A payment method, device, electronic device and readable medium

Abstract

Based on the above technical problems, the present application provides a payment method, device, electronic device and readable medium. The method includes: obtaining payment credential information and a target merchant ID, the payment credential information is used to identify the biometric information corresponding to the payment account; performing account verification according to the payment credential information, obtaining account information corresponding to the payment credential information, the account information is associated with at least one favorite product list, each favorite product list is associated with a merchant ID; obtaining a target favorite product list associated with the target merchant ID from at least one favorite product list; performing payment operations according to the target favorite product list. The method can reduce the time required to enter goods, shorten the transaction process, and improve transaction efficiency and user experience.

Description

Technical Field

[0001] The present application relates to the field of robots, and in particular to a payment method, device, electronic device and readable medium. Background Art

[0002] With the development of mobile payment, payment methods based on facial, fingerprint or palm print information are becoming more and more popular. Through these payment methods, the payment confirmation and verification process can be completed through a single interactive operation.

[0003] Currently, in the transaction process based on this type of payment identification method, the user or business personnel usually enters the goods to be purchased into the shopping list first, and then verifies and confirms the payment through payment identification to complete the payment transaction process.

[0004] However, in the related art, each time the process of entering goods takes a long time, which prolongs the overall transaction process, resulting in low transaction efficiency and poor user experience. Summary of the invention

[0005] Based on the above technical problems, the present application provides a payment method, device, electronic device and readable medium to reduce the time required to enter goods, shorten the transaction process, and improve transaction efficiency and user experience.

[0006] Other features and advantages of the present application will become apparent from the following detailed description, or may be learned in part by the practice of the present application.

[0007] According to one aspect of an embodiment of the present application, a payment method is provided, including:

[0008] Obtaining payment credential information and a target merchant identifier, wherein the payment credential information is used to identify biometric information corresponding to a payment account;

[0009] Performing account verification according to the payment credential information to obtain account information corresponding to the payment credential information, wherein the account information is associated with at least one favorite product list, and each favorite product list is associated with a merchant identifier;

[0010] Acquire a target favorite product list associated with the target merchant identifier from the at least one favorite product list;

[0011] The payment operation is performed according to the target collection product list.

[0012] According to one aspect of an embodiment of the present application, a payment device is provided, including:

[0013] An information acquisition module, used to acquire payment credential information and a target merchant identifier, wherein the payment credential information is used to identify biometric information corresponding to a payment account;

[0014] An account verification module, configured to perform account verification according to the payment credential information, and obtain account information corresponding to the payment credential information, wherein the account information is associated with at least one favorite product list, and each favorite product list is associated with a merchant identifier;

[0015] A list acquisition module, configured to acquire a target collection product list associated with the target merchant identifier from the at least one collection product list;

[0016] The payment operation module is used to perform payment operations according to the target collection product list.

[0017] In one embodiment of the present application, based on the above technical solution, the payment operation module includes:

[0018] A product list display unit, used to display the target collection product list;

[0019] The payment confirmation unit is used to perform a payment operation on the commodities in the target collection commodity list in response to a confirmation operation on the target collection commodity list.

[0020] In one embodiment of the present application, based on the above technical solution, the biometric information is facial information; the product list display unit includes:

[0021] A payment entry display subunit, used to display a collection product payment entry if the payment credential information is facial information;

[0022] The list display subunit is used to display the target collection commodity list in response to the confirmation operation on the collection commodity payment entry.

[0023] In one embodiment of the present application, based on the above technical solution, the payment device further includes:

[0024] An input information display module, used for displaying input commodity prompt information if there is no target collection commodity list associated with the target merchant identifier in the account information;

[0025] A result display module, used to receive an input commodity list and perform payment operations according to the input commodity list, and obtain and display a payment result page;

[0026] An associated prompt display module, used to display a collection associated prompt for the entered commodity list on the payment result page;

[0027] A list creation module is used to create a collection product list associated with the target merchant identifier in the account information according to the input product list in response to an association confirmation operation for the collection association prompt.

[0028] In one embodiment of the present application, based on the above technical solution, the target merchant logo includes a store logo and a brand logo; the associated prompt display module includes:

[0029] A commodity display unit, configured to display commodities in the entered commodity list and at least one of a store logo association prompt and a brand logo association prompt corresponding to each commodity on the payment result page;

[0030] List building modules include:

[0031] a list generating unit, configured to generate the collection commodity list in response to an association confirmation operation for the collection association prompt, according to an operation result for at least one of the store logo association prompt and the brand logo association prompt, wherein the collection commodity list includes an association relationship between the commodity and at least one of the store logo and the brand logo;

[0032] The list storage unit is used to establish an association relationship between the favorite product list and the account information.

[0033] In one embodiment of the present application, based on the above technical solution, the favorite product list includes at least one of a store favorite product list and a brand favorite product list; the list generation unit includes:

[0034] A result acquisition subunit, used for acquiring a selection result of at least one of the store logo association prompt and the brand logo association prompt in the payment result page;

[0035] A store list generating subunit is used to establish an association relationship between the corresponding product and the store logo if there is a selection result for the store logo association prompt, and obtain a list of favorite products of the store;

[0036] The brand list generating subunit is used to establish an association relationship between the corresponding product and the brand logo if there is a selection result for the brand logo association prompt, so as to obtain the brand collection product list.

[0037] In one embodiment of the present application, based on the above technical solution, the list acquisition module includes:

[0038] a list acquisition subunit, configured to acquire, from the account information, at least one of a store collection product list associated with the store identifier and a brand collection product list associated with the brand identifier;

[0039] The list merging subunit is used to merge the products in the store collection product list with the products in the brand collection product list to obtain the target collection product list if the store collection product list and the brand collection product list are obtained.

[0040] In one embodiment of the present application, based on the above technical solution, the payment device further includes:

[0041] An update information receiving module, used for receiving a commodity identifier and commodity update information associated with the commodity identifier;

[0042] An account information acquisition module, used to acquire the account information corresponding to the collection product list containing the product identifier according to the product identifier;

[0043] The update message sending module is used to send a product update message to the payment account according to the account information, wherein the product update message includes the product update information.

[0044] In one embodiment of the present application, based on the above technical solution, the account verification module includes:

[0045] an information identification unit, configured to perform information identification according to the payment credential information to obtain a target payment credential, wherein the target payment credential corresponds to the payment account, the payment account includes an information authorization rule, a plurality of account data, and at least one favorite product list, wherein the information authorization rule is used to indicate account data authorized for use according to the payment credential among the plurality of account data;

[0046] An account data acquisition unit, configured to acquire target account data authorized for use by the target payment credential according to the information authorization rule and the target payment credential;

[0047] An information determination unit is used to determine at least one favorite product list of the payment account and the target account data as account information.

[0048] In one embodiment of the present application, based on the above technical solution, the payment device further includes:

[0049] An account login module, used to log in to the payment account corresponding to the target payment credential according to the account identifier and the target payment credential;

[0050] Payment operation module, including:

[0051] The payment settlement unit is used to make payment settlement for the commodities in the target collection commodity list according to the account balance in the payment account.

[0052] In one embodiment of the present application, based on the above technical solution, the biometric information is palm print information, the target payment voucher is first palm print data, and the account data also includes payment information; the payment settlement unit includes:

[0053] a prompt display subunit, configured to display a payment prompt to obtain second palm print data if the account balance in the payment account does not satisfy the settlement conditions of the products in the target collection product list, wherein the second palm print data and the first palm print data correspond to different palm print data of the same payment account;

[0054] an account verification subunit, configured to perform account verification according to the acquired second palm print data, and acquire payment information corresponding to the second palm print data according to the account verification result;

[0055] The settlement subunit is used to perform payment settlement for the commodities in the target collection commodity list according to the payment information.

[0056] In one embodiment of the present application, based on the above technical solution, the payment account includes multiple information authorization rules, each information authorization rule corresponds to a payment scenario; the payment device also includes:

[0057] A merchant type determination module, used to determine the merchant type of a target merchant and the membership relationship of the payment account in the target merchant according to the payment account and the target merchant identifier;

[0058] A scenario determination module, used to determine the current payment scenario according to the merchant type and the membership relationship;

[0059] The rule acquisition module is used to acquire the information authorization rule corresponding to the current payment scenario from the multiple information authorization rules.

[0060] According to one aspect of an embodiment of the present application, an electronic device is provided, comprising: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the payment method in the above technical solution by executing the executable instructions.

[0061] According to one aspect of an embodiment of the present application, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the payment method in the above technical solution is implemented.

[0062] According to one aspect of the embodiments of the present application, a computer program product or a computer program is provided, the computer program product or the computer program includes computer instructions, the computer instructions are stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the payment method provided in the above-mentioned various optional implementations.

[0063] In an embodiment of the present application, when a consumer makes a purchase, the payment device will obtain a list of favorite items for the merchant in the payment account based on the payment credential information provided by the consumer, and perform payment operations based on the list of favorite items, thereby eliminating the need to enter the items in the list of favorite items during the payment process, thereby reducing the time required to enter the items, shortening the transaction process, and improving transaction efficiency and user experience.

[0064] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0065] The drawings herein are incorporated into the specification and constitute a part of the specification, illustrate embodiments consistent with the present application, and together with the specification are used to explain the principles of the present application. Obviously, the drawings described below are only some embodiments of the present application, and for ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0066] In the attached picture:

[0067] Figure 1 A system architecture diagram of an embodiment of the present application in an application scenario;

[0068] Figure 2 This is a schematic structural diagram of a payment system in an embodiment of the present application;

[0069] Figure 3 This is a schematic flow chart of the overall process of the payment method in the embodiment of the present application;

[0070] Figure 4 This is a schematic flow chart of a payment method in an embodiment of the present application;

[0071] Figure 5 This is a schematic diagram of a display page for a target collection product list in an embodiment of the present application;

[0072] Figure 6 This is a page schematic diagram of the collection management prompt display page in the embodiment of the present application;

[0073] Figure 7This is a schematic flow chart of a complete embodiment of the present application;

[0074] Figure 8 This is a schematic structural diagram of a payment system in an embodiment of the present application;

[0075] Fig. 9 This is a schematic flow chart of a complete embodiment of the present application;

[0076] Fig.10 The following schematically shows a block diagram of the components of a payment device in an embodiment of the present application;

[0077] Fig.11 A schematic diagram of the structure of a computer system suitable for implementing an electronic device of an embodiment of the present application is shown. DETAILED DESCRIPTION

[0078] Example embodiments will now be described more fully with reference to the accompanying drawings. However, example embodiments can be implemented in a variety of forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this application will be more comprehensive and complete and fully convey the concept of the example embodiments to those skilled in the art.

[0079] In addition, described feature, structure or characteristic can be combined in one or more embodiments in any suitable manner. In the following description, many specific details are provided to provide a full understanding of the embodiments of the present application. However, those skilled in the art will appreciate that the technical scheme of the present application can be put into practice without one or more of the specific details, or other methods, components, devices, steps, etc. can be adopted. In other cases, known methods, devices, realizations or operations are not shown or described in detail to avoid blurring the various aspects of the application.

[0080] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities may be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0081] The flowcharts shown in the accompanying drawings are only exemplary and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps can be decomposed, and some operations / steps can be combined or partially combined, so the actual execution order may change according to actual conditions.

[0082] It should be understood that the solution of the present application can be applied to the scenario of mobile payment, and is specifically applied to the payment scenario of frequent purchases and single items. In such scenarios, the solution of the present application can be applied to the payment settlement terminals of various stores, or to the supporting mobile terminals. These terminals usually have biometric recognition technologies such as facial recognition or palm print recognition. Taking the payment settlement terminal of the store as an example, applying the solution of the present application, consumers can create corresponding collection commodity lists for the store or the merchant of the store. When consumers need to buy goods, if the shopper has collected frequently purchased goods in the store, the payment settlement terminal will directly add the goods in the collection commodity list to the list of purchased goods after determining the identity of the consumer based on facial recognition or palm print recognition, so that in the process of purchase, these goods do not need to be entered into the list of purchased goods one by one, saving the time of entering goods and the waiting time of consumers, thereby improving the overall efficiency and user experience of the payment process.

[0083] Figure 1 This is a system architecture diagram of an embodiment of the present application in an application scenario. Figure 1 As shown, the application scenario includes a mobile terminal 110, a payment terminal 120 and a server 130. The mobile terminal 110 is a mobile device held by a consumer, such as a mobile phone or a tablet computer. In the solution of the present application, the consumer can use the application installed on the mobile terminal 110 to replace, add or delete the goods in the collection goods list, and receive relevant notifications about the goods sent by the server 130, such as supply changes or price changes. The payment terminal 120 is usually a payment settlement device held by a merchant and placed in a store. When consumers settle their consumption, they will settle the purchased goods through the payment terminal 120. The payment terminal 120 usually has a collection module, a display module and a communication module. The collection module will collect the corresponding biometric features of the consumer (such as palm prints or faces) according to the verification method configured in the payment terminal 120. The display module is used to display various information and interactive interfaces of the consumption process to the consumer, and the communication module is used to communicate with the server 130 to perform authentication and payment processes and obtain corresponding data. The server 130 is used to support the operation of the payment terminal 120, for example, providing the payment terminal 120 with corresponding account data and a list of favorite products according to the biometrics provided by the payment terminal 120, and performing payment settlement according to the request of the payment terminal 120. The server 130 also communicates with the mobile terminal 110 to send corresponding notifications.

[0084] Server 130 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms, etc., which are not limited here. Server 130 may be composed of multiple servers, and each server is used to perform a separate function.

[0085] The mobile terminal 110 includes but is not limited to a mobile phone, a computer, an intelligent voice interaction device, a smart home appliance, or a vehicle-mounted terminal. The mobile terminal 110, the payment terminal 120, and the server 130 may be directly or indirectly connected via wired or wireless communication, and this application does not limit this. The number of mobile terminals, payment terminals, and servers is also not limited. The related processing of the mobile terminal, payment terminal, and server in this application may be implemented through cloud technology or artificial intelligence.

[0086] Artificial Intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results. In other words, artificial intelligence is a comprehensive technology in computer science that attempts to understand the essence of intelligence and produce a new intelligent machine that can respond in a similar way to human intelligence. Artificial intelligence is to study the design principles and implementation methods of various intelligent machines so that the machines have the functions of perception, reasoning and decision-making. In the scheme of this application, the relevant technologies of artificial intelligence can be used to carry out the recognition process of biometrics.

[0087] Specifically, the specific structure of each device in the embodiment of the present application can refer to Figure 2 . Figure 2 Schematic diagram of the payment system in the embodiment of the present application. Figure 2As shown, the payment system includes a mobile phone 210, a payment device 220 and a backend service 230. Among them, the payment device 220 is installed with a face and palm swiping application, which includes a palm face collection module, a home screen module, a collection module and a result page module. The payment device 220 also includes a 3D camera for collecting face or palm data. The palm face collection module is used to call the 3D camera to collect the user's current face streaming media data. After the payment device 220 obtains the streaming media, it will filter the streaming media. The screening is to select the best face picture through a comprehensive evaluation of coefficient indicators such as face size, face angle, image contrast, image brightness and clarity, and then send the picture to the backend service for face recognition. The home screen module is used to control the buttons on the home screen according to the recognition results, such as identity status and collection status. The collection module is used to further pull the current consumer's collection information after the consumer's identity is identified. The back end will execute the rules set by the store, merchant and other consumers to filter. The filtered results will be displayed in this module. After the consumer selects the relevant product, the payment is directly initiated. The result page module is used to display the current payment result information. If the consumer has not collected the relevant products, the entrance to the "Unlink Quick Face and Palm Payment" button will be displayed. After the consumer clicks the entrance, he will jump to the association interface, where he can make the association. When making the association, the user will be reminded that the merchant's information release channel will be further associated in this link to provide subsequent message notifications when the product price changes.

[0088] The backend service 230 mainly includes palm face recognition service, basic account service, payment service and merchant ERP service. The palm face recognition service is used to extract features of the current image after receiving the palm face data uploaded by the payment device 220, and compare the features with the features in the database to find the feature data with the highest score, and compare the relevant face data with the face in the backend database. The basic account service is used to call this service to obtain the identity information of the current consumer after the palm face recognition is successful. The payment service includes the merchant management service and the account collection association management service. The merchant management service is used to manage the relevant information on the payment merchant side. The core of the account collection association management service provides the function of associating the user with the goods bound to the current payment account. After identifying the current account, the backend service 230 will further retrieve all the associated information of the current account, and filter it in combination with the consumer's previous association (such as merchant association, or store association), and then send the data to the payment device 220 after filtering. The merchant ERP service is a service for managing goods. After adjusting the price of the relevant product, the merchant will send a message to the user's mobile phone. After receiving the message, the user can click it to jump to the corresponding collection management applet to make relevant adjustments to the collection items, such as deletion. The mobile phone 210 will send a message, and the consumer will jump to the collection management applet after clicking the message. In the applet, the consumer can query the information of the collection product, or remove the product and other related operations.

[0089] The solution of the present application can be applied to the payment settlement process of consumers purchasing goods in the above application scenarios, especially in the scenario where consumers repeatedly purchase the same goods in multiple consumptions. The technical solution provided by the present application is described in detail below in conjunction with specific implementation methods.

[0090] The following is an introduction to the overall process of the payment method in the embodiment of the present application. Figure 3 , Figure 3 Schematic flow chart of the overall process of the payment method in the embodiment of this application. Figure 3 As shown, the overall process of the payment method is mainly for face-swiping payment and palm-swiping payment. Among them, face-swiping payment is a representative of payment methods that cannot represent the consumer's intention. The payment voucher of this type of payment cannot represent the consumer's intention due to the possibility of misjudgment. For example, for face-swiping payment, the consumer may just happen to be in the collection range of the collection module. For other gestures or action verifications, the consumer may also make corresponding gestures and actions due to coincidence. Even if the payment device obtains the corresponding payment voucher, it will not be able to directly confirm whether the consumer has the subjective intention to consume. Palm-swiping payment is a representative of payment methods that can represent the consumer's intention. Since this type of payment voucher will not be collected under normal circumstances, it represents the consumer's intention. For example, the action of opening the palm and approaching the collection device is usually not a misoperation. Therefore, the process range of the payment method is the face-swiping payment process and the palm-swiping payment process. In the face-swiping payment process, in step 301, when the face is close to the face-swiping device, the face image will be collected, and then face recognition will be performed in step 302. According to the result of face recognition, the identity of the current consumer and whether there is a corresponding collection will be confirmed in step 303. If there is, a quick face payment button will be displayed in step 304. When the consumer clicks the button, the collection product information will be displayed in step 305, and the payment will be directly confirmed in step 306. If the identity cannot be confirmed or there is no collection, a regular face payment button will be displayed in step 307, and the product will be entered and paid in step 308. Finally, in step 309, the consumer is confirmed to associate the entered product with the collection. If the consumer confirms the collection, the collection product is confirmed in step 310, and the association with the store or the association with the merchant is saved.

[0091] like Figure 3As shown, the process of palm payment is basically similar to the process of face payment. Among them, in step 311, when the consumer's palm is close to the palm swiping device, the palm image will be collected, and the palm recognition will be performed in step 312. In step 313, the identity of the consumer and whether there are any collected goods are confirmed based on the results of palm recognition. The main difference is that after the identity is confirmed and the collection exists, and when the identity cannot be confirmed or there is no collection, there is no need to display the payment button for confirmation. For the case of confirmed identity and the existence of collection, directly enter the step of displaying the collection product information, and for the case of unable to confirm the identity or no collection, directly enter the product entry process and payment step. The subsequent steps are the same for the two processes, and will not be repeated here.

[0092] For ease of introduction, see Figure 4 , Figure 4 This is a schematic flow chart of a payment method in an embodiment of the present application. The method can be applied to the above-mentioned payment terminal. In the embodiment of the present application, the payment method is introduced with the payment terminal as the execution subject, and the payment method may include the following steps S410 to S440:

[0093] Step S410, obtaining payment credential information and a target merchant identifier, wherein the payment credential information is used to identify biometric information corresponding to the payment account.

[0094] Specifically, payment credential information is usually biometric information collected by the payment terminal through a collection device, such as a palm print image or a facial image. Each payment credential information usually corresponds to a unique payment account. The collection of payment credential information is usually triggered by the interaction between the consumer and the payment terminal, such as the consumer showing his palm to the collection device of the payment terminal or exposing his face to the facial camera of the payment terminal. The target merchant identifier is an identifier used to distinguish merchants. The target merchant identifier can correspond to a specific store or merchant brand. For example, for a chain store, each store has its own identifier, and there is also a corresponding identifier for the entire chain brand.

[0095] Step S420, performing account verification according to the payment credential information to obtain account information corresponding to the payment credential information, wherein the account information is associated with at least one favorite product list, and each favorite product list is associated with a merchant identifier.

[0096] In this embodiment, the payment device will perform account verification based on the obtained payment credential information, so as to determine the account information corresponding to the payment credential information. For example, the payment device can obtain the login information of the corresponding payment account through the payment credential information, and then use the login information to obtain the account information of the payment account. It is understandable that since the account verification has been performed through the payment credential information, the payment device can directly log in to the payment account without the need for additional verification procedures. The account information usually includes relevant information for payment settlement and at least one favorite product list, and each favorite product list is associated with a merchant identifier. The favorite product list contains the products that the consumer has collected for the merchant. These products are usually products that users will buy repeatedly or want to buy.

[0097] Step S430: Acquire a target favorite product list associated with the target merchant identifier from the at least one favorite product list.

[0098] The payment device will obtain a target favorite product list associated with the target merchant identifier from at least one favorite product list associated with the account information based on the previously obtained target merchant identifier. The target favorite product list includes the products that the consumer has previously collected for the merchant or store, usually products that have been purchased multiple times at the merchant or store.

[0099] In one embodiment, the merchant identifier may be an information point corresponding to the merchant, and the collection product list is associated with the information point. After the account is verified according to the payment credential information, the payment device will determine the closest information point according to the positioning information of the payment device, and obtain the collection product list corresponding to the payment credential information associated with the information point through the information point, thereby allowing consumers to set different product collection lists for merchants in different locations. In particular, when the payment device is deployed on the consumer's mobile terminal, the information point of the nearest merchant can be found on the map according to the positioning information of the mobile terminal, and then the collection product list bound to the information point by the consumer can be obtained according to the information point. Specifically, in this embodiment, the payment device does not need to obtain the account information, but after the account verification is passed, according to the information point obtained by positioning, and according to the account identifier, the target product collection list corresponding to the account identifier is queried from the product collection list bound to the information point.

[0100] Step S440: performing payment operation according to the target collection product list.

[0101] The payment device will perform payment operations based on the acquired target collection product list. Specifically, the payment device will add all the products in the target collection product list to the list of products to be paid. The list of products to be paid is a list of products that the consumer wants to purchase in this consumption, which may already contain some of the entered products, and these entered products are usually products that are not in the target collection product list. In one embodiment, the payment device will display the products in the target collection product list together with the products in the list of products to be paid to the consumer, and after the consumer confirms, the payment settlement will be made according to the payment information in the account information. In another embodiment, the products in the target collection product list will be settled directly, for example, the settlement process will be directly carried out according to the settlement rules that the consumer has agreed and authorized in advance without further confirmation.

[0102] In an embodiment of the present application, when a consumer makes a purchase, the payment device will obtain a list of favorite items for the merchant in the payment account based on the payment credential information provided by the consumer, and perform payment operations based on the list of favorite items, thereby eliminating the need to enter the items in the list of favorite items during the payment process, thereby reducing the time required to enter the items, shortening the transaction process, and improving transaction efficiency and user experience.

[0103] In one embodiment of the present application, based on the above technical solution, the biometric information is facial information; the above step S440, performing a payment operation according to the target collection product list, specifically includes the following steps:

[0104] Displaying the target collection product list;

[0105] In response to a confirmation operation on the target collection product list, a payment operation is performed on the products in the target collection product list.

[0106] In this embodiment, the biometric information is facial information. When the payment device performs a payment operation, it will first display the target collection product list. That is, when the consumer pays by face recognition, the consumer will be asked to confirm the start of the face recognition payment function in order to confirm the consumer's willingness to pay. For the sake of convenience, please refer to Figure 5 , Figure 5 Schematic diagram of a display page of a target collection product list in an embodiment of the present application. Figure 5As shown, the display interface of the target collection product list will include each product in the list and the corresponding purchase information, such as price and number of purchases. In one embodiment, consumers can add or reduce products in the displayed page, or adjust the number of purchases. The display interface of the target collection product list will also include a confirmation button. Consumers can confirm the target collection product list by clicking or triggering the button. The payment device will respond to the confirmation operation on the target collection product list and perform a payment operation on the products in the target collection product list. Specifically, the payment device can merge the displayed collection products with the previously entered products and then display them to the user, and prompt the operation of confirming or providing authentication information required for the payment process.

[0107] In the embodiment of the present application, by displaying the target collection product list before payment, and making payment in response to confirmation of the target collection product list, erroneous payment caused by non-subjective provision of payment credential information can be avoided, which is conducive to improving the stability of the solution.

[0108] In one embodiment of the present application, based on the above technical solution, the above steps of displaying the target collection product list specifically include the following steps:

[0109] If the payment credential information is facial information, display the payment entry for the collection product;

[0110] In response to a confirmation operation on the collection commodity payment entry, the target collection commodity list is displayed.

[0111] In this embodiment, if the payment credential information provided by the consumer is facial information, that is, the payment device performs facial recognition, the collection of goods payment entry will be displayed first. The payment device is usually in a silent recognition state, that is, the consumer does not need to actively start the face scanning process through operation, but as long as the consumer directly provides facial information to the collection module of the payment device, such as pointing the face to the camera, the facial information collection process can be started and the payment process of this application can be triggered. In the case where the payment credential information is facial information, the collection of goods payment entry is usually in the form of a button on its display page, and the display page may also include another product entry button. When the consumer clicks or triggers the button of the collection of goods payment entry, the payment device will respond to the confirmation operation of the collection of goods payment entry, display the target collection of goods list, and then perform the payment process for the collected goods. If the consumer triggers the product entry button, the payment device will prompt the consumer to enter the goods to be purchased and perform the subsequent payment process.

[0112] In an embodiment of the present application, if the payment credential information is facial information, the collection item payment entrance will be displayed before the target collection item list is displayed. After the collection item payment entrance is confirmed, the target collection item list will be further displayed, so that the payment device will only display the collection item payment entrance when it is in line with the consumer's wishes, avoiding the tedious operation of mistakenly displaying the collection item list and then canceling it, which is beneficial to the stability of the solution.

[0113] In one embodiment of the present application, based on the above technical solution, in the above step S420, after performing account verification according to the payment credential information and obtaining the account information corresponding to the payment credential information, the method of the present application further includes the following steps:

[0114] If the target collection product list associated with the target merchant identifier does not exist in the account information, display product entry prompt information;

[0115] Receive an input commodity list and perform payment operations according to the input commodity list, and obtain and display a payment result page;

[0116] Displaying a collection association prompt for the entered product list on the payment result page;

[0117] In response to an association confirmation operation for the collection association prompt, a collection product list associated with the target merchant identifier is established in the account information according to the input product list.

[0118] In this embodiment, if there is no target collection commodity list associated with the target merchant identifier in the account information, for example, if the consumer consumes at the current merchant or store for the first time, or has not collected any commodity before, the payment device will directly display the commodity entry prompt information. The commodity entry prompt information can be a prompt message displayed on the page where the commodity list has been entered, so as to prompt the consumer to enter the commodity to be purchased into the payment device. After receiving the entered commodity list, the payment device performs a payment operation according to the entered commodity list, thereby obtaining a payment result page and displaying the payment result to the consumer. Finally, on the payment result page, a collection association prompt for the entered commodity list is displayed. The page will contain the commodities purchased by the consumer this time, and a confirmation button for whether to associate the commodity with the merchant for collection. The consumer can change the commodity to be collected on the page, and confirm the association of the collection association prompt by triggering the corresponding confirmation button. The payment device will respond to the association confirmation operation for the collection association prompt, and establish a collection commodity list associated with the target merchant identifier in the account information according to the entered commodity list. For example, the payment device may directly create a favorite product list based on the products in the input product list and the merchant ID of the current merchant, and enter the list into the account information.

[0119] In an embodiment of the present application, when there is no favorite product list for the merchant, after the consumer enters the product and pays, the payment device will prompt to generate a list by adding the entered product to the favorite product list, thereby eliminating the need to enter additional products when creating the favorite product list, simplifying the creation operation of the favorite product list and helping to improve the overall execution efficiency of the solution.

[0120] In one embodiment of the present application, based on the above technical solution, the target merchant identifier includes a store identifier and a brand identifier; the above step of displaying a collection association prompt for the input product list on the payment result page specifically includes the following steps:

[0121] Displaying the commodities in the entered commodity list and at least one of a store logo association prompt and a brand logo association prompt corresponding to each commodity on the payment result page;

[0122] The above step, in response to the association confirmation operation for the collection association prompt, establishes a collection product list associated with the target merchant identifier in the account information according to the input product list, specifically includes the following steps:

[0123] In response to an association confirmation operation for the collection association prompt, generating the collection product list according to an operation result for at least one of the store logo association prompt and the brand logo association prompt, wherein the collection product list includes an association relationship between the product and at least one of the store logo and the brand logo;

[0124] An association relationship between the favorite product list and the account information is established.

[0125] In this embodiment, there are two logos for each store, namely, the store logo and the brand logo. The store logo corresponds to each store. Different stores of the same brand or each store of a chain store will have different store logos, but merchants of the same brand have the same brand logo. On the payment result page, for each product, an associated prompt will be displayed, i.e., a corresponding button or option. For ease of introduction, please refer to Figure 6 , Figure 6 This is a schematic diagram of a page showing a collection management prompt display page in an embodiment of the present application. Figure 6As shown, in the payment result page, the products A, B, C and D in the entered product list are displayed, and corresponding buttons or options for associated stores and associated merchants are set for each product. Consumers can set different associated objects for each product. The payment result page also includes a confirmation button, and consumers can collect the associated prompts and perform the association confirmation operation by clicking or triggering the confirmation button. The payment device will generate a collection product list based on the selection results of the corresponding buttons or options for the associated stores and associated merchants. The generated collection product list will include store logos and brand logos, as well as the store logo or brand logo associated with each product. The generated collection product list is associated with the account information for subsequent use.

[0126] It is understandable that for the collection product list in this embodiment, when the collection product needs to be displayed, the payment device will search for the corresponding product from the account information according to the store logo and brand logo received. Usually, the payment device will obtain a collection product list according to the store logo, and obtain the product associated with the store logo from it, and the payment device can obtain one or more collection product lists according to the brand logo, and obtain the product associated with the brand logo from it, and the products associated with the store logo are summarized, so as to obtain a complete collection product list.

[0127] In an embodiment of the present application, when creating a list of favorite products, consumers are allowed to associate products with store logos and brand logos, so that the effective range of the favorite products can be controlled, which is conducive to personalized settings and improves the flexibility of the solution.

[0128] In one embodiment of the present application, based on the above technical solution, the favorite product list includes at least one of a store favorite product list and a brand favorite product list; the above step, according to at least one of the operation results of the store logo association prompt and the brand logo association prompt, generates the favorite product list, specifically including the following steps:

[0129] Obtaining a selection result of at least one of the store logo association prompt and the brand logo association prompt in the payment result page;

[0130] If there is a selection result for the store logo association prompt, establish an association relationship between the corresponding product and the store logo, and obtain a list of favorite products of the store;

[0131] If there is a selection result for the brand logo association prompt, an association relationship between the corresponding product and the brand logo is established to obtain a list of brand collection products.

[0132] In this embodiment, the collection product list includes at least one of a store collection product list and a brand collection product list. When generating and updating the collection product list, the list will be updated according to the object associated with the product. Specifically, the payment device will obtain the consumer's selection result for the store logo association prompt and the brand logo association prompt from the payment result page. Subsequently, the payment device will create or obtain a store collection product list associated with the store logo, and add the products associated with the store logo to the store collection product list, thereby establishing an association relationship between the product and the store logo. Similarly, for the brand logo, the payment device will create or obtain a brand collection product list associated with the brand logo, and add the products associated with the brand logo to the brand collection product list, thereby establishing an association relationship between the product and the brand logo. It is understandable that each store favorite product list is usually associated with a store logo, and each store favorite product list is usually associated with a brand logo, and different stores of the same brand can have the same brand logo. Therefore, the products in the store favorite product list are usually from a specific store and will only be used when the consumer visits the corresponding store, while the products in the brand favorite list may come from multiple stores and will be used when the consumer visits any store of the brand, even if the consumer may not have visited the specific store before.

[0133] In an embodiment of the present application, the products associated with the store and the brand are managed separately through the store favorite product list and the brand favorite product list, so that the products in the favorite product list are dispersed into each list. Compared with the comprehensively managed favorite product list, the number of products in each list is reduced, which is conducive to quick search and positioning when modifying the products in the list, reducing the difficulty of operation and improving the operation efficiency.

[0134] In one embodiment of the present application, based on the above technical solution, the above step of obtaining a target favorite product list associated with the target merchant identifier from the at least one favorite product list specifically includes the following steps:

[0135] Acquire, from the at least one favorite product list, at least one product list in the store favorite product list associated with the store logo and the brand favorite product list associated with the brand logo;

[0136] If the store collection product list and the brand collection product list are obtained, the products in the store collection product list are merged with the products in the brand collection product list to obtain the target collection product list.

[0137] In this embodiment, the target merchant identification obtained by the payment device includes a store identification and a brand identification. When obtaining the target collection product list, the payment device will find the store collection product list associated with the store identification and the brand collection product list associated with the brand identification from at least one collection product list associated with the account information according to the obtained store identification, and merge the products in the store collection product list with the products in the brand collection product list, so as to obtain the target collection product list. In one embodiment, the target collection product list may vary depending on different payment credential information. Specifically, each payment account can usually be bound to multiple payment credentials, such as facial information, palm print information of the left and right palms, and fingerprint information of each finger. The account information may be configured with a corresponding relationship between the payment credential and the store identification and the brand identification. When obtaining the product collection list, the corresponding store collection product list or brand collection product list is obtained according to the obtained payment credential and its corresponding store identification or brand. For example, for a certain store, the consumer binds the left palm print information to the store identification of the store, binds the right palm print information to the brand identification of the store, and binds the facial information to both the store identification and the brand identification. When making a purchase, if the payment device obtains the palm print information of the left palm, only the store collection product list is obtained as the target collection product list. Similarly, if the payment device obtains the palm print information of the right palm, only the brand collection product list is obtained as the target collection product list, and if the payment device obtains the facial information, the two lists are obtained and combined to obtain the target collection product list.

[0138] In an embodiment of the present application, by obtaining the corresponding store collection product list and brand collection product list according to the store logo and brand logo respectively, without having to retrieve the corresponding products from the mixed list, the amount of calculation when obtaining the collection product list is reduced, thereby improving the operating efficiency of the payment process.

[0139] The following is a complete implementation of the above solution. Figure 7 , Figure 7 This is a schematic flow chart of a complete embodiment of the present application. Figure 7As shown, in step 701, the payment credential information and the target merchant identification are obtained, wherein the payment credential information is the biometric information used to identify the payment account, and the target merchant identification includes the store identification and the brand identification. Subsequently, in step 702, the account verification is performed according to the payment credential information to obtain the account information corresponding to the payment credential information, wherein the account information is associated with at least one favorite product list, each favorite product list is associated with a merchant identification, and the favorite product list includes at least one of a store favorite product list and a brand favorite product list. In step 703, it is determined whether there is a target favorite product list associated with the target merchant identification in the account information. In step 704, if there is a target favorite product list associated with the target merchant identification in the account information, the store favorite product list associated with the store identification and the brand favorite product list associated with the brand identification are obtained from the account information, and in step 705, the products in the store favorite product list are merged with the products in the brand favorite product list to obtain the target favorite product list. In step 706, if the payment credential information is facial information, the favorite product payment entrance is displayed. In step 707, in response to the confirmation operation on the collection goods payment entry, the target collection goods list is displayed, and then in step 708, in response to the confirmation operation on the target collection goods list, the payment operation is performed on the goods in the target collection goods list. In step 709, if the target collection goods list associated with the target merchant ID does not exist in the account information, the entry goods prompt information is displayed, and then in step 710, the entry goods list is received and the payment operation is performed according to the entry goods list, and the payment result page is obtained and displayed. After that, in step 711, the goods in the entry goods list and the store logo association prompt and brand logo association prompt corresponding to each product are displayed on the payment result page. When the consumer confirms the association, in step 712, in response to the association confirmation operation for the collection association prompt, the selection result of the store logo association prompt and the brand logo association prompt on the payment result page is obtained. Then, in step 713, according to the selection result of the store logo association prompt, the association relationship between the corresponding product and the store logo is established to obtain a store favorite product list, and in step 714, according to the selection result of the brand logo association prompt, the association relationship between the corresponding product and the brand logo is established to obtain a brand favorite product list. Finally, in step 715, the association relationship between the favorite product list and the account information is established.

[0140] In one embodiment of the present application, based on the above technical solution, before the above step S410, obtaining the payment credential information and the target merchant identifier, the method further includes the following steps:

[0141] receiving a product identifier and product update information associated with the product identifier;

[0142] According to the product identifier, obtaining the account information corresponding to the favorite product list containing the product identifier;

[0143] A product update message is sent to the payment account according to the account information, wherein the product update message includes the product update information.

[0144] In this embodiment, when the merchant modifies the price or supply status of a product, its product management system will send product update information to the payment device, which will include the product identification and the changes to the product, such as price changes or out of stock or product removal. After receiving the product identification and product update information, the payment device will retrieve all collection product lists containing the product identification according to the product identification, and further obtain the account information corresponding to these collection product lists. Subsequently, the payment device sends the product update information to the payment account according to the account information to notify the consumer that the price or status of the collected product has changed. The consumer can modify, delete, and perform other operations on the products in his collection product list based on the received message.

[0145] In an embodiment of the present application, the payment device sends a product update message to the payment account that collects the product according to the updated information of the product, which is conducive to timely maintenance and updating of the collection product list and improves the efficiency of conveying product change messages.

[0146] In one embodiment of the present application, consumers can customize the personal information corresponding to their payment credentials, thereby protecting the scope of use of their personal information. Figure 8 , Figure 8 Schematic diagram of the payment system in the embodiment of the present application. Figure 8 As shown, the payment system includes a mobile terminal 810, a payment device 820 and a backend service 830. It can be understood that Figure 8 The structure in can actually be Figure 2 The corresponding structures in are deployed on the same device. Figure 8As shown, the mobile terminal 810 is used to run the application, which includes a login module, a service module, and a mini program. After the consumer logs in to the payment account in the application, the palm management mini program can be opened through the service module. The mini program will display the authorization status of the current scenes, such as the authorization status of the information of different palms (left palm or right palm) in various scenes (transportation, store, no one, etc.). For example, in the offline face payment scene in the store, the information of the left palm is authorized. After the palm is swiped, the user ID and payment code and other personal data related to the individual will be returned. Consumers can adjust each scene through the mini program, such as clicking the authorization adjustment button of a palm in a certain scene, and can customize the relevant return information. For example, in the offline face payment scene in the store, the user can choose to return only the account ID for logging in to the member, and then use the member system for payment without returning the payment code. For example, in the non-member system in the store, the user can choose to return only the payment code for payment, without returning other irrelevant information, so as to allow consumers to control the personal data that can be accessed by the merchant side. The set data will be transmitted to the backend service 830 for control.

[0147] The payment device 820 is used to run the palm and face recognition application and the merchant application. The palm and face recognition application includes a palm recognition module, a network module, a communication module, etc. The merchant application provides merchant-side commodity management capabilities, such as a shopping module and a member login module, etc. The merchant application calls the palm and face recognition application through the communication module to perform palm and face recognition and obtain the consumer's account information.

[0148] The palm collection and recognition of the palm and face swiping application is similar to the above-mentioned recognition module and will not be described in detail here. The network module of the palm and face swiping application is used to send the image to the backend service 830 for recognition after obtaining the preferred image, and obtain the relevant data of the palm in the scene from the backend service 830, that is, the account identification, payment points, or payment code and other data.

[0149] The backend service 830 includes a palm recognition service, a basic service, an account service, a payment service, and a payment score service. Among them, the palm recognition service is used to extract features of the current image after receiving the palm data uploaded by the payment device 820, and compare the features with the features in the database to find the feature data with the highest score, and compare the relevant palm data with the palm in the backend database. The payment service and the payment score service are used to exchange the consumer's identity information with the palm, and then further exchange the payment code or payment score information level according to the identity information. The payment code is similar to the payment code generation rule displayed on the mobile phone, and can be paid directly in the merchant system. The payment score credit level generation rule is the same as the mobile phone, and the payment settlement can be made directly in the merchant system. The customized information authorization service is used to receive the custom information service in the mini program end of the mobile phone end 810. After receiving the list acquisition request, it will further pull the authorization status of the corresponding palm in different scenarios. When the consumer adjusts the settings, the relevant updated data will be written into the database, and the subsequent data will be the adjusted and customized data when the payment device 820 is used.

[0150] In one embodiment of the present application, based on the above technical solution, the above step S420 performs account verification according to the payment credential information to obtain the account information corresponding to the payment credential information, which specifically includes the following steps:

[0151] Perform information identification according to the payment voucher information to obtain a target payment voucher, wherein the target payment voucher corresponds to the payment account, and the payment account includes an information authorization rule, a plurality of account data, and at least one favorite product list, wherein the information authorization rule is used to indicate the account data authorized to be used according to the payment voucher among the plurality of account data;

[0152] According to the information authorization rule and the target payment credential, obtaining the target account data authorized for use by the target payment credential;

[0153] At least one favorite item list of the payment account and the target account data are determined as account information.

[0154] In this embodiment, the consumer can configure information authorization rules in the payment account in advance, and set the account data that the payment device can obtain when providing different payment credential information through information authorization rules. Specifically, after receiving the payment credential information, the payment device performs information identification according to the payment credential information to obtain the target payment credential. For example, the payment credential information is a palm print picture taken, and the payment device performs palm print identification on the palm print picture, thereby obtaining the identification result as the target payment credential. There is a binding relationship between the payment credential and the payment account, and each payment credential uniquely corresponds to a payment account, but each payment account can be bound to multiple payment credential. The account information of the payment account will include information authorization rules, multiple account data and at least one list of favorite products. The account data is the actual personal data content of the payment account, such as account identification, personal information such as the real name of the account owner, payment code for payment settlement, bank account address, account balance and credit information. The information authorization rule is used to specify the account data that is authorized to be available for different payment credentials. When the payment device obtains account information from the payment account, it will obtain account data according to the scope of the payment credential authorization. Specifically, the payment device obtains target account data authorized for use by the target payment credential according to the information authorization rule and the target payment credential, and then determines at least one favorite product list of the payment account and the target account data as the account information.

[0155] In an embodiment of the present application, by restricting the information authorization rules in the payment account, the payment device can only obtain the account data authorized by the payment credential as the account information, thereby allowing different available data to be set for different payment credentials, allowing the owner of the payment account to customize the use rules of their personal data, and improving the security of personal information.

[0156] In one embodiment of the present application, based on the above technical solution, the target account data is an account identifier; before performing a payment operation according to the target collection product list in step S440, the method further includes the following steps:

[0157] According to the account identifier and the target payment credential, log in to the payment account corresponding to the target payment credential;

[0158] The above step S440, performing a payment operation according to the target collection product list, specifically includes the following steps:

[0159] The payment settlement is performed for the commodities in the target collection commodity list according to the account balance in the payment account.

[0160] In this embodiment, the target account data is an account identifier, that is, the payment device obtains the account identifier of the payment account through the payment voucher provided by the consumer. The payment device will log in to the payment account according to the account identifier and the target payment voucher, and then directly use the account balance of the payment account to pay and settle the goods in the target collection goods list when performing payment operations. Specifically, when the consumer performs operations such as recharging in a specific merchant, there will be a corresponding account balance in his payment account. These account balances can be used for payment. In this case, the payment device does not need information such as payment code or bank account when making payment settlement, only the account login information and balance information of the account are required. In the corresponding information authorization rules, the rules corresponding to the merchant can be included, and the specific payment voucher such as the palm print information of the left palm or the right palm can be bound to the account identifier, so that when the specific payment voucher is provided, the payment device can only obtain the account identifier according to the payment voucher, so as to make payment settlement through the balance.

[0161] In an embodiment of the present application, the payment account is logged in by obtaining an account ID through a payment credential, and the payment settlement is completed using the balance of the payment account. This can reduce the acquisition of irrelevant personal information without the need for a payment code, which is beneficial to improving the protection of personal information.

[0162] In one embodiment of the present application, based on the above technical solution, the biometric information is palm print information, the target payment voucher is the first palm print data, and the account data also includes payment information; the above steps, according to the account balance in the payment account, pay and settle the goods in the target collection goods list, specifically include the following steps:

[0163] If the account balance in the payment account does not meet the settlement conditions of the products in the target collection product list, display a payment prompt to obtain second palm print data, where the second palm print data and the first palm print data correspond to different palm print data of the same payment account;

[0164] Performing account verification according to the acquired second palmprint data, and acquiring payment information corresponding to the second palmprint data according to the account verification result;

[0165] According to the payment information, payment settlement is performed for the commodities in the target collection commodity list.

[0166] In this embodiment, the biometric information is palm print information, and the target payment voucher is the first palm print data. If the payment device cannot complete the payment settlement based on the balance of the payment account, it will further require the consumer to supplement the second palm print data to obtain the payment information of the payment account to complete the payment process. The second palm print data and the first palm print data correspond to different palm print data of the same payment account, that is, when the first palm print data is the palm print of the left palm, the second palm print data is the palm print of the right palm.

[0167] Specifically, if the account balance in the payment account does not meet the settlement conditions of the goods in the target collection goods list, such as insufficient balance, or the account balance can only purchase specific goods and the target collection goods list contains goods that cannot be purchased with the account balance, the payment device will display a payment prompt to prompt the consumer to provide the second palm print data, so as to obtain the image of the second palm print. For example, the payment device can display a prompt on the screen that the balance is insufficient and please provide a payment code, so that the user can perform palm print recognition of another palm to provide supplementary credential information. The first palm print data and the second palm print data are both information used to identify the payment account, such as palm prints of different palms, fingerprints of different fingers, or facial information. The payment device will then obtain the supplementary credential information through the acquisition module, and perform account verification based on the obtained second palm print data. For example, feature extraction and comparison are performed based on the palm print image of the second palm print data to determine the corresponding payment account. The payment device will further verify whether the payment account corresponding to the second palm print data and the first palm print data is the same account. After verification, the payment device will obtain the payment information corresponding to the second palm print data. Subsequently, payment is made for the products in the target collection product list according to the payment information. The payment settlement process can be performed sequentially with the settlement of the account balance, that is, the account balance is used to settle the products in the target collection product list first, until the account balance is insufficient to settle the next product, and then the remaining products are settled according to the payment information.

[0168] In an embodiment of the present application, if the payment device cannot complete the payment through the previously obtained payment credential, it will further obtain another payment credential to obtain payment information for payment settlement, thereby ensuring that the payment information in the payment account will not be directly exposed to the payment status, avoiding unnecessary exposure of personal information, and improving information security.

[0169] In one embodiment of the present application, based on the above technical solution, the payment account includes multiple information authorization rules, each of which corresponds to a payment scenario; the above step, according to the information authorization rule and the target payment voucher, obtains the target account data authorized for use by the target payment voucher, and the method further includes the following steps:

[0170] Determining the merchant type of the target merchant and the membership relationship of the payment account with the target merchant according to the payment account and the target merchant identifier;

[0171] Determine the current payment scenario according to the merchant type and the membership relationship;

[0172] From the multiple information authorization rules, an information authorization rule corresponding to the current payment scenario is obtained.

[0173] In this embodiment, the payment device can judge the current payment scenario according to the membership status of the payment account in the merchant, and determine the information authorization rules to be used according to the payment scenario. Specifically, the payment device can query the merchant type of the target merchant and the membership relationship of the payment account in the target merchant according to the payment account and the target merchant identifier. Merchant types generally include transportation, stores, unmanned supermarkets, and online. Merchants can be divided according to business content and qualifications, such as whether they are certified by an authority. The membership relationship of the payment account in the target merchant will include the membership relationship in a specific store and the membership relationship for the entire brand. According to the merchant type and membership relationship, the payment device determines the current payment scenario. The payment scenario is usually a combination of merchant type and membership relationship, such as store members, store non-members, unmanned store members, and unmanned store non-members. Each payment account will contain multiple information authorization rules, each of which corresponds to a payment scenario, thereby specifying the account data available in the payment scenario. The payment device obtains the information authorization rule corresponding to the current payment scenario from multiple information authorization rules, so as to further perform the subsequent payment process according to the information authorization rule. For example, for store membership scenarios, the information authorization rules may stipulate that only the account identification can be obtained, so that only member login and balance payment can be performed, while for store non-member scenarios, it is stipulated that only the payment code can be obtained for payment, so as to avoid the payment device from obtaining unnecessary account identification and other information. It is understandable that for some payment scenarios, some account data will be necessary data. For example, for store non-member scenarios, payment information is usually necessary information. If there is no payment information, the payment device will not be able to complete the payment process. Therefore, such information is usually not adjustable in the information authorization rules, that is, the consumer can decide whether the payment device can obtain the account identification, but the payment information must be provided.

[0174] In an embodiment of the present application, the payment device determines the payment scenario based on the membership relationship between the payment account and the target merchant, and further determines the information authorization rules to be used based on the payment scenario, thereby allowing consumers to set available account data for relevant application scenarios, which is conducive to improving the information security experience of the consumption process and the controllability of personal information.

[0175] The following is a complete implementation of the above solution. Fig. 9 , Fig. 9 This is a schematic flow chart of a complete embodiment of the present application. Fig. 9 As shown, in step 901, the payment device obtains payment credential information and a target merchant identifier, and the payment credential information is biometric information used to identify a payment account. Subsequently, in step 902, information identification is performed according to the payment credential information to obtain a target payment credential. Among them, the target payment credential corresponds to a payment account, and the payment account contains multiple information authorization rules, multiple account data, and at least one favorite product list. Each favorite product list is associated with a merchant identifier. The information authorization rule is used to indicate the account data authorized for use according to the payment credential in multiple account data, and each information authorization rule corresponds to a payment scenario. Subsequently, in step 903, the payment device determines the merchant type of the target merchant and the membership relationship of the payment account in the target merchant according to the payment account and the target merchant identifier, and determines the current payment scenario according to the merchant type and the membership relationship in step 904. In step 905, the payment device obtains the information authorization rule corresponding to the current payment scenario from multiple information authorization rules, and in step 906, obtains the target account data authorized for use by the target payment credential according to the information authorization rule and the target payment credential, wherein the target account data includes the account identifier and the payment information. In step 907, the payment device determines at least one favorite product list of the payment account and the target account data as account information. Subsequently, in step 908, the target favorite product list associated with the target merchant identifier is obtained from the account information. In step 909, the payment device logs in to the payment account corresponding to the target payment voucher based on the account identifier and the target payment voucher, and in step 910, if the account balance in the payment account does not meet the settlement conditions of the products in the target favorite product list, a payment prompt is displayed to obtain supplementary voucher information, wherein the supplementary voucher information is used to identify the payment account. After obtaining the supplementary voucher information, in step 911, the payment device performs account verification based on the obtained supplementary voucher information, and obtains payment information corresponding to the supplementary voucher information based on the account verification result. Finally, in step 912, the payment device performs payment settlement for the products in the target favorite product list based on the payment information.

[0176] It should be noted that although the steps of the method in the present application are described in a specific order in the drawings, this does not require or imply that the steps must be performed in this specific order, or that all the steps shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps, etc.

[0177] The following introduces the device implementation of the present application, which can be used to execute the equity certificate management method in the above-mentioned embodiment of the present application. Fig.10 The block diagram of the payment device in the embodiment of the present application is schematically shown. Fig.10 As shown, the payment device 1000 may mainly include:

[0178] An information acquisition module 1010 is used to acquire payment credential information and a target merchant identifier, wherein the payment credential information is used to identify biometric information corresponding to a payment account;

[0179] An account verification module 1020, configured to perform account verification according to the payment credential information, and obtain account information corresponding to the payment credential information, wherein the account information is associated with at least one favorite product list, and each favorite product list is associated with a merchant identifier;

[0180] A list acquisition module 1030, configured to acquire a target favorite product list associated with the target merchant identifier from the at least one favorite product list;

[0181] The payment operation module 1040 is used to perform payment operations according to the target collection product list.

[0182] In one embodiment of the present application, based on the above technical solution, the payment operation module 1040 includes:

[0183] A product list display unit, used to display the target collection product list;

[0184] The payment confirmation unit is used to perform a payment operation on the commodities in the target collection commodity list in response to a confirmation operation on the target collection commodity list.

[0185] In one embodiment of the present application, based on the above technical solution, the biometric information is facial information; the product list display unit includes:

[0186] A payment entry display subunit, used to display a collection product payment entry if the payment credential information is facial information;

[0187] The list display subunit is used to display the target collection commodity list in response to the confirmation operation on the collection commodity payment entry.

[0188] In one embodiment of the present application, based on the above technical solution, the payment device 1000 further includes:

[0189] An input information display module, used for displaying input commodity prompt information if there is no target collection commodity list associated with the target merchant identifier in the account information;

[0190] A result display module, used to receive an input commodity list and perform payment operations according to the input commodity list, and obtain and display a payment result page;

[0191] An associated prompt display module, used to display a collection associated prompt for the entered commodity list on the payment result page;

[0192] A list creation module is used to create a collection product list associated with the target merchant identifier in the account information according to the input product list in response to an association confirmation operation for the collection association prompt.

[0193] In one embodiment of the present application, based on the above technical solution, the target merchant logo includes a store logo and a brand logo; the associated prompt display module includes:

[0194] A commodity display unit, configured to display commodities in the entered commodity list and at least one of a store logo association prompt and a brand logo association prompt corresponding to each commodity on the payment result page;

[0195] List building modules include:

[0196] a list generating unit, configured to generate the collection commodity list in response to an association confirmation operation for the collection association prompt, according to an operation result for at least one of the store logo association prompt and the brand logo association prompt, wherein the collection commodity list includes an association relationship between the commodity and at least one of the store logo and the brand logo;

[0197] The list storage unit is used to establish an association relationship between the favorite product list and the account information.

[0198] In one embodiment of the present application, based on the above technical solution, the favorite product list includes at least one of a store favorite product list and a brand favorite product list; the list generation unit includes:

[0199] A result acquisition subunit, used for acquiring a selection result of at least one of the store logo association prompt and the brand logo association prompt in the payment result page;

[0200] A store list generating subunit is used to establish an association relationship between the corresponding product and the store logo if there is a selection result for the store logo association prompt, and obtain a list of favorite products of the store;

[0201] The brand list generating subunit is used to establish an association relationship between the corresponding product and the brand logo if there is a selection result for the brand logo association prompt, so as to obtain the brand collection product list.

[0202] In one embodiment of the present application, based on the above technical solution, the list acquisition module 1030 includes:

[0203] a list acquisition subunit, configured to acquire, from the account information, at least one of a store collection product list associated with the store identifier and a brand collection product list associated with the brand identifier;

[0204] The list merging subunit is used to merge the products in the store collection product list with the products in the brand collection product list to obtain the target collection product list if the store collection product list and the brand collection product list are obtained.

[0205] In one embodiment of the present application, based on the above technical solution, the payment device 1000 further includes:

[0206] An update information receiving module, used for receiving a commodity identifier and commodity update information associated with the commodity identifier;

[0207] An account information acquisition module, used to acquire the account information corresponding to the collection product list containing the product identifier according to the product identifier;

[0208] The update message sending module is used to send a product update message to the payment account according to the account information, wherein the product update message includes the product update information.

[0209] In one embodiment of the present application, based on the above technical solution, the account verification module 1020 includes:

[0210] an information identification unit, configured to perform information identification according to the payment credential information to obtain a target payment credential, wherein the target payment credential corresponds to the payment account, the payment account includes an information authorization rule, a plurality of account data, and at least one favorite product list, wherein the information authorization rule is used to indicate account data authorized for use according to the payment credential among the plurality of account data;

[0211] An account data acquisition unit, configured to acquire target account data authorized for use by the target payment credential according to the information authorization rule and the target payment credential;

[0212] An information determination unit is used to determine at least one favorite product list of the payment account and the target account data as account information.

[0213] In one embodiment of the present application, based on the above technical solution, the payment device 1000 further includes:

[0214] An account login module, used to log in to the payment account corresponding to the target payment credential according to the account identifier and the target payment credential;

[0215] The payment operation module 1040 includes:

[0216] The payment settlement unit is used to make payment settlement for the commodities in the target collection commodity list according to the account balance in the payment account.

[0217] In one embodiment of the present application, based on the above technical solution, the biometric information is palm print information, the target payment voucher is first palm print data, and the account data also includes payment information; the payment settlement unit includes:

[0218] a prompt display subunit, configured to display a payment prompt to obtain second palm print data if the account balance in the payment account does not satisfy the settlement conditions of the products in the target collection product list, wherein the second palm print data and the first palm print data correspond to different palm print data of the same payment account;

[0219] an account verification subunit, configured to perform account verification according to the acquired second palm print data, and acquire payment information corresponding to the second palm print data according to the account verification result;

[0220] The settlement subunit is used to perform payment settlement for the commodities in the target collection commodity list according to the payment information.

[0221] In one embodiment of the present application, based on the above technical solution, the payment account includes multiple information authorization rules, each information authorization rule corresponds to a payment scenario; the payment device 1000 also includes:

[0222] A merchant type determination module, used to determine the merchant type of a target merchant and the membership relationship of the payment account in the target merchant according to the payment account and the target merchant identifier;

[0223] A scenario determination module, used to determine the current payment scenario according to the merchant type and the membership relationship;

[0224] The rule acquisition module is used to acquire the information authorization rule corresponding to the current payment scenario from the multiple information authorization rules.

[0225] It should be noted that the apparatus provided in the above embodiment and the method provided in the above embodiment belong to the same concept, wherein the specific manner in which each module performs the operation has been described in detail in the method embodiment and will not be repeated here.

[0226] Fig.11A schematic diagram of the structure of a computer system suitable for implementing an electronic device of an embodiment of the present application is shown.

[0227] It should be noted that Fig.11 The computer system 1100 of the electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0228] like Fig.11 As shown, the computer system 1100 includes a central processing unit (CPU) 1101, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 1102 or the program loaded from the storage part 1108 to the random access memory (RAM) 1103. Various programs and data required for system operation are also stored in the RAM 1103. The CPU 1101, the ROM 1102, and the RAM 1103 are connected to each other through a bus 1104. An input / output (I / O) interface 1105 is also connected to the bus 1104.

[0229] The following components are connected to the I / O interface 1105: an input section 1106 including a keyboard, a mouse, etc.; an output section 1107 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1108 including a hard disk, etc.; and a communication section 1109 including a network interface card such as a LAN (Local Area Network) card, a modem, etc. The communication section 1109 performs communication processing via a network such as the Internet. A drive 1110 is also connected to the I / O interface 1105 as needed. A removable medium 1111, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1110 as needed so that a computer program read therefrom is installed into the storage section 1108 as needed.

[0230] In particular, according to an embodiment of the present application, the process described in each method flow chart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product, which includes a computer program carried on a computer readable medium, and the computer program contains a program code for executing the method shown in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication part 1109, and / or installed from a removable medium 1111. When the computer program is executed by a central processing unit (CPU) 1101, various functions defined in the system of the present application are executed.

[0231] It should be noted that the computer-readable medium shown in the embodiment of the present application may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, - but not limited to - an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by an instruction execution system, device or device or used in combination with it. In the present application, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, wherein a computer-readable program code is carried. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate, or transmit programs for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0232] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the above-mentioned module, program segment or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0233] It should be noted that, although several modules or units of the equipment for action execution are mentioned in the above detailed description, this division is not mandatory. In fact, according to the embodiments of the present application, the features and functions of two or more modules or units described above can be embodied in one module or unit. On the contrary, the features and functions of one module or unit described above can be further divided into being embodied by multiple modules or units.

[0234] Through the description of the above implementation methods, it is easy for those skilled in the art to understand that the example implementation methods described here can be implemented by software or by combining software with necessary hardware. Therefore, the technical solution according to the implementation methods of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the implementation methods of the present application.

[0235] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. The present application is intended to cover any modification, use or adaptation of the present application, which follows the general principles of the present application and includes common knowledge or customary technical means in the art that are not disclosed in the present application.

[0236] It should be understood that the present application is not limited to the precise 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 application is limited only by the appended claims.

Claims

1. A payment method, characterized in that: include: Obtaining payment credential information and a target merchant identifier, wherein the payment credential information is used to identify biometric information corresponding to a payment account; Performing account verification according to the payment credential information to obtain account information corresponding to the payment credential information, wherein the account information is associated with at least one favorite product list, and each favorite product list is associated with a merchant identifier; Acquire a target favorite product list associated with the target merchant identifier from the at least one favorite product list; Perform payment operations according to the target collection product list; The performing of account verification according to the payment credential information to obtain account information corresponding to the payment credential information includes: Perform information identification according to the payment voucher information to obtain a target payment voucher, wherein the target payment voucher corresponds to the payment account, and the payment account includes an information authorization rule, a plurality of account data, and at least one favorite product list, wherein the information authorization rule is used to indicate the account data authorized to be used according to the payment voucher among the plurality of account data; According to the information authorization rule and the target payment credential, obtaining the target account data authorized for use by the target payment credential; At least one favorite item list of the payment account and the target account data are determined as account information.

2. The method according to claim 1, characterized in that The payment operation according to the target collection product list includes: Displaying the target collection product list; In response to a confirmation operation on the target collection product list, a payment operation is performed on the products in the target collection product list.

3. The method according to claim 2, characterized in that The biometric information is facial information; and the displaying of the target collection product list includes: If the payment credential information is facial information, display the payment entry for the collection product; In response to a confirmation operation on the collection commodity payment entry, the target collection commodity list is displayed.

4. The method according to claim 1, characterized in that: After performing account verification according to the payment credential information and obtaining account information corresponding to the payment credential information, the method further includes: If the target collection product list associated with the target merchant identifier does not exist in the account information, display product entry prompt information; Receive an input commodity list and perform payment operations according to the input commodity list, and obtain and display a payment result page; Displaying a collection association prompt for the entered product list on the payment result page; In response to an association confirmation operation for the collection association prompt, a collection product list associated with the target merchant identifier is established in the account information according to the input product list.

5. The method according to claim 4, characterized in that The target merchant logo includes a store logo and a brand logo; The displaying of the collection association prompt for the entered product list on the payment result page includes: Displaying the commodities in the entered commodity list and at least one of a store logo association prompt and a brand logo association prompt corresponding to each commodity on the payment result page; In response to the association confirmation operation for the collection association prompt, establishing a collection product list associated with the target merchant identifier in the account information according to the input product list, including: In response to an association confirmation operation for the collection association prompt, generating the collection product list according to an operation result for at least one of the store logo association prompt and the brand logo association prompt, wherein the collection product list includes an association relationship between the product and at least one of the store logo and the brand logo; An association relationship between the favorite product list and the account information is established.

6. The method according to claim 5, characterized in that The favorite product list includes at least one of a store favorite product list and a brand favorite product list, and generating the favorite product list according to an operation result of at least one of the store logo association prompt and the brand logo association prompt includes: Obtaining a selection result of at least one of the store logo association prompt and the brand logo association prompt in the payment result page; If there is a selection result for the store logo association prompt, establish an association relationship between the corresponding product and the store logo, and obtain a list of favorite products of the store; If there is a selection result for the brand logo association prompt, an association relationship between the corresponding product and the brand logo is established to obtain a list of brand collection products.

7. The method according to claim 6, characterized in that The acquiring a target favorite product list associated with the target merchant identifier from the at least one favorite product list comprises: Acquire, from the at least one favorite product list, at least one product list in the store favorite product list associated with the store logo and the brand favorite product list associated with the brand logo; If the store collection product list and the brand collection product list are obtained, the products in the store collection product list are merged with the products in the brand collection product list to obtain the target collection product list.

8. The method according to claim 1, characterized in that: Before obtaining the payment credential information and the target merchant identifier, the method further includes: receiving a product identifier and product update information associated with the product identifier; According to the product identifier, obtaining the account information corresponding to the favorite product list containing the product identifier; A product update message is sent to the payment account according to the account information, wherein the product update message includes the product update information.

9. The method according to claim 1, characterized in that: The target account data is an account identifier; before performing a payment operation according to the target collection product list, the method further includes: According to the account identifier and the target payment credential, log in to the payment account corresponding to the target payment credential; The payment operation according to the target collection product list includes: The payment settlement is performed for the commodities in the target collection commodity list according to the account balance in the payment account.

10. The method according to claim 9, characterized in that The biometric information is palm print information, the target payment voucher is first palm print data, and the account data also includes payment information; performing payment settlement for the products in the target collection product list according to the account balance in the payment account includes: If the account balance in the payment account does not meet the settlement conditions of the products in the target collection product list, display a payment prompt to obtain second palm print data, where the second palm print data and the first palm print data correspond to different palm print data of the same payment account; Performing account verification according to the acquired second palmprint data, and acquiring payment information corresponding to the second palmprint data according to the account verification result; According to the payment information, payment settlement is performed for the commodities in the target collection commodity list.

11. The method according to claim 1, characterized in that: The payment account includes a plurality of information authorization rules, each of which corresponds to a payment scenario; before obtaining the target account data authorized for use by the target payment voucher according to the information authorization rules and the target payment voucher, the method further includes: Determining the merchant type of the target merchant and the membership relationship of the payment account with the target merchant according to the payment account and the target merchant identifier; Determine the current payment scenario according to the merchant type and the membership relationship; From the multiple information authorization rules, an information authorization rule corresponding to the current payment scenario is obtained.

12. A payment device, characterized in that: include: An information acquisition module, used to acquire payment credential information and a target merchant identifier, wherein the payment credential information is used to identify biometric information corresponding to a payment account; An account verification module, configured to perform account verification according to the payment credential information, and obtain account information corresponding to the payment credential information, wherein the account information is associated with at least one favorite product list, and each favorite product list is associated with a merchant identifier; A list acquisition module, configured to acquire a target collection product list associated with the target merchant identifier from the at least one collection product list; A payment operation module, used to perform payment operations according to the target collection product list; The account verification module comprises: an information identification unit, configured to perform information identification according to the payment credential information to obtain a target payment credential, wherein the target payment credential corresponds to the payment account, the payment account includes an information authorization rule, a plurality of account data, and at least one favorite product list, wherein the information authorization rule is used to indicate account data authorized for use according to the payment credential among the plurality of account data; An account data acquisition unit, configured to acquire target account data authorized for use by the target payment credential according to the information authorization rule and the target payment credential; An information determination unit is used to determine at least one favorite product list of the payment account and the target account data as account information.

13. An electronic device, characterized in that: include: processor; A memory, configured to store executable instructions of the processor; Wherein, the processor is configured to perform the payment method described in any one of claims 1 to 11 by executing the executable instructions.

14. A computer readable medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the payment method according to any one of claims 1 to 11 is implemented.

15. A computer program product, characterized in that The computer program product includes computer instructions, which are stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the payment method according to any one of claims 1 to 11.

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