Two-dimensional code display method, device, equipment, system and medium

Abstract

The invention discloses a two-dimensional code display method, device, equipment, system and medium, and belongs to the technical field of payment. The method comprises the steps that payment information obtained by scanning a payment two-dimensional code of a user terminal by an acceptance terminal is received, the payment information comprises configuration object information, and the configuration object information is used for representing a configuration object; according to the configuration object information, a two-dimensional code setting condition associated with the configuration object is searched, and the two-dimensional code setting condition and the two-dimensional code dominant form information have a corresponding configuration relation; if user payment behavior information obtained based on the payment information meets the two-dimensional code setting condition, a two-dimensional code display updating instruction is sent to the user terminal, and the two-dimensional code display updating instruction comprises two-dimensional code dominant form information corresponding to the two-dimensional code setting condition in the configuration relation; the two-dimensional code dominant form information in the two-dimensional code display updating instruction is used for enabling the user terminal to update the displayed dominant form of the payment two-dimensional code. According to the embodiment of the invention, the function of the payment two-dimensional code can be enriched.

Description

Technical Field

[0001] The present application belongs to the field of payment technology, and in particular, relates to a method, device, equipment, system and medium for displaying a QR code. Background Art

[0002] With the continuous development of mobile payment technology, QR code payment has become one of the important payment methods. QR codes can carry rich information. For example, the use of QR codes can be divided into primary reading and read-by-reading. Primary reading is when users use user terminals to scan QR codes and quickly obtain the URL link, video, audio, text and other information associated with the QR code; read-by-reading is when users display the QR code through user terminals, and the QR code is scanned for information identification and reading. The read information can be used as a business voucher for payment and other services.

[0003] However, the QR code has a single model in payment and other businesses and can provide limited functions. Its other functions in payment and other businesses need to be further explored. Summary of the invention

[0004] The embodiments of the present application provide a method, device, equipment, system and medium for displaying a QR code, which can enrich the functions of a payment QR code.

[0005] In a first aspect, an embodiment of the present application provides a method for displaying a QR code, which is applied to a background system, and the method includes: receiving payment information obtained by an acceptance terminal scanning a payment QR code of a user terminal, the payment information including configuration object information, the configuration object information being used to characterize the configuration object, the configuration object including one or more of a user, a merchant, a switching platform, and a payment card institution; according to the configuration object information, searching for a QR code setting condition associated with the configuration object, the QR code setting condition having a corresponding configuration relationship with the QR code explicit form information; if the user payment behavior information obtained based on the payment information satisfies the QR code setting condition, sending a QR code display update instruction to the user terminal, the QR code display update instruction including the QR code explicit form information corresponding to the QR code setting condition in the configuration relationship, and the QR code explicit form information in the QR code display update instruction is used to enable the user terminal to update the explicit form of the displayed payment QR code.

[0006] In a second aspect, an embodiment of the present application provides a method for displaying a QR code, which is applied to a user terminal, and the method includes: in response to a payment trigger input, displaying a payment QR code, the payment QR code is scanned by an acceptance terminal to obtain payment information, the payment information includes configuration object information, the configuration object information is used to characterize the configuration object, the configuration object includes one or more of a user, a merchant, a switching platform, and a payment card institution; receiving a QR code display update instruction sent by a background system when the user payment behavior information obtained based on the payment information meets the QR code setting conditions, the QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship, the QR code setting conditions are associated with the configuration object, and the QR code setting conditions and the QR code explicit form information have a configuration relationship; updating the explicit form of the displayed payment QR code according to the QR code explicit form information in the QR code display update instruction.

[0007] In a third aspect, an embodiment of the present application provides a QR code display device, which is applied to a background system, and the device includes: a receiving module, which is used to receive payment information obtained by an acceptance terminal scanning a payment QR code of a user terminal, the payment information including configuration object information, the configuration object information is used to characterize the configuration object, and the configuration object includes one or more of a user, a merchant, a switching platform, and a payment card institution; a condition search module, which is used to search for a QR code setting condition associated with the configuration object according to the configuration object information, and the QR code setting condition has a corresponding configuration relationship with the QR code explicit form information; a sending module, which is used to send a QR code display update instruction to the user terminal if the user payment behavior information obtained based on the payment information meets the QR code setting condition, the QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting condition in the configuration relationship, and the QR code explicit form information in the QR code display update instruction is used to enable the user terminal to update the explicit form of the displayed payment QR code.

[0008] In a fourth aspect, an embodiment of the present application provides a user terminal, comprising: a display module, for displaying a payment QR code in response to a payment trigger input, the payment QR code being scanned by an acceptance terminal to obtain payment information, the payment information including configuration object information, the configuration object information being used to characterize the configuration object, the configuration object including one or more of a user, a merchant, a switching platform, and a payment card institution; a receiving module, for receiving a QR code display update instruction sent by a background system when the user payment behavior information obtained based on the payment information meets the QR code setting conditions, the QR code display update instruction including the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship, the QR code setting conditions being associated with the configuration object, and the QR code setting conditions and the QR code explicit form information having a configuration relationship; the display module is also used to update the explicit form of the displayed payment QR code according to the QR code explicit form information in the QR code display update instruction.

[0009] In a fifth aspect, an embodiment of the present application provides an electronic device, which is applied to a background system. The electronic device includes: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the QR code display method of the first aspect is implemented.

[0010] In a sixth aspect, an embodiment of the present application provides a user terminal, comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the QR code display method of the second aspect is implemented.

[0011] In the seventh aspect, an embodiment of the present application provides a QR code display system, including: a background system, used to execute the QR code display method of the first aspect; a user terminal, which is communicated with the background system and is used to execute the QR code display method of the second aspect.

[0012] In an eighth aspect, an embodiment of the present application provides a computer-readable storage medium having computer program instructions stored thereon. When the computer program instructions are executed by a processor, the QR code display method of the first aspect or the QR code display method of the second aspect is implemented.

[0013] In a ninth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the QR code display method of the first aspect or the QR code display method of the second aspect.

[0014] The embodiments of the present application provide a method, device, equipment, system and medium for displaying a QR code. The background system can receive the payment information obtained by the acceptance terminal scanning the payment QR code of the user terminal, and determine the configuration object. If the user payment behavior information obtained based on the user payment information satisfies the QR code setting conditions associated with the configuration object, the QR code explicit form information corresponding to the QR code setting conditions associated with the configuration object is determined in the configuration relationship between the QR code setting conditions and the QR code explicit form information, and the QR code explicit form information is transmitted to the user terminal through the QR code display update instruction. The user terminal can update the explicit form of the payment QR code according to the QR code display update instruction. The configuration object can realize personalized customization of the payment QR code through the QR code setting conditions associated with the configuration object, so that in addition to the payment function, the payment QR code can also realize reminders, important information display, information push and other functions through the change of explicit form, which greatly enriches the function of the payment QR code. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0016] Figure 1 A schematic diagram of the architecture of a QR code display system provided in one embodiment of the present application;

[0017] Figure 2 A flowchart of a method for displaying a QR code provided in one embodiment of the present application;

[0018] Figure 3 A flowchart of a method for displaying a QR code provided in another embodiment of the present application;

[0019] Figure 4 A flowchart of a method for displaying a QR code provided in another embodiment of the present application;

[0020] Figure 5 A flowchart of a method for displaying a QR code provided in yet another embodiment of the present application;

[0021] Figure 6 A schematic diagram of the structure of a display device for a two-dimensional code provided in one embodiment of the present application;

[0022] Figure 7 A schematic diagram of the structure of a user terminal provided in one embodiment of the present application;

[0023] Figure 8 A schematic diagram of the structure of an electronic device provided in one embodiment of the present application. DETAILED DESCRIPTION

[0024] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended only to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by showing examples of the present application. It should be noted that the acquisition, storage, use, and processing of information and data in the embodiments of the present application are authorized by users or relevant agencies, in compliance with the relevant provisions of national laws and regulations.

[0025] With the continuous development of mobile payment technology, QR code payment has become one of the important payment methods. QR codes can carry rich information. For example, the use of QR codes can be divided into primary reading and read-by-reading. The primary reading is when the user uses the user terminal to scan the QR code and quickly obtains the URL link, video, audio, text and other information associated with the QR code; the read-by-reading is when the user displays the QR code through the user terminal, and the QR code is scanned for information identification and reading. The read information can be used as a business voucher for payment and other businesses. However, the QR code has a single mode in payment and other businesses, and the functions it can provide are limited. It cannot support personalized settings, and its other functions in payment and other businesses need to be further explored.

[0026] The present application provides a method, device, equipment, system, medium and program product for displaying a QR code, which can simultaneously utilize the explicit information and invisible information of a payment QR code. In the payment process, the invisible information of the payment QR code is used to determine the object with personalized needs, thereby obtaining the personalized settings of various objects, and obtaining the explicit information of the payment QR code corresponding to the personalized settings of various objects. After the payment is completed, the explicit information of the payment QR code corresponding to the personalized settings can be sent to the user terminal, so that the user terminal updates the payment QR code according to the explicit information of the payment QR code corresponding to the personalized settings, so that the explicit form of the updated payment QR code changes, thereby providing users with reminders, important information display, information push and other functions, realizing personalized settings for the payment QR code, enriching the functions of the payment QR code, and improving user experience.

[0027] To facilitate understanding, a brief introduction is first given here to the display system of the QR code in the embodiment of the present application. Figure 1 A schematic diagram of the architecture of a QR code display system provided in one embodiment of the present application, such as Figure 1 As shown, the QR code display system may include a user terminal 11 and a background system 12 . In some examples, the QR code display system may also include an acceptance terminal 13 .

[0028] The user terminal 11 may include but is not limited to mobile phones, tablet computers, smart bracelets, smart watches and other devices that can display payment QR codes. The payment QR code displayed by the user terminal 11 can be scanned by the acceptance terminal 13. The acceptance terminal scans the payment QR code to obtain the implicit information of the payment QR code, that is, the information contained in the payment QR code after parsing. The acceptance terminal 13 may include but is not limited to point-of-sale devices, i.e., POS machines. The user terminal 11 may be connected to the backend system 12 in communication. The acceptance terminal 13 may be connected to the backend system 12 in communication.

[0029] The backend system 12 can receive access from the user terminal 11 and the acceptance terminal 13. The backend system may include but is not limited to the backend system of the application in the user terminal 11, the backend system of the acquiring institution, the backend system of the payment card institution of the payment card bound to the user terminal 11, the payment transfer system, etc. The specific composition of the backend system can be adjusted according to the scenario, demand, etc. The acceptance terminal 13 can communicate and interact with the backend system of the acquiring institution. The backend system of the application, the backend system of the payment card institution, and the payment transfer system can communicate and interact with the backend system of the acquiring institution. The backend system of the application can communicate and interact with the backend system of the payment card institution and the payment transfer system. The backend system of the payment card institution can communicate and interact with the payment transfer system. In the embodiment of the present application, the backend system 12 can not only issue a payment QR code to the user terminal, but also provide the user terminal with the QR code explicit form information that can indicate the explicit form of the payment QR code, so that the user terminal can display the payment QR code in various display forms. The functions of the backend system 12 can be implemented by devices of the same type or different types, and the types and quantities of devices in the backend system 12 are not limited here.

[0030] The following describes the QR code display method, device, equipment, system, medium and program product provided by this application.

[0031] A first aspect of the present application provides a method for displaying a QR code, which is applied to a background system, that is, the method for displaying a QR code can be executed by the background system. Figure 2 A flowchart of a method for displaying a QR code provided in an embodiment of the present application, such as Figure 2 As shown, the method for displaying the QR code may include steps S201 to S203.

[0032] In step S201, the payment information obtained by the acceptance terminal scanning the payment QR code of the user terminal is received.

[0033] The user terminal responds to the payment trigger input and displays the payment QR code. The acceptance terminal scans the payment QR code to obtain the implicit information contained in the payment QR code. In the embodiment of the present application, the user terminal displays the payment QR code, that is, displays the payment QR code. The acceptance terminal initiates payment and sends payment information to the background system. The payment information may include configuration object information, and the configuration object information is used to characterize the configuration object, and the configuration object includes an object that can configure the explicit form of the payment QR code. The configuration object includes one or more of the user, merchant, transfer platform, and payment card institution, that is, the configuration object information may include but is not limited to user information, merchant information, transfer platform information, payment card information, etc. The payment information may also include order identification, payment resource amount, payment time and other information, which is not limited here. The configuration object information can be obtained from the implicit information contained in the payment QR code and the acceptance terminal, which is not limited here.

[0034] In step S202, the QR code setting condition associated with the configuration object is searched according to the configuration object information.

[0035] The configuration object can pre-set the QR code setting conditions, and the configuration object has an association relationship with the QR code setting conditions set by itself. Different configuration objects can set different QR code setting conditions, that is, the QR code setting conditions associated with different configuration objects can be different. For example, the QR code setting conditions associated with the user, the QR code setting conditions associated with the merchant, the QR code setting conditions associated with the transfer platform, and the QR code setting conditions associated with the payment card institution can be different, the QR code setting conditions associated with different merchants can also be different, the QR code setting conditions associated with different users can also be different, and the QR code setting conditions associated with different payment card institutions can also be different. The QR code setting conditions include conditions for realizing one function or multiple functions by updating the explicit form of the payment QR code. The functions that can be realized by updating the explicit form of the payment QR code may include but are not limited to reminders, important information display, information push, etc. If the QR code setting conditions are met, it means that the explicit form of the payment QR code needs to be updated. The QR code setting conditions and the QR code explicit form information have a corresponding configuration relationship. In the configuration relationship, different QR code setting conditions correspond to different QR code explicit form information, that is, when different QR code setting conditions are met, the user terminal will display payment QR codes in different explicit forms.

[0036] In step S203, if the user payment behavior information obtained based on the payment information meets the QR code setting conditions, a QR code display update instruction is sent to the user terminal.

[0037] User payment behavior information can represent the user behavior that can be obtained based on this payment. The user behavior obtained based on this payment may include the user's current payment behavior, and may also include the user's historical behavior obtained by tracing back based on the payment information. At least part of the information in the payment information can be directly used as the user payment behavior information, or information associated with the payment information can be obtained based on the payment information as the user payment behavior information. For example, the payment information may include the payment time, which can reflect the user's payment behavior in the time dimension this time, and the payment time can be used as the user payment behavior information. For another example, the payment information may include user information, and the user's historical payment times indicated by the user information can be obtained based on the user information, reflecting the user's historical payment behavior, and the user's historical payment times can be used as the user payment behavior information. In the case where the backend system includes multiple subsystems, such as the backend system of the application in the user terminal, the backend system of the acquiring institution, the backend system of the payment card institution of the payment card bound to the user terminal, the payment transfer system and other subsystems, the user payment behavior information can be obtained through the interaction of multiple subsystems. For example, if the user payment behavior information includes the payment time, the acquiring institution's backend system may directly determine the payment time in the payment information as the user payment behavior information; if the user payment behavior information includes the user's total payment resources within a predetermined time period, the acquiring institution's backend system may send the user information in the payment information to the payment transfer system, and the transfer system may obtain the total payment resources of the user indicated by the user information within the predetermined time period based on the user information, and determine the total payment resources of the user within the predetermined time period as the user payment behavior information; there are also other interactions between subsystems, which are not illustrated one by one here.

[0038] The payment behavior information satisfies the QR code setting conditions, and the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship can be effective on the user terminal. The QR code explicit form information is used to represent the explicit form of the payment QR code. The QR code setting conditions are met, and the explicit form of the payment QR code displayed by the user terminal should be updated to the explicit form represented by the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship. In order to make the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship effective, the QR code explicit form information can be sent to the user terminal via a QR code display update instruction. The QR code display update instruction is used to instruct the user terminal to update the payment QR code. The QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting conditions in the configuration relationship, and the QR code explicit form information in the QR code display update instruction is used to enable the user terminal to update the explicit form of the payment QR code displayed.

[0039] The user terminal responds to the QR code display update instruction and updates the explicit form of the payment QR code according to the QR code explicit form information in the QR code display update instruction, so that the explicit form of the updated payment QR code is consistent with the explicit form represented by the QR code explicit form information in the QR code display update instruction. In some examples, the QR code explicit form information can be used to represent but is not limited to one or more of the following: QR code shape, QR code color, and QR code included prompt information. Correspondingly, the QR code explicit form information may include but is not limited to one or more of the QR code shape information, QR code color information, and included prompt information. The color, shape, included prompt information, etc. of the payment code can be updated through the QR code display update instruction. The prompt information contained in the QR code may include text and / or icons. For example, the initial payment QR code is rectangular in shape and black in color, and does not contain icons or text. According to the QR code display update instruction, the payment QR code updated in shape is square, but yellow in color, and contains a date, which is the user's business processing day. By changing the color of the payment QR code and adding text (i.e., date) in the payment QR code, the user is reminded that the business processing day is approaching. In some examples, the user terminal can update the explicit form of the payment QR code after the payment corresponding to the payment QR code is completed, and display the payment QR code after the updated explicit form.

[0040] In the embodiment of the present application, the backend system can receive the payment information obtained by the acceptance terminal scanning the payment QR code of the user terminal, and determine the configuration object. If the user payment behavior information obtained based on the user payment information meets the QR code setting conditions associated with the configuration object, the QR code explicit form information corresponding to the QR code setting conditions associated with the configuration object is determined in the configuration relationship between the QR code setting conditions and the QR code explicit form information, and the QR code explicit form information is transmitted to the user terminal through the QR code display update instruction. The user terminal can update the explicit form of the payment QR code according to the QR code display update instruction. The configuration object can realize the personalized customization of the payment QR code through the QR code setting conditions associated with the configuration object, so that the payment QR code can realize multiple functions such as reminders, important information display, and information push through the change of explicit form in addition to the payment function, which greatly enriches the functions of the payment QR code, and enhances the fun of the payment QR code and improves the user experience. In addition, the payment process incorporates multiple functions displayed to users such as reminders, important information display, and information push, without the need for the user terminal to install other transaction reminder applications, and can also reduce the space occupied by applications in the user terminal on the basis of meeting more user needs.

[0041] In some embodiments, the QR code setting conditions may include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0042] Transaction incentive conditions may include conditions for achieving incentives for users by changing the explicit form of the payment QR code, and the incentives for users may be reflected through the display of important information and information push. For example, using the QR code display method in the embodiment of the present application, if the transaction incentive conditions are met, the color of the payment QR code can be updated to gold, and a crown icon, "VIP" text, or text prompting interaction with staff to obtain gifts can be added to a certain area in the payment QR code. An electronic ticket as an incentive can also be issued to the user simultaneously, and the color and shape of the payment QR code can be changed or icons and text can be added to the payment QR code to prompt that the electronic ticket has been issued to the user, which is not limited here.

[0043] In the case where the QR code setting conditions include transaction incentive conditions, the user payment behavior information may include but is not limited to one or more of the following: the user's transaction behavior information within the predetermined time period, the user's transaction behavior information with the designated merchant within the predetermined time period, and the user's transaction behavior information with the designated payment card within the predetermined time period. The user's transaction behavior information within the predetermined time period includes information reflecting the user's transaction behavior within the predetermined time period, for example, the user's transaction behavior information within the predetermined time period may include but is not limited to the user's transaction resource volume within the predetermined time period, the number of transactions of the user within the predetermined time period, etc. The transaction behavior information between the user and the designated merchant within the predetermined time period includes information reflecting the transaction behavior of the user and the designated merchant within the predetermined time period, for example, the transaction behavior between the user and the designated merchant within the predetermined time period may include but is not limited to the transaction resource volume between the user and the designated merchant within the predetermined time period, the number of transactions between the user and the designated merchant within the predetermined time period, etc. The transaction behavior information of the user's designated payment card within the predetermined time period may include the transaction behavior of the user using a certain payment card or a payment card of a certain payment institution to conduct transactions within the predetermined time period. For example, the transaction behavior information of the user's designated payment card within the predetermined time period may include but is not limited to the transaction resource amount of the user's designated payment card within the predetermined time period, the number of transactions of the user's designated payment card within the predetermined time period, etc. Correspondingly, the transaction incentive conditions may include but are not limited to one or more of the following: the transaction resource amount of the user within the predetermined time period is within the incentive resource amount range; the number of transactions of the user within the predetermined time period is within the incentive number range; the transaction resource amount of the user and the designated merchant within the predetermined time period is within the incentive number range; the transaction number of the user and the designated merchant within the predetermined time period is within the incentive number range; the transaction resource amount of the user's designated payment card within the predetermined time period is within the incentive resource amount range; the number of transactions of the user's designated payment card within the predetermined time period is within the incentive number range.

[0044] For ease of understanding, an example is used here to illustrate the display process of the QR code under transaction incentive conditions in the payment scenario. For example, the display process of the QR code under transaction incentive conditions in the payment scenario may include steps a1 to a6.

[0045] In step a1, the user terminal displays a payment QR code in response to the user's payment trigger input.

[0046] In step a2, the acceptance terminal scans the payment QR code, obtains the implicit information contained in the payment QR code, and transmits the payment information including the implicit information, merchant information, etc. to the backend system of the acquiring institution. The implicit information includes user information, etc.

[0047] In step a3, the backend system of the acquiring institution identifies the user based on the user information in the payment information, and queries the transaction incentive conditions associated with the merchant indicated by the merchant information, which can be pre-set by the merchant.

[0048] In step a4, if the user payment behavior information obtained based on the payment information meets the transaction incentive conditions, and the QR code explicit form information corresponding to the transaction incentive conditions is obtained, the backend system of the acquiring institution can send a QR code display update request to the backend system of the payment application in the user terminal, and the QR code display update request includes the QR code explicit form information corresponding to the transaction incentive conditions.

[0049] In step a5, the backend system of the payment application sends a QR code display update instruction to the payment application in the user terminal. The QR code display update instruction includes the QR code explicit form information corresponding to the transaction incentive condition.

[0050] In step a6, the payment application in the user terminal updates the explicit form of the payment QR code according to the QR code display update instruction. The explicit form of the payment QR code changes, and the updated explicit form of the payment QR code can give reminders, incentives, information push, etc. to users, merchants, etc. For example, the color of the payment QR code changes, which can prompt the merchant to give a gift to the user, or can prompt the user that an electronic ticket has been issued to the user.

[0051] For the specific contents of the above steps a1 to a6, please refer to the relevant descriptions in the embodiments of the present application and will not be repeated here.

[0052] Transaction reminder conditions may include conditions for reminding users of transaction-related services by changing the explicit form of the payment QR code. For example, using the QR code display method in the embodiment of the present application, if the transaction reminder conditions are met, the color of the payment QR code can be updated to red, and text or icons that remind users that a transaction date is approaching or text or icons that remind users that they are approaching the payment resource limit can be added to a certain area of ​​the payment QR code, such as adding text such as "2 days left for credit card repayment date" to a certain area of ​​the payment QR code, and adding text such as "payment limit" to a certain area of ​​the payment QR code, which is not limited here.

[0053] In the case where the QR code setting conditions include transaction reminder conditions, the user payment behavior information includes one or more of the following: the payment time of the payment corresponding to the payment QR code, the transaction behavior information of the user within the predetermined time period, and the transaction behavior information of the user's designated payment card within the predetermined time period. The payment time of the payment corresponding to the payment QR code includes the time when the payment QR code is used for payment this time. The transaction behavior information of the user within the predetermined time period and the transaction behavior information of the user's designated payment card within the predetermined time period can be found in the relevant descriptions in the above embodiments, which will not be repeated here. Correspondingly, the transaction reminder conditions may include but are not limited to one or more of the following: the duration of the payment time from the predetermined moment is within the reminder duration range; the transaction resource volume of the user within the predetermined time period is within the transaction reminder resource volume range; the number of transactions of the user within the predetermined time period is within the transaction reminder number range; the transaction resource volume of the user's designated payment card within the predetermined time period is within the transaction reminder resource volume range; the number of transactions of the user's designated payment card within the predetermined time period is within the transaction reminder number range.

[0054] For ease of understanding, an example is used here to illustrate the display process of the QR code under transaction reminder conditions in the payment scenario. For example, the display process of the QR code under transaction reminder conditions in the payment scenario may include steps b1 to b7.

[0055] In step b1, the user terminal displays a payment QR code in response to the user's payment trigger input.

[0056] In step b2, the acceptance terminal scans the payment QR code, obtains the implicit information contained in the payment QR code, and transmits the payment information including the implicit information, merchant information, etc. to the backend system of the acquiring institution. The implicit information includes user information, etc.

[0057] In step b3, the acquirer's backend system transmits the payment information to the backend system of the payment application in the user terminal.

[0058] In step b4, the backend system of the payment application identifies the user according to the user information in the payment information, and queries the QR code setting conditions associated with the user, which can be pre-set by the user.

[0059] In step b4, if the QR code setting conditions include transaction reminder conditions, the backend system of the payment application sends a transaction service query request to the backend system of the payment card institution.

[0060] In step b5, the backend system of the payment application receives the transaction query result fed back by the backend system of the payment card institution, and determines the transaction query result as the user payment behavior information.

[0061] In step b6, if the user payment behavior information satisfies the transaction reminder condition, the QR code explicit form information corresponding to the transaction reminder condition is obtained, and the backend system of the payment application can send a QR code display update instruction to the payment application in the user terminal. The QR code display update instruction includes the QR code explicit form information corresponding to the transaction reminder condition.

[0062] In step b7, the payment application in the user terminal updates the explicit form of the payment QR code according to the QR code display update instruction. The explicit form of the payment QR code changes, and the updated explicit form of the payment QR code can give the user reminders related to transaction services, etc. For example, the color of the payment QR code is updated from black to red, which can remind the user that the current time from the user's transaction service processing time is within 2 days; for another example, an icon with the words "2 days" is added to a certain area in the payment QR code to remind the user that the current time from the user's transaction service processing time is 2 days; for another example, a warning text is added to a certain area in the payment QR code to remind the user that the payment amount is about to exceed the limit.

[0063] For the specific contents of the above steps b1 to b7, please refer to the relevant descriptions in the embodiments of the present application and will not be repeated here.

[0064] Non-transaction reminder conditions may include conditions for reminding users of non-transaction related matters by changing the explicit form of the payment QR code. For example, using the QR code display method in the embodiment of the present application, if the non-transaction reminder conditions are met, the color of the payment QR code can be updated to blue, or text, icons, etc. can be added to a certain area in the payment QR code to remind the user that a certain non-transaction date is coming soon, such as adding a cake icon to a certain area of ​​the payment QR code, or adding text such as "1 day left for my daughter's birthday" to a certain area of ​​the payment QR code, which is not limited here.

[0065] In the case where the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time of the payment corresponding to the payment QR code. The payment time of the payment corresponding to the payment QR code can refer to the relevant description in the above embodiment, which will not be repeated here. Correspondingly, the non-transaction reminder conditions may include but are not limited to the time length of the payment time from the scheduled time being within the reminder time range.

[0066] For ease of understanding, an example is used here to illustrate the display process of the QR code under non-transaction reminder conditions in the payment scenario. For example, the display process of the QR code under non-transaction reminder conditions in the payment scenario may include steps c1 to c5.

[0067] In step c1, the user terminal displays a payment QR code in response to the user's payment trigger input.

[0068] In step c2, the acceptance terminal scans the payment QR code, obtains the implicit information contained in the payment QR code, and transmits the payment information including the implicit information, merchant information, etc. to the backend system of the acquiring institution. The implicit information includes user information, etc.

[0069] In step c3, the acquirer's backend system transmits the payment information to the backend system of the payment application in the user terminal.

[0070] In step c4, the backend system of the payment application identifies the user according to the user information in the payment information, and queries the QR code setting conditions associated with the user, which can be pre-set by the user.

[0071] In step c4, if the QR code setting conditions include non-transaction reminder conditions, the backend system of the payment application obtains the QR code explicit form information corresponding to the non-transaction reminder condition when the user payment behavior information meets the non-transaction reminder condition, and sends a QR code display update instruction to the payment application in the user terminal. The QR code display update instruction includes the QR code explicit form information corresponding to the non-transaction reminder condition.

[0072] In step c5, the payment application in the user terminal updates the explicit form of the payment QR code according to the QR code display update instruction. The explicit form of the payment QR code changes, and the updated explicit form of the payment QR code can give the user reminders related to non-transactional matters, etc. For example, the color of the payment QR code is updated from black to blue, which can remind the user of the important date reminders set by the user. The important date may include but is not limited to birthdays, exam dates, meeting dates, deadlines, etc.; for another example, an icon with the word "1 day" is added to a certain area in the payment QR code to remind the user that the current time from the user's important date is 1 day; for another example, a text representing an important date is added to a certain area in the payment QR code to remind the user that the important date is coming soon.

[0073] The specific contents of the above steps c1 to c5 can be found in the relevant descriptions in the embodiments of the present application and will not be repeated here.

[0074] In some embodiments, if only one configuration object has a QR code setting condition set, a QR code display update instruction may be generated according to the QR code explicit form information corresponding to the QR code setting condition associated with the configuration object. That is, the QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting condition associated with the configuration object.

[0075] In some embodiments, there are multiple configuration objects that are all set with QR code setting conditions, for example, a user is associated with a QR code setting condition, and the merchant with whom the user initiates payment is also associated with a QR code setting condition. When the number of configuration objects associated with the QR code setting condition is N, that is, there are multiple configuration objects that set the QR code setting condition, the background system can obtain N groups of QR code explicit form information in the pre-configured configuration relationship, one group of QR code explicit form information corresponds to one configuration object, and N is an integer greater than 1; select M groups of QR code explicit form information from the N groups of QR code explicit form information, and generate a QR code display update instruction, the QR code display update instruction includes M groups of QR code explicit form information, and M is a positive integer less than or equal to N. It is possible to select at least some groups of QR code explicit form information from the N groups of QR code explicit form information required by the N configuration objects to update the explicit form of the payment QR code displayed on the user terminal.

[0076] In some examples, priorities may be pre-set for configuration objects. The background system may select M groups of QR code explicit morphological information corresponding to the M configuration objects arranged first in the order of priority of the N configuration objects from high to low, to generate a QR code display update instruction. M is less than N, which means that some groups of QR code explicit morphological information are selected from the N groups of QR code explicit morphological information to generate a QR code display update instruction. If M=1, the background system may select a group of QR code explicit morphological information corresponding to a configuration object with the highest priority from the N groups of QR code explicit morphological information. For example, a user is associated with a QR code setting condition, and a merchant with whom the user has a transaction is also associated with a QR code setting condition. If the merchant's priority is higher than the user's priority, a QR code display update instruction is generated based on a group of QR code explicit morphological information corresponding to the QR code setting condition associated with the merchant.

[0077] In some examples, all obtained two-dimensional code explicit form information may be added to the two-dimensional code display update instruction. That is, the two-dimensional code display update instruction is generated according to N sets of two-dimensional code explicit form information, where M is equal to N.

[0078] In some examples, M is greater than 1, that is, the QR code display update instruction includes multiple sets of QR code explicit form information. In order to prevent the explicit forms indicated by the multiple sets of QR code explicit form information from conflicting when the user terminal displays the updated payment QR code, when M is greater than 1, the QR code display update instruction can be used to make the updated payment QR code displayed by the user terminal include M stacked QR code layers, and the explicit form of each QR code layer is determined by the corresponding set of QR code explicit form information. Each QR code layer in the stacked M QR code layers is individually identified, and each QR code layer can be individually identified by adjusting the transparency of different QR code layers. The individual identification here can include being individually identified by the scanning device and being individually identified by the human eye. Through the display of multiple layers of payment QR codes, multiple personalized configurations can be realized at the same time, so that the displayed updated payment QR code can realize more functions at the same time, such as realizing two or more of the user's transaction business reminders, non-transaction affairs reminders, incentives and other functions at the same time.

[0079] In some embodiments, the initial payment QR code displayed when the user terminal initiates payment can also be personalized. Figure 3 A flowchart of a method for displaying a QR code provided in another embodiment of the present application. Figure 3 and Figure 2 The difference is that Figure 3 The QR code display method shown may also include steps S204 to S207.

[0080] In step S204, a QR code form acquisition request sent by the user terminal in response to the payment trigger input is received.

[0081] The QR code form acquisition request includes user information.

[0082] In step S205, according to the user information, the initial configuration information of the two-dimensional code associated with the user indicated by the user information is searched.

[0083] The initial configuration information of the QR code associated with the user may be used for pre-setting, that is, the user may perform the initial personalized configuration of the payment QR code by setting the initial configuration information of the QR code in advance. In some examples, the initial configuration information of the QR code may include transaction business configuration information and non-transactional configuration information. The transaction business configuration information is related to the transaction business, and the transaction business may include but is not limited to credit card repayment business, payment card limit management business, etc. The backend system of the payment application in the user terminal may initiate a transaction business query request to the backend system of the payment card institution, and the backend system of the payment card institution may query the transaction business of the user, and feed back the query results to the backend system of the payment application. The backend system of the payment application obtains the transaction business configuration information based on the user information and the query results. In some examples, the initial configuration information of the QR code may include user information and query results. The non-transactional configuration information is related to non-transactional transactions, and non-transactional transactions may include but are not limited to important date reminders, personalized icons, etc. The backend system of the payment application in the user terminal may directly use the user information as the non-transactional configuration information.

[0084] In step S206, the explicit form information of the two-dimensional code is obtained according to the initial configuration information of the two-dimensional code, and a two-dimensional code display instruction is generated.

[0085] The two-dimensional code explicit form information has a corresponding relationship with the two-dimensional code initial configuration information. The two-dimensional code explicit form information corresponding to the two-dimensional code initial configuration information associated with the user can be found from the corresponding relationship, and a two-dimensional code display instruction is generated according to the two-dimensional code explicit form information. The two-dimensional code display instruction includes the obtained two-dimensional code explicit form information.

[0086] In step S207, a QR code display instruction is sent to the user terminal.

[0087] The user terminal receives the QR code display instruction, and displays the payment QR code according to the QR code display instruction. The explicit form of the payment QR code displayed by the user terminal is consistent with the explicit form represented by the explicit form information of the QR code in the QR code display instruction. It can also be said that the QR code display instruction is used to make the explicit form of the payment QR code displayed by the user terminal consistent with the explicit form represented by the explicit form information of the QR code in the QR code display instruction. The payment QR code initially displayed by the user terminal is a personalized payment QR code, which can provide reminders, important information display and other functions to the user when the user initiates a payment, and the user terminal does not need to install other transaction reminder applications. For the content of how the payment QR code realizes reminders, important information display and other functions through explicit form, please refer to the relevant description in the above embodiment, which will not be repeated here.

[0088] A second aspect of the present application provides a method for displaying a QR code, which is applied to a user terminal, that is, the method for displaying a QR code can be executed by a user terminal. Figure 4 A flowchart of a method for displaying a QR code provided in another embodiment of the present application is shown in FIG. Figure 4 As shown, the method for displaying the two-dimensional code may include steps S301 to S303.

[0089] In step S301, in response to the payment input, a payment QR code is displayed.

[0090] The payment QR code is scanned by the acceptance terminal to obtain payment information. The payment information includes configuration object information, which is used to represent the configuration object. The configuration object includes one or more of the user, merchant, switching platform, and payment card institution.

[0091] In step S302, a QR code display update instruction sent by the backend system is received when the user payment behavior information obtained based on the payment information meets the QR code setting conditions.

[0092] The QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting condition in the configuration relationship, the QR code setting condition is associated with the configuration object, and the QR code setting condition and the QR code explicit form information have a configuration relationship.

[0093] In step S303, the explicit form of the displayed payment QR code is updated according to the explicit form information of the QR code in the QR code display update instruction.

[0094] In some embodiments, the QR code setting conditions include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0095] When the QR code setting conditions include transaction incentive conditions, the user payment behavior information includes one or more of the following: the user's transaction behavior information within a predetermined time period, the transaction behavior information between the user and the designated merchant within the predetermined time period, and the transaction behavior information of the user's designated payment card within the predetermined time period.

[0096] When the QR code setting conditions include transaction reminder conditions, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, the user's transaction behavior information within the predetermined time period, and the transaction behavior information of the user's designated payment card within the predetermined time period.

[0097] When the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

[0098] In some embodiments, the number of configuration objects associated with the QR code setting conditions is N, one configuration object corresponds to a group of QR code explicit form information, and the QR code display update instruction includes M groups of QR code explicit form information selected from the N groups of QR code explicit form information, N is an integer greater than 1, and M is a positive integer less than or equal to N.

[0099] In some examples, the M configuration objects corresponding to the M sets of the explicit form information of the two-dimensional code in the two-dimensional code display update instruction are the first M configuration objects arranged in descending order of priority among the N configuration objects. Alternatively, the two-dimensional code display update instruction includes N sets of the explicit form information of the two-dimensional code, and M is equal to N.

[0100] In some examples, the above step S303 can be specifically refined as follows: when M is greater than 1, the explicit form of the payment QR code is updated separately according to the M groups of QR code explicit form information in the QR code display update instruction to obtain M QR code layers; the M QR code layers are stacked to obtain and display the updated payment QR code, and each QR code layer in the stacked M QR code layers is identified separately.

[0101] Figure 5 A flowchart of a method for displaying a QR code provided in yet another embodiment of the present application, Figure 5 and Figure 4 The difference is that Figure 4 Step S301 in the above example can be specifically broken down into Figure 5 Steps S3011 to S3013 in .

[0102] In step S3011, in response to the payment trigger input, a QR code form acquisition request is sent to the backend system.

[0103] The QR code form acquisition request includes user information, and the user information is used to instruct the background system to find the QR code initial configuration information associated with the user information. The QR code initial configuration information is used by the background system to obtain the QR code explicit form information.

[0104] In step S3012, a QR code display instruction sent by the background system is received.

[0105] The two-dimensional code display instruction includes the two-dimensional code explicit form information obtained based on the initial configuration information of the two-dimensional code.

[0106] In step S3013, the payment QR code is displayed according to the QR code explicit form information in the QR code display instruction.

[0107] The explicit form of the payment QR code is consistent with the explicit form information of the QR code in the QR code display instruction.

[0108] In some examples, the explicit morphological information of the QR code is used to represent one or more of the following: the shape of the QR code, the color of the QR code, and the hint information contained in the QR code. The hint information contained in the QR code includes text and / or icons.

[0109] It should be noted that the QR code display method applied to the user terminal corresponds to the QR code display method applied to the background system mentioned above. All implementation methods in the embodiments of the QR code display method applied to the background system mentioned above are applicable to the embodiments of the QR code display method applied to the user terminal, and can achieve the same technical effect, which will not be repeated here.

[0110] A third aspect of the present application provides a QR code display device. Figure 6 A schematic diagram of a display device for a two-dimensional code according to an embodiment of the present application is shown in FIG. Figure 6 As shown, the QR code display device 400 may include a receiving module 401 , a condition search module 402 and a sending module 403 .

[0111] In some embodiments, the QR code setting conditions include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0112] When the QR code setting conditions include transaction incentive conditions, the user payment behavior information includes one or more of the following: the user's transaction behavior information within a predetermined time period, the transaction behavior information between the user and the designated merchant within the predetermined time period, and the transaction behavior information of the user's designated payment card within the predetermined time period.

[0113] When the QR code setting conditions include transaction reminder conditions, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, the user's transaction behavior information within the predetermined time period, and the transaction behavior information of the user's designated payment card within the predetermined time period.

[0114] When the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

[0115] In some embodiments, the two-dimensional code display device 400 may further include an instruction generation module. The instruction generation module may be used to: when the number of configuration objects associated with the two-dimensional code setting condition is N, in a pre-configured configuration relationship, obtain N groups of two-dimensional code explicit form information, one group of two-dimensional code explicit form information corresponds to one configuration object, and N is an integer greater than 1; select M groups of two-dimensional code explicit form information from the N groups of two-dimensional code explicit form information, and generate a two-dimensional code display update instruction, the two-dimensional code display update instruction includes M groups of two-dimensional code explicit form information, and M is a positive integer less than or equal to N.

[0116] In some examples, the instruction generation module can be specifically used to: select M groups of QR code explicit form information corresponding to the M configuration objects arranged first in order of priority from high to low among the N configuration objects to generate a QR code display update instruction, where M is less than N; or, generate a QR code display update instruction based on the N groups of QR code explicit form information, where M is equal to N.

[0117] In some examples, when M is greater than 1, the QR code display update instruction is used to cause the updated payment QR code displayed on the user terminal to include M stacked QR code layers, the explicit form of each QR code layer being determined by a corresponding set of QR code explicit form information, and each of the M stacked QR code layers being individually identified.

[0118] In some embodiments, the receiving module 401 can also be used to: before receiving the payment information obtained by the acceptance terminal scanning the payment QR code of the user terminal, receive a QR code form acquisition request sent by the user terminal in response to the payment trigger input, and the QR code form acquisition request includes user information.

[0119] The instruction generation module can also be used to: search for the initial configuration information of the QR code associated with the user indicated by the user information according to the user information; obtain the explicit form information of the QR code according to the initial configuration information of the QR code, and generate a QR code display instruction, the QR code display instruction includes the obtained explicit form information of the QR code.

[0120] The sending module 403 may also be used to send a QR code display instruction to the user terminal, where the QR code display instruction is used to make the explicit form of the payment QR code displayed by the user terminal consistent with the explicit form information of the QR code in the QR code display instruction.

[0121] In some examples, the explicit morphological information of the QR code is used to represent one or more of the following: the shape of the QR code, the color of the QR code, and the hint information contained in the QR code. The hint information contained in the QR code includes text and / or icons.

[0122] It should be noted that the QR code display device 400 is a device corresponding to the above-mentioned QR code display method applied to the background system. All implementation methods in the above-mentioned method embodiment are applicable to the embodiments of the device and can achieve the same technical effects, which will not be repeated here.

[0123] A fourth aspect of the present application provides a user terminal. Figure 7 A schematic diagram of the structure of a user terminal provided in an embodiment of the present application is shown in FIG. Figure 7 As shown, the user terminal 500 may include a display module 501 and a receiving module 502 .

[0124] The display module 501 may be used to display a payment QR code in response to a payment trigger input.

[0125] The payment QR code is scanned by the acceptance terminal to obtain payment information, which includes configuration object information. The configuration object information is used to characterize the configuration object, which includes one or more of the user, merchant, transfer platform, and payment card institution.

[0126] The receiving module 502 may be configured to receive a QR code display update instruction sent by the backend system when the user payment behavior information obtained based on the payment information meets the QR code setting conditions.

[0127] The QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting condition in the configuration relationship, the QR code setting condition is associated with the configuration object, and the QR code setting condition has a configuration relationship with the QR code explicit form information.

[0128] The display module 502 is further configured to update the explicit form of the displayed payment QR code according to the QR code explicit form information in the QR code display update instruction.

[0129] In some embodiments, the QR code setting conditions include one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0130] When the QR code setting conditions include transaction incentive conditions, the user payment behavior information includes one or more of the following: the user's transaction behavior information within a predetermined time period, the transaction behavior information between the user and the designated merchant within the predetermined time period, and the transaction behavior information of the user's designated payment card within the predetermined time period.

[0131] When the QR code setting conditions include transaction reminder conditions, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, the user's transaction behavior information within the predetermined time period, and the transaction behavior information of the user's designated payment card within the predetermined time period.

[0132] When the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

[0133] In some embodiments, the number of configuration objects associated with the QR code setting conditions is N, one configuration object corresponds to a group of QR code explicit form information, and the QR code display update instruction includes M groups of QR code explicit form information selected from the N groups of QR code explicit form information, N is an integer greater than 1, and M is a positive integer less than or equal to N.

[0134] In some examples, the M configuration objects corresponding to the M groups of QR code explicit form information in the QR code display update instruction are the first M configuration objects among the N configuration objects arranged in descending order of priority; or, the QR code display update instruction includes N groups of QR code explicit form information, and M is equal to N.

[0135] In some embodiments, the display module 501 can be specifically used for: when M is greater than 1, updating the explicit form of the payment QR code respectively according to the M groups of QR code explicit form information in the QR code display update instruction to obtain M QR code layers; stacking the M QR code layers to obtain and display the updated payment QR code, and each QR code layer in the stacked M QR code layers is identified separately.

[0136] In some embodiments, the user terminal 500 further includes a sending module.

[0137] The sending module can be used to send a QR code form acquisition request to the background system in response to the payment trigger input. The QR code form acquisition request includes user information, and the user information is used to instruct the background system to find the QR code initial configuration information associated with the user information. The QR code initial configuration information is used by the background system to obtain the QR code explicit form information.

[0138] The receiving module 502 may also be used to: receive a QR code display instruction sent by a background system, where the QR code display instruction includes the QR code explicit form information obtained based on the QR code initial configuration information.

[0139] The display module 501 can be used to display the payment QR code according to the QR code explicit form information in the QR code display instruction, and the explicit form of the payment QR code is consistent with the QR code explicit form information in the QR code display instruction.

[0140] In some examples, the explicit morphological information of the QR code is used to represent one or more of the following: the shape of the QR code, the color of the QR code, and the prompt information contained in the QR code; the prompt information contained in the QR code includes text and / or icons.

[0141] It should be noted that the user terminal 500 is a device corresponding to the above-mentioned method for displaying a QR code applied to the user terminal. All implementation methods in the above-mentioned method embodiment are applicable to the embodiment of the user terminal and can achieve the same technical effect, which will not be repeated here.

[0142] The fifth aspect of the present application also provides an electronic device. Figure 8 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application is shown in FIG. Figure 8 As shown, the electronic device 600 includes a memory 601 , a processor 602 , and a computer program stored in the memory 601 and executable on the processor 602 .

[0143] In some examples, the processor 602 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0144] The memory 601 may include a read-only memory (ROM), a random access memory (RAM), a disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method for displaying a two-dimensional code in the embodiment of the first aspect of the present application.

[0145] The processor 602 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 601, so as to implement the two-dimensional code display method in the above-mentioned first aspect embodiment.

[0146] In some examples, the electronic device 600 may further include a communication interface 603 and a bus 604. Figure 8 As shown, the memory 601, the processor 602, and the communication interface 603 are connected via a bus 604 and communicate with each other.

[0147] The communication interface 603 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiment of the present application. The communication interface 603 can also be used to access input devices and / or output devices.

[0148] The bus 604 includes hardware, software, or both, coupling the components of the electronic device 600 to each other. By way of example and not limitation, the bus 604 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a Memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses or a combination of two or more of these. Where appropriate, the bus 604 may include one or more buses. Although embodiments of the present application describe and illustrate a particular bus, the present application contemplates any suitable bus or interconnect.

[0149] A sixth aspect of the present application provides a user terminal, which may include a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0150] The memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method for displaying a QR code in an embodiment of the second aspect of the present application.

[0151] The processor runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the QR code display method in the above-mentioned second aspect embodiment.

[0152] In some examples, the user terminal may also include a communication interface and a bus, and the memory, processor, and communication interface are connected through the bus to communicate with each other.

[0153] The connection between the memory, processor, communication interface, and bus in the user terminal and the specific implementation method can be found in the relevant description in the embodiment of the electronic device of the fifth aspect above, and will not be repeated here.

[0154] The seventh aspect of the present application provides a two-dimensional code display system, which may include a background system and a user terminal. The background system is used to execute the two-dimensional code display method in the first aspect embodiment. The user terminal is connected to the background system for communication, and can be used to execute the two-dimensional code display method in the second aspect embodiment. The specific contents of the background system, the user terminal, and the two-dimensional code display method can be referred to the relevant contents in the above embodiments, which will not be repeated here.

[0155] In an eighth aspect of the present application, a computer-readable storage medium is provided, on which a computer program instruction is stored, and when the computer program instruction is executed by a processor, the display method of the two-dimensional code in the first aspect embodiment or the display method of the two-dimensional code in the second aspect embodiment can be implemented, and the same technical effect can be achieved. To avoid repetition, it is not repeated here. Among them, the above-mentioned computer-readable storage medium may include a non-transitory computer-readable storage medium, such as a read-only memory (Read-Only Memory, referred to as ROM), a random access memory (Random Access Memory, referred to as RAM), a disk or an optical disk, etc., which is not limited here.

[0156] The ninth aspect of the present application provides a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements the QR code display method in the above-mentioned first aspect embodiment or the QR code display method in the second aspect embodiment, and can achieve the same technical effect. To avoid repetition, it will not be repeated here.

[0157] It should be clear that each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. For device embodiments, equipment embodiments, user terminal embodiments, system embodiments, computer-readable storage medium embodiments, and computer program product embodiments, the relevant parts can refer to the description part of the method embodiment. The present application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present application. In addition, for the sake of brevity, a detailed description of known method technologies is omitted here.

[0158] The above reference is according to the method of the embodiment of the present application, the flow chart of the device (system) and the computer program product and / or the block diagram described various aspects of the present application.It should be understood that each square box in the flow chart and / or the block diagram and the combination of each square box in the flow chart and / or the block diagram can be realized by computer program instructions.These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function / action specified in one or more square boxes of the flow chart and / or the block diagram.Such a processor can be but is not limited to a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit.It can also be understood that each square box in the block diagram and / or the flow chart and the combination of the square boxes in the block diagram and / or the flow chart can also be realized by the dedicated hardware that performs the specified function or action, or can be realized by the combination of dedicated hardware and computer instructions.

[0159] Those skilled in the art should understand that the above embodiments are exemplary rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on the study of the drawings, the specification and the claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other devices or steps; the quantifier "one" does not exclude multiple; the terms "first" and "second" are used to indicate names rather than to indicate any specific order. Any figure marks in the claims should not be understood as limiting the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A method for displaying a two-dimensional code, characterized in that: Applied to the background system, the method includes: Receiving payment information obtained by the acceptance terminal scanning the payment QR code of the user terminal, the payment information including configuration object information, the configuration object information is used to characterize the configuration object, the configuration object includes one or more of the user, merchant, switching platform, and payment card institution; According to the configuration object information, searching for a two-dimensional code setting condition associated with the configuration object, wherein the two-dimensional code setting condition has a corresponding configuration relationship with the two-dimensional code explicit form information; If the user payment behavior information obtained based on the payment information meets the QR code setting condition, a QR code display update instruction is sent to the user terminal, and the QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting condition in the configuration relationship. The QR code explicit form information in the QR code display update instruction is used to enable the user terminal to update the explicit form of the payment QR code displayed.

2. The method according to claim 1, characterized in that The QR code setting conditions include one or more of the following: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions; In the case where the QR code setting condition includes a transaction incentive condition, the user payment behavior information includes one or more of the following: transaction behavior information of the user within a predetermined time period, transaction behavior information of the user and a designated merchant within a predetermined time period, and transaction behavior information of a designated payment card of the user within a predetermined time period; In the case where the QR code setting condition includes a transaction reminder condition, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, the transaction behavior information of the user within a predetermined time period, and the transaction behavior information of the user's designated payment card within a predetermined time period; In the case where the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

3. The method according to claim 1, characterized in that Also includes: In the case where the number of the configuration objects associated with the two-dimensional code setting condition is N, in the pre-configured configuration relationship, N groups of two-dimensional code explicit form information are obtained, one group of two-dimensional code explicit form information corresponds to one configuration object, and N is an integer greater than 1; M groups of two-dimensional code explicit form information are selected from N groups of two-dimensional code explicit form information to generate the two-dimensional code display update instruction, wherein the two-dimensional code display update instruction includes M groups of two-dimensional code explicit form information, where M is a positive integer less than or equal to N.

4. The method according to claim 3, characterized in that: The selecting M groups of two-dimensional code explicit form information from N groups of two-dimensional code explicit form information to generate the two-dimensional code display update instruction includes: According to the order of priority of the N configuration objects from high to low, M groups of two-dimensional code explicit form information corresponding to the M configuration objects arranged first are selected to generate the two-dimensional code display update instruction, where M is less than N; or, The two-dimensional code display update instruction is generated according to N groups of two-dimensional code explicit form information, where M is equal to N.

5. The method according to claim 3, characterized in that: When M is greater than 1, the QR code display update instruction is used to make the updated payment QR code displayed by the user terminal include M stacked QR code layers, the explicit form of each QR code layer is determined by a corresponding set of QR code explicit form information, and each QR code layer in the M stacked QR code layers is identified individually.

6. The method according to claim 1, characterized in that Before the receiving terminal scans the payment QR code of the user terminal to obtain the payment information, the method further includes: receiving a QR code form acquisition request sent by the user terminal in response to a payment trigger input, wherein the QR code form acquisition request includes user information; According to the user information, searching for the initial configuration information of the QR code associated with the user indicated by the user information; According to the initial configuration information of the two-dimensional code, the explicit form information of the two-dimensional code is obtained, and a two-dimensional code display instruction is generated, wherein the two-dimensional code display instruction includes the obtained explicit form information of the two-dimensional code; The QR code display instruction is sent to the user terminal, and the QR code display instruction is used to make the explicit form of the payment QR code displayed by the user terminal consistent with the QR code explicit form information in the QR code display instruction.

7. The method according to any one of claims 1 to 6, characterized in that: The explicit morphological information of the QR code is used to represent one or more of the following: the shape of the QR code, the color of the QR code, and the hint information contained in the QR code; The prompt information contained in the QR code includes text and / or icons.

8. A method for displaying a two-dimensional code, characterized in that: Applied to a user terminal, the method comprises: In response to a payment trigger input, a payment QR code is displayed, the payment QR code is scanned by the acceptance terminal to obtain payment information, the payment information includes configuration object information, the configuration object information is used to characterize the configuration object, the configuration object includes one or more of a user, a merchant, a switching platform, and a payment card institution; receiving a QR code display update instruction sent by a backend system when the user payment behavior information obtained based on the payment information satisfies a QR code setting condition, the QR code display update instruction including the QR code explicit form information corresponding to the QR code setting condition in a configuration relationship, the QR code setting condition being associated with the configuration object, and the QR code setting condition and the QR code explicit form information having the configuration relationship; The explicit form of the payment QR code displayed is updated according to the QR code explicit form information in the QR code display update instruction.

9. The method according to claim 8, characterized in that The QR code setting conditions include one or more of the following: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions; In the case where the QR code setting condition includes a transaction incentive condition, the user payment behavior information includes one or more of the following: transaction behavior information of the user within a predetermined time period, transaction behavior information of the user and a designated merchant within a predetermined time period, and transaction behavior information of a designated payment card of the user within a predetermined time period; In the case where the QR code setting condition includes a transaction reminder condition, the user payment behavior information includes one or more of the following: the payment time corresponding to the payment QR code, the transaction behavior information of the user within a predetermined time period, and the transaction behavior information of the user's designated payment card within a predetermined time period; In the case where the QR code setting conditions include non-transaction reminder conditions, the user payment behavior information includes the payment time corresponding to the payment QR code.

10. The method according to claim 8, characterized in that The number of the configuration objects associated with the QR code setting condition is N, one configuration object corresponds to a group of QR code explicit form information, and the QR code display update instruction includes M groups of QR code explicit form information selected from the N groups of QR code explicit form information, N is an integer greater than 1, and M is a positive integer less than or equal to N.

11. The method according to claim 10, characterized in that The M configuration objects corresponding to the M groups of two-dimensional code explicit form information in the two-dimensional code display update instruction are the first M configuration objects in descending order of priority among the N configuration objects; or, The two-dimensional code display update instruction includes N groups of two-dimensional code explicit form information, where M is equal to N.

12. The method according to claim 10, characterized in that The explicit form of the payment QR code displayed according to the QR code explicit form information in the QR code display update instruction includes: When M is greater than 1, the explicit forms of the payment QR code are updated respectively according to the M groups of QR code explicit form information in the QR code display update instruction to obtain M QR code layers; M QR code layers are stacked to obtain and display the updated payment QR code, and each QR code layer in the stacked M QR code layers is identified separately.

13. The method according to claim 8, characterized in that The method of displaying a payment QR code in response to a payment trigger input comprises: In response to a payment trigger input, a QR code form acquisition request is sent to the backend system, wherein the QR code form acquisition request includes user information, wherein the user information is used to instruct the backend system to search for the QR code initial configuration information associated with the user information, and the QR code initial configuration information is used by the backend system to obtain the QR code explicit form information; Receiving a two-dimensional code display instruction sent by the background system, wherein the two-dimensional code display instruction includes two-dimensional code explicit form information obtained based on the two-dimensional code initial configuration information; The payment QR code is displayed according to the explicit form information of the QR code in the QR code display instruction, and the explicit form of the payment QR code is consistent with the explicit form information of the QR code in the QR code display instruction.

14. The method according to any one of claims 8 to 13, characterized in that The explicit morphological information of the QR code is used to represent one or more of the following: the shape of the QR code, the color of the QR code, and the hint information contained in the QR code; The prompt information contained in the QR code includes text and / or icons.

15. A two-dimensional code display device, characterized in that: Applied to the background system, the device includes: A receiving module, used to receive payment information obtained by the acceptance terminal scanning the payment QR code of the user terminal, wherein the payment information includes configuration object information, and the configuration object information is used to characterize the configuration object, and the configuration object includes one or more of a user, a merchant, a switching platform, and a payment card institution; A condition search module, used to search for a two-dimensional code setting condition associated with the configuration object according to the configuration object information, wherein the two-dimensional code setting condition has a corresponding configuration relationship with the two-dimensional code explicit form information; A sending module is used to send a QR code display update instruction to the user terminal if the user payment behavior information obtained based on the payment information meets the QR code setting condition. The QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting condition in the configuration relationship. The QR code explicit form information in the QR code display update instruction is used to enable the user terminal to update the explicit form of the payment QR code displayed.

16. A user terminal, characterized in that: include: A display module, for displaying a payment QR code in response to a payment trigger input, wherein the payment QR code is scanned by an acceptance terminal to obtain payment information, wherein the payment information includes configuration object information, wherein the configuration object information is used to characterize the configuration object, and the configuration object includes one or more of a user, a merchant, a switching platform, and a payment card institution; a receiving module, configured to receive a QR code display update instruction sent by a backend system when the user payment behavior information obtained based on the payment information satisfies a QR code setting condition, wherein the QR code display update instruction includes the QR code explicit form information corresponding to the QR code setting condition in a configuration relationship, the QR code setting condition is associated with the configuration object, and the QR code setting condition and the QR code explicit form information have the configuration relationship; The display module is also used to update the displayed explicit form of the payment QR code according to the QR code explicit form information in the QR code display update instruction.

17. An electronic device, characterized in that: Applied to a background system, the electronic device comprises: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the method for displaying a two-dimensional code as described in any one of claims 1 to 7 is implemented.

18. A user terminal, characterized in that: include: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, it implements the two-dimensional code display method as described in any one of claims 8 to 14.

19. A two-dimensional code display system, characterized in that: include: A backend system, used to execute the QR code display method according to any one of claims 1 to 7; The user terminal is connected to the background system for communication, and is used to execute the QR code display method as described in any one of claims 8 to 14.

20. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed by a processor, the method for displaying a two-dimensional code as described in any one of claims 1 to 14 is implemented.

21. A computer program product, characterized in that It includes a computer program, which, when executed by a processor, implements the two-dimensional code display method described in any one of claims 1 to 14.

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