Order payment processing method and apparatus

Abstract

The embodiment of the present specification provides an order payment processing method and device, wherein the order payment processing method comprises: in a payment process, creating a to-be-paid order according to merchant order information and user account information, obtaining operation data of a virtual signature operation of the to-be-paid order and issuing the operation data to a user terminal, performing payment processing of the to-be-paid order according to the user account information, obtaining payment result data, constructing payment recommendation data containing the payment result data and issuing the payment recommendation data to the user terminal, and performing payment rendering recommendation according to the payment recommendation data.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to an order payment processing method and apparatus. Background Technology

[0002] With the continuous development of Internet technology and the continuous improvement of hardware, NFC (Near Field Communication) technology has begun to be applied in various scenarios. Users' personal terminals can be configured with NFC components to perform operations such as access control identification, information transmission, and quick payment, providing users with many conveniences. As an emerging payment method, NFC payment has been welcomed for its simplicity and speed. However, as more and more users use NFC payment, their needs for NFC payment are also becoming more diversified. Users hope that the user experience of NFC payment will be better, which puts forward higher requirements for NFC payment providers. Summary of the Invention

[0003] This specification provides one or more embodiments of an order payment processing method applied to a server. The method includes: creating a payment-pending order based on merchant order information and user account information. The user account information is obtained by the merchant device from a user terminal via a near-field communication connection. Operation data for a virtual signature operation of the payment-pending order is obtained and sent to the user terminal to execute the virtual signature operation. Payment processing for the payment-pending order is performed based on the user account information to obtain payment result data. Payment recommendation data containing the payment result data is constructed and sent to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

[0004] This specification provides one or more embodiments of another order payment processing method applied to a user terminal. The method includes: establishing a near-field communication (NFC) connection with a merchant device by invoking a NFC component, and sending user account information to the merchant device through the NFC connection; receiving operation data for a virtual signature operation of an order to be paid from a server, and performing the virtual signature operation according to the operation data; the order to be paid being created based on the user account information and merchant order information uploaded by the merchant device; receiving payment recommendation data constructed and issued by the server based on the order payment result and merchant materials of the order to be paid; rendering and displaying a payment recommendation page based on the payment recommendation data.

[0005] This specification provides one or more embodiments of an order payment processing apparatus, running on a server. The apparatus includes: a pending payment order creation module configured to create a pending payment order based on merchant order information and user account information. The user account information is obtained from a user terminal by a merchant device via a near-field communication connection. An operation data distribution module configured to obtain operation data for a virtual signature operation of the pending payment order and distribute it to the user terminal to execute the virtual signature operation. A payment order processing module configured to process the payment of the pending payment order based on the user account information and obtain payment result data. A payment recommendation data distribution module configured to construct payment recommendation data containing the payment result data and distribute it to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

[0006] This specification provides one or more embodiments of another order payment processing device, operating on a user terminal. The device includes: a user account information sending module configured to establish a near-field communication (NFC) connection with a merchant device via a near-field communication component, and send user account information to the merchant device through the NFC connection; a virtual signature operation execution module configured to receive operation data for a virtual signature operation of an order to be paid from a server, and execute the virtual signature operation based on the operation data; the order to be paid is created based on the user account information and merchant order information uploaded by the merchant device; a payment recommendation data receiving module configured to receive payment recommendation data constructed and issued by the server based on the order payment result and merchant materials of the order to be paid; and a payment recommendation page display module configured to render and display a payment recommendation page based on the payment recommendation data.

[0007] This specification provides one or more embodiments of a server, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: create a pending payment order based on merchant order information and user account information. The user account information is obtained by a merchant device from a user terminal via a near-field communication connection. The processor acquires operation data for a virtual signature operation of the pending payment order and sends it to the user terminal to execute the virtual signature operation. The processor performs payment processing for the pending payment order based on the user account information to obtain payment result data. The processor constructs payment recommendation data containing the payment result data and sends it to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

[0008] This specification provides one or more embodiments of a user terminal, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: invoke a near-field communication component to establish a near-field communication connection with a merchant device, and send user account information to the merchant device through the near-field communication connection; receive operation data for a virtual signature operation of an order to be paid from a server, and perform the virtual signature operation according to the operation data. The order to be paid is created based on the user account information and merchant order information uploaded by the merchant device; receive payment recommendation data constructed and issued by the server based on the order payment result and merchant materials of the order to be paid; render a payment recommendation page according to the payment recommendation data, and display the payment recommendation page.

[0009] This specification provides one or more embodiments of a storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: creating a payment order based on merchant order information and user account information. The user account information is obtained by the merchant device from a user terminal via a near-field communication connection. Operation data for a virtual signature operation of the payment order is obtained and sent to the user terminal to execute the virtual signature operation. Payment processing for the payment order is performed based on the user account information to obtain payment result data. Payment recommendation data containing the payment result data is constructed and sent to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

[0010] This specification provides one or more embodiments of another storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: Invoking a near-field communication (NFC) component to establish a NFC connection with a merchant device, and sending user account information to the merchant device through the NFC connection; Receiving operation data for a virtual signature operation of an order to be paid from a server, and performing the virtual signature operation according to the operation data; The order to be paid is created based on the user account information and merchant order information uploaded by the merchant device; Receiving payment recommendation data constructed and issued by the server based on the order payment result and merchant materials of the order to be paid; Rendering and displaying a payment recommendation page based on the payment recommendation data. Attached Figure Description

[0011] To more clearly illustrate the technical solutions in one or more embodiments or prior art of this specification, the drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0012] Figure 1 A schematic diagram illustrating the implementation environment of an order payment processing method provided in one or more embodiments of this specification;

[0013] Figure 2 A flowchart of an order payment processing method provided for one or more embodiments of this specification;

[0014] Figure 3 A schematic diagram illustrating a first type of virtual signature element provided for one or more embodiments of this specification;

[0015] Figure 4 A schematic diagram illustrating a second type of virtual signature element provided in one or more embodiments of this specification;

[0016] Figure 5 This is a schematic diagram illustrating one or more embodiments of this specification for displaying virtual signature elements;

[0017] Figure 6 This is a schematic diagram illustrating another way to display a virtual signature element in conjunction with one or more embodiments of this specification;

[0018] Figure 7 A schematic diagram illustrating a third virtual signature element provided in one or more embodiments of this specification;

[0019] Figure 8 A schematic diagram illustrating a fourth virtual signature element provided in one or more embodiments of this specification;

[0020] Figure 9 A schematic diagram of a payment recommendation page provided for one or more embodiments of this specification;

[0021] Figure 10 A timing diagram illustrating an order payment processing method for a ride-hailing payment scenario, provided in one or more embodiments of this specification.

[0022] Figure 11 A flowchart illustrating another order payment processing method provided in one or more embodiments of this specification;

[0023] Figure 12A schematic diagram illustrating an embodiment of an order payment processing device provided in one or more embodiments of this specification;

[0024] Figure 13 A schematic diagram of another embodiment of an order payment processing apparatus provided in one or more embodiments of this specification;

[0025] Figure 14 A schematic diagram of the structure of a server provided for one or more embodiments of this specification;

[0026] Figure 15 This is a schematic diagram of the structure of a user terminal provided for one or more embodiments of this specification. Detailed Implementation

[0027] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0028] The order payment processing method provided in this embodiment, or one or more embodiments, can be applied to the NFC payment implementation environment. (Refer to...) Figure 1 The implementation environment includes at least server 101, which can be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform. Server 101 is used for creating and processing payment orders, as well as acquiring operation data and payment recommendation data for virtual signature operations, and distributing them to user terminal 102.

[0029] The implementation environment also includes at least a user terminal 102 and a merchant device 103. The user terminal 102 can be a smartphone, tablet, e-book reader, wearable device, or a device that interacts with information based on AR (Augmented Reality) / VR (Virtual Reality). The user terminal 102 is used to establish a near-field communication connection with the merchant device 103, perform virtual signature operations, and provide payment rendering recommendations. The merchant device 103 can be a POS (point of sale) machine equipped with an NFC component and may also be configured with a retractable structure. The merchant device 103 is used to upload user account information and order information to the server 101 and establish a near-field communication connection with the user terminal 102.

[0030] The implementation environment may also include a merchant checkout 104, which can work with a barcode scanner to obtain product information and generate product orders. It can also work with a merchant device 103 to obtain user account information and upload the order information and user account information to the server 101. In addition, when the user terminal 102 submits an NFC connection request to the merchant device 103, that is, when the user terminal 102 actively establishes an NFC connection with the merchant device 103, the merchant checkout 104 can also receive payment orders issued by the server 101 and transmit the payment orders to the user terminal 102 through the NFC connection established between the merchant device 103 and the user terminal 102.

[0031] In this implementation environment, during NFC payment, user terminal 102 actively establishes an NFC connection with merchant device 103 and transmits user account information to merchant device 103 via NFC. Merchant device 103 transmits merchant order information and user account information of the product order to server 101. Server 101 creates a payment order based on the merchant order information and user account information, obtains the operation data of the virtual signature operation of the payment order, and sends it to user terminal 102 so that user terminal 102 and merchant device 103 can perform virtual signature operation, process the payment order according to user account information, obtain payment result data, construct payment recommendation data containing payment result data, and send it to user terminal 102 so that user terminal 102 can make payment rendering recommendations based on payment recommendation data.

[0032] This specification provides one or more embodiments of an order payment processing method as follows:

[0033] Reference Figure 2 The order payment processing method provided in this embodiment can be applied to a server, and specifically includes steps S202 to S208.

[0034] Step S202: Create a pending payment order based on merchant order information and user account information.

[0035] In practical applications, users can make NFC payments through the NFC function of their terminals when taking public transportation and / or shopping offline. NFC payments can also be made when the screen is locked. To improve the user experience of NFC payments and enhance their functionality;

[0036] This embodiment achieves virtual signature operation in the NFC payment process through the cooperation of the server, user terminal, and merchant equipment. The server sends the operation data of the virtual signature operation to the user terminal, and the user terminal executes the virtual signature operation according to the operation data. The server also constructs payment recommendation data containing payment result data of the NFC payment order and sends it to the user terminal. The user terminal renders and displays a payment recommendation page according to the payment recommendation data. This adds a payment recommendation function to the NFC payment process, improves the perception of NFC payment, and enhances the functionality of NFC payment.

[0037] In practice, the user terminal uses the NFC component to establish an NFC connection with the merchant device. After the NFC connection is established, the user's account information is sent to the merchant device via the NFC connection. The merchant device then uploads the user's account information and the merchant order information of the goods to the server. The server creates a pending payment order based on the merchant order information and user account information uploaded by the merchant device.

[0038] In practical applications, merchants can also input the payment amount into the merchant device to complete the transaction. In this case, the merchant order information may include the payment amount, and the server creates a payment order based on the payment amount and user account information. The user account information can be transmitted and exchanged via an NFC connection established between the merchant device and the user terminal. Optionally, the user account information can be obtained by the merchant device from the user terminal via a near-field communication connection. Specifically, the merchant device can read the user account information stored on the user terminal via an NFC connection, or the user terminal can actively send the user account information to the merchant device via an NFC connection.

[0039] In practice, the user terminal can establish an NFC connection with the merchant device by calling the NFC component when the screen is locked, or when the screen is unlocked. Specifically, the user can bring the user terminal close to the merchant device when the screen is locked to establish an NFC connection via the near-field communication component for information transmission. Alternatively, after unlocking the screen, the user can also make NFC payments after entering the payment application. In one optional implementation, the user terminal establishes a near-field communication connection with the merchant device via the near-field communication component, which is then invoked upon entering the payment application.

[0040] In this embodiment, merchant order information refers to the order information of a user's purchased goods order uploaded by the merchant device, such as the product amount, product name, and / or unit price. Merchant order information can also be any one of the above, or any combination of two or more; this embodiment does not impose any limitations. Merchant order information can be transmitted to the merchant device after scanning the product identification code at the merchant's cashier and / or merchant's barcode scanning device. Alternatively, the merchant can also input the payment amount through interaction with the merchant's cashier, using the payment amount as merchant order information. Optionally, the merchant device obtains merchant order information based on its hardware connection to the merchant's cashier.

[0041] In this embodiment, user account information is user information used to represent the user information required to create a payment order. It can be the user's identity information, the payment channel information opened by the user, or the account information corresponding to the payment channel opened by the user, the rights and resources information of the user account, etc. In addition, user account information can be any one of the above, or any combination of two or more of the above. This embodiment does not limit it.

[0042] Furthermore, the request to establish a near-field communication connection can be submitted by the user terminal to the merchant device, that is, the user terminal calls the near-field communication component to read the NFC information of the merchant device and establish a near-field communication connection, or it can be submitted by the merchant device to the user terminal, that is, the merchant device calls the NFC component to read the NFC information of the user terminal and establish a near-field communication connection. This embodiment does not limit this.

[0043] Step S204: Obtain the operation data of the virtual signature operation of the order to be paid and send it to the user terminal to execute the virtual signature operation.

[0044] In practical applications, during the NFC payment process, payment animations and / or payment images can be generated and sent to the user terminal to enhance the perception of NFC payments. In this embodiment, the operation data of the virtual signature operation of the payment order is obtained and sent to the user terminal, and the virtual signature operation is executed by the user terminal, thereby enhancing the perception of NFC payments and adding NFC payment functionality.

[0045] In this embodiment, virtual signature operation refers to the operation whereby the user terminal displays the image and / or animation of a virtual seal after the server sends the operation data for virtual signature operation to the user terminal. It can be performed in conjunction with merchant devices. Specifically, the virtual signature operation can be based on virtual signature elements; that is, the virtual signature operation is the operation of displaying virtual signature elements. The virtual signature operation can be executed in two stages. First, the user terminal can display a static virtual seal, that is, the first stage of the virtual signature operation can be a static display operation, displaying static virtual signature elements. Second, the user terminal can display the signature image and / or signature animation of the virtual seal, that is, the second stage of the virtual signature operation can be a dynamic display operation, dynamically displaying virtual signature elements. For example... Figure 3 and Figure 4 As shown, the user terminal can display the operation data after receiving the virtual signature operation. Figure 3 The virtual signature element shown is displayed in conjunction with the merchant's device. Figure 4 The virtual signature element shown is used to dynamically represent the "seal lighting up" operation.

[0046] In practice, the server obtains the operation data for the virtual signature operation corresponding to the payment order and sends this operation data to the user terminal. After receiving the operation data, the user terminal executes the virtual signature operation according to the operation data. Specifically, the server can generate the operation data for the virtual signature operation based on the payment type of the payment order and / or the merchant and send it to the user terminal so that the user terminal and / or merchant device can execute the virtual signature operation.

[0047] In practical applications, merchants can recommend merchants in NFC payments. The rendering material for the virtual seal can be provided by the merchant. The user terminal can render the material based on the material data included in the operation data to obtain the virtual seal element, and "light up" the virtual seal element according to the identifier display parameters included in the operation data. That is, the virtual seal element is displayed according to the identifier display parameters to enhance the merchant recommendation function of NFC payments. In one optional implementation of this embodiment, performing the virtual seal operation includes:

[0048] Based on the material data contained in the operation data, material rendering is performed to obtain virtual signature elements;

[0049] The virtual signature element is displayed according to the identifier display parameters included in the operation data.

[0050] Optionally, the virtual signature element includes a merchant identifier and a virtual signature identifier.

[0051] like Figure 3 As shown and Figure 4The user terminal renders materials based on the material data included in the virtual signature operation data sent by the server to obtain a virtual seal carrying the merchant's identifier. This virtual seal is then processed according to the identifier display parameters included in the operation data. Figures 3 to 4 The virtual seal is dynamically displayed. The merchant identifier can be a central marker on the virtual seal, representing the merchant entity, while the virtual signature identifier can be a marker on the edge of the virtual seal, showcasing its visual effect.

[0052] Furthermore, during the display of virtual signature elements, the user terminal can cooperate with the merchant device to display the virtual signature elements. The merchant device can "light up" the virtual signature elements according to preset operation parameters displayed by the user terminal. To this end, the image sensor of the user terminal can be invoked to detect whether the environmental image collected by the user terminal contains merchant device features after the merchant identifier is displayed. If the merchant device features are present, the virtual signature identifier is displayed. In addition, when an identifier update condition is triggered, the merchant identifier is updated and displayed to improve interactive perception and enhance user experience. In one optional implementation of this embodiment, the virtual signature element display processing is performed according to the identifier display parameters included in the operation data, including:

[0053] The merchant identifier is displayed, and when the environmental image collected by the user terminal is detected to contain merchant equipment features, the virtual signature identifier is displayed according to the identifier display parameters of the virtual signature identifier.

[0054] If the display of the virtual signature triggers the identifier update condition, the merchant identifier is updated and the updated merchant identifier is displayed.

[0055] For example, the user terminal displays a merchant identifier contained in a virtual signature element, calls an image sensor to collect an environmental image, and if the environmental image contains merchant device features, displays the virtual signature identifier according to the display parameters of the virtual signature identifier contained in the virtual signature element. After the display of the virtual signature identifier triggers the identifier update condition, the merchant identifier is updated and the updated merchant identifier is displayed. The identifier update condition can be the display time, that is, the merchant identifier is updated after the display time of the virtual signature identifier expires.

[0056] In practical applications, to enable merchant devices and user terminals to cooperate in displaying virtual signature elements and / or performing virtual signature operations, the merchant device can collect an environmental image and detect whether the image contains the user terminal's screen features. If it does, the merchant device sends a virtual signature operation command to the user terminal. This command can be sent via NFC or forwarded by a server. If the image does not contain the user terminal's features, no processing is required. In one optional implementation of this embodiment, before obtaining the virtual signature element by rendering the material data contained in the operation data, the following steps are also included:

[0057] If the merchant device detects whether the environmental image it collects contains terminal screen features, it sends the operation instruction for the virtual signature operation to the user terminal.

[0058] If not, no action needs to be taken.

[0059] Optionally, the operation instructions for the virtual signature operation can be sent via the NFC connection between the user terminal and the merchant's device.

[0060] It should be noted that, during the virtual signature operation, to improve the coordination between the user terminal and the merchant device, both can simultaneously capture environmental images. If the user terminal's environmental image contains merchant device features and the merchant device's captured environmental image contains terminal screen features, then the virtual signature element is displayed. For example: the merchant device detects whether the first captured environmental image contains terminal screen features; if so, it sends a virtual signature operation command to the user terminal; otherwise, no processing is performed. The user terminal renders the virtual signature element based on the material data included in the virtual signature operation data. The user terminal displays the merchant identifier, and if the user terminal detects that the environmental image it captured contains merchant device features, it displays the virtual signature identifier according to the identifier display parameters. If the display of the virtual signature identifier triggers an identifier update condition, the merchant identifier is updated and displayed.

[0061] Furthermore, the user terminal can cooperate with the merchant equipment to perform virtual signature operations. The merchant equipment can also be configured with a signature component, which cooperates with the user terminal to perform virtual signature operations. The signature component can be an electromechanical component with a telescopic structure. After displaying the merchant logo, the user terminal sends a signature command to the merchant equipment. The merchant equipment activates the signature component and sends a signature confirmation command to the user terminal when the signature component is at its maximum extension. The user terminal responds to the signature confirmation command by rendering and displaying the logo, thereby realizing the virtual signature operation of the merchant equipment "stamping" the user terminal. In one optional implementation of this embodiment, performing the virtual signature operation includes:

[0062] The user terminal renders the material based on the material data contained in the operation data to obtain the merchant identifier, displays the merchant identifier, and sends a signature instruction to the merchant device;

[0063] The merchant device responds to the signature instruction by activating the configured signature component and sends a signature confirmation instruction to the user terminal when the signature component is at its maximum displacement.

[0064] In response to the signature confirmation instruction, the user terminal renders and displays the signature merchant identifier based on the signature material data included in the operation data.

[0065] Optionally, user terminals and merchant devices can exchange commands via NFC connection.

[0066] Specifically, the user terminal obtains the operation data for the virtual signature operation from the server, renders the merchant identifier based on the material data contained in the operation data, and displays the merchant identifier. At the same time, a signature command is sent to the merchant device. The merchant device responds to the signature command by activating the signature component. The signature component activates its telescopic structure to move towards the user terminal. When the telescopic structure of the signature component is at its maximum extension, a signature confirmation command is sent to the user terminal. The user terminal responds to the signature confirmation command by rendering the signed merchant identifier based on the signature material data contained in the operation data and replacing the original merchant identifier for display. This allows the merchant device and the user terminal to cooperate in performing a virtual signature operation. The signature component can be configured perpendicular to the user terminal's screen, that is, the telescopic structure of the signature component moves perpendicular to the terminal screen to represent the virtual signature operation of "stamping".

[0067] like Figure 5 and Figure 6 As shown, the user terminal is placed into the merchant's device to establish an NFC connection and display... Figure 5 The merchant identifier shown indicates that the merchant device has activated the signature component. Figure 6 The component shown extends outwards, and the user terminal displays the signature component at its maximum displacement. Figure 6 The merchant's signature is shown.

[0068] In practical applications, after the virtual signature operation is completed, there may be a situation where the user confirms the payment, i.e., the user confirms the payment order and enters the payment instruction. For this, a payment reminder message for the payment order can be generated. Furthermore, the payment reminder message can also be generated and displayed when the user's terminal is locked. Optionally, the user terminal generates the payment reminder message when it detects that the screen is locked. Further, the user can trigger the payment reminder message while the screen is locked to redirect to the payment application for payment confirmation and display the virtual signature element within the payment application. Optionally, if the payment reminder message is triggered, the user is redirected to the payment application, and the virtual signature element is displayed within the payment application. Alternatively, the user can also perform NFC payment and display the virtual signature element after entering the payment application. Optionally, the user terminal displays the virtual signature element on the application page of the payment application. Figure 7 and Figure 8 As shown, the virtual signature element appears on the payment application's application page from... Figures 5 to 6 Dynamic display to show the effect of "stamping".

[0069] Furthermore, to improve user convenience, a lock screen display interface can be invoked when the user's terminal is locked to display a virtual signature element; that is, a virtual signature element can be displayed on the screen lock page. Optionally, the user terminal invokes the lock screen display interface to display the virtual signature element on the screen lock page. Figure 3 As shown, the virtual signature element is displayed on the lock screen.

[0070] Step S206: Process the payment for the order to be paid based on the user account information to obtain payment result data.

[0071] In practice, the server processes payment orders based on the payment channel information contained in the user's account information, obtaining the payment result data for the payment orders. Specifically, it can extract the payment channel information of the payment channels activated by the user, transfer the funds corresponding to the order amount from the user's account corresponding to the payment channel, and then transfer the transferred funds to the merchant's account.

[0072] In this embodiment, payment result data is data used to characterize the payment processing result of a payment order. Payment result data can be payment success data and / or payment failure data. Furthermore, payment result data can also be the reason for payment failure. In addition, payment result data can also be payment channel data, discount amount data, merchant information, user's rights registration information with the merchant, etc. It should be noted that payment result data can be any one of the above-mentioned data, or any two or more of the above-mentioned data. This embodiment will not elaborate further.

[0073] In the specific payment process, there are two methods: the merchant device reads the user terminal's NFC component to obtain the user's account information, and the user terminal establishes a connection and transmits user account information by reading the merchant device's NFC module through its NFC component. When the merchant device reads the user terminal's NFC component, the merchant device can upload the user's account information and order information to the server, and the server transfers funds from the user's account to the merchant's account. Alternatively, the merchant device can upload the user's account information and order information to the merchant server, which forwards the information to the server, and the server transfers funds from the user's account to the merchant's account. Furthermore, when the user terminal establishes a connection and transmits user account information by reading the merchant device's NFC module through its NFC component, the user terminal sends its account information to the merchant device via NFC. The merchant device then sends the user's account information and order information to the merchant server to make a pre-order request. The merchant server forwards the user's account information, order information, and pre-order request to the server, which creates a payment order based on the received information, transfers funds from the user's account to the merchant's account, and asynchronously notifies the merchant server of the payment result upon completion. It should be noted that the payment processing of the payment order in this embodiment can be carried out in either of the two situations mentioned above, and this embodiment does not limit it.

[0074] In practical applications, there are situations where users have activated benefits services with merchants, such as registering as members. Before processing payment, it is possible to check whether the user is a registered user of the merchant. If so, payment can be processed and subsequent payment recommendations can be made after the check passes. In an optional implementation provided in this embodiment, before processing the payment order, the following steps are also included:

[0075] Detect whether the user to which the user terminal belongs is a registered user of the merchant corresponding to the merchant device;

[0076] If so, the user's identity is verified based on the user image collected by the user terminal and / or the merchant equipment, and the payment processing operation is performed after the identity verification;

[0077] If not, no action needs to be taken.

[0078] For example, it can detect whether the user information of the user terminal belongs to the member user of the merchant device. If so, it can perform identity verification processing on the user image collected by the user terminal. If the user image collected by the user terminal is consistent with the pre-stored member image, it indicates that the verification is successful, and the payment order is processed after the identity verification is successful.

[0079] In addition, if the user is not a registered user of the merchant, the payment order can be processed directly without recommending payment to the user. Continuing with the previous example, if the user image collected by the user terminal is inconsistent with the pre-stored member image, it means that the verification has failed. The payment order will be processed and a payment result page will be generated and sent to the user terminal after the processing is completed.

[0080] Step S208: Construct payment recommendation data containing the payment result data and send it to the user terminal to perform payment rendering recommendation based on the payment recommendation data.

[0081] In practical applications, after NFC payment processing is completed, a payment result page can be generated and sent to the user terminal to enhance the perception of NFC payment. Payment recommendation information can be configured on the payment result page to add a payment recommendation function to NFC payment. In this embodiment, the interaction of the server, user terminal and merchant device is improved through virtual signature operation to enhance the interactive perception of NFC payment and add NFC payment function. After the virtual signature operation instruction, payment recommendation data containing payment result data is constructed and sent to the user terminal. The user terminal renders and displays the payment recommendation page to add the recommendation function of NFC payment and enhance the interaction of NFC payment.

[0082] In practice, the server constructs payment recommendation data containing the payment result data based on the payment result data, and sends the payment recommendation data to the user terminal; after receiving the payment recommendation data, the user terminal renders the payment recommendation page based on the payment recommendation data and displays the payment recommendation page.

[0083] In the specific construction process, merchant recommendation data can be built for merchant recommendation processing; optionally, payment recommendation data is constructed from payment result data and merchant materials; when performing merchant recommendation processing, the user may have already performed a virtual signature operation at the merchant, such as: paying via NFC when taking a ride, paying via NFC at a chain merchant, and paying via NFC at a specific partner merchant, all of which can record a virtual signature. Historical signature records can be updated based on payment result data, and merchant recommendation materials can be obtained to construct payment recommendation data so that the user terminal displays the latest signature record to represent the "cumulative stamping" effect. In addition, the payment recommendation page can also display the maximum number of stamps to represent the "check-in stamping" effect. In an optional implementation method provided in this embodiment, the construction of payment recommendation data containing payment result data includes:

[0084] Obtain the user's historical signature records for the merchant under the virtual signature service, and update the historical signature records based on the payment result data to obtain the target signature record;

[0085] Obtain the signature identifier material corresponding to the target signature record, as well as the merchant recommendation material of the merchant;

[0086] The payment recommendation data is constructed based on the payment result data, the signature identification material, and the merchant recommendation material.

[0087] Specifically, the application's virtual signature service queries the user's historical signature records for merchants, updates the historical signature records based on the payment result data of the payment order, obtains the updated target signature record, acquires the signature identifier material corresponding to the target signature record, and the merchant's recommendation material. Based on the payment result data of the payment order, the signature identifier material, and the merchant recommendation material, payment recommendation data is constructed so that the user terminal generates and displays a payment recommendation page.

[0088] For example, in the virtual signature service of the payment application, the user's historical signature records for subway merchants are queried. Based on the successful payment result of the ride order, the historical signature records are updated to obtain the target signature record. The signature identification material corresponding to the target signature record and the recommended material of the subway merchant are obtained. Based on the successful payment result, the signature identification material and the recommended material of the merchant are used to construct payment recommendation data so that the user terminal can generate and display the payment recommendation page of the subway merchant.

[0089] In practical applications, after receiving payment recommendation data, the user terminal can generate and display a payment recommendation page containing historical signature records. This page shows the number of times virtual signature operations have been performed at merchants, thereby improving the user's awareness of virtual signature operations and NFC payments. To this end, the recommendation page can be rendered based on merchant recommendation materials and signature identification materials, displaying the user's historical signature records on the payment recommendation page, and adding payment result data to the recommendation page to obtain and display the payment recommendation page. In one optional implementation of this embodiment, payment rendering recommendation based on payment recommendation data includes:

[0090] A recommended page is obtained by rendering the page based on the merchant recommendation materials and the signature / identification materials.

[0091] The payment result data is added to the recommendation page to obtain a payment recommendation page, and the payment recommendation page is displayed.

[0092] like Figure 9 As shown, the recommended page is obtained by rendering the merchant recommendation materials and signature logo materials of the subway merchants. The transaction merchant, user rights information, coupon information and payment channel contained in the payment result data are added to the recommended page to obtain payment recommended page 901, and payment recommended page 901 is displayed.

[0093] Furthermore, after the payment recommendation page is generated on the user terminal, there may be situations where users visit the virtual signature service to view signature records and other information. To address this, an access interface for the virtual signature service can be configured on the payment recommendation page. Users can be redirected to the virtual signature service page by triggering the access interface on the recommendation configuration page displayed on the user terminal. In one optional implementation of this embodiment, it further includes:

[0094] If the access interface for the virtual signature service configured on the payment recommendation page is triggered, the service page for the virtual signature service will be generated.

[0095] The service page is returned to the user terminal.

[0096] like Figure 9 As shown, the payment recommendation page can be configured with an access button 902 for virtual signature operations. When the access button 902 is triggered, a service page for virtual signature services is generated and returned to the user terminal. The user terminal receives the service page for virtual signature services and displays it.

[0097] It should be noted that the payment recommendation page can be displayed on the payment application's application page or when the screen is locked. Specifically, it can be displayed within the payment application after a payment reminder message, or after an NFC payment is made within the payment application. Optionally, the payment recommendation page obtained from the payment rendering recommendation can be displayed on the application page. Furthermore, the payment recommendation page can also be displayed by calling the lock screen display interface when the user's terminal is locked; optionally, the payment recommendation page obtained from the payment rendering recommendation can be displayed on the screen lock page by calling the lock screen display interface.

[0098] In summary, the one or more order payment processing methods provided in this embodiment can be applied to a server. During NFC payment, a payment order is created based on the order information uploaded by the merchant device and the user account information. Operation data for the virtual signature operation of the payment order is obtained and sent to the user terminal so that the user terminal and / or the merchant device can perform the virtual signature operation. Then, the payment order is processed based on the user account information to obtain payment result data. Payment recommendation data containing the payment result data is constructed and sent to the user terminal so that payment recommendation processing can be performed based on the payment recommendation data, thereby increasing the functionality of NFC payment and improving the interactive perception of NFC payment.

[0099] During the execution of the virtual signature operation, virtual signature elements, including merchant identifiers and virtual signature identifiers, can be rendered based on the material data contained in the operation data. The virtual signature elements are rendered and dynamically displayed according to the identifier display parameters contained in the operation data to increase merchant participation in NFC payments.

[0100] Furthermore, payment recommendation data can be constructed based on the user's historical signature records at merchants, i.e., historical consumption records. The recommendation page is rendered based on merchant recommendation materials and signature identification materials. The payment result data is added to the recommendation page to obtain and display the payment recommendation page, which is used to show users the operation records of virtual signature operations, improve user perception, and at the same time, merchant recommendation processing is performed to increase the functionality of NFC payment.

[0101] The above-described order payment processing method can be implemented by a server. The following method embodiment provides another order payment processing method that can be implemented by a user terminal. The two methods can cooperate with each other during execution. Therefore, when reading the above implementation process, you can refer to the corresponding content of the following other order payment processing method embodiment. Similarly, when reading the following other order payment processing method embodiment, you can also refer to the corresponding content of the above method embodiment.

[0102] The following description uses the application of an order payment processing method provided in this embodiment in a ride-hailing payment scenario as an example to further illustrate the order payment processing method provided in this embodiment. (See also...) Figure 10 The order payment processing method applied to the ride-hailing payment scenario includes the following steps.

[0103] Step S1004: Create a ride payment order based on the subway ride order information and user account information uploaded by the merchant device.

[0104] Step S1006: Obtain the operation data of the virtual signature operation of the ride payment order and send it to the user terminal.

[0105] Step S1014: Process the payment for the ride-hailing order based on the user's account information and obtain the payment result data.

[0106] Step S1016: Obtain the user's historical signature records for subway merchants from the virtual signature record, and update the historical signature records based on the payment result data to obtain the target signature record.

[0107] Step S1018: Obtain the signature identifier material corresponding to the target signature record, as well as the merchant recommendation material of the subway merchant.

[0108] Step S1020: Based on the payment result data, signature identification materials, and merchant recommendation materials, construct payment recommendation data for subway merchants and send it to the user terminal.

[0109] Step S1026: The access interface for the virtual signature service configured on the payment recommendation page is detected to be triggered.

[0110] Step S1028: Generate the service page for the virtual signature service and return the service page to the user terminal.

[0111] In this embodiment, steps S1004 to S1006, S1014 to S1020, and S1026 to S1028 are executed by the server. It should be noted that the server-executed steps S1004 to S1006, S1014 to S1020, and S1026 to S1028 are different from steps S1002, S1008 to S1012, and S1006 executed by the user terminal in the following embodiment. Steps S1022 to S1024 can cooperate with each other during execution. Therefore, when reading this embodiment, please refer to the corresponding content of steps S1002, S1008 to S1012 and S1022 to S1024 provided in the following method embodiment. When reading the following method embodiment, please refer to the corresponding content of steps S1004 to S1006, S1014 to S1020 and S1026 to S1028 provided in this embodiment.

[0112] One or more embodiments of another order payment processing method provided in this specification are as follows:

[0113] Reference Figure 11 The order payment processing method provided in this embodiment can be applied to user terminals, and specifically includes steps S1102 to S1108.

[0114] Step S1102: Invoke the near-field communication component to establish a near-field communication connection with the merchant device, and send user account information to the merchant device through the near-field communication connection.

[0115] In practical applications, users can make NFC payments offline during transportation and / or shopping using the NFC function of their terminals. NFC payments can also be made when the screen is locked. To improve the user experience and functionality of NFC payments, this embodiment utilizes the cooperation between the server, user terminal, and merchant device to implement virtual signature operations during the NFC payment process. The server sends the operation data for the virtual signature operation to the user terminal, which then executes the virtual signature operation based on the data. The server also constructs payment recommendation data containing payment result data for the NFC payment order and sends it to the user terminal. The user terminal renders and displays a payment recommendation page based on this data, adding a payment recommendation function to the NFC payment process and improving its user experience. In specific implementation, the user terminal uses the NFC component to establish an NFC connection with the merchant device. After the NFC connection is established, the user sends their account information to the merchant device via the NFC connection. The merchant device then uploads the user account information and the merchant order information for the goods to the server. The server creates a payment order based on the merchant order information and user account information uploaded by the merchant device.

[0116] In practical applications, merchants can also input the payment amount into the merchant device to complete the transaction. In this case, the order information can include the payment amount, and the server creates a payment order based on the payment amount and the user's account information. The user account information can be transmitted and exchanged via an NFC connection established between the merchant device and the user terminal. Optionally, the user account information can be sent from the user terminal to the merchant device via a near-field communication (NFC) connection. Specifically, the merchant device can read the user account information stored on the user terminal via an NFC connection, or the user terminal can actively send the user account information to the merchant device via an NFC connection.

[0117] In practice, the user terminal can establish an NFC connection with the merchant device by calling the NFC component when the screen is locked, or when the screen is unlocked. Specifically, the user can bring the user terminal close to the merchant device when the screen is locked to establish an NFC connection via the near-field communication component for information transmission. Alternatively, after unlocking the screen, the user can also make NFC payments after entering the payment application. In one optional implementation, the user terminal establishes a near-field communication connection with the merchant device via the near-field communication component, which is then invoked upon entering the payment application.

[0118] In this embodiment, merchant order information refers to the order information of a user's purchased goods order uploaded by the merchant device. This can be the product amount, product name, unit price, etc. Furthermore, merchant order information can be any one of the above, or any combination of two or more; this embodiment does not impose any limitations. Merchant order information can be transmitted to the merchant device after scanning the product identification code at the merchant's cashier and / or merchant's barcode scanning device. Alternatively, the merchant can interact with the cashier to input the payment amount, which is then used as merchant order information. Optionally, the merchant device and the cashier are connected by hardware. In this embodiment, user account information is the user information required to create a payment order. This can be the user's identity information, the payment channel information activated by the user, or the account information corresponding to the payment channel activated by the user, the user's account rights and resources information, etc. Furthermore, user account information can be any one of the above, or any combination of two or more; this embodiment does not impose any limitations.

[0119] Furthermore, the request to establish a near-field communication connection can be submitted by the user terminal to the merchant device, that is, the user terminal calls the near-field communication component to read the NFC information of the merchant device and establish a near-field communication connection, or it can be submitted by the merchant device to the user terminal, that is, the merchant device calls the NFC component to read the NFC information of the user terminal and establish a near-field communication connection. This embodiment does not limit this.

[0120] Step S1104: Receive operation data for the virtual signature operation of the order to be paid from the server, and execute the virtual signature operation according to the operation data.

[0121] In practical applications, during the NFC payment process, the server can generate payment animations and / or payment images and send them to the user terminal, as well as send the order to be paid to the user terminal to improve the perception of NFC payment. In this embodiment, the operation data of the virtual signature operation of the order to be paid is obtained and sent to the user terminal, and the virtual signature operation is executed by the user terminal, thereby improving the perception of NFC payment and adding NFC payment functionality.

[0122] In this embodiment, virtual signature operation refers to the operation whereby the user terminal displays an image and / or animation of a virtual seal after the server sends the operation data for virtual signature operation to the user terminal. This can be performed in conjunction with merchant devices. Specifically, the virtual signature operation can be executed in two stages. First, the user terminal can display a static virtual seal; that is, the first stage of the virtual signature operation can be a static display operation, showing a static virtual seal image. Second, the user terminal can display the signature image and / or signature animation of the virtual seal; that is, the second stage of the virtual signature operation can be a dynamic display operation. For example... Figure 3 and Figure 4As shown, the user terminal can display the operation data after receiving the virtual signature operation. Figure 3 The virtual seal shown is displayed in conjunction with the merchant's equipment. Figure 4 The virtual stamp shown is used to dynamically represent the "stamp lighting up" operation.

[0123] In practice, the server creates a payment order based on the order information uploaded by the merchant's device and the user's account information, and obtains the operation data for the virtual signature operation corresponding to the payment order, then sends this operation data to the user terminal. The user terminal receives the operation data for the virtual signature operation of the payment order sent by the server and performs the virtual signature operation according to the operation data. Optionally, the payment order is created based on the user's account information and the order information uploaded by the merchant's device.

[0124] In the specific execution process, the rendering material of the virtual seal can be provided by the merchant to recommend merchants during the virtual signature operation. The user terminal can render the material based on the material data contained in the operation data to obtain the virtual signature element, and "light up" the virtual signature element according to the identifier display parameters contained in the operation data. That is, the virtual signature element is displayed according to the identifier display parameters to enhance the merchant recommendation function of NFC payment. In one optional implementation method provided in this embodiment, the virtual signature operation is performed according to the operation data, including:

[0125] Based on the material data contained in the operation data, material rendering is performed to obtain virtual signature elements;

[0126] The virtual signature element is displayed according to the identifier display parameters included in the operation data.

[0127] Optionally, the virtual signature element includes a merchant identifier and a virtual signature identifier.

[0128] Furthermore, during the display of virtual signature elements, the user terminal can cooperate with the merchant device to display the virtual signature elements. The merchant device can "light up" the virtual signature elements according to preset operation parameters displayed by the user terminal. To this end, the image sensor of the user terminal can be invoked to detect whether the environmental image collected by the user terminal contains merchant device features after the merchant identifier is displayed. If the merchant device features are present, the virtual signature identifier is displayed. In addition, when an identifier update condition is triggered, the merchant identifier is updated and displayed to improve interactive perception and enhance user experience. In one optional implementation of this embodiment, the virtual signature element display processing is performed according to the identifier display parameters included in the operation data, including:

[0129] The merchant identifier is displayed, and when the collected environmental image is detected to contain merchant device features, the virtual signature identifier is displayed according to the identifier display parameters of the virtual signature identifier.

[0130] If the display of the virtual signature triggers the identifier update condition, the merchant identifier is updated and the updated merchant identifier is displayed.

[0131] In practical applications, to enable merchant devices and user terminals to collaboratively display virtual signature elements and / or perform virtual signature operations, the merchant device can collect an environmental image and detect whether the image contains the user terminal's screen features. If it does, the merchant device sends a virtual signature operation command to the user terminal, which then executes the virtual signature operation. The virtual signature operation command can be sent via NFC or forwarded by a server. If it does not contain the user terminal's features, no further processing is required. In one optional embodiment, before obtaining the virtual signature element by rendering the material data contained in the operation data, the following steps are also included:

[0132] Obtain the operation instructions for the virtual signature operation sent by the merchant device.

[0133] Optionally, the material rendering responds to the execution of the operation command.

[0134] Optionally, the operation command is sent if the environmental image detected and collected by the merchant device contains terminal screen features.

[0135] It should be noted that, during the virtual signature operation, to improve the coordination between the user terminal and the merchant device, both can simultaneously capture environmental images. If the user terminal's environmental image contains merchant device features and the merchant device's captured environmental image contains the terminal's screen features, the virtual signature element is displayed. For example, the merchant device detects whether the first captured environmental image contains the terminal's screen features; if so, it sends a virtual signature operation command to the user terminal; otherwise, the user terminal renders the virtual signature element based on the material data included in the virtual signature operation data. The user terminal displays the merchant identifier, and if the user terminal detects that the environmental image it captured contains merchant device features, it displays the virtual signature identifier according to the identifier display parameters. If the display of the virtual signature identifier triggers an identifier update condition, the merchant identifier is updated and displayed.

[0136] Furthermore, the user terminal can cooperate with the merchant equipment to perform virtual signature operations. The merchant equipment can also be configured with a signature component, which cooperates with the user terminal to perform virtual signature operations. The signature component can be an electromechanical component with a telescopic structure. After displaying the merchant logo, the user terminal sends a signature command to the merchant equipment. The merchant equipment activates the signature component and sends a signature confirmation command to the user terminal when the signature component is at its maximum extension. The user terminal responds to the signature confirmation command by rendering and displaying the logo, thereby realizing the virtual signature operation of the merchant equipment "stamping" the user terminal. In one optional implementation of this embodiment, performing the virtual signature operation includes:

[0137] The user terminal renders the material based on the material data contained in the operation data to obtain the merchant identifier, displays the merchant identifier, and sends a signature instruction to the merchant device;

[0138] The merchant device responds to the signature instruction by activating the configured signature component and sends a signature confirmation instruction to the user terminal when the signature component is at its maximum displacement.

[0139] In response to the signature confirmation instruction, the user terminal renders and displays the signature merchant identifier based on the signature material data included in the operation data.

[0140] Optionally, user terminals and merchant devices can exchange commands via NFC connection.

[0141] Specifically, the user terminal obtains the operation data for the virtual signature operation from the server, renders the merchant identifier based on the material data contained in the operation data, and displays the merchant identifier. At the same time, a signature command is sent to the merchant device. The merchant device responds to the signature command by activating the signature component. The signature component activates its telescopic structure to move towards the user terminal. When the telescopic structure of the signature component is at its maximum extension, a signature confirmation command is sent to the user terminal. The user terminal responds to the signature confirmation command by rendering the signed merchant identifier based on the signature material data contained in the operation data and replacing the original merchant identifier for display. This allows the merchant device and the user terminal to cooperate in performing a virtual signature operation. The signature component can be configured perpendicular to the user terminal's screen, that is, the telescopic structure of the signature component moves perpendicular to the terminal screen to represent the virtual signature operation of "stamping".

[0142] In practical applications, after the virtual signature operation is completed, there may be a situation where the user confirms the payment, i.e., the user confirms the payment order and enters the payment instruction. For this, a payment reminder message for the payment order can be generated. Furthermore, the payment reminder message can also be generated and displayed when the user's terminal is locked. Optionally, the user terminal generates the payment reminder message when it detects that the screen is locked. Further, the user can trigger the payment reminder message while the screen is locked to redirect to the payment application for payment confirmation and display the virtual signature element within the payment application. Optionally, if the payment reminder message is triggered, the user is redirected to the payment application, and the virtual signature element is displayed within the payment application. Alternatively, the user can also perform NFC payment and display the virtual signature element after entering the payment application; optionally, the user terminal displays the virtual signature element on the application page of the payment application.

[0143] In addition, to improve user convenience, the lock screen display interface can be called when the user terminal is locked to display a virtual signature element, that is, to display a virtual signature element on the screen lock page; optionally, the user terminal calls the lock screen display interface to display the virtual signature element on the screen lock page.

[0144] Step S1106: Receive payment recommendation data constructed and sent by the server based on the order payment result of the order to be paid and the merchant materials.

[0145] In practice, the server processes the payment for the order based on the user's account information, obtains the payment result data, constructs payment recommendation data containing the payment result data, and sends the payment recommendation data to the user terminal; the user terminal receives the payment recommendation data.

[0146] In this embodiment, payment result data is data used to characterize the payment processing result of a payment order. Payment result data can be payment success data and / or payment failure data. Furthermore, payment result data can also be the reason for payment failure. In addition, payment result data can also be payment channel data, discount amount data, merchant information, user's rights registration information with the merchant, etc. It should be noted that payment result data can be any one of the above-mentioned data, or any two or more of the above-mentioned data. This embodiment will not elaborate further.

[0147] In the specific payment process, there are two methods: the merchant device reads the NFC component of the user terminal to obtain the user's account information, and the user terminal establishes a connection and transmits the user's account information by reading the NFC module of the merchant device through its NFC component. When the merchant device reads the NFC component of the user terminal, it can upload the user's account information and order information to the server, which then transfers funds from the user's account to the merchant's account. Alternatively, the merchant device can upload the user's account information and order information to the merchant server, which forwards the information to the server, and the server then transfers funds from the user's account to the merchant's account. Furthermore, when the user terminal establishes a connection and transmits user account information by reading the NFC module of the merchant device through its NFC component, the user terminal sends its account information to the merchant device via NFC. The merchant device then sends the account information and order information to the merchant server to make a pre-order request. The merchant server forwards the account information, order information, and pre-order request to the server, which creates a payment order based on the received information, transfers funds from the user's account to the merchant's account, and asynchronously notifies the merchant server of the payment result upon completion. It should be noted that the payment processing of the payment order in this embodiment can be carried out in either of the two situations mentioned above, and this embodiment does not limit it.

[0148] Step S1108: Render the payment recommendation page based on the payment recommendation data and display the payment recommendation page.

[0149] In practical applications, after NFC payment processing is completed, a payment result page can be generated and sent to the user terminal to enhance the perception of NFC payment. Payment recommendation information can be configured on the payment result page to add a payment recommendation function to NFC payment. In this embodiment, the interaction of the server, user terminal and merchant device is improved through virtual signature operation to enhance the interactive perception of NFC payment and add NFC payment function. After the virtual signature operation instruction, payment recommendation data containing payment result data is constructed and sent to the user terminal. The user terminal renders and displays the payment recommendation page to add the recommendation function of NFC payment and enhance the interaction of NFC payment.

[0150] In practice, the server constructs payment recommendation data containing the payment result data based on the payment result data, and sends the payment recommendation data to the user terminal; after receiving the payment recommendation data, the user terminal renders the payment recommendation page based on the payment recommendation data and displays the payment recommendation page.

[0151] In the specific rendering process, to improve rendering efficiency, the page can first be rendered based on the merchant recommendation materials and signature identification materials included in the payment recommendation data to obtain the recommendation page. Then, the payment result data is added to the recommendation page to obtain the payment recommendation page and display it. In one optional implementation method provided in this embodiment, rendering the payment recommendation page based on the payment recommendation data includes:

[0152] The recommended page is obtained by rendering the page based on the merchant recommendation materials and signature identification materials included in the payment recommendation data;

[0153] The payment result data contained in the payment recommendation data is added to the recommendation page to obtain the payment recommendation page, and the payment recommendation page is displayed.

[0154] Furthermore, during the construction of payment recommendation data, the server can construct merchant recommendation data for merchant recommendation processing; optionally, the payment recommendation data is constructed from payment result data and merchant materials; when performing merchant recommendation processing, the user may have already performed a virtual signature operation at the merchant, and the historical signature record can be updated based on the payment result data, and the merchant's recommendation materials can be obtained to construct the payment recommendation data so that the user terminal can display the latest signature record to represent the "cumulative stamping" effect;

[0155] Correspondingly, after receiving payment recommendation data, the user terminal can generate and display a payment recommendation page containing historical signature records to show the user the number of times virtual signature operations have been performed at the merchant, thereby improving the user's awareness of virtual signature operations and NFC payments. To this end, the recommendation page can be rendered based on merchant recommendation materials and signature identification materials, and the payment result data can be added to the recommendation page to obtain the payment recommendation page, which is then displayed.

[0156] In addition, after the payment recommendation page is generated on the user terminal, there may be situations where users go to the virtual signature service to view signature records and other information. To address this, an access interface for the virtual signature service can be configured on the payment recommendation page. Users can be redirected to the virtual signature service page by triggering the access interface of the recommendation configuration page displayed on the user terminal.

[0157] It should be noted that the payment recommendation page can be displayed on the payment application's application page or when the screen is locked. Specifically, it can be displayed within the payment application after a payment reminder message, or after an NFC payment is made within the payment application. Optionally, the payment recommendation page obtained from the payment rendering recommendation can be displayed on the application page. Furthermore, the payment recommendation page can also be displayed by calling the lock screen display interface when the user's terminal is locked; optionally, the payment recommendation page obtained from the payment rendering recommendation can be displayed on the screen lock page by calling the lock screen display interface.

[0158] In summary, the one or more order payment processing methods provided in this embodiment are applied to user terminals. During the NFC payment process, the NFC component is invoked to establish a near-field communication connection with the merchant device, and user account information is sent to the merchant device through the near-field communication connection. The operation data of the virtual signature operation of the order to be paid is received from the server, and the virtual signature operation is performed according to the operation data instruction. The order payment result based on the order to be paid and the payment recommendation data constructed and sent by the server are received, and the payment recommendation page is rendered and displayed according to the payment recommendation data, so as to increase the functionality of NFC payment and improve the interactive perception of NFC payment.

[0159] During the execution of the virtual signature operation, virtual signature elements, including merchant identifiers and virtual signature identifiers, can be rendered based on the material data contained in the operation data. The virtual signature elements are rendered and dynamically displayed according to the identifier display parameters contained in the operation data to increase merchant participation in NFC payments.

[0160] Furthermore, payment recommendation data can be constructed based on the user's historical signature records at merchants, i.e., historical consumption records. The recommendation page is rendered based on merchant recommendation materials and signature identification materials. The payment result data is added to the recommendation page to obtain and display the payment recommendation page, which is used to show users the operation records of virtual signature operations, improve user perception, and at the same time, merchant recommendation processing is performed to increase the functionality of NFC payment.

[0161] The following description uses the application of an order payment processing method provided in this embodiment in a ride-hailing payment scenario as an example to further illustrate the order payment processing method provided in this embodiment. (See also...) Figure 10 The order payment processing method applied to the ride-hailing payment scenario includes the following steps.

[0162] Step S1002: Invoke the NFC component to establish an NFC connection with the merchant device, and send user account information to the merchant device through the NFC connection.

[0163] Optionally, the NFC connection can be established actively with the merchant device, or passively with the merchant device.

[0164] Step S1008: Render the subway merchant logo based on the material data of the subway merchants contained in the operation data, and display the subway merchant logo.

[0165] Step S1010: Send a signature instruction to the merchant's device.

[0166] Here, the merchant device responds to the signature command by activating the configured signature component, and returns a signature confirmation command when the telescopic structure of the signature component extends to its maximum displacement.

[0167] In step S1012, in response to the signature confirmation instruction, the signature merchant identifier of the subway merchant is rendered and displayed based on the signature material data included in the operation data of the virtual signature operation.

[0168] Step S1022: Receive payment recommendation data sent by the server and render the page to obtain the recommendation page based on the merchant recommendation materials and signature materials of the subway merchants contained in the payment recommendation data.

[0169] Step S1024: Add the payment result data contained in the payment recommendation data to the recommendation page to obtain the payment recommendation page, and display the payment recommendation page.

[0170] This specification provides an example of an order payment processing device as follows:

[0171] In the above embodiments, an order payment processing method applied to a server is provided, and correspondingly, an order payment processing device running on a server is also provided, which will be described below with reference to the accompanying drawings.

[0172] Reference Figure 12 The diagram shows an embodiment of an order payment processing device provided in this embodiment.

[0173] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0174] This embodiment provides an order payment processing device, which runs on a server and includes:

[0175] The pending payment order creation module 1202 is configured to create pending payment orders based on merchant order information and user account information; the user account information is obtained by the merchant device from the user terminal via near-field communication connection.

[0176] The operation data distribution module 1204 is configured to obtain the operation data of the virtual signature operation of the order to be paid and distribute it to the user terminal to execute the virtual signature operation;

[0177] The payment order processing module 1206 is configured to process the payment of the order to be paid based on the user account information and obtain payment result data;

[0178] The payment recommendation data delivery module 1208 is configured to construct payment recommendation data containing the payment result data and deliver it to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

[0179] Another embodiment of the order payment processing device provided in this specification is as follows:

[0180] In the above embodiments, an order payment processing method applied to a user terminal is provided. Correspondingly, an order payment processing device running on a user terminal is also provided, which will be described below with reference to the accompanying drawings.

[0181] Reference Figure 13 The diagram shows an embodiment of an order payment processing device provided in this embodiment.

[0182] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0183] This embodiment provides another order payment processing device, which operates on a user terminal. The device includes:

[0184] The user account information sending module 1302 is configured to call the near-field communication component to establish a near-field communication connection with the merchant device, and send user account information to the merchant device through the near-field communication connection;

[0185] The virtual signature operation execution module 1304 is configured to receive operation data for virtual signature operations of pending payment orders sent by the server, and execute the virtual signature operation according to the operation data; the pending payment order is created based on the user account information and the merchant order information uploaded by the merchant device;

[0186] The payment recommendation data receiving module 1306 is configured to receive payment recommendation data constructed and issued by the server based on the order payment result and merchant materials of the order to be paid.

[0187] The payment recommendation page display module 1308 is configured to render and display a payment recommendation page based on the payment recommendation data.

[0188] This specification provides the following server implementation example:

[0189] Corresponding to the order payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a server for executing the order payment processing method provided above. Figure 14This is a schematic diagram of the structure of a server provided for one or more embodiments of this specification.

[0190] This embodiment provides a server, including:

[0191] like Figure 14 As shown, servers can vary significantly due to differences in configuration or performance. They may include one or more processors 1401 and memory 1402, with memory 1402 storing one or more application programs or data. Memory 1402 can be temporary or persistent storage. The application programs stored in memory 1402 may include one or more modules (not shown), each module including a series of computer-executable instructions for the server. Furthermore, processor 1401 may be configured to communicate with memory 1402, executing the series of computer-executable instructions stored in memory 1402 on the server. The server may also include one or more power supplies 1403, one or more wired or wireless network interfaces 1404, one or more input / output interfaces 1405, etc.

[0192] In one specific embodiment, the server includes memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for use in the server, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0193] A pending payment order is created based on merchant order information and user account information; the user account information is obtained by the merchant device from the user terminal via near-field communication connection.

[0194] The system obtains the operation data for the virtual signature operation of the order to be paid and sends it to the user terminal to execute the virtual signature operation.

[0195] The payment process for the pending order is performed based on the user account information to obtain payment result data;

[0196] Payment recommendation data containing the payment result data is constructed and sent to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

[0197] This specification provides the following embodiment of a user terminal:

[0198] Corresponding to the other order payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a user terminal for executing the other order payment processing method provided above. Figure 15 This is a schematic diagram of the structure of a user terminal provided for one or more embodiments of this specification.

[0199] This embodiment provides a user terminal, including:

[0200] like Figure 15 As shown, user terminals can vary significantly due to differences in configuration or performance. They may include one or more processors 1501 and memory 1502, with memory 1502 storing one or more application programs or data. Memory 1502 can be temporary or persistent storage. The application programs stored in memory 1502 may include one or more modules (not shown), each module including a series of computer-executable instructions from the user terminal. Furthermore, processor 1501 may be configured to communicate with memory 1502, executing the series of computer-executable instructions stored in memory 1502 on the user terminal. The user terminal may also include one or more power supplies 1503, one or more wired or wireless network interfaces 1504, one or more input / output interfaces 1505, one or more keyboards 1506, etc.

[0201] In one specific embodiment, the user terminal includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for use in the user terminal, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0202] The system invokes a near-field communication component to establish a near-field communication connection with the merchant device, and sends user account information to the merchant device through the near-field communication connection.

[0203] The system receives operation data for virtual signature operations on pending payment orders from the server and executes the virtual signature operation based on the operation data; the pending payment orders are created based on the user account information and the merchant order information uploaded by the merchant device.

[0204] Receive payment recommendation data constructed and sent by the server based on the order payment results and merchant materials of the order to be paid;

[0205] The payment recommendation page is rendered and displayed based on the payment recommendation data.

[0206] This specification provides an example of a storage medium as follows:

[0207] Corresponding to the order payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0208] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0209] A pending payment order is created based on merchant order information and user account information; the user account information is obtained by the merchant device from the user terminal via near-field communication connection.

[0210] The system obtains the operation data for the virtual signature operation of the order to be paid and sends it to the user terminal to execute the virtual signature operation.

[0211] The payment process for the pending order is performed based on the user account information to obtain payment result data;

[0212] Payment recommendation data containing the payment result data is constructed and sent to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

[0213] It should be noted that the embodiments of a storage medium described in this specification and the embodiments of an order payment processing method described in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0214] Another embodiment of the storage medium provided in this specification is as follows:

[0215] Corresponding to the other order payment processing method described above, based on the same technical concept, one or more embodiments of this specification also provide another storage medium.

[0216] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0217] The system invokes a near-field communication component to establish a near-field communication connection with the merchant device, and sends user account information to the merchant device through the near-field communication connection.

[0218] The system receives operation data for virtual signature operations on pending payment orders from the server and executes the virtual signature operation based on the operation data; the pending payment orders are created based on the user account information and the merchant order information uploaded by the merchant device.

[0219] Receive payment recommendation data constructed and sent by the server based on the order payment results and merchant materials of the order to be paid;

[0220] The payment recommendation page is rendered and displayed based on the payment recommendation data.

[0221] It should be noted that the embodiments of another storage medium in this specification and the embodiments of another order payment processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0222] The various embodiments in this specification are described in a progressive manner. For the same or similar parts between the various embodiments, please refer to each other. Each embodiment focuses on describing the differences from other embodiments. For example, the device embodiment, equipment embodiment, and storage medium embodiment are all similar to the method embodiment, so the description is relatively simple. For reading the relevant content of the device embodiment, equipment embodiment, and storage medium embodiment, please refer to the description of the method embodiment.

[0223] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0224] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using a hardware physical module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0225] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC626D, Atmel AT151SAM, Microchip PIC18F26K20, and Silicon Labs C8061F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0226] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0227] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0228] Those skilled in the art will understand that one or more embodiments of this specification can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0229] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a machine for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0230] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0231] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0232] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0233] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0234] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0235] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0236] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0237] The above description is merely an embodiment of this document and is not intended to limit the scope of this document. Various modifications and variations can be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. An order payment processing method, applied to a server, the method comprising: Create a pending payment order based on merchant order information and user account information; The user account information is obtained by the merchant device from the user terminal via a near-field communication connection. The system obtains the operation data for the virtual signature operation of the order to be paid and sends it to the user terminal to execute the virtual signature operation. The payment process for the pending order is performed based on the user account information to obtain payment result data; Payment recommendation data containing the payment result data is constructed and sent to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

2. The order payment processing method according to claim 1, wherein performing the virtual signature operation includes: Based on the material data contained in the operation data, material rendering is performed to obtain virtual signature elements; The virtual signature element includes a merchant identifier and a virtual signature identifier; The virtual signature element is displayed according to the identifier display parameters included in the operation data.

3. The order payment processing method according to claim 2, wherein the step of displaying the virtual signature element according to the identifier display parameters included in the operation data includes: The merchant identifier is displayed, and when the environmental image collected by the user terminal is detected to contain merchant equipment features, the virtual signature identifier is displayed according to the identifier display parameters of the virtual signature identifier. If the display of the virtual signature triggers the identifier update condition, the merchant identifier is updated and the updated merchant identifier is displayed.

4. The order payment processing method according to claim 2, before executing the step of rendering the virtual signature element based on the material data included in the operation data, further includes: If the merchant device detects whether the environmental image it collects contains terminal screen features, it sends the operation instruction for the virtual signature operation to the user terminal.

5. The order payment processing method according to claim 1, wherein performing the virtual signature operation includes: The user terminal renders the material based on the material data contained in the operation data to obtain the merchant identifier, displays the merchant identifier, and sends a signature instruction to the merchant device; The merchant device responds to the signature instruction by activating the configured signature component and sends a signature confirmation instruction to the user terminal when the signature component is at its maximum displacement. In response to the signature confirmation instruction, the user terminal renders and displays the signature merchant identifier based on the signature material data included in the operation data.

6. The order payment processing method according to claim 1, wherein constructing payment recommendation data including the payment result data includes: Obtain the user's historical signature records for the merchant under the virtual signature service, and update the historical signature records based on the payment result data to obtain the target signature record; Obtain the signature identifier material corresponding to the target signature record, as well as the merchant recommendation material of the merchant; The payment recommendation data is constructed based on the payment result data, the signature identification material, and the merchant recommendation material.

7. The order payment processing method according to claim 6, wherein the step of performing payment rendering recommendation based on the payment recommendation data includes: A recommended page is obtained by rendering the page based on the merchant recommendation materials and the signature / identification materials. The payment result data is added to the recommendation page to obtain a payment recommendation page, and the payment recommendation page is displayed.

8. The order payment processing method according to claim 7, further comprising: If the access interface for the virtual signature service configured on the payment recommendation page is triggered, the service page for the virtual signature service will be generated. The service page is returned to the user terminal.

9. The order payment processing method according to claim 1, further comprising, after the step of creating a payment order based on merchant order information and user account information is executed, and before the step of processing the payment for the payment order based on the user account information and obtaining payment result data, the method further comprises: Detect whether the user to which the user terminal belongs is a registered user of the merchant corresponding to the merchant device; If so, the user's identity is verified based on the user image collected by the user terminal or the merchant equipment, and the payment processing operation is performed after the identity verification.

10. The order payment processing method according to claim 2, wherein the user terminal establishes the near-field communication connection with the merchant device by calling a near-field communication component, and the near-field communication component is called after entering the payment application; The user terminal displays the virtual signature element on the application page of the payment application, and displays the payment recommendation page obtained by the payment rendering recommendation on the application page.

11. The order payment processing method according to claim 2, wherein the user terminal generates a payment reminder message for the order to be paid when it detects that the screen is in a locked state; If the payment reminder message is triggered, the user is redirected to the payment application, where the virtual signature element is displayed, and the payment recommendation page obtained from the payment rendering recommendation is also displayed within the payment application.

12. The order payment processing method according to claim 2, wherein the user terminal calls the lock screen display interface to display the virtual signature element on the screen lock page; Additionally, by calling the lock screen display interface, the payment recommendation page obtained from the payment rendering recommendation is displayed on the screen lock page.

13. An order payment processing method, applied to a user terminal, the method comprising: The system invokes a near-field communication component to establish a near-field communication connection with the merchant device, and sends user account information to the merchant device through the near-field communication connection. Receive operation data for virtual signature operation of pending payment orders sent by the server, and execute the virtual signature operation according to the operation data; The pending payment order is created based on the user account information and the merchant order information uploaded by the merchant device; Receive payment recommendation data constructed and sent by the server based on the order payment results and merchant materials of the order to be paid; The payment recommendation page is rendered and displayed based on the payment recommendation data.

14. The order payment processing method according to claim 13, wherein performing the virtual signature operation based on the operation data includes: Based on the material data contained in the operation data, material rendering is performed to obtain virtual signature elements; The virtual signature element includes a merchant identifier and a virtual signature identifier; The virtual signature element is displayed according to the identifier display parameters included in the operation data.

15. The order payment processing method according to claim 14, wherein the step of displaying the virtual signature element according to the identifier display parameters included in the operation data includes: The merchant identifier is displayed, and when the collected environmental image is detected to contain merchant device features, the virtual signature identifier is displayed according to the identifier display parameters of the virtual signature identifier. If the display of the virtual signature triggers the identifier update condition, the merchant identifier is updated and the updated merchant identifier is displayed.

16. The order payment processing method according to claim 13, wherein performing the virtual signature operation includes: Based on the material data contained in the operation data, material rendering is performed to obtain the merchant identifier, the merchant identifier is displayed, and a signature instruction is sent to the merchant device; The merchant device responds to the signature instruction by activating the configured signature component and returns a signature confirmation instruction when the signature component is at its maximum displacement. In response to the signature confirmation instruction, the signature merchant identifier is rendered and displayed based on the signature material data contained in the operation data.

17. The order payment processing method according to claim 13, wherein rendering the payment recommendation page based on the payment recommendation data includes: The recommended page is obtained by rendering the page based on the merchant recommendation materials and signature identification materials included in the payment recommendation data; The payment result data contained in the payment recommendation data is added to the recommendation page to obtain the payment recommendation page.

18. The order payment processing method according to claim 14, before the step of invoking the near-field communication component to establish a near-field communication connection with the merchant device and sending user account information to the merchant device through the near-field communication connection, further comprising: Access the payment application based on the user's access instructions; The virtual signature element is displayed on the application page of the payment application, and the payment recommendation page is also displayed on the application page.

19. The order payment processing method according to claim 14, after the step of calling the near-field communication component to establish a near-field communication connection with the merchant device and sending user account information to the merchant device through the near-field communication connection is performed, it further includes: If the screen is detected to be locked, a payment reminder message for the order to be paid is generated; If the payment reminder message is triggered, the user is redirected to the payment application; the display of the virtual signature element and the display of the payment recommendation page are performed within the payment application.

20. An order payment processing device, operating on a server, the device comprising: The pending payment order creation module is configured to create pending payment orders based on merchant order information and user account information; The user account information is obtained by the merchant device from the user terminal via a near-field communication connection. The operation data distribution module is configured to obtain the operation data of the virtual signature operation of the order to be paid and distribute it to the user terminal to execute the virtual signature operation; The payment order processing module is configured to process the payment of the pending order based on the user account information and obtain payment result data; The payment recommendation data delivery module is configured to construct payment recommendation data containing the payment result data and deliver it to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

21. An order payment processing device, operating on a user terminal, the device comprising: The user account information sending module is configured to call the near-field communication component to establish a near-field communication connection with the merchant device, and send user account information to the merchant device through the near-field communication connection; The virtual signature operation execution module is configured to receive operation data for the virtual signature operation of the order to be paid from the server, and execute the virtual signature operation according to the operation data; The pending payment order is created based on the user account information and the merchant order information uploaded by the merchant device; The payment recommendation data receiving module is configured to receive payment recommendation data constructed and distributed by the server based on the order payment result and merchant materials of the order to be paid. The payment recommendation page display module is configured to render and display a payment recommendation page based on the payment recommendation data.

22. A server, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: A pending payment order is created based on merchant order information and user account information; the user account information is obtained by the merchant device from the user terminal via near-field communication connection. The system obtains the operation data for the virtual signature operation of the order to be paid and sends it to the user terminal to execute the virtual signature operation. The payment process for the pending order is performed based on the user account information to obtain payment result data; Payment recommendation data containing the payment result data is constructed and sent to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

23. A user terminal, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: The system invokes a near-field communication component to establish a near-field communication connection with the merchant device, and sends user account information to the merchant device through the near-field communication connection. Receive operation data for virtual signature operation of pending payment orders sent by the server, and execute the virtual signature operation according to the operation data; The pending payment order is created based on the user account information and the merchant order information uploaded by the merchant device; Receive payment recommendation data constructed and sent by the server based on the order payment results and merchant materials of the order to be paid; The payment recommendation page is rendered and displayed based on the payment recommendation data.

24. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: A pending payment order is created based on merchant order information and user account information; the user account information is obtained by the merchant device from the user terminal via near-field communication connection. The system obtains the operation data for the virtual signature operation of the order to be paid and sends it to the user terminal to execute the virtual signature operation. The payment process for the pending order is performed based on the user account information to obtain payment result data; Payment recommendation data containing the payment result data is constructed and sent to the user terminal to perform payment rendering recommendations based on the payment recommendation data.

25. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: The system invokes a near-field communication component to establish a near-field communication connection with the merchant device, and sends user account information to the merchant device through the near-field communication connection. Receive operation data for virtual signature operation of pending payment orders sent by the server, and execute the virtual signature operation according to the operation data; The pending payment order is created based on the user account information and the merchant order information uploaded by the merchant device; Receive payment recommendation data constructed and sent by the server based on the order payment results and merchant materials of the order to be paid; The payment recommendation page is rendered and displayed based on the payment recommendation data.

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