] The receiving submodule is used to receive the user's third input regarding the second information;

[0104] Modify the submodule to change the renewal period of the first application's automatic renewal function to the target renewal period in response to a third input.

[0105] In the embodiments of this application, when the automatic renewal function of the first application is detected to be enabled, the payment date of the automatic renewal function is obtained; if the time interval between the payment date and the current date is less than a first threshold, first information describing the cost-effectiveness of enabling the automatic renewal function is displayed based on the alternative information of the first application and the user's usage information of the first application within a first time period. Here, the first information can be determined and displayed before the payment date based on the alternative information of the first application and the user's usage information of the first application within a first time period before the current date, which makes it easier for users to quickly and accurately understand the cost-effectiveness of enabling the automatic renewal function, and can help users decide whether to disable the automatic renewal function of the first application, and whether to change the payment cycle of the automatic renewal function of the first application. Therefore, the efficiency of users managing the automatic renewal function of applications can be improved.

[0106] The network payment device in this application embodiment can be an electronic device or a component of an electronic device, such as an integrated circuit or a chip. The electronic device can be a terminal or other devices besides a terminal. For example, the electronic device can be an electronic device, tablet computer, laptop computer, PDA, in-vehicle electronic device, mobile internet device (MID), augmented reality (AR) / virtual reality (VR) device, robot, wearable device, ultra-mobile personal computer (UMPC), netbook, or personal digital assistant (PDA), etc. It can also be a server, network attached storage (NAS), personal computer (PC), television (TV), ATM, or self-service machine, etc. This application embodiment does not specifically limit the device.

[0107] The network payment device in this application embodiment can be a device with an action system. The action system can be an Android action system, an iOS action system, or other possible action systems; this application embodiment does not specifically limit it.

[0108] The network payment device provided in this application embodiment can implement all the processes implemented in the above method embodiments, and will not be described again here to avoid repetition.

[0109] Optionally, such as Figure 5As shown, this application embodiment also provides an electronic device 510, including a processor 511, a memory 512, and a program or instructions stored in the memory 512 and executable on the processor 511. When the program or instructions are executed by the processor 511, they implement the various steps of any of the above-described network payment method embodiments and achieve the same technical effect. To avoid repetition, they will not be described again here.

[0110] It should be noted that the electronic devices in the embodiments of this application include the mobile electronic devices and non-mobile electronic devices described above.

[0111] Figure 6 A schematic diagram of the hardware structure of an electronic device to implement an embodiment of this application.

[0112] The electronic device 600 includes, but is not limited to, components such as: radio frequency unit 601, network module 602, audio output unit 603, input unit 604, sensor 605, display unit 606, user input unit 607, interface unit 608, memory 609, and processor 610.

[0113] Those skilled in the art will understand that the electronic device 600 may also include a power supply (such as a battery) for supplying power to various components. The power supply may be logically connected to the processor 610 through a power management system, thereby enabling functions such as managing charging, discharging, and power consumption through the power management system. Figure 6 The electronic device structure shown does not constitute a limitation on the electronic device. The electronic device may include more or fewer components than shown, or combine certain components, or have different component arrangements, which will not be elaborated here.

[0114] Among them, network module 602 is used to obtain the payment date of the automatic renewal function when the automatic renewal function of the first application is detected to be enabled;

[0115] Display unit 606 is used to display first information based on the substitution information of the first application and the user's usage information of the first application within the first time period when the time interval between the payment date and the current date is less than a first threshold. The first information is used to describe the cost-effectiveness of activating the automatic renewal function.

[0116] The first time period is before the current date.

[0117] Optionally, the user input unit 607 is used to receive a first input from the user regarding the first information;

[0118] Processor 610 is used to disable the automatic renewal function of the first application in response to the first input;

[0119] User input unit 607 is also used to receive a second input from the user on the first information;

[0120] The processor 610 is also used to change the renewal period of the automatic renewal function of the first application in response to the second input.

[0121] Optionally, the network module 602 is also used to obtain the user's usage time and number of times of the value-added service in the first application within a first time period, and to obtain the payment information of the value-added service in the second application.

[0122] The processor 610 is also used to determine usage information based on usage duration and number of uses;

[0123] The processor 610 is also used to determine alternative information based on payment information for value-added services in a second application.

[0124] Optionally, the network module 602 is also used to obtain fee information corresponding to at least one first renewal period, which is different from the current renewal period;

[0125] The display unit 606 is further configured to display second information when the cost-effectiveness corresponding to the target renewal period is higher than that corresponding to the current renewal period. The second information includes the target renewal period. In this case, at least one first renewal period includes the target renewal period, and the cost-effectiveness corresponding to the target renewal period is determined based on the cost information corresponding to the target renewal period and the duration of the target renewal period.

[0126] User input unit 607 is also used to receive a third input from the user regarding the second information;

[0127] The processor 610 is also configured to, in response to a third input, change the renewal period of the automatic renewal function of the first application to the target renewal period.

[0128] In the embodiments of this application, when the automatic renewal function of the first application is detected to be enabled, the payment date of the automatic renewal function is obtained; if the time interval between the payment date and the current date is less than a first threshold, first information describing the cost-effectiveness of enabling the automatic renewal function is displayed based on the alternative information of the first application and the user's usage information of the first application within a first time period. Here, the first information can be determined and displayed before the payment date based on the alternative information of the first application and the user's usage information of the first application within a first time period before the current date, which makes it easier for users to quickly and accurately understand the cost-effectiveness of enabling the automatic renewal function, and can help users decide whether to disable the automatic renewal function of the first application, and whether to change the payment cycle of the automatic renewal function of the first application. Therefore, the efficiency of users managing the automatic renewal function of applications can be improved.

[0129] It should be understood that, in this embodiment, the input unit 604 may include a graphics processing unit (GPU) 6041 and a microphone 6042. The GPU 6041 processes image data of still images or video images obtained by an image capture device (such as a camera) in video image capture mode or image capture mode. The display unit 606 may include a display panel 6061, which may be configured in the form of a liquid crystal display, an organic light-emitting diode, etc. The user input unit 607 includes at least one of a touch panel 6071 and other input devices 6072. The touch panel 6071 is also called a touch screen. The touch panel 6071 may include a touch detection device and a touch controller. Other input devices 6072 may include, but are not limited to, physical keyboards, function keys (such as volume control buttons, power buttons, etc.), trackballs, mice, and joysticks, which will not be described in detail here. The memory 609 can be used to store software programs and various data, including but not limited to applications and motion systems. Processor 610 can integrate an application processor and a modem processor. The application processor mainly handles the action system, user page, and applications, while the modem processor mainly handles wireless communication. It is understood that the modem processor may not be integrated into processor 610.

[0130] The memory 609 can be used to store software programs and various data. The memory 609 may primarily include a first storage area for storing programs or instructions and a second storage area for storing data. The first storage area may store the operating system, application programs or instructions required for at least one function (such as sound playback, image playback, etc.). Furthermore, the memory 609 may include volatile memory or non-volatile memory, or it may include both volatile and non-volatile memory. The non-volatile memory may be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. Volatile memory can be random access memory (RAM), static random access memory (SRAM), dynamic random access memory (DRAM), synchronous dynamic random access memory (SDRAM), double data rate synchronous dynamic random access memory (DDRSDRAM), enhanced synchronous dynamic random access memory (ESDRAM), synchronous link dynamic random access memory (SLDRAM), and direct memory bus RAM (DRRAM). The memory 609 in this embodiment includes, but is not limited to, these and any other suitable types of memory.

[0131] Processor 610 may include one or more processing units; optionally, processor 610 integrates an application processor and a modem processor, wherein the application processor mainly handles operations involving the operating system, user interface, and applications, and the modem processor mainly handles wireless communication signals, such as a baseband processor. It is understood that the aforementioned modem processor may also not be integrated into processor 610.

[0132] This application also provides a readable storage medium storing a program or instructions. When the program or instructions are executed by a processor, they implement the various processes of the above-described network payment method embodiments and achieve the same technical effect. To avoid repetition, they will not be described again here.

[0133] The processor is the processor in the electronic device described in the above embodiments. The readable storage medium includes computer-readable storage media, such as computer read-only memory (ROM), random access memory (RAM), magnetic disk, or optical disk.

[0134] This application embodiment also provides a chip, which includes a processor and a communication interface. The communication interface is coupled to the processor. The processor is used to run programs or instructions to implement the various processes of the above-described network payment method embodiments and can achieve the same technical effect. To avoid repetition, it will not be described again here.

[0135] It should be understood that the chip mentioned in the embodiments of this application may also be referred to as a system-on-a-chip, system chip, chip system, or system-on-a-chip, etc.

[0136] This application provides a computer program product that is stored in a storage medium and executed by at least one processor to implement the various processes of the above-described network payment method embodiments, and can achieve the same technical effect. To avoid repetition, it will not be described again here.

[0137] It should be noted that, in this document, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes that element. Furthermore, it should be noted that the scope of the methods and apparatuses in the embodiments of this application is not limited to performing functions in the order shown or discussed, but may also include performing functions substantially simultaneously or in the reverse order, depending on the functions involved. For example, the described methods may be performed in a different order than described, and various steps may be added, omitted, or combined. Additionally, features described with reference to certain examples may be combined in other examples.

[0138] Through the above description of the embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus necessary general-purpose hardware platforms. Of course, they can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, can be embodied in the form of a computer software product. This computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk) and includes several instructions to cause a terminal (which may be an electronic device, computer, server, or network device, etc.) to execute the methods described in the various embodiments of this application.

[0139] The embodiments of this application have been described above with reference to the accompanying drawings. However, this application is not limited to the specific embodiments described above. The specific embodiments described above are merely illustrative and not restrictive. Those skilled in the art can make many other forms under the guidance of this application without departing from the spirit and scope of the claims, and all of these forms are within the protection scope of this application.

Claims

1. A method for online payment, characterized in that, The method includes: If the automatic renewal function of the first application is detected to be enabled, obtain the payment date of the automatic renewal function; If the time interval between the payment date and the current date is less than a first threshold, first information is displayed based on the replacement information of the first application and the user's usage information of the first application within the first time period. The first information is used to describe the cost-effectiveness of activating the automatic renewal function. The first time period is prior to the current date; Before displaying the first information based on the alternative information of the first application and the user's usage information of the first application within a first time period, the method further includes: Obtain the user's usage time and number of times of the value-added services in the first application within the first time period, and obtain the payment information of the value-added services in the second application; The usage information is determined based on the usage duration and the number of uses. The substitution information is determined based on the payment information for the value-added services in the second application, and the substitution information is used to describe the substitutability of the first application used by the user; The alternative information is determined based on the payment information of the value-added services in the second application, including: the ratio of the usage duration of the value-added services, the number of times the value-added services are used, the number of value-added services, and the total number of services in the first application, and the payment information of the value-added services in the second application.

2. The method according to claim 1, characterized in that, After displaying the first information based on the alternative information of the first application and the user's usage information of the first application within a first time period, the method further includes: Receive the user's first input on the first information; in response to the first input, disable the automatic renewal function of the first application; Alternatively, receive a second input from the user regarding the first information; in response to the second input, change the renewal period of the automatic renewal function of the first application.

3. The method according to claim 1, characterized in that, If, during the first time period, the user's usage time of the value-added service exceeds a preset duration, the first information is used to describe the high cost-effectiveness of the first application. or, If, during the first time period, the user uses the value-added service more than a preset number of times, the first information is used to describe the first application as having a high cost-performance ratio. or, If the cost of the value-added service in the second application is higher than the cost of the value-added service in the first application, the first information is used to describe the first application as having a high cost-performance ratio.

4. The method according to claim 2, characterized in that, The step of changing the renewal period of the automatic renewal function of the first application in response to the second input includes: In response to the second input, obtain fee information corresponding to at least one first renewal period, wherein the first renewal period is different from the current renewal period; If the cost-effectiveness of the target renewal period is higher than that of the current renewal period, second information is displayed, which includes the target renewal period; wherein, the at least one first renewal period includes the target renewal period, and the cost-effectiveness of the target renewal period is determined based on the cost information of the target renewal period and the duration of the target renewal period; Receive the user's third input regarding the second information; In response to the third input, the renewal period of the automatic renewal function of the first application is changed to the target renewal period.

5. A network payment device, characterized in that, The device includes: The first acquisition module is used to acquire the payment date of the automatic renewal function when the automatic renewal function of the first application is detected to be enabled. The display module is used to display first information based on the replacement information of the first application and the user's usage information of the first application within the first time period when the time interval between the payment date and the current date is less than a first threshold. The first information is used to describe the cost-effectiveness of activating the automatic renewal function. Wherein, the first time period is prior to the current date; The device further includes: The second acquisition module is used to acquire the user's usage time and number of times of the value-added service in the first application during the first time period, and to acquire the payment information of the value-added service in the second application. A determination module is used to determine the usage information based on the usage duration and the number of uses; The determining module is further configured to determine the substitution information based on the payment information of the value-added service in the second application. The substitution information is used to describe the substitutability of the first application used by the user. Determining the substitution information based on the payment information of the value-added service in the second application includes: determining the substitution information based on the ratio of the usage duration of the value-added service, the number of times the value-added service is used, the number of value-added services, and the total number of services in the first application, and the payment information of the value-added service in the second application.

6. The apparatus according to claim 5, characterized in that, The device further includes: A first receiving module is configured to receive the user's first input on the first information; The closing module is used to close the automatic renewal function of the first application in response to the first input. The second receiving module is used to receive the user's second input on the first information; The module is configured to change the renewal period of the automatic renewal function of the first application in response to the second input.

7. The apparatus according to claim 5, characterized in that, If, during the first time period, the user's usage time of the value-added service exceeds a preset duration, the first information is used to describe the high cost-effectiveness of the first application. or, If, during the first time period, the user uses the value-added service more than a preset number of times, the first information is used to describe the first application as having a high cost-performance ratio. or, If the cost of the value-added service in the second application is higher than the cost of the value-added service in the first application, the first information is used to describe the first application as having a high cost-performance ratio.

8. The apparatus according to claim 6, characterized in that, The modification module specifically includes: an acquisition submodule, used to acquire, in response to the second input, at least one fee information corresponding to a first renewal period, wherein the first renewal period is different from the current renewal period; The display submodule is used to display second information when the cost-effectiveness of the target renewal period is higher than that of the current renewal period. The second information includes the target renewal period. The at least one first renewal period includes the target renewal period, and the cost-effectiveness of the target renewal period is determined based on the cost information of the target renewal period and the duration of the target renewal period. A receiving submodule is used to receive the user's third input on the second information; The modification submodule is configured to, in response to the third input, change the renewal period of the automatic renewal function of the first application to the target renewal period.

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